Finance and Money Calculators
Calculators for the money questions that come up every week: what a loan or mortgage really costs and how extra payments shorten it, how long a credit card takes to clear, what your savings and 401(k) will grow to, how much inflation has eaten into a dollar, how much house you can afford, whether you're on track to retire, how much tax is on a receipt and what you'll take home from each paycheck. Each page shows the formula it uses and a worked example, so you can check the answer yourself.
70 free calculators · no sign-up
Most used
Loans and debt
Monthly payments, payoff dates and what lenders look at.
Loan CalculatorMonthly payment, total interest and payoff schedule.Markup CalculatorTurn cost into selling price with a markup percent.Payback Period CalculatorHow long until an investment pays for itself.Life Insurance NeedsRough coverage amount from income and debts.Wedding / Baby BudgetSplit a total across categories and see what is left.Mortgage CalculatorFull monthly payment with tax, insurance and PMI.Tax Bracket CalculatorWhich federal bracket you are in, and the tax on that income.Home Insurance EstimateRough annual homeowners premium from dwelling value and deductible.House Affordability CalculatorHow much house your income can carry, with the 28/36 rule.Amortization CalculatorFull payment schedule, with extra payments and payoff date.Car Payment CalculatorMonthly payment with trade-in and sales tax.Credit Card Payoff CalculatorHow long to clear a card, or the payment to clear it by a date.Debt-to-Income Ratio CalculatorYour DTI ratio, and what lenders look for.Mortgage Refinance CalculatorNew payment, monthly savings and the break-even point.Rent vs Buy CalculatorRent or buy? See your net worth both ways, year by year.Mortgage Points CalculatorIs buying down your rate worth it? Break-even month.HELOC & Home Equity CalculatorHow much you can borrow, and the payment in both phases.Car Lease CalculatorMonthly lease payment from price, residual and money factor.Student Loan CalculatorMonthly payment, payoff date and what extra payments save.Debt Payoff Calculator (Snowball vs Avalanche)Snowball vs avalanche: your debt-free date and interest.Loan Payoff CalculatorPayoff date now, or the payment to be done by a date.Auto Loan Refinance CalculatorNew car payment and savings from refinancing.Credit Card Interest CalculatorWhat your card balance costs in interest each month.Closing Costs CalculatorEstimate buyer closing costs and cash to close.Property Tax CalculatorYearly and monthly property tax from value and rate.Rent Affordability CalculatorHow much rent you can afford, three ways.APR CalculatorThe real yearly cost of a loan once fees are counted.Home Equity CalculatorYour equity, loan-to-value and how much a lender may let you borrow.Debt Consolidation CalculatorWhether one new loan beats paying off your debts as they are.
Saving and investing
How money grows, and what you need to put away.
401(k) CalculatorYour balance at retirement, with employer match and 2026 limits.Retirement CalculatorAre you on track? What you need, and how long it lasts.Compound Interest CalculatorSee savings grow with regular deposits.Simple Interest CalculatorInterest with I = P × r × t, compared with compounding.Savings Goal CalculatorHow much to save each month to hit a target.ROI CalculatorReturn on investment, total and per year.Inflation CalculatorWhat money from any year since 1913 is worth today.Investment CalculatorHow much your investments grow, with monthly contributions.Roth vs Traditional CalculatorWhich saves you more: pay tax now, or later?HSA Calculator2026 HSA limit, tax savings and long-term growth.APY CalculatorAPR to APY (and back), and interest earned on savings.CD CalculatorWhat a CD earns, after tax and early withdrawal.Net Worth CalculatorAssets minus debts, compared with others your age.Social Security Claiming Age CalculatorBenefit at 62 to 70, and your break-even age.Roth IRA Calculator2026 Roth IRA limit, eligibility and tax-free growth.RMD CalculatorYour required minimum distribution this year.College Savings Calculator (529)What college will cost and how much to save each month.Capital Gains Tax Calculator2026 tax on stock, crypto or property gains.50/30/20 Budget CalculatorSplit your take-home pay into needs, wants and savings.Emergency Fund CalculatorHow big your emergency fund should be, and how long it takes to build.New Year Savings Plan & 52-Week ChallengeYour 2027 savings goal per week or paycheck, or the 52-week challenge.Holiday Budget CalculatorPlan gifts, travel and hosting, and what to save each week.
Shopping, tips and tax
The numbers at the register and the restaurant table.
Smart Tip CalculatorScan a receipt and get the right tip for the place.Discount CalculatorSale price, savings, stacked discounts and tax.Sales Tax CalculatorAdd tax, take it back out, or find the rate.Unit Price CalculatorWhich size is the better deal? Price per ounce, pound or item.VAT CalculatorAdd VAT or GST to a price, or take it out of a total.
Pay and work
Take-home pay, salary, overtime and time cards.
Paycheck CalculatorTake-home pay after 2026 & 2027 federal, FICA and state tax.Federal Income Tax CalculatorYour 2026 & 2027 federal tax, bracket and refund.Biweekly Pay CalendarEvery 2027 payday and the months with 3 paychecks.Salary to Hourly ConverterConvert pay between hourly, monthly and yearly.Overtime CalculatorTime-and-a-half and double-time pay for the week.Hours and Pay CalculatorHours worked between two times, and what you earned.Self-Employment Tax Calculator1099 and freelance tax, with quarterly payments.Bonus Tax CalculatorWhat your bonus check will be after withholding.Raise CalculatorYour new pay after a raise, or the percent between two pay rates.Salary Inflation CalculatorHas your pay kept up with prices? Your old salary in today's dollars.Commission CalculatorYour commission and total pay, or the sales needed to hit a goal.
Business
Pricing and profit for anyone selling something.
Quick answers
Ready-made results for the most common searches.
Questions about finance calculators
What is the difference between simple and compound interest?
Simple interest is charged only on the original amount. Compound interest is also charged on interest already added, so it grows faster over time. Savings accounts and credit cards compound; many car and personal loans use simple interest.
Are these finance calculators accurate?
They use the standard formulas lenders and banks use, and every worked example on the site is tested automatically. Real offers can differ slightly because of fees, rounding and how a lender counts days, so check the final figures with your lender.