Essentials & Buying a Home
Mortgage Calculator
Monthly payment, interest breakdown, and amortisation for a fixed-rate mortgage.
Open calculatorAffordability Calculator
How much house can you afford — based on income, debts, and down payment.
Open calculatorDebt-to-Income Calculator
Work out your front-end and back-end DTI ratios — the numbers lenders check first.
Open calculatorRent vs. Buy Calculator
Compare the true cost of renting against buying over the years you plan to stay.
Open calculatorClosing Cost Calculator
Estimate lender fees, third-party fees and prepaids — and the total cash needed to close.
Open calculatorDown Payment Calculator
Set a down payment goal and see how long it takes to save for it.
Open calculatorHome Loan Calculator
PITI estimate including taxes and insurance for a home purchase.
Open calculatorFirst-Time Homebuyer Calculator
Full monthly payment and down payment needed for a first home purchase.
Open calculatorBuyer Closing Cost Estimator
A full breakdown of a buyer's closing costs and the total cash needed to close.
Open calculatorPre-Qualification Calculator
A quick pre-qualification estimate of the home price and loan a buyer can support.
Open calculatorCompare Options
15 vs 30 Year Mortgage Calculator
Compare a 15-year and a 30-year mortgage — payment, total interest and savings.
Open calculator20 vs 30 Year Mortgage Calculator
Compare a 20-year and a 30-year mortgage — payment, total interest and savings.
Open calculatorARM vs. Fixed-Rate Mortgage Calculator
Compare an adjustable-rate mortgage against a fixed-rate loan over the full term.
Open calculatorFixed Rate vs. Interest Only Mortgage Calculator
Compare a standard fixed-rate loan against an interest-only loan — payment and total cost.
Open calculatorARM & Interest Only ARM vs. Fixed Rate Calculator
Compare a standard ARM, an interest-only ARM, and a fixed-rate loan side by side.
Open calculatorPayoff & Refinance
Refinance Calculator
Compare your current mortgage to a refinance offer and find your break-even.
Open calculatorCash-Out Refinance Calculator
See your new payment and loan-to-value when you refinance and take cash out.
Open calculatorBi-Weekly Payment Calculator
See how much time and interest you save by paying your mortgage bi-weekly.
Open calculatorExtra Payment Calculator
See how an extra monthly payment shortens your loan and cuts total interest.
Open calculatorMortgage Recast Calculator
See your new lower payment after applying a lump sum and recasting the loan.
Open calculatorMortgage Debt Consolidation Calculator
See your new payment and monthly savings from rolling high-interest debt into your mortgage.
Open calculatorBiweekly Payments for an Existing Mortgage
See the time and interest you save by switching your current mortgage to bi-weekly payments.
Open calculatorAdjustable Rate (ARM)
ARM Calculator
Adjustable-rate mortgage — initial payment and what it becomes after the rate adjusts.
Open calculatorInterest Only ARM Calculator
See the low interest-only ARM payment and the jump once the rate adjusts and principal kicks in.
Open calculatorOption ARM Calculator
See the low minimum payment on an option ARM and the deferred interest that grows your balance.
Open calculatorAPR Calculator for Adjustable Rate Mortgages
Estimate the true APR of an ARM, factoring in fees and the projected rate after it adjusts.
Open calculatorAlternative & Specialty
FHA Loan Calculator
FHA mortgage payment including upfront and annual mortgage insurance premiums (MIP).
Open calculatorJumbo Loan Calculator
Monthly payment, loan-to-value and lifetime cost for a jumbo (non-conforming) mortgage.
Open calculatorUSDA Loan Calculator
USDA rural housing loan payment with the upfront and annual guarantee fees.
Open calculatorVA Loan Calculator
VA mortgage payment with the VA funding fee — for eligible veterans and service members.
Open calculatorReverse Mortgage Calculator
Estimate how much a homeowner aged 62+ could access with a reverse mortgage.
Open calculatorConstruction Loan Calculator
Interest during the build plus the permanent mortgage payment once it converts.
Open calculatorInterest Only Mortgage Calculator
See your low interest-only payment and the higher payment once the loan starts amortizing.
Open calculatorBalloon Mortgage Calculator
See your low monthly payment and the large balloon balance due at the end of the term.
Open calculatorBlended Rate Mortgage Calculator
Find the effective blended interest rate and combined payment across a first and second mortgage.
Open calculatorCombination Mortgage Calculator
Compare a single mortgage with PMI against a first-plus-piggyback-second combination.
Open calculatorMortgage Analysis
PMI Calculator
See your monthly private mortgage insurance and when it drops off the loan.
