Know your payment before shopping
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Finance Calculators
Finance Calculators calculators
Model monthly payments, total interest, and how extra contributions change your payoff date in a few clicks.
Mortgage, auto, and personal loan mathCompound interest & savings growthPlain-language explanations + disclaimers
Perfect for
- •Home buyers and homeowners
- •Borrowers comparing refinance options
- •Savers, investors, and small business owners
What you can solve
Common scenarios
Plan mortgages, auto loans, payoff timelines, and savings growth before you call a lender or adviser.
Shrink interest with extra payments
See how adding even $50-$200 per month can pull your payoff date forward.
Project savings or investment growth
Forecast how recurring deposits stack up over months or years using compound interest.
Pick a tool
Featured finance calculators calculators
Browse the live tools below or request a new calculator if you need something specific.
finance
Mortgage Payment Calculator
Estimate your monthly mortgage payment, total interest, and payoff schedule with one input-driven tool.
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Mortgage Payoff Calculator
Estimate how many months it will take to pay off your mortgage when you make a fixed monthly payment.
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Loan Payment Calculator
Calculate the monthly payment for any personal, auto, or student loan using the principal, APR, and term.
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Compound Interest Calculator
See how fast your savings grow when interest compounds daily, monthly, quarterly, or annually.
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Savings Growth Calculator
Project account balances when you combine an initial deposit with ongoing monthly contributions.
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Car Payment Calculator
Enter vehicle price, down payment, trade value, tax rate, and APR to estimate your monthly car payment.
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Loan Amortization Calculator
Calculate monthly payment, total interest, and total paid for any amortizing loan from mortgages to personal loans.
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Credit Card Payoff Calculator
See how long it will take to pay off a credit card balance based on your monthly payment and APR.
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Home Affordability Calculator
Estimate how much house you can afford based on income, debts, down payment, and estimated taxes/insurance.
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Refinance Savings Calculator
Compare your current mortgage payment to a potential refi to see monthly savings and break-even time after closing costs.
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APY to APR Converter
Convert advertised APY into the equivalent APR based on compounding frequency.
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APR to APY Converter
Convert nominal APR into APY to show the yield after compounding.
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Investment Return Calculator
Combine a starting balance plus recurring contributions to see future value, total contributions, and total growth.
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Paycheck Calculator
Estimate take-home pay by entering salary, pay frequency, pretax contributions, and tax rates.
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Tax Bracket Estimator
Estimate US federal income tax and marginal/effective rates based on filing status and taxable income.
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Break-Even Point Calculator
Calculate how many units or how much revenue you need to cover fixed costs.
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Retirement Needs Calculator
Estimate the nest egg required to fund retirement spending at a target withdrawal rate.
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Interest-Only Loan Calculator
See monthly interest payments and total costs before principal comes due.
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Balloon Payment Loan Calculator
Plan monthly payments when a lump-sum balloon is due at the end of the term.
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Lease vs Buy Car Calculator
Compare total costs and monthly payments between leasing and financing a vehicle.
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Inflation Adjuster
See how much a dollar amount would be worth in another year after compounding inflation.
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Payback Period Calculator
Estimate how long it takes for an investment or project to repay its initial cost.
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ROI Calculator
Calculate return on investment (ROI) plus annualized ROI for any holding period.
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Loan-to-Value (LTV) Calculator
Figure out the LTV ratio for mortgages, HELOCs, or equipment loans.
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Net Present Value (NPV) Calculator
Discount projected cash flows to today’s dollars and see whether a project creates value.
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Internal Rate of Return (IRR) Calculator
Estimate IRR from an investment and up to five annual cash flows.
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Cash-on-Cash Return Calculator
Calculate annual and total cash-on-cash returns from upfront investment and cash flow.
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Gross Margin Calculator
Find gross profit and gross margin percentage from revenue and cost of goods sold.
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Profit Margin Calculator
Compute net profit and profit margin from revenue and total expenses.
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Markup Calculator
Calculate profit per unit plus markup and margin percentages from cost and selling price.
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Salary to Hourly Calculator
Convert an annual salary into an hourly rate using hours per week and weeks per year.
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Hourly to Salary Calculator
Convert an hourly wage into weekly, monthly, and annual pay.
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Overtime Pay Calculator
Calculate regular pay, overtime pay, and total earnings for a pay period.
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Rent vs Buy Calculator
Compare monthly rent to monthly ownership costs with mortgage, taxes, insurance, and maintenance.
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EV Charging Cost Calculator
Estimate energy needed, miles added, and cost to charge an EV at home vs public rates.
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Appliance Electricity Cost Calculator
Estimate daily, monthly, and yearly energy use and cost for any appliance.
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Solar Payback Calculator
Estimate solar net cost, payback period, and 10-year savings with degradation.
