Finance
Loans, mortgages, tax, investing, and everyday money.
136 calculators
401(k) Calculator — contributions, employer match & projectionProject a 401(k): the employee deferral capped at the IRS limit for your age tier, the employer match, and the balance at retirement — with the 2026 contribution limits.403(b) Calculator — retirement plan growthProject the growth of a 403(b) retirement account from your balance, annual contributions, expected return and years. $10,000 plus $12,000 a year at 7% for 30 years grows to about $1.21 million.50/30/20 Budget Calculator — needs, wants, savingsSplit your take-home pay into needs, wants, and savings using the 50/30/20 rule — with adjustable percentages and alternative splits side by side.529 Calculator — college savings growthProject how much a 529 college-savings plan will grow from your balance, monthly contributions, expected return and years. $5,000 plus $300 a month at 6% for 18 years grows to about $130,000.Amortization Calculator — payment, total interest & scheduleFind a loan's monthly payment, total interest, and payoff, with a year-by-year amortization schedule showing how each payment splits between principal and interest.Annuity Payout Calculator — what a balance can pay, and for how longDraw down a balance that keeps earning: the level monthly withdrawal a horizon supports, how long your chosen withdrawal actually lasts, and the total paid out.APR Calculator — the effective rate after feesTurn a note rate plus upfront fees into the effective APR: the rate that amortizes what you actually received at the payment you actually make.APY Calculator — annual percentage yieldConvert a nominal interest rate and compounding frequency into the annual percentage yield (APY). A 5% rate compounded monthly gives an APY of about 5.116%.Auto Lease Calculator — depreciation, rent charge & paymentCompute a car lease payment the way the contract does: depreciation (cap cost minus residual, spread over the months) plus the money-factor rent charge.Auto Loan Calculator — payment on what you actually financeCompute the amount you actually finance — price minus down payment and trade-in, plus taxes and fees — and the monthly payment, interest, and cash cost across terms.Bond Price Calculator — coupons and face value at the market yieldPrice a bond as its two discounted pieces: the coupon stream plus the face value at maturity, at the market yield — with par, premium, and discount made visible.Bonus Tax Calculator — take-home after withholding (2026)See how much of a bonus you keep after federal supplemental withholding (22%) plus Social Security and Medicare — with a full withholding teardown.Break-Even Calculator — units and revenue to break evenFind the units and sales you need to cover fixed costs: contribution margin, break-even point, and how it shifts with price — plus target-profit volume.CAGR Calculator — the annual rate your growth impliesTurn a start value, end value, and years into the compound annual growth rate — the steady yearly rate that connects the two — plus total growth and the gain.Capital Gains Tax Calculator — long-term 0/15/20% + NIIT (2026)Estimate federal tax on a long-term capital gain: the 0%, 15%, or 20% rate by income plus the 3.8% NIIT, with the gain stacked on your other income.CD Calculator — maturity value & effective annual rateCompute what a certificate of deposit grows to over its locked term, the interest earned, and the effective annual rate that makes quotes comparable across compounding.Closing Costs Calculator — itemize your Loan EstimateSum the closing-cost line items CFPB lists — appraisal, title insurance, government taxes, tax service, prepaids — into a total, a fees-only figure, and a share of the loan.Commission Calculator — earnings from sales and rateCompute commission as sales times the rate, add a base salary for total pay, and see the effective rate on sales — plus how earnings scale with what you sell.Compound Interest Calculator — growth at every compounding frequencyCompute future value with FV = P(1 + r/k)^(k·y) and see the same money compounded annually through daily — how much frequency really matters next to rate and time.Cost Per Mile Calculator — fixed and variable driving costsFind what a mile of driving costs: fixed annual costs spread over your miles plus the variable cost per mile, and how the rate falls the more you drive.Credit Card Payoff Calculator — months to zero at your paymentSee how long a fixed monthly payment takes to clear a card balance at your APR, the total interest, and how much faster +$50, +$100, or +$200 a month