Financial calculators
81 free calculators for mortgages, loans, savings, investing, retirement and taxes. Every result updates as you type.
Credit cards
Interest, payoff and balance transfers · 3
Credit Card Payoff Calculator
See how long a balance takes to clear at your payment and what it costs in interest.
Average Daily Balance Calculator
Most card issuers charge interest on your average daily balance. Model one billing cycle.
Balance Transfer Calculator
Compare keeping a balance where it is against moving it to an intro-APR card.
Banking & savings
Savings, CDs and compound growth · 4
Savings Calculator
Project a savings account balance with regular deposits.
CD Calculator
What a certificate of deposit earns by maturity.
Compound Interest Calculator
Watch interest earn interest, with optional monthly contributions.
Emergency Fund Calculator
Size a cash cushion from your essential monthly costs.
Buying a home
Payments, affordability and loan types · 18
Mortgage Calculator
Your full monthly housing payment with taxes, insurance, PMI and HOA, plus an amortization schedule.
How Much House Can I Afford?
Estimate a comfortable home price from income, debts and down payment using lender debt-to-income limits.
How Much Can I Borrow for a Mortgage?
The largest mortgage your income supports at a given debt-to-income ratio.
Down Payment Calculator
How much to put down, and how long it takes to save it.
Closing Cost Calculator
Estimate cash due at closing beyond the down payment.
Mortgage Amortization Calculator
Month-by-month principal, interest and balance, with optional extra payments.
Rent vs. Buy Calculator
Compare net worth from owning against renting and investing the difference.
VA Loan Calculator
Monthly payment on a VA mortgage, including the VA funding fee.
USDA Loan Calculator
Zero-down USDA mortgage payment with the upfront and annual guarantee fees.
FHA Loan Calculator
FHA payment with upfront and annual mortgage insurance premiums.
Jumbo Loan Calculator
Payment on a loan above the conforming limit, and how far over the limit you are.
Mortgage Points Calculator
When buying discount points to lower your rate breaks even.
PMI Calculator
Private mortgage insurance cost and when it falls off.
Mortgage Prequalification Calculator
A ballpark loan and price range to expect before talking to a lender.
Loan-to-Value (LTV) Calculator
Your LTV and combined LTV, and what those ratios unlock.
Mortgage Comparison Calculator
Two mortgage offers side by side on payment and lifetime cost.
Mortgage Income Calculator
The income you need to qualify for a specific home.
Credit Score and Mortgage Rate Calculator
How your credit tier changes the rate and payment you are likely to see.
Refinance & home equity
Refis, HELOCs and paying off early · 6
Mortgage Refinance Calculator
Monthly savings, break-even and lifetime cost of refinancing.
Cash-Out Refinance Calculator
How much cash you can take out and the new payment.
Home Equity Loan Calculator
Your borrowing limit and fixed monthly payment.
HELOC Calculator
Credit line size, interest-only draw payments and repayment payments.
Mortgage Payoff Calculator
How extra payments shorten your loan and cut interest.
Cost of Owning a Home Calculator
Every recurring cost of ownership, beyond the mortgage.
Auto loans
Car payments, refis and true cost · 4
Auto Loan Calculator
Monthly car payment including trade-in, taxes and fees.
Auto Loan Refinance Calculator
Whether refinancing your car loan lowers your payment and total cost.
Car Affordability Calculator
The vehicle price your monthly budget supports.
Car Ownership Cost Calculator
Depreciation, fuel, insurance, upkeep and financing over the years you own it.
Personal & business loans
Borrowing, consolidation and SBA · 4
Personal Loan Calculator
Payment, interest and true cost including an origination fee.
Debt Consolidation Calculator
Compare paying several debts separately with one consolidation loan.
Business Loan Calculator
Payments and true APR for a term loan, with monthly or weekly payments.
SBA Loan Calculator
Monthly payment on an SBA 7(a) or 504 loan with the guarantee fee.
Student loans
Payments, payoff and repayment plans · 10
Student Loan Calculator
Monthly payment and total cost for a federal or private student loan.
Student Loan Payoff Calculator
Find your debt-free date and how extra payments speed it up.
Biweekly Student Loan Payment Calculator
Paying half your bill every two weeks adds one full payment a year.
Student Loan Refinance Calculator
Savings from refinancing to a lower rate or different term.
Weighted Average Interest Rate Calculator
The combined rate across all your loans.
Student Loan Consolidation Calculator
Your rate and payment under a federal Direct Consolidation Loan.
Student Loan Interest Calculator
How much interest your loan adds each day.
Income-Driven Repayment Calculator
Compare federal payments under RAP and legacy income-driven plans.
Parent PLUS Loan Calculator
Monthly payments on a federal Direct PLUS loan, after the origination fee.
Student Loan Deferment and Forbearance Calculator
Interest that builds while payments are paused.
Investing
Returns, dividends, funds and Treasurys · 6
Investment Calculator
How contributions and returns grow over time.
Stock Profit Calculator
Gain, return and annualized return on a stock trade.
Dividend Calculator
Long-run returns on a dividend stock with dividends reinvested.
Mutual Fund Fee Calculator
Growth after expense ratios and sales loads, and what fees cost you.
Treasury Bill and Bond Calculator
Yield on a T-bill or interest on a Treasury note or bond.
Asset Allocation and Rebalancing Calculator
How far your portfolio has drifted from its target, and the trades to rebalance.
Retirement
401(k), IRAs, Social Security and FIRE · 9
Retirement Calculator
Are you on track? Project savings, retirement income and any shortfall.
401(k) Calculator
Your 401(k) at retirement with your contributions and employer match.
401(k) Early Withdrawal Calculator
What you keep from an early withdrawal and the growth you give up.
Roth IRA Calculator
How much you can contribute this year and your projected balance.
Social Security Benefits Calculator
Estimate your monthly retirement benefit at each claiming age.
Coast FIRE Calculator
The amount you need invested now to stop contributing and still retire on time.
FIRE Calculator
The portfolio that funds early retirement and when you reach it.
Required Minimum Distribution (RMD) Calculator
Your RMD this year and a projection for the next decade.
How Long Will My Money Last?
How many years your savings fund your withdrawals.
Employee equity & pay
RSUs, ESPPs and total compensation · 3
Taxes
Income, capital gains, gifts and windfalls · 4
Federal Income Tax Calculator
Estimate your 2026 federal tax, refund or balance due.
Capital Gains Tax Calculator
Tax on an investment sale, including the 3.8% net investment income tax.
Lottery Tax Calculator
What you keep from a jackpot as a lump sum or annuity.
Gift Tax Calculator
How much of your annual and lifetime exclusions a gift uses.
Budgeting & everyday
Budgets, goals, net worth and more · 7
50/30/20 Budget Calculator
Split take-home pay into needs, wants, and savings and debt payoff.
Savings Goal Calculator
The monthly deposit that gets you to a goal by a deadline.
Net Worth Calculator
What you own minus what you owe.
Cost of Living Calculator
The salary you'd need in a new city to keep your standard of living.
Inflation Calculator
What prices will cost later, and what today's money will be worth.
Tip Calculator and Bill Splitter
Tip and each person's share in one step.
Wedding Budget Calculator
Divide a wedding budget across the usual categories.
Insurance
Coverage needs and deductibles · 3
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Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures.