Finance Calculators
Work out a mortgage or loan payment, how savings grow with compound interest, how long a credit card takes to pay off, your pay per hour or year, and the margin, ROI and break-even point of a business — with the standard formulas, and your own rates and prices.
131 calculators · A–Z of all calculators
- Mortgage CalculatorMonthly payment with taxes, insurance, PMI and extra payments.
- Loan CalculatorMonthly payment and total interest on any loan.
- Auto Loan CalculatorCar payment with down payment, trade-in and sales tax.
- Car Lease CalculatorMonthly lease payment from money factor and residual.
- Compound Interest CalculatorSavings growth with monthly contributions, year by year.
- Simple Interest CalculatorInterest and total from principal, rate and time.
- Savings Goal CalculatorHow much to save each month to reach a goal.
- 401(k) CalculatorYour 401(k) at retirement with employer match.
- Social Security CalculatorFull retirement age and benefit by claiming age.
- RMD CalculatorRequired minimum distribution from the IRS table.
- Roth IRA Calculator2026 Roth limit by income, and growth.
- Credit Card Payoff CalculatorMonths to pay off a card and the interest you pay.
- Credit Card Interest CalculatorInterest for a billing cycle from the APR.
- Salary CalculatorHourly to salary and back, per week, month and year.
- Income Tax Calculator 2026Federal income tax with the 2026 brackets.
- Paycheck Calculator 2026Take-home pay after federal tax and FICA.
- Bonus Tax Calculator2026 withholding on a bonus.
- Self-Employment Tax Calculator2026 SE tax from your net profit.
- Capital Gains Tax Calculator2026 tax on a stock or property gain.
- Raise CalculatorNew salary from a raise, or the raise percentage.
- ROI CalculatorReturn on investment and the annualized return.
- Cap Rate CalculatorCapitalization rate and NOI.
- CAGR CalculatorCompound annual growth rate.
- Stock Average CalculatorAverage cost per share across purchases.
- Dividend CalculatorDividend yield and income.
- Margin CalculatorProfit margin and markup, or the price for a margin.
- Price Elasticity CalculatorElasticity of demand, midpoint method.
- Break-Even CalculatorUnits and sales you need to cover your costs.
- EOQ CalculatorEconomic order quantity.
- Depreciation CalculatorStraight-line, declining balance and MACRS.
- Inflation CalculatorWhat dollars from any year since 1913 are worth today.
- Real Return CalculatorReturn after inflation, by the Fisher equation.
- APY CalculatorAPR to APY and back, for any compounding.
- CD CalculatorCD interest and value at maturity.
- Bond Yield CalculatorYield to maturity and current yield.
- Tax-Equivalent Yield CalculatorMunicipal bond yield vs. taxable.
- Future Value CalculatorWhat money and payments grow to.
- Present Value CalculatorWhat future money is worth today.
- Annuity Payout CalculatorRegular payout from a lump sum.
- Retirement Withdrawal CalculatorHow long your savings will last.
- NPV CalculatorNet present value, IRR and payback period.
- Amortization CalculatorMonth-by-month loan schedule: interest, principal, balance.
- Loan Payoff CalculatorPayoff date and interest saved by paying extra.
- Refinance CalculatorMonthly savings and break-even on a refinance.
- HELOC CalculatorHELOC draw and repayment payments.
- Biweekly Mortgage CalculatorInterest and time saved paying every two weeks.
- Mortgage Recast CalculatorNew payment after a lump sum.
- Balloon Payment CalculatorMonthly payment and the balloon due at the end.
- Interest-Only Mortgage CalculatorPayment during and after interest-only.
- Mortgage Points CalculatorBreak-even on buying discount points.
- APR CalculatorAnnual percentage rate including fees.
- Commission CalculatorSales commission and total pay with a base salary.
- Rule of 72 CalculatorHow long money takes to double at a rate.
- Down Payment CalculatorDown payment, loan amount and time to save.
- Loan-to-Value CalculatorLTV, CLTV and when PMI can end.
- Home Affordability CalculatorHow much house fits your income.
- Debt-to-Income Ratio CalculatorYour DTI for mortgages and loans.
- Rent Affordability CalculatorHow much rent fits 30% of your income.
- Net Worth CalculatorWhat you own minus what you owe.
- 50/30/20 Budget CalculatorNeeds, wants and savings from take-home pay.
- Debt Payoff CalculatorSnowball vs avalanche: months to debt-free and interest.
- WACC CalculatorWeighted average cost of capital, with CAPM.
- Interest Rate CalculatorFind the rate on a loan from its payment and term.
- HSA Contribution Calculator2026 HSA limit, catch-up and partial-year coverage.
- Loan Comparison CalculatorCompare 2–3 offers: payment, interest, points and fees.
- Student Loan CalculatorPayment, interest and payoff date; Standard, Extended, Tiered.
- Traditional IRA Calculator2026 IRA deduction by income and workplace plan.
- FHA Loan CalculatorPayment with upfront and annual MIP, and when MIP ends.
- VA Loan CalculatorPayment with the VA funding fee, no monthly mortgage insurance.
- Rental Property CalculatorCash flow, cap rate, cash-on-cash return and DSCR.
- Retirement CalculatorSavings at retirement, what you need and how much more to save.
- Rent vs Buy CalculatorNet worth of buying vs renting, year by year, and the break-even year.
- USDA Loan CalculatorPayment with the USDA upfront and annual guarantee fees.
- PMI CalculatorMonthly PMI, when to cancel it at 80% and when it ends at 78%.
- Quarterly Estimated Tax Calculator2026 estimated tax payments, due dates and safe harbors.
- Home Sale Exclusion CalculatorSection 121 exclusion, taxable gain and tax on selling your home.