Open calculatorHELOC Calculator
Home equity line of credit — interest-only draw period and repayment-period payments.
Open calculatorHome Equity Loan Calculator
Fixed-rate second mortgage payment and how much equity you can borrow.
Open calculatorMortgage Points Calculator
See whether buying discount points to lower your rate is worth the upfront cost.
Open calculatorAPR vs. Interest Rate Calculator
See the true APR once lender fees are included, next to the quoted note rate.
Open calculatorMortgage Tax Savings Calculator
Estimate how much you save on income tax by deducting your mortgage interest.
Open calculatorMortgage Required Income Calculator
Find the minimum annual income you need to qualify for a given mortgage.
Open calculatorLoan Basics
Loan Calculator
Personal loan monthly payment, total interest, and total cost.
Open calculatorLoan Comparison Calculator
Compare two loan options side by side — payment and lifetime interest.
Open calculatorTotal Cost of Loan Calculator
The full lifetime cost of a loan — principal, interest and upfront fees combined.
Open calculatorExisting Loan Calculator
Find the current balance and remaining interest on a loan you are already paying.
Open calculatorAlternative Payment Frequencies Calculator
Compare the payment for the same loan paid weekly, bi-weekly, semi-monthly, monthly, quarterly or annually.
Open calculatorDeferred Payment Loan Calculator
See how a no-payment deferral period grows your balance and raises the payment that follows.
Open calculatorLoan & Credit Line Payment Calculator
Compare the payment on a fixed installment loan against an interest-only revolving credit line.
Open calculatorComposition of a Loan Payment Calculator
See how each loan payment splits between principal and interest, and how that shifts over the life of the loan.
Open calculatorStudent Loans
Specialty & Tax
Loan & Credit Line Tax Savings Calculator
Estimate the income-tax savings from deducting interest on a loan or credit line.
Open calculator365/360 Loan Calculator
Amortize a loan using the 365/360 method, where daily interest uses a 360-day year over 365 days.
Open calculator365/365 Loan Calculator
Amortize a loan using the actual/365 method, where daily interest uses a true 365-day year.
Open calculatorBuying & Leasing
Auto Lease Calculator
Monthly lease payment from cap cost, residual, money factor, and term.
Open calculatorCar Loan Calculator
Estimate the monthly payment on a vehicle loan, including trade-in and sales tax.
Open calculatorCar Buy vs. Lease Calculator
Compare the net cost of buying a vehicle against leasing it over the same period.
Open calculatorTruck Loan Calculator
Estimate the monthly payment on a truck loan, including trade-in and sales tax.
Open calculatorMotorcycle Loan Calculator
Estimate the monthly payment on a motorcycle loan, including trade-in and sales tax.
Open calculatorLease vs. Cash Calculator
Compare paying cash for a vehicle against leasing it and keeping your cash invested.
Open calculatorRV Loan Calculator
Estimate the monthly payment on an RV loan, including trade-in and sales tax.
Open calculatorBoat Loan Calculator
Estimate the monthly payment on a boat loan, including trade-in and sales tax.
Open calculatorRefinance & Payoff
Auto Refinance Calculator
See the monthly and interest savings from refinancing your auto loan to a new rate or term.
Open calculatorAuto Loan Early Payoff Calculator
See how adding extra to your car payment shortens the loan and cuts the interest you pay.
Open calculatorBiweekly Auto Loan Payment Calculator
See the time and interest you save by paying your auto loan bi-weekly instead of monthly.
Open calculatorFinancing Decisions
Auto Rebate vs. Low Interest Financing Calculator
Decide whether to take the cash rebate or the dealer's low promotional financing rate.
Open calculatorHome Equity Loan vs. Auto Loan Calculator
Compare financing a vehicle with a home equity loan against a standard auto loan, after taxes.
Open calculatorPay Off Debt
Line of Credit Payoff Calculator
See how long it takes to pay off a credit line and the total interest at a fixed monthly payment.
Open calculatorCredit Card Payoff Calculator
See how long it takes to pay off a credit card and the payment needed to clear it by a target date.
Open calculatorCredit Card Minimum Payment Calculator
See how long it takes — and how much interest you pay — making only the minimum payment.
Open calculatorCost-of-Debt Calculator
See the true long-term cost of carrying a balance — total interest and the growth those dollars could earn.
Open calculatorHow Much Do You Owe Calculator
Add up all your debts into one view — total balance, total payment, and blended interest rate.
Open calculatorPayoff Strategies
Debt Snowball Calculator
Pay debts smallest-balance-first, rolling each freed-up payment into the next, to become debt-free faster.