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Customer LTV Calculator
Estimate lifetime value, gross profit, and LTV:CAC using order value, margin, and retention.
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Purchasing Power (Inflation) Calculator
See how much an amount in year X is worth in year Y using an average inflation rate.
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Currency Converter
Convert one currency to another using a provided exchange rate.
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Bonus Tax Calculator
Estimate withholding and net bonus after federal, state, and other deductions.
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RSU Tax Calculator
Estimate taxes and shares withheld at vest based on value and tax rates.
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Capital Gains Tax Calculator
Estimate tax on a sale using holding period and short vs long-term rates.
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Stock Profit Calculator
Calculate profit, ROI, and totals for a stock trade with optional fees.
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Pattern Day Trader (PDT) Checker
Check if your day trades trigger PDT status and show margin buying power.
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Real Estate Commission Calculator
Estimate commission and net proceeds from a home sale.
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Seller Net Proceeds Calculator
Estimate net proceeds after mortgage payoff, commission, closing costs, and repairs.
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Rent Increase Calculator
Compute new rent from a percent or dollar increase and see the monthly change.
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Escrow Shortage Calculator
Spread an escrow shortage over months and see the adjusted escrow payment.
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IRS Tax Withholding Estimator
Estimate federal and state withholding and net pay for a paycheck.
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Savings Rate Calculator
Find your monthly savings rate and annualized savings from income and savings.
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Space Heater Cost Calculator
Estimate daily and monthly energy cost of running a space heater.
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AC Cost Calculator
Estimate daily and monthly energy cost for an air conditioner by BTU, SEER, and usage.
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Mortgage Recast Calculator
Apply a lump-sum payment to reduce your mortgage payment and estimate interest saved.
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401(k) Employer Match Calculator
Estimate your annual 401(k) contributions with employer matching and plan caps.
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Debt-to-Income (DTI) Calculator
Compute front-end and back-end DTI to see if you’re within common mortgage guidelines.
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Net Worth Calculator
Sum assets and debts to see your net worth and debt-to-asset ratio.
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Debt Snowball & Avalanche Calculator
See payoff time and interest using the snowball or avalanche debt payoff methods.
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Mortgage Points Breakeven Calculator
Estimate monthly savings from discount points and how long it takes to break even.
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Solar Offset Calculator
Estimate monthly kWh a solar array can produce and how much of your bill it could offset.
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Cap Rate Calculator
Calculate rental property cap rate from NOI and property value for quick deal screening.
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DSCR Calculator
Calculate debt service coverage ratio (DSCR) from NOI and annual debt service to check lender thresholds.
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Net Operating Income (NOI) Calculator
Compute NOI by subtracting vacancy and operating expenses from gross income for clear property underwriting.
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Gross Rent Multiplier (GRM) Calculator
Estimate GRM by dividing property value by annual gross rent to compare rental deals quickly.
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Rent per Square Foot Calculator
Find monthly and annual rent per square foot to compare leases, units, or buildings quickly.
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WACC Calculator
Calculate weighted average cost of capital from equity/debt mix, costs, and tax rate.
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Straight-Line Depreciation Calculator
Compute annual depreciation from asset cost, salvage value, and useful life using the straight-line method.
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Rental Cash Flow Calculator
Calculate monthly and annual rental cash flow by accounting for vacancy, operating expenses, and debt service.
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Car Lease Payment Calculator
Estimate monthly lease payment, depreciation, finance charge, and total lease cost with money factor and fees.
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Electricity Bill Calculator
Estimate your electric bill from daily kWh use, rate, billing days, delivery fees, and taxes.
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Weighted Average Interest Rate Calculator
Find the weighted average interest rate across multiple debts for refinancing or payoff planning.
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Boat Loan Calculator
Estimate boat loan payment with sales tax and fees, plus total interest over the term.
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CD Ladder Calculator
Model a CD ladder with equal deposits across rungs to see per-rung share and blended yield.
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House Flip Profit Calculator
Estimate flip profit by combining ARV, purchase, rehab, holding, and closing costs.
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Home Equity Loan Calculator
Check max loan based on LTV, estimate monthly payment, total interest, and combined LTV after borrowing.
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HELOC Payment Calculator
Estimate HELOC interest-only payments during draw and amortized payments during repayment, plus utilization vs credit limit.
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Bridge Loan Calculator
Estimate bridge loan monthly interest, points, total interest, and total payoff cost for short-term financing.
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Natural Gas Cost Calculator
Estimate your natural gas bill using daily therms, rate per therm, billing days, fixed fees, and taxes.
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Diesel Fuel Cost Calculator
Estimate diesel fuel cost for a trip using distance, MPG, price per gallon, and optional fuel surcharge.
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Lease Buyout Calculator
Estimate your lease buyout cost including remaining payments, residual value, fees, taxes, and potential equity vs market value.
