Financial Calculators
Mortgages, loans, interest, investing, retirement, taxes and everyday money math. Every tool is free, runs in your browser and shows the formula behind the answer.
Mortgage and Real Estate
- Mortgage CalculatorEstimate your monthly mortgage payment, including principal, interest, property tax, home insurance, PMI and HOA dues. Add extra payments to see how much sooner you could pay off the loan and how much interest you would save.
- Amortization CalculatorThis amortization calculator shows the monthly payment on a fixed-rate loan and how each payment splits between interest and principal, with optional extra payments to see how much sooner the loan is repaid.
- Mortgage Payoff CalculatorUse this mortgage payoff calculator to see how much interest and time you save by paying extra each month or year, switching to biweekly payments, or paying the balance off in one go. If you don't know your remaining term, use the second calculator with your balance and payment.
- House Affordability CalculatorThis house affordability calculator estimates the most expensive home you can comfortably buy, either from your income and debts using standard lender ratios or from a monthly housing budget you set yourself.
- Rent CalculatorThis rent calculator estimates an affordable monthly rent from your gross income and existing debt payments, using the widely cited 30% of income guideline and a cap on total debt.
- Debt-to-Income Ratio CalculatorThis debt-to-income ratio calculator works out your front-end (housing) and back-end (total debt) DTI ratios, the figures mortgage and loan underwriters use to judge how much more you can afford to borrow.
- Real Estate CalculatorThis real estate calculator gives a quick first look at a property: the mortgage payment, full monthly housing cost, cash needed to close, price per square foot and how the price compares with local rents.
- Refinance CalculatorUse this refinance calculator to compare the loan you have with a proposed new loan. It shows the change in monthly payment, total interest, upfront points and fees, cash out and how many months it takes for the refinance to pay for itself.
- Rental Property CalculatorThis rental property calculator projects an investment property year by year, from rent and operating costs to mortgage payments and the eventual sale, and reports cash flow, cap rate, cash-on-cash return, total profit and internal rate of return.
- APR CalculatorThis APR calculator finds the real annual percentage rate of a loan once fees are counted, for general loans with any payment frequency and for mortgages with points, lender fees and PMI.
- FHA Loan CalculatorThis FHA loan calculator estimates your monthly payment on an FHA-insured mortgage, including the upfront and annual mortgage insurance premiums (MIP), taxes, insurance and other housing costs.
- VA Mortgage CalculatorUse this VA mortgage calculator to estimate the monthly payment on a VA-guaranteed home loan, including the VA funding fee, property taxes, insurance and other costs, with a complete amortization schedule.
- Home Equity Loan CalculatorUse this home equity loan calculator to estimate the fixed monthly payment, total interest and true APR of a home equity loan, and to find how much you can borrow against the equity in your home.
- HELOC CalculatorThis HELOC calculator shows what a home equity line of credit costs: the interest-only payment during the draw period, the principal-and-interest payment during repayment, total interest and the APR once closing costs and annual fees are included.
- Down Payment CalculatorThis down payment calculator works three ways: find the home price your upfront cash can support, the cash needed for a given home, or the down payment percentage your cash covers, with closing costs included.
- Rent vs. Buy CalculatorThis rent vs. buy calculator compares the full cost of buying a home with the cost of renting one over every holding period up to 30 years, and tells you how long you need to stay before buying becomes the cheaper choice.
- Mortgage Calculator UKThis UK mortgage calculator shows the monthly repayment and the interest-only cost of a mortgage in pounds, plus the total interest and a month-by-month amortisation schedule.
- Canadian Mortgage CalculatorThis Canadian mortgage calculator uses the semi-annual compounding required for Canadian fixed-rate mortgages to estimate your monthly payment, total interest and full cost of owning a home.
- Mortgage Amortization CalculatorThis mortgage amortization calculator builds a full payment-by-payment schedule for a fixed-rate home loan, showing how much of each payment goes to interest and principal, the remaining balance and your total housing costs.
