Financial calculators
Work out what a loan really costs, how fast savings compound, and what you can afford — using the same formulas banks use.
- Mortgage CalculatorCalculate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI. Supports 10, 15, 20, and 30-year fixed loans.
- Amortization CalculatorSee how each loan payment splits between principal and interest, year by year, and exactly when principal finally overtakes interest.
- Loan CalculatorWork out the monthly payment on any personal, auto, or student loan, see the total interest, and check how much an extra payment saves.
- Auto Loan CalculatorWork out your monthly car payment from price, down payment, trade-in, sales tax, and APR, and see the total interest over the full loan term.
- Credit Card Payoff CalculatorSee how long a fixed monthly payment takes to clear your credit card balance, and how much of that money goes to interest rather than the debt.
- Compound Interest CalculatorSee what your savings grow to with compound interest and monthly contributions. Choose annual, quarterly, monthly, or daily compounding.
- Savings Goal CalculatorWork out how long it takes to reach a savings target from your current balance, monthly deposit, and interest rate, with compounding month by month.
- Retirement CalculatorProject your retirement savings from your current balance, monthly contributions, and expected return, then see the yearly income the 4% rule allows.
- ROI CalculatorWork out return on investment from what you put in, what it is worth now, and the fees — plus the annualized rate over your holding period.
- Inflation CalculatorSee what today's money will cost in the future, and how much purchasing power inflation quietly erases over 5, 10, 20, or 30 years.
- Salary CalculatorConvert pay between hourly, daily, weekly, biweekly, monthly, and annual figures. Set your hours per week and paid weeks per year for an exact match.
- House Affordability CalculatorFind out how much house you can afford using the 28/36 rule. Enter income, debts, down payment, and rate to see your maximum home price.
- Break-Even CalculatorFind how many units you must sell to cover costs. Calculates break-even volume, break-even revenue, and contribution margin per unit and as a percent.
- Net Worth CalculatorAdd up cash, investments, property, and debts to see your net worth, home equity, and debt-to-asset ratio in a single snapshot.
- Sales Tax CalculatorAdd sales tax to a price, or work backwards to pull the tax out of a tax-inclusive total. Shows the pre-tax amount, the tax, and the final total.
- Simple Interest CalculatorWork out simple interest with I = P × r × t and the total amount, then see exactly how far compound interest pulls ahead on the very same terms.
- APR CalculatorFind the true annual cost of a loan once points and fees are counted, and see how far the APR sits above the rate you were quoted.
- Down Payment CalculatorWork out the cash you need up front to buy a home — down payment, closing costs and moving — plus the loan it leaves, the monthly payment, and PMI.
- Debt Payoff CalculatorCompare the debt snowball and the debt avalanche on your own balances. See when you are debt-free either way, and what the cheaper order actually saves.
- Rent vs Buy CalculatorCompare renting against buying over 30 years — mortgage, tax, upkeep, appreciation and the opportunity cost of your deposit — and find the break-even year.
- Refinance CalculatorWork out your refinance break-even month, the monthly saving, and whether a fresh loan term quietly adds more interest than the lower rate saves.
- Income Tax CalculatorWork out 2026 US federal income tax bracket by bracket, and see why the effective rate you pay is well below the marginal rate on your last dollar.
- Paycheck CalculatorEstimate take-home pay per paycheck for 2026 after federal income tax, Social Security, Medicare, 401(k) and health premiums. Federal only, no state tax.
- 401(k) CalculatorProject your 401(k) balance at retirement, and see what contributing below your employer match cap costs you in free money by the time you stop working.
- Budget CalculatorCompare your monthly spending against the 50/30/20 rule and see exactly how many dollars in each category are above or below the guideline.
- Present Value CalculatorWork out what a future payout or a stream of payments is worth today, or what money today grows to, with the discount factor and every step shown.
- NPV CalculatorDiscount a project’s cash flows to today to get its net present value, the IRR it really earns, and how long the money takes to come back.
- Car Lease CalculatorWork out a car lease payment from cap cost, residual and money factor — and see the APR that money factor is quietly standing in for.
- Mortgage Points CalculatorWork out whether discount points are worth buying: the up-front cost, the monthly saving, the break-even month, and whether you keep the loan that long.
- Capital Gains Tax CalculatorWork out 2026 federal capital gains tax on a sale and see the short-term and long-term bills side by side, whatever your holding period.
- Roth IRA CalculatorCompare a Roth IRA with a traditional IRA at the same gross cost, and find the retirement tax rate at which the two are worth exactly the same.
What these calculators actually model
Nearly everything here reduces to one idea: money has a price over time, and that price compounds. A loan payment is the constant amount that drives a balance to zero over a fixed term; a savings projection is the same arithmetic run in reverse. Once you can see the schedule rather than just the monthly figure, most financial questions stop being mysterious.
That is why the amortization breakdown matters more than the headline payment. Early in a mortgage almost the whole payment is interest, because interest is charged on a balance that has barely moved. The crossover point — the month where principal finally exceeds interest — is the single most useful number for deciding whether an overpayment is worth making, and it is invisible unless something shows you the schedule.
Rates that look alike and are not
A nominal rate, an APR and an APY can all describe the same loan and all differ. The nominal rate ignores compounding entirely. The APY folds compounding in, so 12 percent compounded monthly is an APY of 12.68 percent. The APR is meant to fold in fees as well, which is what makes it the comparable number between lenders — and also what makes two APRs incomparable when the fee structures differ.
Compounding frequency is the quiet variable. The same stated rate produces a different balance depending on whether it is applied yearly, monthly or daily, and over a thirty year term that gap is not small. Where a calculation depends on frequency, it is stated rather than assumed.
Frequently asked questions
What is the difference between an interest rate and an APR?
The interest rate is the cost of borrowing the principal alone. The APR adds the fees required to obtain the loan — origination charges, points, some closing costs — and expresses the total as a single yearly percentage. So the APR is at or above the interest rate, and it is the number to compare between lenders. It still assumes you hold the loan to term, which is why a loan you expect to refinance early can be cheaper than its APR suggests.
Why is almost all of my early mortgage payment going to interest?
Because interest is charged on the outstanding balance, and at the start the balance is at its largest. The payment is fixed, so whatever is left after interest goes to principal — very little at first. As the balance falls the interest portion shrinks and the principal portion grows, slowly at first and then quickly. The month where the two cross over typically falls somewhere past the halfway point of the term, not at the middle.
Does compounding frequency really change the outcome?
Yes, and more than most people expect over long horizons. A nominal 12 percent compounded annually returns 12 percent in a year; compounded monthly it returns 12.68 percent; compounded daily, 12.75 percent. On a single year that gap looks trivial. Run it for thirty years and the daily-compounded balance ends materially ahead, because the difference itself compounds.
Do these calculators account for tax?
Only where the calculator says so. The income tax, capital gains, paycheck and sales tax pages model tax directly and name the assumptions they make. The rest — mortgage, savings, retirement projections — work in pre-tax terms unless stated, because tax treatment depends on jurisdiction and on circumstances no calculator can see. Treat a projection as arithmetic, not as a filing.