Finance Calculators
Work out payments, interest, savings and returns with clear formulas and full schedules. Results are estimates; check the details with your lender or a qualified adviser.
76 calculators · Formulas shown · Free
Mortgage & real estate 17
Mortgage Calculator Monthly payment with tax, insurance, PMI and HOA, plus a yearly schedule. House Affordability Calculator Maximum home price and loan from income, debts and DTI limits. Refinance Calculator New payment, monthly saving, break-even and lifetime cost of a refinance. Mortgage Payoff Calculator New payoff date, months saved and interest saved from extra payments. Mortgage Amortization Calculator Month-by-month schedule with principal, interest, extras and balance. Rent vs Buy Calculator Net cost of renting vs buying, the break-even year and a yearly table. Down Payment Calculator Down payment plus closing costs, or the price your savings cover. FHA Loan Calculator FHA payment with upfront and annual MIP from HUD’s current table. VA Mortgage Calculator VA loan payment with the funding fee by use and down payment. Home Equity Loan Calculator Borrowable equity at your lender’s CLTV, plus payment and interest. HELOC Calculator Interest-only and repayment-period payments plus total interest. UK Mortgage Calculator Repayment or interest-only payments in £, with a fixed deal and SVR. Canadian Mortgage Calculator Semi-annual compounding, six payment frequencies and CMHC premiums. Rent Calculator Affordable rent range from income, debts and the 30% rule of thumb. Debt-to-Income Ratio Calculator Front-end and back-end DTI with room under your limit. Rental Property Calculator NOI, cap rate, cash flow, cash-on-cash return and IRR for a rental. Real Estate Calculator Equity, net sale proceeds, cost of ownership and ROI on a home.
Loans, leases & debt 16
Loan Calculator Payment, total interest and yearly schedule for any fixed-rate loan. Auto Loan Calculator Car payment with tax, fees, down payment and trade-in equity. Amortization Calculator Monthly or yearly loan schedule with extra-payment savings. Payment Calculator Monthly payment for a term, or time to repay with a fixed payment. Personal Loan Calculator Payment, APR with origination fee, cash received and total cost. Credit Card Calculator Months to pay off a card and total interest, fixed or minimum payment. Student Loan Calculator Payments on standard or tiered plans, with grace interest and extra payments. Debt Payoff Calculator Payoff date and interest saved by paying extra on one debt. Debt Consolidation Calculator Up to six debts vs one consolidation loan: payment, APR and total cost. Credit Cards Payoff Calculator Several cards, one budget: avalanche vs snowball order, time and interest. Business Loan Calculator Monthly, bi-weekly or weekly payments with fees, net proceeds and APR. Repayment Calculator Months to repay with a set payment, or the payment for a deadline. Boat Loan Calculator Boat payment for terms up to 20 years, with tax, trade-in and running costs. Auto Lease Calculator Car lease payment from residual, money factor, fees and sales tax. Cash Back or Low Interest Calculator Car rebate vs low promotional APR: which deal costs less. Lease Calculator Lease payment or implied rate, with payments in advance or arrears.
Interest & savings 12
Compound Interest Calculator Future value, principal, rate or time with any compounding, plus APY. Interest Calculator Balance, interest, tax and inflation-adjusted value with regular deposits. Savings Calculator Future balance, time to a goal, or the monthly deposit a goal needs. Inflation Calculator US dollars between years with CPI-U data, or future prices at an assumed rate. Simple Interest Calculator Interest, principal, rate or time from I = P × r × t. Finance Calculator TVM solver for N, I/Y, PV, PMT and FV, like a financial calculator. APR Calculator Annual percentage rate of a loan once fees are included. Interest Rate Calculator The interest rate implied by a loan amount, payment and term. CD Calculator Maturity value and interest of a CD from its APY or rate and term. Present Value Calculator What a future lump sum or stream of payments is worth today. Future Value Calculator Future value of a lump sum and regular payments at any rate. Currency Calculator Convert currencies at live ECB reference rates and check bank margins.
Retirement & investing 17
Retirement Calculator Projected savings, how long they last, the shortfall and the extra saving needed. 401(k) Calculator Balance at retirement with employer match and the 2026 IRS limits and catch-ups. Investment Calculator End balance, contribution needed or return needed, at an assumed return. Social Security Calculator Benefit at each claiming age from 62 to 70, full retirement age and break-even ages. Roth IRA Calculator Roth IRA growth vs a taxable account, with 2026 limits and income ranges. IRA Calculator Traditional IRA vs a taxable account after tax, with 2026 deduction limits. RMD Calculator Required minimum distribution from the IRS table, starting age and future RMDs. Annuity Calculator Future value of regular payments, as an ordinary annuity or an annuity due. Annuity Payout Calculator Payout from a lump sum over a set term, or how long a chosen payout will last. Mutual Fund Calculator Ending value with and without expense ratio and load, and the total fees paid. Average Return Calculator Arithmetic vs geometric mean of returns, and CAGR from two values. Bond Calculator Bond price or yield to maturity, current yield, duration and convexity. Pension Calculator Pension from the plan formula, or lump sum vs monthly pension with break-even age. College Cost Calculator Future college cost, the savings gap and the monthly saving needed to close it. ROI Calculator ROI %, gain and annualized return from amount in, amount out and time. IRR Calculator IRR, NPV, MIRR and payback period from a list of cash flows. Payback Period Calculator Payback and discounted payback, with NPV and IRR, from yearly cash flows.
Tax, income & business 14
Income Tax Calculator 2026 federal income tax by bracket, with deductions, child tax credit and tax rates. Salary Calculator Convert hourly, weekly, monthly and annual pay, with unpaid days off. Take-Home Paycheck Calculator Net pay per paycheck after 2026 federal withholding, FICA and deductions. Budget Calculator Spending, money left over and savings rate, compared with 50/30/20. Marriage Tax Calculator Marriage penalty or bonus: two single returns versus filing jointly in 2026. Estate Tax Calculator Federal estate tax for 2026 deaths, with the $15 million exclusion and gifts. Sales Tax Calculator Tax and total from a price, or the pre-tax price from a total. VAT Calculator Add or remove VAT at UK, EU or custom rates. Commission Calculator Flat or tiered commission, the rate behind a payout, or sales for a target. Margin Calculator Gross margin, markup and profit, or the price for a target margin. Discount Calculator Sale price and savings for percentage, fixed and stacked discounts. Percent Off Calculator Price after X% off and your savings, with common discounts listed. Depreciation Calculator Yearly depreciation by straight-line, declining balance, SYD, units or MACRS. GDP Calculator GDP from C + I + G + net exports, with real GDP, per person and growth.
Getting the most from the financial calculators
- Use the rate you are actually quoted. Advertised rates often assume excellent credit; your offer may differ.
- Compare total cost, not just the monthly payment. A longer term lowers the payment but usually raises the total interest a lot.
- Look at the schedule. Amortization tables show how much of each payment goes to interest, and how extra payments shorten a loan.
- Check fees. The APR folds up-front fees into the rate, which makes offers easier to compare.
These calculators give estimates for planning and comparison. They are not financial, tax or legal advice. Confirm figures with your lender, and talk to a qualified adviser before making major decisions.