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Student Loan Refinance Calculator
Compare current student loan payment and interest to a refinanced loan with a new rate/term, including fees, monthly savings, and total interest savings.
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Bonus Gross-Up Calculator
Find the gross bonus needed to deliver a target net after federal, state, and FICA withholding.
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Paycheck Tax Withholding Calculator
Estimate paycheck net by applying federal, state, and FICA withholding to gross pay minus pre-tax deductions.
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Mortgage Preapproval Calculator
Estimate the maximum loan and home price you may qualify for using income, debts, DTI limit, rate, term, taxes, insurance, HOA, and down payment.
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Credit Utilization Calculator
Compute total credit card utilization across up to four cards using balances and limits.
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1099 vs W-2 Take-Home Calculator
Compare contractor (1099) vs employee (W-2) take-home by factoring rate/hours, expenses, SE tax, income tax, and benefits.
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Bonus Net Calculator
See net bonus after federal, state, and FICA withholding from a gross bonus.
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HSA vs FSA Contribution Calculator
Compare tax savings and total value of HSA vs FSA contributions, including employer match for HSA.
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Gas vs Hybrid Savings Calculator
Compare annual fuel costs for a gas vs hybrid vehicle and see fuel savings and simple payback on the hybrid price difference.
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Insurance Cost per Mile Calculator
Spread annual auto insurance premium (plus expected out-of-pocket) over annual miles to see cost per mile.
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PTO Payout Calculator
Convert accrued PTO hours to a gross payout and estimated net after federal, state, and FICA withholding.
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Credit Card Minimum Payment Calculator
See how long it takes to pay off a credit card making only minimum payments, plus total interest and first-month payment.
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Heat Pump vs Gas Heat Cost Calculator
Compare annual heating costs for a heat pump vs a gas furnace using load, runtime, COP/efficiency, fuel prices, and see payback on the heat pump premium.
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Stock Option Tax Estimator
Roughly estimate ordinary income/AMT on exercise and capital gains tax on sale for ISO/NSO stock options (non-advisory).
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Overtime vs Comp Time Calculator
Compare taking overtime pay vs comp time by estimating net overtime pay and the value of comp time hours at your hourly rate.
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Refinance Breakeven Calculator
Compare your current mortgage to a refinance mid-term to see payment change, interest difference, and breakeven months on closing costs.
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PMI Drop Calculator
Estimate when you might reach the LTV threshold to drop PMI based on current balance, home value, appreciation rate, and PMI cutoff.
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ARM vs Fixed Mortgage Calculator
Compare an adjustable-rate mortgage’s intro/adjusted payments and total cost against a fixed-rate loan over the years you expect to keep the mortgage.
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Biweekly Mortgage Calculator
See how switching from monthly to biweekly mortgage payments shortens your payoff time and cuts total interest.
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Balance Transfer Calculator
Compare staying on your current card vs moving the balance to a promo balance transfer card with a fee, showing payoff time and interest saved.
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Debt Consolidation Calculator
Compare paying your current high-interest debts vs rolling them into a new consolidation loan with an origination fee.
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Auto Refinance Calculator
Compare your current auto loan to a refinance option to see payment change, interest savings, and breakeven after refi fees.
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Car Affordability Calculator
Back into the maximum car price you can afford from your target monthly payment, rate, term, down payment, tax, fees, and trade-in.
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Mortgage Buydown Calculator (2-1 / 1-0)
Compare your standard mortgage payment to temporary buydown payments (e.g., 2-1) and see total savings vs buydown cost and breakeven months.
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Cash-Out Refinance Calculator
See how much cash you can pull from your home, your new payment, and interest tradeoffs when refinancing with a cash-out.
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PMI Cost Calculator
Estimate your monthly PMI, how long you’ll pay it, and total PMI cost until it drops based on LTV and amortization.
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HELOC vs Cash-Out Refi Calculator
Compare taking cash from your home via a HELOC versus a cash-out refinance, including payments and interest over a chosen horizon.
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Rent Affordability Calculator
Estimate how much rent you can afford using both income-percentage and debt-to-income guidelines.
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Emergency Fund Calculator
Estimate how much cash you should keep for emergencies based on monthly expenses and risk factors like variable income, single-income household, and dependents.
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Savings Goal Timeline Calculator
Estimate how many months it will take to reach a savings goal given your current balance, monthly contributions, and expected return.
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CD Early Withdrawal Penalty Calculator
Estimate your net payout if you break a CD early, factoring accrued interest, the penalty, and interest you’d forfeit vs holding to maturity.
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FIRE Calculator (Financial Independence)
Find your FIRE number and estimate how many years it will take to reach it based on your spending, withdrawal rate, current savings, contributions, and expected return.