Open calculatorRoll-Down Your Debt Calculator
Pay debts highest-rate-first (the avalanche), rolling each freed-up payment into the next to save the most interest.
Open calculatorAccelerated Debt Payoff Calculator
See how adding an extra amount each month shortens your payoff and slashes the interest you pay.
Open calculatorConsolidate & Transfer
Personal Debt Consolidation Calculator
Compare your current debts against rolling them into a single personal consolidation loan.
Open calculatorBalance Transfer Comparison Calculator
Compare keeping a balance on your current card against transferring it to a lower-rate card with a fee.
Open calculatorCredit Card Optimizer Calculator
Find the lowest-interest way to distribute balances across your cards within their credit limits.
Open calculatorBalance Transfer Optimizer (Promo Rate)
Model a 0% or low intro rate that later reverts, to see if you clear the balance before the promo ends.
Open calculatorConsolidation Loan Investment Calculator
Consolidate to a lower payment, invest the monthly savings, and see what that difference could grow to.
Open calculatorGrow Your Savings
Compound Savings Calculator
See how regular contributions and compound interest grow your savings over time.
Open calculatorVice Savings Calculator
See what a daily habit — coffee, takeout, cigarettes — could grow to if you invested the money instead.
Open calculatorCompounding and Your Return Calculator
See how often interest compounds changes what the same rate actually earns.
Open calculatorSavings, Taxes and Inflation Calculator
See what your savings are really worth after taxes on growth and inflation.
Open calculatorCost of Waiting to Save Calculator
See how much a delay in starting to save costs you by the time you reach your goal.
Open calculatorGoals & Planning
Savings Goal Calculator
Find out how much to save each month to reach a savings goal by your target date.
Open calculatorCool Million Calculator
Find out how long it will take to save your first million — or any target — at your savings rate.
Open calculatorEmergency Savings Calculator
Find how big your emergency fund should be and how long it takes to get there.
Open calculatorCollege Savings Calculator
Estimate how much to save each month to cover future college costs.
Open calculatorHome Buyer Savings Calculator
Find how much to save each month for a down payment and closing costs by your target date.
Open calculatorSpending Savings Calculator
See how cutting a recurring expense — lunch out, coffee, a habit — adds up when invested.
Open calculatorCertificates of Deposit
Certificate of Deposit (CD) Calculator
See the interest and ending balance on a CD, plus its annual percentage yield (APY).
Open calculatorCD Ladder Calculator
Build a ladder of CDs with staggered maturities to balance yield and liquidity.
Open calculatorCompare CD Rates Calculator
See how even a small difference in CD interest rates adds up over the full term.
Open calculatorWithdrawals
Planning & Projections
Retirement Planner for Two Spouses
Project the combined retirement nest egg for two working spouses with separate savings and contributions.
Open calculatorRetirement Shortfall Calculator
See whether your current savings plan will reach your retirement goal — and the gap if it falls short.
Open calculatorRetirement Planner Calculator
See whether your retirement savings are on track to fund the income you will need.
Open calculatorHow Long Will Retirement Savings Last?
Estimate how many years your retirement savings will last with inflation-adjusted withdrawals.
Open calculatorRetirement Income Calculator
See the level monthly income your retirement savings can provide over a set number of years.
Open calculator401(k), IRA & Roth
Should I Borrow From My 401(k)?
Estimate the true cost of a 401(k)/403(b) loan by comparing lost investment growth against your repayments.
Open calculator401(k) / 403(b) / 457 Calculator
Project your workplace retirement plan balance with contributions and employer match.
Open calculatorRoth vs. Traditional Calculator
Compare a Roth (after-tax) account against a Traditional (pre-tax) account at retirement.
Open calculatorRoth IRA Calculator
See the tax-free growth advantage of a Roth IRA over an ordinary taxable account.
Open calculatorRoth Conversion Calculator
Compare converting a Traditional IRA/401(k) to a Roth now against leaving it pre-tax.
Open calculatorTraditional IRA Calculator
Project the tax-deferred growth of a Traditional IRA and see its after-tax value at retirement.
Open calculatorSolo 401(k) Calculator
Project an Individual (Solo) 401(k) for the self-employed, combining employee deferrals with an employer profit-sharing contribution.
Open calculator403(b) Savings Calculator
Project a 403(b) plan for teachers and nonprofit employees, with employer match and the optional 15-year service catch-up.
Open calculator457(b) Plan Calculator
Project a governmental 457(b) deferred-compensation plan, with the optional special "final 3 years" catch-up.