finishes.Debt Consolidation Calculator — one loan vs. your current pathCompare keeping your debts on minimum payments against one consolidation loan: the new payment, months, and total cost of each path, with the difference signed.Debt Payoff Calculator — avalanche vs. snowball on your debtsSimulate paying up to three debts with one monthly budget under both CFPB-described methods — highest rate first and smallest balance first — months, interest, and the gap.Debt-to-Income (DTI) Calculator — your ratio, and with a new loanCompute your debt-to-income ratio the way lenders do — monthly debt payments divided by gross monthly income — and see what a proposed new payment does to it.Depreciation Calculator — straight-line & declining balanceCalculate depreciation by the straight-line or double-declining-balance method, with the yearly expense and book value. A $30,000 asset with $3,000 salvage over 5 years depreciates $5,400 a year straight-line.Discount Calculator — sale price, savings & stacked discountsCompute a sale price and the amount saved from an original price and a discount percentage — and see why stacking two discounts doesn't add up the way it looks.Dividend Yield Calculator — payout, yield & incomeTurn a per-period dividend and share price into the annual payout, the dividend yield, and the income a holding produces — with the price-yield inverse in view.Down Payment Calculator — 5% to 20% comparedSee what each down payment means: the cash needed, your loan amount, monthly payment, and PMI at 5%, 10%, 15%, and 20% down on the same home price.Emergency Fund Calculator — target, gap & time to saveSet an emergency fund target from your monthly expenses and months of coverage, see the gap to your current savings, and how long it takes to close it.FHA Loan Calculator — 3.5% down, MIP includedModel an FHA loan: the 3.5% minimum down payment (CFPB), upfront MIP financed into the loan, annual MIP in the monthly payment — with the MIP rates as adjustable estimates.FIRE Calculator — financial independence number & timelineFind your FIRE number — the savings that fund your expenses at a safe withdrawal rate — and how many years to reach it. At a 4% rate, $40,000 of expenses needs $1,000,000 (25×).Future Value Calculator — lump sum plus contributionsProject a balance forward: a starting amount compounding plus regular contributions accumulating, with the final value split into principal growth, money in, and interest.HELOC Calculator — draw-period & repayment payments, payment shockSee both HELOC payments — the low interest-only draw payment and the higher amortizing payment after it converts — plus the payment shock and total interest.Home Equity Loan Calculator — what you can borrow & what it costsSee your available equity, how much a lender's CLTV cap leaves borrowable, and the fixed monthly payment and total interest on the lump sum you take.Hourly to Salary Calculator — annualize an hourly wageTurn an hourly wage into an annual salary using your own hours per week and weeks per year, with part-time and full-time schedules side by side.House Affordability Calculator — what your income supportsEstimate the home price your income supports: a housing budget from your income and DTI limit, minus debts and escrow, inverted into a loan amount plus your down payment.Income Tax CalculatorEstimate your 2026 US federal income tax from filing status and income, with a bracket-by-bracket breakdown, effective rate, and marginal rate — from IRS figures.Inflation Calculator — future prices & today's purchasing powerApply an assumed inflation rate: what today's amount will cost in the future, what today's money will still buy, and how fast prices double at that rate.Interest Calculator — simple, compound & loan interest side by sideOne principal, rate, and term under all three interest mechanisms: simple (on the principal), compounded annually, and a loan's interest on a declining balance.Interest Rate Calculator — the rate your payment impliesGiven a loan amount, monthly payment, and term, solve the amortization formula backwards for the implied annual interest rate, with totals and a rate neighborhood.Investment Calculator — future value in today's moneyGrow a lump sum plus annual contributions at a nominal rate, then deflate by an inflation assumption: the balance in future dollars and in today's purchasing power.IRA Calculator — contributions capped, balance projectedProject an IRA: your annual contribution capped at the IRS limit for your age ($7,500, or $8,600 at 50+ for 2026), grown to retirement at your assumed return.IRR Calculator — the