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Life Insurance Needs Calculator
Estimate how much life insurance you need by totaling income replacement, debts, education costs, and final expenses minus existing coverage and savings.
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529 College Savings Calculator
Project future college costs with inflation and see whether your current savings and monthly contributions will cover them or leave a shortfall.
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Tax-Equivalent Yield Calculator
Convert a tax-free municipal bond yield into a taxable-equivalent yield using your federal and state tax rates.
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Student Loan Payoff Calculator (with Extra Payments)
See how extra monthly payments shorten your student loan payoff time and reduce total interest compared to the standard schedule.
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Debt Payoff Date Calculator
Find your payoff month and total interest for any debt based on balance, APR, and monthly payment.
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Treasury vs CD After-Tax Yield Calculator
Compare after-tax yields of Treasuries (state tax-free) vs taxable CDs using your federal and state tax rates.
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Amortization Schedule Calculator
Generate a full amortization schedule with monthly principal and interest breakdowns, total interest, and standard payment for any loan.
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Mortgage APR Calculator
See the true APR on your mortgage by including points and lender fees, plus the monthly payment and total finance charges.
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Self-Employment Tax Calculator
Estimate your self-employment tax (Social Security and Medicare) from net self-employment income, accounting for the 92.35% adjustment and the Social Security wage base.
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RMD Calculator (Required Minimum Distribution)
Estimate your required minimum distribution by dividing the prior year-end account balance by the IRS Uniform Lifetime Table factor for your age.
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Roth vs Traditional IRA Calculator
Compare Roth vs Traditional outcomes by modeling current tax savings, future tax rates, and growth over time.
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I Bond vs CD Calculator
Compare after-tax effective yields of I Bonds (state tax-free, 3-month penalty if redeemed <5 years) versus taxable CDs to see which pays more.
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Car Depreciation Calculator
Estimate your car’s value over time using a first-year drop and a steady annual depreciation rate for subsequent years.
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AMT (Alternative Minimum Tax) Calculator
Estimate tentative AMT using 2024 exemption amounts and see if you owe AMT above your regular tax.
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APR / Front-End Loan Cost Calculator
See the true cost of a loan by combining the note rate with points, origination, and other upfront fees into an effective APR.
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Average Return Calculator
Enter up to 20 yearly returns to see the simple average, cumulative return, average per year, and the single equivalent CAGR-style rate.
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Blended Interest Rate Calculator
Enter up to five loan balances and rates to find the weighted average interest rate for consolidation or payoff planning.
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College Tuition Cost Calculator
Project future first-year tuition and total cost based on annual tuition inflation.
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Initial Interest-Only Mortgage Calculator
Estimate the lower payment during the interest-only period and the higher payment once the loan begins amortizing.
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Discretionary Income Calculator
See how much discretionary income you have after paying yourself first and covering fixed and variable expenses each month.
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Estate Tax Calculator
Estimate taxable estate and federal estate tax using a simple exemption and flat rate model.
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FERS Retirement with SRS Calculator
Estimate a federal FERS pension, Special Retirement Supplement (SRS), Social Security, and a TSP withdrawal to see total retirement income.
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FICO / LTV Rate Adjustment Calculator
Estimate a mortgage rate adjustment based on FICO score and loan-to-value (LTV) ratio using a sample grid.
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FHA vs Conventional 95 LTV Calculator
Compare payments and down payments for FHA (3.5% down) versus a 95% LTV conventional loan, including PMI/MIP and escrow estimates.
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Fixed vs COLA Pension Calculator
Compare a larger fixed pension with a smaller pension that grows with a COLA each year to see break-even timing and total payouts.
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Loan Amortization with Prepayment
See how extra monthly payments shorten your loan term and cut total interest with a full amortization-style calculation.
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Future Value / Annuity Estimation
Estimate the future value of steady contributions over time, plus your starting balance, at a given annual return.
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"Get Back" Return Needed Calculator
Enter a portfolio drawdown to see the percentage gain required to get back to even, plus the annualized rate needed over a chosen horizon.
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HELOC Cost / Tax “Savings” Calculator
See the real after-tax cost of HELOC interest and how balances can grow if you keep charging expenses to the line.
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Household Income Percentile (1979–2007)
Estimate where a household income would have landed across several benchmark years: 1979, 1986, 1993, 2000, and 2007.
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Income & Wealth Percentile (2010 version)
Estimate your 2010-era income percentile and net worth percentile using a simplified model inspired by the original 2001–2010 calculator.
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Income Numbers Converter
Turn an annual income (or any amount) into hourly, daily, weekly, biweekly, and monthly figures, optionally for a percentage of that amount.
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Income Qualification Calculator
Estimate the maximum housing payment you might qualify for using front-end and back-end debt-to-income (DTI) ratios and your existing debts.
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Investment / Savings Comparison
Compare two side-by-side saving or investing scenarios with different starting balances, monthly contributions, and return assumptions.