- Loan-to-Value CalculatorEnter the home's value and what you owe to get the loan-to-value ratio lenders use to price a mortgage, decide whether you need private mortgage insurance and size a refinance or home equity loan.
Auto
- Auto Loan CalculatorThis auto loan calculator estimates the monthly payment and total cost of a car loan, including sales tax, fees, rebates, down payment and trade-in, or works backward from a monthly budget to the car price you can afford.
- Cash Back or Low Interest CalculatorCar makers often let you pick either a cash rebate or a low promotional rate, but not both. This cash back or low interest calculator works out the monthly payment and total cost of each offer so you can see which one saves more.
- Auto Lease CalculatorThis auto lease calculator splits a car lease payment into depreciation, rent charge and sales tax, or works backward from a monthly budget to the vehicle price you can lease.
Investment
- Interest CalculatorUse this interest calculator to see how a deposit grows with compound interest and regular contributions, how much of the ending balance is interest, and what it is worth after taxes and inflation.
- Investment CalculatorThis investment calculator projects how money grows with regular contributions and a steady rate of return, or works backward from a goal to find the contribution, return, starting amount or time you need.
- Finance CalculatorThis finance calculator works like the TVM keys on a business calculator: enter any four of N, I/Y, PV, PMT and FV, and it solves for the fifth and lays out the period-by-period schedule.
- Compound Interest CalculatorThis compound interest calculator converts an interest rate from one compounding frequency to another, so you can compare a monthly-compounded APR with an annual APY, a daily rate or a continuous rate on equal terms.
- Interest Rate CalculatorThis interest rate calculator works backward from a loan's amount, term and monthly payment to find the annual interest rate the lender is actually charging, along with the total interest you will pay.
- Savings CalculatorThis savings calculator projects how a savings account grows with an initial deposit, yearly or monthly contributions that can rise over time, compound interest and tax on the interest you earn.
- Simple Interest CalculatorUse this simple interest calculator to find the interest and end balance from I = P × r × t, or to solve for the principal, interest rate or term when you know the other values.
- CD CalculatorThis CD calculator shows how much a certificate of deposit earns by maturity, based on the deposit, rate, compounding frequency and term, and how much is left after tax on the interest.
- Bond CalculatorThis bond calculator solves for a fixed-rate coupon bond's price, yield to maturity, face value, coupon or time to maturity, and prices bonds traded between coupon dates.
- Mutual Fund CalculatorThis mutual fund calculator estimates what a fund investment will be worth after front-end and deferred sales charges and the annual expense ratio, and shows the net return and internal rate of return you actually earn.
- Average Return CalculatorThis average return calculator finds the annualized, money-weighted return of an investment account with deposits and withdrawals on specific dates, or the average and cumulative return of several holding periods.
- IRR CalculatorUse this IRR calculator to find the internal rate of return, the discount rate at which an investment's cash flows have a net present value of zero, for fixed recurring or irregular annual cash flows.
- ROI CalculatorThis ROI calculator measures the gain on an investment as a percentage of its cost, then converts it to an annualized ROI so investments held for different lengths of time can be compared fairly.
- Payback Period CalculatorThis payback period calculator shows how long an investment takes to earn back its cost, both in plain dollars and in discounted dollars, for a steady, growing or shrinking cash flow or for irregular yearly cash flows.
- Present Value CalculatorThis present value calculator discounts a future amount, or a series of equal periodic deposits, back to what it is worth today at the interest rate you choose.
- Future Value CalculatorThis future value calculator shows what a starting amount plus regular deposits will grow to after a number of periods at a fixed interest rate, along with the equivalent value today.
- CAGR CalculatorThis CAGR calculator finds the steady yearly growth rate that turns a beginning value into an ending value over a given number of years, and can run the math in reverse to project a future value.
- SIP CalculatorThis SIP calculator estimates what a fixed monthly investment in a mutual fund could grow to at an expected annual return, and shows how much of the final value is your own money versus returns.
