Finance calculators

Project your 401(k) at retirement from salary, contribution rate, employer match and growth within the 2026 IRS deferral limit, and see the employer's share.

Build a full amortization schedule for any loan — monthly and yearly tables, principal vs interest split, and a lookup of any single payment's breakdown.

Solve the present value, future value or payment of a level annuity — ordinary or due — from rate and periods, with the time-value-of-money formulas shown.

Turn a lump sum into income: the payment a fixed term or a lifetime supports, the total paid, and — for a chosen payment — exactly how long the balance lasts.

Convert a loan's interest rate plus fees and points into the true APR, see the total finance charge, and how the effective rate jumps if you pay the loan off early.

Convert a nominal interest rate into annual percentage yield and back, at any compounding frequency — plus the APY-vs-APR distinction people get wrong.

Estimate your monthly car payment from the price, down payment, trade-in, sales tax and fees, and see the total interest and true cost of the vehicle.

Compare monthly payments with true biweekly half-payments (26 a year = 13 monthly payments) and see the interest saved and years cut from your mortgage.

Monthly payment and total interest on a 10–20 year marine loan, with an optional balloon at the end and the fees rolled into the amount financed.

Price a bond from its yield, or find yield to maturity from a price — with current yield, total coupon income, duration and the full cash-flow table.

Monthly surplus or deficit, every category as a share of take-home pay, and a per-category verdict against the 50/30/20 rule with the fix named.

Payment, true cost and debt-service coverage on a commercial or SBA loan — including guarantee fees and a compensating balance the bank makes you leave on deposit.

Canadian mortgage payments on the semi-annual compounding convention, with minimum down payment by price band, CMHC premiums and the stress test.

Project what a car will be worth after any number of years, how much value it loses each year, and how big the first-year cliff really is.

Calculate a car lease payment from price, residual value and money factor, split into depreciation, finance charge and tax, with the total cost of the lease.

Take the manufacturer rebate and finance elsewhere, or take the subsidised 0–2% rate? Compares both over the same term and gives the break-even market rate.

Find what a CD pays at maturity from its APY or its rate and compounding, with interest earned, the APY-to-rate conversion and a month-by-month balance.

Project what a degree will cost by the time your child enrols, what your savings will be worth, and the monthly contribution that closes the gap.

See how a lump sum plus regular deposits grows with daily, monthly, quarterly or annual compounding — with a year-by-year table, chart and inflation adjustment.

How long to pay off a credit card at a fixed monthly payment, or the payment needed to clear it by a target month, with total interest and a monthly table.

Compare up to four debts against one consolidation loan — new payment, total interest each way, and an honest verdict on whether a longer term wipes out the savings.

Plan a debt-free date across up to four debts with the avalanche or snowball method, see the payoff order, total interest, and how much the other method would cost.

Front-end and back-end DTI scored against the real conventional, FHA and VA underwriting limits, with the debt to clear to reach your target ratio.

Project dividend income year by year from yield, dividend growth, price growth, reinvestment (DRIP) and contributions — with portfolio value and yield on cost.

Dividend yield, yield on cost, payout ratio, dividend cover and free-cash-flow payout — the four numbers that say whether a yield is safe or a warning.

Turn a home price into the down payment, loan amount, loan-to-value and estimated PMI at any percentage, with a side-by-side of 3.5%, 5%, 10%, 15% and 20% down.

Work out how big your emergency fund should be from your essential monthly expenses, then how many months of saving it takes to get there.

Federal estate tax at the 2026 $15 million exclusion and 40% top rate, with portability of a spouse's unused exclusion and the $19,000 annual gift exclusion.

FHA payment with the 1.75% upfront MIP financed into the loan, the correct annual MIP rate from HUD's table, and whether MIP ever falls off.

The time-value-of-money solver: give any four of present value, future value, payment, term and rate, and it solves for the fifth — with sign conventions explained.

Find your FIRE number from annual spending and a safe withdrawal rate, then the years and age at which your savings and real returns get you there, charted.

What a lump sum plus regular contributions grows to at a given rate — split into the part that came from you and the part that came from compounding.

Nominal and real GDP by the expenditure approach, the GDP deflator, per-capita figures and growth rates — with the BEA definition and what GDP leaves out.

Add or remove goods and services tax at the official rate for Australia, New Zealand, Singapore, India, Canada by province, the UK — or type your own rate.

How much you can draw on a home equity line, the interest-only payment during the draw period, and the payment shock when the repayment period starts.

Find the most expensive home you can afford from your income, debts and down payment using the 28/36 rule, with taxes, insurance, HOA and PMI all counted.

Find how much home equity you can borrow at your lender's combined loan-to-value limit, plus the monthly payment and total interest on the amount you want.

Project a health savings account to retirement using the IRS 2026 contribution limits, and price the triple tax advantage against a taxable account.

Estimate 2026 or 2025 federal and state income tax from gross or taxable income and filing status — real brackets for all 50 states and DC, with sources.

See what money from one year is worth in another at a chosen average inflation rate — cumulative inflation, purchasing power lost, and a year-by-year table.