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IRA Withdrawal Calculator
Estimate taxes, potential early withdrawal penalty, and remaining balance for an IRA withdrawal based on age and tax rate.
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Is Your Retirement on Track?
Benchmark your retirement readiness by comparing your current savings to age-based savings multiples of your annual income.
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Itemized Deduction Calculator (2024/2025)
See whether itemizing beats the standard deduction under 2024/2025 numbers, with SALT caps and the 7.5% AGI medical threshold.
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Loan Rate Comparison / Refinancing
Compare two loan options side by side with rates, points, fees, and monthly payments. See monthly savings and a simple break-even on upfront costs.
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Medical/Flex Savings Account Calculator
Estimate tax savings from contributing pre-tax dollars to a medical or flexible savings account (FSA/HSA-like) using your marginal and payroll tax rates.
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Middle Class Income Calculator
See whether a household income falls in the Pew-style middle-class band (2/3 to 2× median) for a location, adjusted for household size.
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Inherited IRA Minimum Distribution
Estimate inherited IRA required minimum distribution using a simple life expectancy lookup for a non-spouse beneficiary.
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Minimum IRA Distribution Calculator
Estimate required minimum distribution (RMD) for a traditional IRA using a simplified divisor lookup by age.
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Mortgage Deductibility After Tax Cut
Estimate whether mortgage interest actually provides tax savings after the larger standard deduction introduced by tax cuts.
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EPI / RON Wealth Indicator
Benchmarks your net worth against age and income using the EPI and RON formulas inspired by Thomas J. Stanley’s millionaire research.
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Nominal vs Effective Interest Rate
Convert a nominal APR with compounding periods into an effective annual rate and equivalent monthly rate.
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Pay Off Loan or Keep & Invest?
Compare paying off a loan with a lump sum versus investing that lump sum at a target return to see which looks better over your chosen timeframe.
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Payoff vs Borrow Comparison
Decide whether to pay cash for a purchase or borrow and invest your cash instead. See loan payments, interest paid, and potential investment growth.
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Penalty-Free IRA Withdrawals (72(t))
Estimate equal periodic payments under a simplified 72(t)-style assumption: spread IRA balance over at least 5 years (or to age 59½) without the 10% penalty.
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Prepayment vs Investment
Compare making an extra monthly loan payment to investing that same amount to see months saved, interest saved, and investment growth.
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Prepayment Mortgage Reduction
See how extra monthly or biweekly payments shorten mortgage payoff and cut interest compared to the standard schedule.
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Real Wage / Hours per Purchase
Adjust your hourly wage for unpaid time (commute, prep, after-hours emails) to see your real wage and how many hours a dollar of spending costs you.
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Retire with Social Security + Pension
Combine pension income, Social Security, and a withdrawal rate on savings to see total annual retirement income.
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Retirement Asset to Salary Ratio
See how your retirement assets compare to income using an age-based target multiple, inspired by the TIAA-CREF-style benchmarks.
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Retirement Payout Calculator
Calculate a fixed monthly payout from a retirement balance over a set number of years with an assumed annual return, plus total paid and interest portion.
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Retirement Payout Duration
See how long a balance lasts with a fixed monthly withdrawal and an assumed annual return, plus total interest earned during that period.
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Rule of 78 Loan Calculator
See how interest is front-loaded on a Rule of 78 (sum of digits) loan, including monthly payment and first/last month interest.
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Savings Comparison (2025 Benchmark)
Compare your savings to an age-based 2025 benchmark using income multiples to see your gap or lead.
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Stanley Wealth Equation
Calculate expected wealth using Stanley’s Millionaire Next Door formula (age × income ÷ 10) to benchmark your net worth.
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Stock Dividend DRIP Calculator
Model dividend reinvestment (DRIP) over time with growing dividends and share count as dividends buy additional shares.
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Taxable Social Security Benefits
Estimate how much of your Social Security benefits are taxable based on filing status, benefits, and other income.
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Tuition Savings Calculator
Project future college costs with inflation and find the monthly contribution needed to reach that goal by the time college starts.
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Two Income vs One Income
Compare net take-home for dual-income vs single-income households after taxes, work-related costs, and childcare.
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Updated IRA / 401k / 403b Calculator
Project retirement account growth with ongoing contributions and estimate taxes/penalties on an early withdrawal.
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Updated Retirement Calculator
Project retirement savings growth with contributions, then combine a withdrawal rate with pension and Social Security to estimate annual retirement income.
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Wealth Calculator (Millionaire Next Door)
Benchmark your net worth using the classic Millionaire Next Door expected wealth formula (age × income ÷ 10) and see your gap.
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Wealth Percentile Score
Estimate a rough wealth percentile score by age band using simplified median and 90th-percentile net worth benchmarks.