- FD CalculatorThis FD calculator works out the maturity amount and interest on a fixed deposit, using quarterly compounding by default as Indian banks do, for a tenure in years, months and days.
- RD CalculatorThis RD calculator finds the maturity value of a recurring deposit from the monthly installment, the interest rate and the tenure in months, using the quarterly-compounding formula Indian banks publish.
Retirement
- Retirement CalculatorThis retirement calculator estimates the nest egg you need at retirement from your income, savings and expected returns, then shows how to close any gap. Three smaller tools below cover savings targets, safe withdrawals and how long money lasts.
- 401K CalculatorThis 401(k) calculator projects how your balance grows with your contributions, your employer's match and investment returns, and what monthly income it could pay in retirement. Two tools below estimate the cost of an early withdrawal and how to capture the full employer match.
- Pension CalculatorThis pension calculator helps with the three big pension decisions: taking a lump sum or monthly income, choosing a single-life or joint-and-survivor payout, and deciding whether working longer for a bigger pension pays off.
- Social Security CalculatorThis Social Security calculator estimates which claiming age from 62 to 70 gives the most lifetime value for your life expectancy, and compares two claiming options to find their break-even age.
- Annuity CalculatorThis annuity calculator forecasts the accumulation phase of an annuity: how a starting principal plus yearly or monthly additions grows at a fixed annual rate, with additions made at the beginning or end of each period.
- Annuity Payout CalculatorThis annuity payout calculator finds the regular payment a lump sum can support for a set number of years, or how long the money will last if you withdraw a fixed amount, while the balance keeps earning a return.
- Roth IRA CalculatorThis Roth IRA calculator projects how your Roth IRA grows until retirement and compares it with investing the same money in a regular taxable account, showing the total principal, growth and taxes for each.
- IRA CalculatorThis IRA calculator projects your retirement balance in a traditional, SIMPLE or SEP IRA, a Roth IRA and a regular taxable account, so you can see how much the tax treatment of each is worth by the time you retire.
- RMD CalculatorThis RMD calculator finds the required minimum distribution you must take from a traditional IRA, 401(k) or similar account for the year, using the IRS Uniform Lifetime Table, and projects your future RMDs and balances.
Tax and Salary
- Income Tax CalculatorThis income tax calculator estimates your 2025 or 2026 US federal income tax, including the new deductions for tips, overtime, car loan interest and seniors, then compares the result with what you have already paid to show your refund or balance due.
- Salary CalculatorThis salary calculator converts a pay rate between hourly, daily, weekly, biweekly, semi-monthly, monthly, quarterly and annual amounts, with a second column that accounts for unpaid holidays and vacation days.
- Marriage Tax CalculatorThis marriage tax calculator compares what two people pay in federal income, payroll and state tax as single filers with what they would pay as a married couple filing jointly, showing whether marriage brings a tax penalty or a tax bonus.
- Estate Tax CalculatorThis estate tax calculator estimates the US federal estate tax due on an estate, using 2026's $15 million exemption, the 18%–40% rate schedule, and any taxable gifts made during life.
- Take-Home-Paycheck CalculatorThis take-home pay calculator estimates the net amount of each paycheck after 2026 federal income tax, Social Security and Medicare, state and city taxes and pre-tax deductions, for any pay frequency and filing status.
- Salary Increase CalculatorThis salary increase calculator shows your new pay after a raise given as a percentage or a dollar amount, converts it between hourly, weekly, monthly and yearly figures, and checks how much of it inflation takes back.
- Overtime CalculatorThis overtime calculator works out your gross pay for a week with overtime, from your hourly rate, regular and overtime hours and the overtime multiplier, and projects it to monthly and annual totals.
Other
- Loan CalculatorUse this loan calculator to find the payment and total interest on an amortized loan, the lump sum due on a deferred-payment loan, or the amount received for a bond that repays a set sum at maturity.
- Payment CalculatorThis payment calculator works in two directions: enter a loan term to get the monthly payment, or enter a fixed monthly payment to see how long the loan will take to repay and how much interest it costs.