Interest on a deposit plus regular contributions, with any compounding frequency — and what's left after tax on the interest and after inflation, year by year.

Work backwards from a loan amount, a monthly payment and a term to the interest rate you are actually being charged — and see how that differs from APR.

Project investment growth with monthly contributions, annual raises, fund expense ratios and inflation — with a yearly split of what you invested vs. earned.

Traditional versus Roth IRA side by side, with the 2026 contribution limit, the deduction and income phase-outs, and your marginal rate now against later.

Internal rate of return for up to 10 cash flows, solved by bisection — plus NPV at your discount rate, the NPV profile, and a warning when multiple IRRs exist.

Compare the true cost of leasing and financing the same car over the years you'll keep it, including mileage overage, the loan balance and resale value.

Work out the payment on any amortizing loan — personal, auto or business — with total interest, payoff date, extra payments, and a full amortization schedule.

Compare filing jointly against two single returns on the same combined income, to see whether marriage costs you a penalty or hands you a bonus.

Estimate your monthly mortgage payment with taxes, insurance, PMI and HOA, see the full amortization schedule, and find out how extra payments shorten your loan.

See how extra monthly, one-time or annual payments change your mortgage payoff date, how many years you cut off, and how much interest you save.

See the new payment after a lump-sum mortgage recast, the interest it saves, and how recasting compares with just prepaying and keeping the same payment.

Add up everything you own and everything you owe to get your net worth, home equity, liquid assets and debt-to-asset ratio, with the split charted.

How long an investment takes to repay itself, with fractional-year interpolation — plus the discounted payback period and a year-by-year cumulative table.

Estimate take-home pay with the 2026 IRS Pub. 15-T withholding tables, Social Security, Medicare, real tax brackets for all 50 states, 401(k) and health premiums.

Two questions, one calculator: the monthly payment on a loan of a given term, or how long a fixed payment takes to clear the balance — with the schedule shown.

Annual and monthly pension from years of service, final average salary and a multiplier, plus the survivor option and the lump-sum equivalent.

Monthly payment, total interest and the true APR on an unsecured personal loan — including the origination fee that lenders take out of the money you receive.

What a future lump sum and a stream of payments are worth today at a given discount rate — with the discount factor, the annuity value and a period-by-period table.

Is refinancing worth it? Monthly savings, break-even on closing costs and lifetime interest, including the catch when a new 30-year term restarts the clock.

How much rent you can afford under the landlord's 3x-income rule, the 30%-of-gross rule and a debt-aware limit — and the income a target apartment requires.

Compare the true cost of buying vs renting over the years you'll stay: mortgage, taxes, maintenance, appreciation, selling costs and the renter's invested cash.

Monthly cash flow, cap rate, cash-on-cash return, gross rent multiplier and the 1% rule for a rental property — with vacancy, management and maintenance priced in.

Project savings at retirement, the inflation-adjusted income they can sustain, the shortfall vs. your spending goal, and the extra monthly saving to close it.

Required minimum distribution from the IRS Uniform Lifetime Table, with the beginning age under SECURE 2.0, the tax due and the 25% penalty for missing one.

Budget a whole road trip: fuel, lodging, food, tolls and vehicle wear, split per person, with the cost broken down by category.

Project a Roth IRA's tax-free balance and compare it, for the same take-home cost, with a traditional IRA taxed on withdrawal at your rates now and later.

Estimate years to double at a given rate (or the rate to double in a given time), compared with the exact logarithmic answer and the approximation error.

Convert pay between hourly, daily, weekly, biweekly, semimonthly, monthly and annual figures using your real hours per week and weeks worked per year.

Add sales tax to a price or back the tax out of a total you've paid, at any combined state and local rate — with the tax amount and the arithmetic shown.

Find the monthly deposit that hits your savings target on time given what you have and the interest you'll earn — and how long a different amount would take.

Simple interest and total repaid for any principal, rate and time in years, months or days — with the I = P × r × t working shown and a compound comparison.

Estimate your Social Security benefit from AIME with the 90/32/15 bend-point formula, your full retirement age, and the early or delayed adjustment.

Stamp Duty Land Tax for England and Northern Ireland at the rates from 1 April 2025, with first-time buyer relief, the 5% surcharge and a band-by-band table.

Average cost basis across up to five purchases, in shares or dollars, with the current gain or loss, the break-even price and what averaging down really does.

Estimate your student loan payment under the 10-year Standard, 25-year Extended or a custom term, with total interest, payoff date, and the effect of paying extra.

Estimate your federal and state tax refund — or what you'll owe — by comparing the tax on your income with what was withheld from your paychecks.

Repayment or interest-only mortgage payments in pounds, with Stamp Duty Land Tax as its own line, your lender LTV band, and the cash needed on completion day.

Net pay after UK income tax and National Insurance for 2026/27, including the allowance taper above £100,000 that creates a 62% marginal rate. Not Scotland.

VA loan payment with no down payment and no mortgage insurance — plus the funding fee from VA's own table, by down payment, loan type and first or subsequent use.