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Wealth / Savings Comparison 2025
Compare your net worth to a 2025-age-based benchmark (age × income ÷ 10) and see an illustrative percentile score by age band.
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What’s a Million?
See how long it takes to reach a savings goal (like a million dollars) given your current balance, monthly contributions, and return rate.
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What’s Your Yield?
Estimate the annualized yield required to grow from a starting balance with monthly contributions to a desired future value over a set time.
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Home Value vs Median
Compare your home value to a local median home value with a simple ratio and percentile-style estimate.
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Paycheck Calculator by State
Estimate take-home pay with federal, state, and FICA withholding plus pre/post-tax deductions using a simple state rate lookup.
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Social Security Claiming Age Comparison
Compare claiming Social Security early, at full retirement age, or delayed to see monthly benefits and lifetime totals with COLA assumptions.
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Mileage Reimbursement Calculator
Estimate standard mileage deduction and reimbursement value using the IRS mileage rate or your custom rate, plus parking and tolls.
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Child Tax Credit Calculator (2025)
Estimate 2025 child tax credit amounts with current-law rules: phaseouts, nonrefundable credit, refundable additional credit, and total benefit.
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Earned Income Credit (EIC) Calculator
Estimate your earned income credit based on filing status, income, and number of qualifying children using simplified current thresholds.
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Child & Dependent Care Credit Calculator
Estimate the child and dependent care credit with expense caps, earned income limits, and the AGI-based credit rate.
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Per Diem Calculator
Quickly total per diem for trips with full days and travel days (reduced rate), showing daily rates and total allowance.
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Standard Deduction Calculator (2025)
Look up your 2025 standard deduction with assumed current-law amounts and additional amounts for age 65+ and blindness.
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Estimated Quarterly Tax Calculator
Estimate annual tax and suggested quarterly payments using a simple tax rate and optional safe harbor percentage.
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Tax Refund or Amount Due Estimator
Estimate your annual tax, apply credits, and see whether you’re likely to get a refund or owe more based on your withholding and an effective tax rate.
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Sales Tax Calculator by State
Estimate sales tax using an average state rate, with an option to override the rate, to see tax and total for a purchase.
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CD Ladder Calculator
Split a deposit across multiple CD rungs to see each maturity amount and the total maturity value for the ladder.
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Property Tax Calculator
Estimate annual and monthly property tax from home value, assessment ratio, tax rate, and exemptions.
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PMI Drop Date Calculator
Estimate when your mortgage balance will hit the PMI cancellation LTV threshold and the calendar date that may happen.
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PITI Mortgage Payment Calculator
Estimate principal & interest plus property tax, insurance, and HOA to see your total monthly PITI payment.
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Biweekly vs Monthly Mortgage
Compare monthly versus biweekly payments to see payoff time, interest paid, and savings from the accelerated schedule.
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Mortgage Duration Calculator
Find how long it will take to pay off a mortgage given the balance, rate, and your monthly payment, plus total interest over the payoff period.
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Mortgage Payment with PMI
Estimate monthly principal & interest plus PMI if your down payment is below 20%, and see the full payment including PMI.
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Payment per $1,000 Borrowed
Find the monthly payment per $1,000 of loan at a given rate and term to quickly size payments for any loan amount.
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Monthly Payment Table Generator
Generate a quick table of monthly payments across a range of loan amounts for a fixed rate and term.
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Payment to Hit Target Payoff Date
Solve for the monthly payment needed to pay off a loan in a target number of months, plus total interest over that period.
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Loan Payoff with Extra Payment
See how adding a fixed extra monthly payment accelerates payoff and reduces total interest compared to the standard schedule.
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Mortgage Buydown Calculator
See how 2-1 or 1-0 buydowns reduce early payments, total savings in the buydown years, and whether the buydown cost breaks even.
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Cash to Close Calculator
Estimate the total cash needed to close, including down payment, closing costs, prepaid escrows, and any credits.
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Piggyback Loan vs PMI
Compare a piggyback combo loan to a single loan with PMI to see monthly payments and total paid over a comparison period.
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Debt-to-Income (DTI) Calculator
Calculate front-end and back-end DTI ratios from your housing payment and other monthly debts versus gross monthly income.
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Homeowner Affordability & Stability (HASP/HAMP) Refi
Compare your current mortgage payment and total interest to a stability-plan style refi with a lower rate/longer term, including closing-cost breakeven.
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Loan Amortization Schedule (with Extra Payment)
Compute a standard loan payment and see payoff months, total interest, and savings if you add an extra monthly prepayment.
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Amortization with Prepayments (Recurring + Lump Sum)
Model an amortization schedule with both recurring extra monthly payments and a one-time lump-sum prepayment. See payoff months, total interest, and savings.