- Currency CalculatorConvert money between major world currencies with this currency calculator. Market rates are European Central Bank reference rates as of 2026-11-03; switch to a custom rate to match the quote from your bank or exchange service.
- Inflation CalculatorThis inflation calculator uses the U.S. Consumer Price Index to show what an amount of money in one year is worth in another, and two flat-rate tools project prices forward or backward at any inflation rate you choose.
- Sales Tax CalculatorThis sales tax calculator adds tax to a price, removes tax from a total to find the original price, or works out the tax rate from a receipt. Enter any two of the three values.
- Credit Card CalculatorThis credit card calculator shows how many months it will take to clear a card balance and how much interest you will pay, or what you need to pay each month to be debt-free within a chosen time.
- Credit Cards Payoff CalculatorThis credit card payoff calculator takes all your cards and a monthly budget and shows the fastest, cheapest order to pay them off, the debt-free date and the total interest, compared with paying only the minimums.
- Debt Payoff CalculatorThis debt payoff calculator shows how much sooner you can be debt-free, and how much interest you save, by adding extra payments to your debts and targeting the highest-rate debt first.
- Debt Consolidation CalculatorThis debt consolidation calculator compares paying your current debts as they are with rolling them into one consolidation loan, showing the change in monthly payment, payoff time, total cost and real APR.
- Repayment CalculatorThis repayment calculator answers two questions about any loan: how much you need to pay each period to clear it within a chosen time, or how long it will take to repay with a fixed amount, for any compounding and payment frequency.
- Student Loan CalculatorThis student loan calculator works out a monthly payment and total interest, compares payoff options such as extra payments, and projects how much you will owe after graduation and the grace period.
- College Cost CalculatorThis college cost calculator projects what college will cost by the time your student enrolls and how much you need to save each month to cover the share you plan to pay from savings.
- VAT CalculatorThis VAT calculator adds value-added tax to a net price, removes it from a gross price, or works out the VAT rate or amount from any two known values.
- Depreciation CalculatorThis depreciation calculator spreads an asset's cost over its useful life using the straight-line, declining balance or sum-of-the-years' digits method, with optional partial-year depreciation for assets placed in service mid-year.
- Margin CalculatorThis margin calculator works out gross profit margin, profit and markup from any two of cost, revenue, margin and profit. Two more tools below find the cash needed to buy stock on margin and the margin required for a currency trade.
- Discount CalculatorThis discount calculator finds the final price after a percent-off or fixed-amount discount and how much you save. It also works backward from a sale price to the original price or the size of the discount.
- Business Loan CalculatorThis business loan calculator shows the payment, total interest and real APR of a loan once origination and documentation fees are included, for amortized, interest-only and pay-at-maturity loans.
- Personal Loan CalculatorUse this personal loan calculator to find your monthly payment, total interest and payoff date, and to see how an origination fee or loan insurance changes the true cost (APR) of the loan.
- Boat Loan CalculatorUse this boat loan calculator to estimate the monthly payment and total cost of financing a boat, including sales tax, registration and other fees, or to find the boat price that fits a monthly budget.
- Lease CalculatorUse this lease calculator to find the monthly payment on a lease from the asset's value, its residual value at the end of the term and the interest rate, or to uncover the effective rate built into a payment you have been quoted.
- Budget CalculatorThis budget calculator adds up your income and spending across housing, transportation, debt, living costs, health care, children, savings and other categories, then shows what is left each month and your debt-to-income ratios.
- Commission CalculatorUse this commission calculator to find a sales commission from the price and rate, or the rate or price from the other two, and to work out tiered commission plans with a base amount.
- EMI CalculatorEnter the loan amount, annual interest rate and tenure to see the equated monthly instalment (EMI) a bank would charge, how much of what you repay is interest, and how the balance falls year by year.
- Net Worth CalculatorThis net worth calculator adds up what you own, subtracts what you owe and shows the breakdown, so you can track the single number that sums up your finances.