Open calculatorWithdrawals & RMDs
Company Stock Distribution (NUA) Calculator
Compare the tax on a Net Unrealized Appreciation (NUA) stock distribution against rolling employer stock into an IRA.
Open calculatorInherited IRA RMD Calculator
Estimate the required minimum distribution from an inherited IRA using the IRS Single Life Expectancy Table.
Open calculatorRequired Minimum Distribution (RMD) Calculator
Estimate the minimum you must withdraw from a retirement account this year.
Open calculatorEarly Withdrawal Cost Calculator
See the real cost of withdrawing from a retirement account early — taxes, penalty and lost growth.
Open calculator72(t) SEPP Calculator
Estimate penalty-free early retirement withdrawals using 72(t) substantially equal periodic payments.
Open calculatorGross Distribution Calculator
Find the gross retirement-account withdrawal needed to net a target amount after taxes and any early-withdrawal penalty.
Open calculatorRMD - Year To Begin Calculator
Find the age and year you must begin required minimum distributions (RMDs) under the SECURE 2.0 rules.
Open calculatorPension & Social Security
Social Security Benefit Calculator
Estimate your monthly Social Security benefit from your average indexed monthly earnings and the age you claim.
Open calculatorPension vs. Lump Sum Calculator
Compare a monthly pension against taking a lump sum you invest yourself.
Open calculatorContribution Effect on Your Paycheck
See how raising your pre-tax retirement contribution changes your take-home pay.
Open calculatorHow Important Is Social Security?
See how much extra you would need to save to replace some or all of your Social Security.
Open calculatorIncome Tax
Paycheck & Payroll
Take-Home Paycheck Calculator
Estimate your net paycheck after federal income tax, FICA, and pre-tax deductions.
Open calculatorNet to Gross Paycheck Calculator
Find the gross salary needed to take home a specific net amount after taxes.
Open calculatorHourly Paycheck Calculator
Estimate your take-home pay per paycheck from an hourly wage, including overtime and federal withholding.
Open calculatorDeductions & Credits
Earned Income Credit (EIC) Calculator
Estimate your 2026 Earned Income Tax Credit based on your income, filing status, and number of qualifying children.
Open calculatorClergy Housing Allowance Calculator
Find the housing allowance a minister can exclude from income — the least of the amount designated, actual expenses, or fair rental value.
Open calculatorCharitable Giving Tax Savings Calculator
Estimate the income-tax savings and net cost of a tax-deductible charitable gift.
Open calculatorFSA Tax Savings Calculator
See how much a pre-tax Flexible Spending Account contribution saves you in taxes.
Open calculatorTaxable Social Security Benefits Calculator
Find how much of your Social Security benefits may be subject to federal income tax.
Open calculatorSelf-Employment & Estate
Life & Disability
Life Insurance Calculator
Estimate how much life insurance coverage your family would need to stay financially secure.
Open calculatorHuman Life Value Calculator
Estimate the present value of your future earnings — a measure of your economic value to your family.
Open calculatorDisability Insurance Calculator
Estimate the monthly disability benefit you need to replace income if you cannot work.
Open calculatorHealth Savings (HSA)
HSA vs. Traditional Health Plan
Compare the total yearly cost of an HSA-qualified high-deductible plan against a traditional health plan.
Open calculatorHSA Savings Calculator
Project the future value of your Health Savings Account with tax-advantaged growth.
Open calculatorHSA Contribution Calculator
Find your maximum HSA contribution for the year, including the age-55 catch-up.
Open calculatorAnnuities
Variable Annuity Calculator
Project the accumulated value of a variable annuity after sub-account returns, annual fees and any surrender charge.
Open calculatorImmediate Annuity Calculator
Estimate the monthly income a lump-sum immediate annuity can provide over a payout period.
Open calculatorFixed Annuity Calculator
Project the tax-deferred future value of a fixed annuity from a premium plus ongoing contributions.
Open calculatorLong-Term Care
Growth & Returns
Future Value Calculator
Project the future value of a lump sum plus optional periodic deposits at a chosen compounding frequency.
Open calculatorPresent Value Calculator
Find how much you need to invest today to reach a future target amount.
Open calculatorAnnual Rate of Return Calculator
Find the annualized rate of return an investment earned between its starting and ending value.
Open calculatorInternal Rate of Return (IRR) Calculator
Find the annual internal rate of return on an investment with an up-front cost and recurring cash flows.
Open calculatorInvestment Loss Recovery Calculator
See the gain you need and how long it will take to recover an investment back to its original value.
