Financial Calculators
60 free calculators for mortgages, loans, taxes, retirement, savings, credit cards, brokerage accounts & insurance — all using 2026 figures. Everything runs instantly in your browser, with no sign-up required. Every calculator lets you save results, share a link, and export a PDF.
Popular Calculators
Mortgage Payoff Calculator
Monthly payment, total interest & full amortization schedule.
Personal Loan Calculator
Monthly payment and APR comparison for any personal loan.
Credit Card Payoff Calculator
See your debt-free date and total interest paid vs. minimum payments.
Mortgage Calculators
Mortgage Payoff Calculator
Monthly payment, total interest & full amortization schedule.
Refinance Break-Even Calculator
Monthly savings, break-even month, and lifetime savings.
Home Affordability Calculator
Max home price using the 28/36 rule based on income and debts.
15-Year vs 30-Year Mortgage Calculator
Compare monthly payment and total interest for each loan term.
Mortgage Points Calculator
Compare discount points, monthly savings, and the break-even date.
Mortgage Closing Cost Calculator
Estimate cash to close from down payment, fees, prepaids, and credits.
HELOC vs Home Equity Loan
Compare fixed payments with a HELOC draw and repayment period.
HELOC Payment Calculator
Model interest-only draw payments, repayment payments, and available equity.
PMI Removal Calculator
Estimate when conventional PMI may reach request and automatic-termination thresholds.
Self-Employed Mortgage Income
Estimate qualifying income using two-year Schedule C averaging and add-backs.
Bank Statement Loan Calculator
Estimate non-QM qualifying income from deposits and an expense factor.
Home Equity Loan Calculator
Monthly payment and total cost for a HELOC or home equity loan.
Rent vs Buy Calculator
Compare the true cost of renting vs. buying, including equity and appreciation.
Rental Property Calculator
Estimate NOI, cap rate, cash flow, and cash-on-cash return.
Loan Calculators
Personal Loan Calculator
Monthly payment and APR comparison for any personal loan.
Auto Loan Calculator
Car payment with trade-in, down payment, and term comparison.
Lease vs Buy Calculator
Compare the true cost of leasing vs. financing a car.
EMI Calculator
Equated monthly installment with principal vs. interest breakdown.
Student Loan Calculator
Repayment schedule, payoff date, and total interest for student debt.
Student Loan Plan Comparison
Compare standard amortization with an income-linked payment illustration.
Tax Calculators
Federal Income Tax 2026
2026 IRS brackets, FICA, effective rate, and monthly take-home pay.
Take-Home Paycheck Calculator
Net pay per paycheck after federal, FICA, state tax, and 401(k).
Self-Employment Tax Calculator
Estimate 2026 Social Security, Medicare, and quarterly reserves.
Quarterly Estimated Tax Calculator
Estimate quarterly federal payments and safe-harbor targets for 1099 income.
Retirement Calculators
Retirement Savings Calculator
Project your nest egg at retirement with compound growth modeling.
401(k) Calculator
2026 limits, employer match modeling, and projection chart.
FIRE Calculator
Your FIRE number and years to financial independence using the 4% rule.
Roth vs Traditional IRA Calculator
Compare after-tax value using your contribution and tax rates now vs. retirement.
Roth Conversion Calculator
See if converting a Traditional balance to Roth is worth the upfront tax bill.
Social Security Claiming Calculator
Compare claiming ages, adjusted benefits, and lifetime benefit estimates.
Required Minimum Distribution Calculator
Estimate a 2026 RMD using the IRS Uniform Lifetime Table.
Savings & Debt
Compound Interest Calculator
Savings growth with regular deposits and rate comparison.
Savings Goal Calculator
Find the exact monthly deposit to reach a target by your deadline.
CD Ladder Calculator
Build equal, staggered CD maturities and estimate initial interest.
HYSA vs CD Calculator
Compare flexible savings with a CD and early-withdrawal penalty.
Emergency Fund Calculator
Size your 3–6 month cushion and get a funding timeline.
Debt Payoff Calculator
Compare the snowball and avalanche methods across all your debts.
Debt Snowball Calculator
Pay off debt smallest balance first and see your exact debt-free date.
Debt Consolidation Loan Calculator
See if consolidating your debts into one loan saves money.
Debt-to-Income (DTI) Calculator
Front-end and back-end DTI vs. the 28/36 and 43% lender rules.
Net Worth Calculator
Add up assets and liabilities to track your overall financial picture.
Monthly Budget Calculator
50/30/20 rule breakdown — needs, wants, and savings from your income.
Credit Cards
Credit Card Payoff Calculator
See your debt-free date and total interest paid vs. minimum payments.
APR Calculator
Convert between APR and daily/monthly rates and compare card offers.
Balance Transfer Calculator
Calculate savings from moving balances to a 0% intro APR card.
Rewards & Cash Back Calculator
Estimate annual rewards earnings based on your spending categories.
Credit Utilization Calculator
Check your overall and per-card utilization ratio and paydown targets.
Brokerage Accounts
Investment Return Calculator
Project portfolio growth with contributions, rate of return, and inflation.
Stock Profit / Loss Calculator
Calculate gain or loss on a stock trade including commissions.
Dividend Yield Calculator
Annual dividend income and yield-on-cost from stocks or ETFs.
Capital Gains Tax Calculator
Short- and long-term federal capital gains tax on investment sales.
529 College Savings Calculator
Project your 529 balance and state tax deduction savings.
Position Size & Risk Calculator
Calculate shares and dollars at risk from entry and stop prices.
Insurance
Life Insurance Coverage Calculator
Estimate how much life insurance you need using the DIME method.
Insurance Premium Estimator
Estimate your auto or home insurance premium based on coverage and risk.
HSA Contribution & Tax Savings Calculator
See your HSA's tax savings and projected balance using 2026 limits.
Other Financial Tools
Inflation Calculator
See how purchasing power changes over time using CPI data.
Currency Converter
Live exchange rates for 150+ currencies for travel and business.
Cost of Living Calculator
Compare cities and find the salary you'd need to relocate.
Salary & Raise Calculator
Convert salary to hourly and see your new pay after a raise.