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Email-Friendly Amortization Schedule
Generate an amortization schedule with optional extra payment, plus a preview you can copy into an email or CSV.
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Biweekly Mortgage Service vs DIY
Compare biweekly payment interest savings to the fees charged by a biweekly payment service to see if it’s worth paying for.
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Roth Conversion Tax Calculator
Estimate tax owed on a Roth conversion now versus potential tax later if you leave funds in a traditional account.
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PTO Accrual Calculator
Project annual PTO accrual, remaining hours after usage, and any hours lost to a carryover cap.
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ROAS Calculator
Compute return on ad spend as a multiple and percentage to see if campaigns are paying back.
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CAC Payback Calculator
See how many months it takes to recover customer acquisition cost (CAC) based on monthly revenue and gross margin.
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LTV to CAC Ratio Calculator
Calculate LTV:CAC to see if customer lifetime value justifies acquisition cost.
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Loan-to-Cost (LTC) Calculator
Calculate loan-to-cost and required equity for construction or bridge loans.
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Interest Coverage Ratio Calculator
Compute EBIT-to-interest coverage to gauge how comfortably a business can service its debt.
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Max Allowable Offer (MAO) Calculator
Use the 70% rule (or your own target margin) to find a max purchase price for flips or wholesale deals.
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Lease vs Rent Equipment Calculator
Compare total cost to lease equipment (with buyout) versus renting for a given usage period.
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Side Hustle Tax Calculator
Estimate self-employment tax plus simple income tax on side-hustle profit, with quarterly payment guidance.
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Safe Harbor Tax Calculator
Estimate the minimum tax you need to pay to meet IRS safe harbor rules and avoid underpayment penalties.
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Mileage vs Actual Expenses Calculator
Compare standard mileage deduction vs actual vehicle expenses to see which yields a larger deduction.
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I Bond vs CD After-Tax Calculator
Compare after-tax yields of Series I savings bonds vs CDs with federal/state tax differences.
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Side Hustle Estimated Payments
Estimate quarterly tax payments for side-hustle profit using SE tax + simple income tax minus withholding.
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Severance Pay Tax Calculator
Estimate withholding and net severance using supplemental flat rates plus state tax and optional extra withholding.
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Solo 401(k) Contribution Calculator
Estimate maximum solo 401(k) employee and employer contributions based on net self-employment income.
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Roth 401(k) vs Traditional 401(k)
Compare take-home impact and retirement after-tax value for Roth vs Traditional 401(k) deferrals.
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FSA Rollover vs Spend Calculator
See how much FSA you can roll over, how much you’d forfeit, and the tax savings you keep or lose.
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Capital Loss Carryover Calculator
Apply current-year gains/losses, the $3k ordinary income offset, and prior carryover to see next year’s capital loss carryover.
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HSA Contribution Limit Calculator
Calculate your HSA contribution limit with proration by months eligible and age-based catch-up.
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Bonus Depreciation Calculator
Calculate bonus depreciation and remaining basis, plus straight-line deduction on the remainder.
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MACRS Depreciation Calculator
Estimate first-year MACRS depreciation (table rate) and straight-line on remaining basis for quick planning.
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Underpayment Penalty Calculator
Estimate IRS underpayment interest on estimated tax shortfalls using a simple daily rate.
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EV Tax Credit Calculator
Check basic eligibility and maximum credit for new vs used EVs based on MSRP and income caps.
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Vacation Payout Calculator
Estimate net vacation payout using supplemental withholding for federal and state taxes.
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Income Percentile Calculator
Estimate where an individual income falls on a simplified US percentile scale.
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Household Income Percentile Calculator
Estimate where a household income falls on a simplified percentile scale with a household-size adjustment.
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Moving Cost Calculator
Estimate moving cost from distance, weight, labor hours, truck rate, and packing costs.
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UK Stamp Duty Calculator
Estimate UK stamp duty land tax (SDLT) for residential purchases, including first-time buyer relief and additional property surcharges.
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Property Transfer Tax Calculator
Estimate property transfer tax using tiered rates with optional first-time and new-build rebates (illustrative).
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Portfolio Rebalancing Calculator
Calculate trades needed to move from current weights to target weights given total portfolio value.
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IPO Return Calculator
Calculate gain per share, percent return, and total return from IPO issue price to current price.
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Down Payment Savings Calculator
See how much you need for a down payment, how much remains, and how many months to reach it with current savings rate.
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Pension Lump Sum vs Annuity
Compare a lump-sum payout to an annuity by discounting the annuity payments to present value.
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Child Tax Credit Eligibility
Estimate child tax credit eligibility and phaseout based on AGI, filing status, and number of qualifying children.
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Capital Gains Harvest Calculator
Estimate gain, tax, and net proceeds from harvesting capital gains at your tax rate.