Open calculatorStocks, Bonds & Funds
Market Value of Bonds Calculator
Estimate what a bond is worth today based on its coupon, the current market rate, and time to maturity.
Open calculatorStock Option Calculator
Estimate the future value and gain of employee stock options at a projected share price.
Open calculatorMutual Fund Fees Calculator
See how much fund expense ratios and fees cost you over time by reducing your compounded return.
Open calculatorAsset Allocation Calculator
Get a suggested mix of stocks, bonds and cash based on your risk tolerance and time horizon.
Open calculatorTax-Smart Investing
Taxable vs. Tax-Deferred Calculator
Compare the after-tax growth of a taxable account against a tax-deferred account over time.
Open calculatorMunicipal Bond Tax-Equivalent Yield
Convert a tax-free municipal bond yield into the taxable yield it equals for your tax bracket.
Open calculatorREIT Tax-Equivalent Distribution
See the after-tax and taxable-equivalent yield of a REIT distribution after the 20% pass-through (QBI) deduction.
Open calculator1031 Like-Kind Exchange Calculator
Estimate the deferred gain, recognized (taxable) gain, and tax saved in a 1031 like-kind property exchange.
Open calculatorTaxable vs. Tax-Deferred vs. Tax-Free Calculator
Compare the after-tax growth of a taxable, a tax-deferred, and a tax-free (Roth) account side by side.
Open calculator1031 Exchange Timeline Calculator
Find your 45-day identification and 180-day completion deadlines for a 1031 like-kind exchange.
Open calculatorReal Estate Investing
Investment Property ROI Calculator
Cash flow, cash-on-cash return and cap rate for a rental property purchase.
Open calculatorDSCR Loan Calculator
Debt-service coverage ratio for a rental property — the key number DSCR lenders use.
Open calculatorBank Statement Loan Calculator
Qualifying income from bank deposits for self-employed borrowers, and the payment it supports.
Open calculatorSelf-Employed Income Calculator
Qualifying income for a self-employed borrower, averaged over two years of tax returns.
Open calculatorAgent & Closing Tools
Financing & Equipment
Analysis & Valuation
Financial Ratios Calculator
Calculate key liquidity, leverage and profitability ratios from your balance sheet and income statement.
Open calculatorContribution Margin & Break-Even Calculator
Use cost-volume-profit analysis to find your break-even point and the units needed to hit a target profit.
Open calculatorInstallment Sale Repossession Calculator
Estimate the taxable gain when you repossess real property you sold on an installment basis (IRC §1038).
Open calculatorBreak-Even Calculator
How many units and how much revenue you need to cover your fixed and variable costs.
Open calculatorProfit Margin Calculator
Gross, operating and net profit margins plus markup on cost from your revenue and expenses.
Open calculatorBusiness Valuation Calculator
A quick earnings-multiple estimate of what a small business is worth, with a low–high range.
Open calculatorBusiness ROI Calculator
Return on investment, total return and payback period for a business investment.
Open calculatorCash Flow & Operations
Inventory Analysis Calculator
Measure how efficiently you manage inventory with turnover ratio and days inventory on hand.
Open calculatorWorking Capital Calculator
Your working capital and current ratio — the short-term liquidity lenders and investors check.
Open calculatorCash Flow Budget Calculator
Net monthly and annual cash flow from your business inflows and outflows.
Open calculatorNet Worth & Independence
Net Worth Calculator
Add up what you own and subtract what you owe to find your true net worth.
Open calculatorSavings Rate Calculator
What percentage of your income you save — and the nest egg that supports your spending.
Open calculatorFinancial Independence (FIRE) Calculator
Your FIRE number (25× expenses) and how many years until your savings get you there.
Open calculatorBudget & Income
Checkbook Balancer
Reconcile your checkbook register against your bank statement to find any difference.
Open calculatorShould My Spouse Work? Calculator
Estimate the real take-home benefit of a second income after taxes, childcare and work-related costs.
Open calculatorBudget Planner Calculator
See your monthly surplus or deficit, savings rate and annual savings from a simple budget.
Open calculatorHourly to Salary Calculator
Convert an hourly wage into annual, monthly, biweekly and weekly pay.
Open calculatorMoney Concepts
Credit Score Assessment
Get an educational estimate of your credit score band based on the factors lenders weigh most.
Open calculatorLife Expectancy Calculator
Get an educational estimate of life expectancy to help with retirement and insurance planning.
Open calculatorRule of 72 Calculator
How many years it takes your money to double at a given rate — and what it grows to.
Open calculatorInflation Impact Calculator
What something will cost in the future, and how much purchasing power a sum loses to inflation.
Open calculator