- Black-Scholes CalculatorEuropean option price, Greeks and implied volatility.
- Child Tax Credit Calculator2026 child tax credit, other dependents and the refundable part.
- Sharpe Ratio CalculatorSharpe and Sortino ratios from returns or from return and volatility.
- College Savings CalculatorMonthly saving for college with cost growth, 529 rules and a year-by-year table.
- Dollar-Cost Averaging CalculatorFixed-amount investing: average cost, gain and lump sum comparison.
- Kelly Criterion CalculatorOptimal bet size from win probability and odds, growth per bet, half Kelly and the investing form.
- VAT CalculatorAdd VAT, remove VAT or find the rate: several lines, rounding choice, dated UK, EU, Canada, Australia and NZ rates.
- Closing Cost CalculatorBuyer closing costs and cash to close by Loan Estimate sections A–J, with prepaids and the RESPA escrow cushion.
- FIRE CalculatorFI number at 4%, 3.5% and 3%, years to financial independence, Coast FI and years by savings rate.
- Freelance Rate CalculatorHourly and day rate for your income goal after self-employment tax, insurance, expenses and unpaid time.
- Prorated Rent CalculatorRent for a partial month by actual days, 30-day month or 365 days, with move-in total and deposit checks.
- Financial Ratios CalculatorCurrent and quick ratio, debt-to-equity, margins, ROA, ROE, turnover and DSO from statement figures.
- Home Sale Net Proceeds CalculatorSeller's net sheet: sale price minus payoff, commissions, closing costs, transfer tax, repairs and prorated property tax.
- Emergency Fund CalculatorMonths of expenses to save, the gap and the time to reach it.
- Short-Term Rental CalculatorAirbnb profit, break-even occupancy, and long-term comparison.
- Social Security Break-Even CalculatorTotal benefits at 62, full age or 70, and the break-even age.
- Payback Period CalculatorSimple and discounted payback, profitability index and NPV.
- IRR CalculatorIRR, MIRR and XIRR for dated cash flows, with a warning for several IRRs.
- LTV to CAC CalculatorCustomer lifetime value, CAC payback in months and the LTV:CAC ratio.
- PTO Accrual CalculatorPaid time off per pay period or per hours worked, balance, cap and carryover.
- Price Increase CalculatorHow many sales you can lose after a price rise, or the price that covers a cost increase.
- Invoice Late Fee CalculatorDue date, days overdue, late fee and aging buckets for unpaid invoices.
- Property Tax CalculatorYearly property tax and monthly escrow from mills, assessment ratio and exemptions.
- Federal Estate Tax Calculator2026 federal estate tax: $15 million exclusion, 40% top rate, portability.
- Gift Tax Calculator2026 gift tax: $19,000 annual exclusion, Form 709, lifetime exemption.
- Federal Poverty Level Calculator2026 poverty guideline by household size and your income as a percent of FPL.
- Standard vs Itemized Deduction CalculatorWhich is bigger in 2026: the standard deduction or itemizing (SALT cap, mortgage, charity, medical).
- Employer Payroll Tax CalculatorWhat an employee really costs in 2026: employer FICA, FUTA, state unemployment, workers comp.
- Trade-In Equity CalculatorPositive or negative equity, and the cost of rolling it into a new loan.
- Flip 70% Rule CalculatorMax offer from ARV and repairs, then real flip profit.
- DSCR CalculatorDebt service coverage and the largest loan your NOI supports.
- Gross Rent Multiplier CalculatorGRM, value from rent, and the 1% rule ratio.
- Rent Increase CalculatorNew rent, percent increase, rent cap check and notice.
- Rental Vacancy Rate CalculatorRent lost to vacancy and break-even occupancy.
- Rental Property Depreciation Calculator27.5-year deduction and the tax on recapture at sale.
- Net Price CalculatorCollege cost after grants per year and for four years, plus the gap.
- Student Loan Repayment Plans CalculatorStandard, Extended, Graduated, Tiered Standard and RAP side by side.
- PSLF CalculatorPublic Service Loan Forgiveness: payments left, date and forgiven balance.
- Scholarship Tax CalculatorTaxable part of a scholarship and its effect on AOTC and lifetime learning credit.
- Student Aid Index (SAI) CalculatorEstimate the SAI and Pell Grant for a dependent student (2027–28 formula).
- Work-Study Earnings CalculatorHours times wage against your award, weekly hours cap, FICA and SAI effect.
- Credit Utilization CalculatorCredit utilization overall and per card, and the payment that reaches your target.
- Pension Lump Sum vs Annuity CalculatorLump sum or monthly pension: break-even return, present value and payback time.
- Roth Conversion Tax Calculator 2026Federal tax on converting a traditional IRA to Roth, bracket by bracket.
- IRA Pro-Rata Rule CalculatorTaxable part of a backdoor Roth conversion by the pro-rata rule on Form 8606.
- Forex Pip Value CalculatorPip value in your account currency, position size from risk and margin.
- Option Payoff CalculatorBreak-even, max profit and loss of calls, puts and spreads at expiration.
- Social Security Tax CalculatorHow much of your Social Security is taxable: 0, 50 or 85%.
- Medicare IRMAA CalculatorYour 2026 Part B premium and Part D surcharge by income.
- Social Security Earnings Test CalculatorBenefits withheld if you claim early and keep working.
- Spousal Benefit CalculatorSocial Security spousal and survivor benefit estimates.
- Medicare Late Enrollment Penalty CalculatorPart B, Part D and Part A penalty for signing up late.
- SSI Income CalculatorCountable income and the federal SSI payment for 2026.
- Subscription Cost CalculatorMonthly and yearly total of your subscriptions.
- Latte Factor CalculatorWhat a small daily spend could grow to if invested.