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Net Investment Income Tax (NIIT) Calculator
Estimate NIIT (3.8%) based on net investment income, AGI, and filing status thresholds.
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RSU Sell-to-Cover Estimator
See how many RSU shares are sold to cover taxes and the net shares and value you receive.
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Lease vs Buy Car Calculator
Compare lease costs to buying a car (loan) over the lease horizon, including equity from ownership.
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Commuter Benefits Tax Savings
Estimate tax savings from pre-tax transit and parking benefits versus paying post-tax.
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Social Security Claiming Breakeven
Compare claiming early vs delaying Social Security to find the breakeven age where waiting starts to pay off.
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VA Funding Fee Calculator
Estimate the VA funding fee for a home purchase and whether rolling it into the loan changes your total amount financed.
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Gift Tax Exclusion Tracker
Track how annual exclusion gifts impact taxable gifts this year and your remaining lifetime exemption.
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Rent vs Sell Calculator
Compare net proceeds from selling now versus renting for a period and selling later with appreciation.
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Mortgage Recast Savings
See how a lump-sum recast lowers your monthly payment and total interest on your existing mortgage.
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Paycheck Salary Gross-Up
Work backwards from a target take-home paycheck to the gross salary needed, including pre-tax deductions.
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Solo 401k vs SEP IRA
Compare maximum contributions for a self-employed person under a Solo 401k (employee + employer) versus a SEP IRA.
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RSU vs Cash Bonus After Tax
Compare taking a bonus in RSUs versus cash, including current tax hit and potential future value.
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Vehicle Depreciation Curve
Estimate current vehicle value from MSRP using a simple year-by-year depreciation curve and mileage adjustment.
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Auto Insurance Claim vs Out-of-Pocket
See whether filing a claim or paying out of pocket is cheaper after your deductible and expected premium increase.
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FHA MIP Removal Timing
Estimate when FHA MIP can drop off based on original LTV and amortization to 78% of original value.
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Auto GAP Coverage Need
See how much GAP coverage you might need based on car value, loan balance, and deductible.
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Term Life Quote Estimator
Rough monthly and annual premium estimate for term life based on age, term, coverage, health class, and smoker status.
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Umbrella Insurance Coverage Estimator
Estimate how much umbrella coverage to consider based on net worth, existing liability limits, and future income risk.
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3-Card Credit Card Churn Calculator
Add up welcome bonuses for three cards and estimate total value at your redemption rate.
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Buydown vs Rate Lock Breakeven
Compare upfront buydown costs to shorter rate-lock extensions by looking at monthly savings breakeven points.
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Reward Points Valuation
Quickly value your points/miles stash using cents-per-point assumptions.
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Renters Insurance Coverage Needs
Estimate personal property, liability, and ALE coverage amounts for a renters policy.
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Tiny Home Affordability
Check if a tiny home fits your housing budget based on income, target DTI, down payment, rate, and term.
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Fiancé Prep Budget
Plan the monthly savings you need as a couple to hit your wedding budget on time.
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First-Time Homebuyer Grant Eligibility
Quickly gauge potential grant eligibility based on income vs AMI and first-time status.
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Mortgage Escrow Shortage
Calculate the new monthly escrow payment when spreading a shortage over a chosen number of months.
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Solar Tax Credit Eligibility
Estimate your solar tax credit amount, usable credit this year, and carryforward based on tax liability.
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EV vs Gas 5-Year TCO
Compare 5-year total cost of ownership for an EV versus a gas car, including fuel, maintenance, purchase price, and tax credit.
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Childcare vs Stay-Home Breakeven
Compare keeping a second income after childcare and work costs versus staying home.
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Hybrid Heat Pump Water Heater Payback
Estimate the payback period for upgrading to a heat pump water heater versus a standard unit.
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Roof Claim Depreciation
Estimate ACV payout, recoverable depreciation, and total potential claim on a roof.
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Medicare IRMAA Surcharge Estimator
Estimate Part B and Part D IRMAA surcharges based on your MAGI and filing status.
Open calculator →Why people trust us
Built for real-world decisions
Plan mortgages, auto loans, payoff timelines, and savings growth before you call a lender or adviser.
Clear amortization math
We use the same formulas lenders rely on so you understand where each dollar goes.
Scenario-friendly inputs
Adjust rates, terms, or contributions to compare options side by side.
Helpful context & disclaimers
Each calculator includes FAQs and reminders to verify numbers with a professional.
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FAQs
- Does this replace advice from a lender or financial planner?
- No. Use these tools to explore scenarios, then confirm details with your lender, CPA, or advisor before making commitments.
- Can I include taxes, insurance, or HOA dues?
- Most calculators focus on principal and interest. Add housing expenses separately or look for specialized tools as they launch.
- Will my information be saved?
- Never. Everything runs locally in your browser so no loan data is stored.