rate your cash flows actually earnSolve for the internal rate of return — the discount rate at which your outlay and cash flows net to zero — with the NPV curve it sits on and the hurdle-rate view.Loan Calculator — compare rates & terms side by sideCompare loan scenarios: monthly payment and total cost for one amount at different rates and terms. See whether a shorter term or a lower rate actually saves more.Margin Calculator — gross profit margin from revenue and costCompute gross profit margin as profit over revenue, the markup it corresponds to, and the price any target margin requires on your cost.Markup Calculator — markup %, margin & profit from cost and priceCompute markup as profit over cost, alongside the margin (profit over price) it implies — the two are not the same number, and this shows both from one cost and price.Mortgage CalculatorEstimate your monthly mortgage payment, total interest, and payoff schedule from home price, down payment, rate, and term — with taxes, insurance, and PMI.Mortgage Payoff Calculator — extra payments, interest saved & time cutSee what an extra monthly payment does to your mortgage: how much interest you save and how many years earlier you pay it off, baseline vs accelerated side by side.Mortgage Points Calculator — break-even on buying down your rateSee what discount points cost (1% of the loan each), the monthly saving from the lower rate, the break-even month, and the signed lifetime outcome held to term.Multiple Credit Cards Payoff Calculator — when each card is goneOne budget across up to three cards, extra to the highest APR first: the month each card reaches zero, the debt-free month, and the total interest.Net Worth Calculator — assets minus liabilitiesAdd up what you own and subtract what you owe to find your net worth, with an itemized breakdown showing how each asset and debt weighs in.NPV Calculator — cash flows discounted against the outlayDiscount up to five annual cash flows at your required rate and subtract the upfront outlay: the net present value, the stream's worth today, and the rate sweep.Overtime Pay Calculator — time-and-a-half over 40 hoursCalculate weekly pay with overtime: regular hours at your rate plus hours over 40 at time and one-half, following the FLSA rule, with an hours sweep.Pay Raise Calculator — new salary and real raiseSee your new salary after a percentage raise, the dollar increase, and the real raise after inflation — a raise below inflation is a real pay cut.Payback Period Calculator — years to recover an investmentFind the payback period of an investment — how long its cash flows take to recover the initial cost. A $50,000 investment returning $12,000 a year pays back in about 4.17 years.Pension Calculator — defined-benefit formula & replacementCompute a defined-benefit pension: years of service times the plan multiplier times final average salary, with the share of salary it replaces and the lifetime total.Personal Loan Calculator — net proceeds & the true APR after the feeSee what an origination fee leaves in your hands, the monthly payment on the full amount, and the true APR — the rate on the money you actually received.PMI Calculator — monthly cost and when it endsEstimate your monthly PMI, the month you can request cancellation at 80% of original value, the automatic-termination month at 78%, and the total PMI paid until then.Present Value Calculator — what future money is worth todayDiscount a future amount, a payment stream, or both to today's value at your rate — the same time-value arithmetic as compounding, run backwards.Property Tax Calculator — assessment × your local rateCompute property tax the way assessors do: assessed value minus exemptions, times your local rate per $1,000 — with the monthly escrow figure and effective rate.Refinance Calculator — break-even, monthly savings & lifetime costRefinance break-even calculator: the break-even month, your new payment and monthly savings, and the lifetime-interest impact of re-extending the term.Rent Affordability Calculator — your budget vs. the 30% benchmarkSee the monthly rent a share of your income supports, what share your actual rent and utilities take, and your headroom against HUD's 30% affordability benchmark.Rent vs. Buy Calculator — net cost of each path over your horizonCompare renting and buying over the years you expect to stay: what each path pays out, what a sale recovers, the net cost of each, and the break-even year.Retirement Calculator — nest egg and the income it supportsProject savings to retirement, then the level monthly income the nest egg sustains: the accumulate-then-draw-down math, with the cost of retiring earlier or later.Retirement Savings by Age — Fidelity's milestones at your incomePrice Fidelity's published savings milestones — 1x by 30 through 10x by 67 — at your income, with your next milestone, the gap to it, and the years you have.RMD Calculator — required minimum distribution by ageCompute a required minimum distribution: the prior-year account balance divided by the IRS Uniform Lifetime Table factor for your age, with the share it forces out.ROI Calculator — return on investment, and its blind spotCompute ROI as gain minus cost over cost, the net gain in dollars, and the annualized rate that adds back the time dimension plain ROI ignores.Roth IRA Calculator — contributions, income phase-out & tax-free growthProject a Roth IRA: your contribution reduced by the IRS income phase-out for your filing status, grown tax-free — with the 2026 MAGI ranges where eligibility fades.Rule of 72 Calculator — doubling time, estimated and exactDivide 72 by your rate to estimate the years to double your money — the SEC's shortcut — next to the exact ln(2)/ln(1+r) answer, and where the rule drifts.Salary Calculator — convert pay across periodsConvert pay between annual, monthly, biweekly, weekly, and hourly. Enter pay at any frequency and see it at all the others, with the periods per year.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Sales Tax Calculator — by US stateCalculate US sales tax by state: enter an amount and pick your state for the tax and total, using 2026 combined state + average local rates. Override with your local rate.Savings Calculator — regular deposits, compounding balanceGrow regular deposits at a compounding rate: the balance after your years, the total you put in, the interest earned, and how the curve steepens with time.Savings Goal Calculator — the deposit your target requiresSolve the savings formula backwards: the monthly (or quarterly, or annual) deposit needed to reach a target amount at your rate and horizon, and how waiting raises it.Self-Employment Tax Calculator — Schedule SE (2026)Compute self-employment tax on net earnings: 15.3% (Social Security + Medicare) on 92.35% of profit, the deductible half, and how the Social Security cap bites.Simple Interest Calculator — I = P·r·t, and what compounding addsCompute simple interest on the principal only — I = P × r × t — with the total owed or earned, and the gap annual compounding would add on the same inputs.Social Security Calculator — benefit from AIME & claim ageEstimate a Social Security benefit: the PIA formula (90/32/15 at the 2026 bend points) applied to your AIME, adjusted for claiming early or late against a full retirement age of 67.Split Bill Calculator — uneven shares with tipSplit a restaurant check when everyone ordered different amounts: tip the whole bill, then compare an even split against paying for what you ordered.Stock Return Calculator — total return, price + dividendsCompute a stock's total return: price change plus dividends over what you paid, split into its price and income components, and annualized over the holding period.Student Loan Calculator — federal rates by loan typeCompute a federal student loan payment at the current statutory rate for your loan type — undergraduate, graduate, PLUS, or Perkins — plus daily interest the way Federal Student Aid computes it.Student Loan Payoff Calculator — extra payments across your loansAggregate up to two student loans and see what an extra monthly amount saves: interest avoided, months cut, with the extra targeted at the higher rate first.Take-Home Pay Calculator — net after federal tax & FICA (2026)See your net pay after federal income tax, Social Security, and Medicare, with a full paycheck teardown of where each dollar of gross salary goes.Tip Calculator — gratuity, total & split per personCompute a tip from the bill and rate, the total with tip, and the amount per person when splitting — with common tip rates side by side.Unit Price Calculator — compare package sizesFind the price per unit of up to three packages and see which is the better buy — the lowest price per ounce, load, or count, highlighted for you.VA Mortgage Calculator — funding fee, loan & paymentCompute a VA purchase loan: the funding fee for your down-payment and prior-use tier (VA schedule), the loan with the fee financed, and the monthly payment — no PMI.VAT Calculator — add or remove value-added taxAdd VAT to a net price or remove it from a gross price at any rate. Enter an amount and rate to see the net, the VAT, and the gross total. Works for any country's VAT or GST.