Money calculators

A loan payment or a retirement projection is only as good as the assumptions underneath it: the compounding schedule, whether payments fall at the start or end of a period, and which fees are counted. Each money calculator here prints those assumptions next to its result, so two figures can be compared on the same footing.

Use these tools to estimate, plan, and weigh one option against another. A lender, broker, or tax office may round differently or add charges that are not modeled here, so check any figure you plan to act on with the provider before you sign.

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401(k) CalculatorProject a 401(k) balance at retirement from your salary, contribution rate, employer match, raises and an assumed investment return.
Amortization Schedule CalculatorSee where every payment on a fixed-rate loan goes, payment by payment or by year, with dates, interest paid so far and your payoff date.
Auto Loan CalculatorFind your monthly car payment, with your down payment, trade-in, tax and fees, and see how a shorter or longer loan changes it.
Compound Interest CalculatorSee how your savings grow when interest earns interest, with optional monthly deposits and a year-by-year balance table.
Credit Card Payoff CalculatorFind out how long it takes to pay off your credit card, or what to pay each month to be debt-free by a set date.
Discount CalculatorFind the sale price and savings for a percent-off discount, including a second discount stacked on top.
FHA Loan CalculatorSee your monthly FHA mortgage payment, with the 1.75% upfront fee, the yearly mortgage insurance from HUD's current table, tax and insurance.
Gas Cost CalculatorEstimate the gas cost of a trip from distance, fuel economy and fuel price, with round-trip, split-the-cost and mpg or L/100 km options.
Home Affordability CalculatorSee how much house you can afford from your income, debts and down payment, with the monthly payment and a side-by-side look at common lender limits.
Income Tax CalculatorEstimate your 2026 federal income tax, your tax bracket, your overall tax rate and your likely refund or amount owed.
Inflation CalculatorSee what money from any year since 1913 is worth in another year, using US price data, or guess future costs at a rate you pick.
Investment CalculatorSee how much your investments could grow to, or find the monthly or yearly amount, the return or the number of years you need to reach your goal.
Loan Payment CalculatorFind your monthly payment on a fixed-rate loan, plus the total interest, the total cost and a table showing how the balance falls each year.
Mortgage CalculatorEstimate your full monthly mortgage payment with property tax, insurance, PMI and HOA, plus total interest, a yearly amortization schedule and the payoff date.
Overtime CalculatorFind your pay for a week with overtime at time and a half or double time, plus your overtime rate and a yearly total.
Paycheck CalculatorSee your take-home pay per paycheck from a salary or hourly wage under 2026 federal tax rules, with pre-tax deductions and an optional state rate.
Refinance CalculatorSee if refinancing your mortgage pays off: your monthly savings, the month closing costs are paid back, the change in interest and a yearly savings table.
Retirement CalculatorSee whether your savings plan can pay for the retirement income you want, how long the money lasts, and how much more to save if you fall short.
RMD CalculatorFind the least you must take out of your IRA or 401(k) this year, when it's due, and the age these withdrawals start.
Roth IRA CalculatorFind how much you can put in a Roth IRA for 2026 at your income, and see how much tax-free growth it could build by the time you retire.
Salary to Hourly CalculatorTurn your pay into hourly, daily, weekly, biweekly, semimonthly, monthly and yearly amounts, using your own hours and weeks.
Sales Tax CalculatorAdd sales tax to a price, take it back out of a total to find the price before tax, or find the rate charged on a receipt.
Savings CalculatorSee how a savings account grows from a starting deposit and regular weekly, biweekly, monthly or yearly deposits at your bank's APY.
Simple Interest CalculatorSee how much interest a loan or deposit earns with simple interest, I = P × r × t, over years, months or days, and how compounding would compare.
Social Security CalculatorSee your monthly Social Security check at any age from 62 to 70, find your full retirement age, and learn when waiting starts to pay off.
Tip CalculatorWork out the tip and total for a bill, split it between any number of people, and optionally round each share up.
VA Loan CalculatorFind your monthly VA home loan payment, with the current VA funding fee for buying or refinancing, first or later use, and no monthly mortgage insurance.
50/30/20 Budget CalculatorSee how to split your take-home pay into needs, wants and savings with the 50/30/20 rule, and how that compares with what you spend now.
Annuity CalculatorFind what a series of equal payments grows to, what it's worth today, or the steady payout a lump sum can support. Payments can come at the start or end of each period.
APR CalculatorSee the true yearly rate of a loan (its APR) once upfront fees are counted, plus the monthly payment and the total finance charge.
Bonus Tax CalculatorEstimate how much of a bonus you take home after 2026 federal withholding, by the flat 22% method or added to a paycheck, plus Social Security, Medicare and state tax.
Break-Even CalculatorFind how many sales it takes to cover your costs, in units and in dollars. Add a profit goal to see the sales you need to reach it.
CAGR CalculatorFind the compound annual growth rate: the steady yearly rate that turns a beginning value into an ending value over a set number of years.
Capital Gains Tax CalculatorEstimate 2026 federal tax on selling stock, funds or other assets: long-term 0/15/20% rates or short-term ordinary rates, plus the 3.8% NIIT.
Car Lease CalculatorFind your monthly car lease payment from the price, residual value, money factor or APR, term and sales tax, with the depreciation and finance fees shown.
CD CalculatorFind what a certificate of deposit will be worth at maturity, the interest it earns and its APY, from the deposit, rate, term and compounding.
Commission CalculatorSee how much commission your sales earn at one flat rate or across up to three tiers, or find the sales you need to hit a target.
Credit Card Interest CalculatorWork out the interest a card charges in one billing cycle, or how long and how much it costs to pay off a balance with minimum payments only.
Credit Utilization CalculatorSee how much of your credit card limits you're using, card by card and overall, and how much to pay down to reach your goal.
Debt Snowball CalculatorMake a plan to pay off up to four debts, and see how long it takes and how much interest you'd pay with the snowball or avalanche method.
Debt-to-Income Ratio CalculatorSee what share of your income goes to debt payments, for housing alone and for all your debts, and how that compares with common lending guidelines.
Down Payment CalculatorWork out a home's down payment, price and loan amount from any two of them, and plan how much to save each month to get there.
Emergency Fund CalculatorFind out how much emergency savings you need, how long your savings would last now, and how long it will take to reach your goal.
Estimated Tax CalculatorWork out your 2026 quarterly estimated tax payments from self-employment and other income, using the IRS safe harbors and the four due dates.
Extra Payment CalculatorSee how an extra monthly payment, a one-time lump sum or both shorten your loan and cut the interest you pay.
Financial CalculatorA time-value-of-money keypad: enter any four of N, I/Y, PV, PMT and FV, press CPT and the fifth, with payments and compounding per year and BGN/END.
Future Value CalculatorSee what your money will grow to: a starting amount, plus any regular payments, at an interest rate and number of periods per year you choose.
Markup CalculatorSet a selling price from what something cost you and a markup percent, or find the markup from a cost and a price, with the matching margin.
MPG CalculatorFind your real gas mileage from the distance you drove and the fuel you used. See it in mpg (US and UK), L/100 km and km/L.
Net Worth CalculatorAdd up what you own and what you owe to see your net worth. You also get your liquid net worth, home equity and debt-to-asset ratio.
Pay Raise CalculatorFind your new salary or hourly rate after a percentage or dollar raise, or the raise percentage from your old and new pay, with the change per paycheck.
Present Value CalculatorFind what money you'll get in the future is worth today. Works for a single future amount, a series of equal payments, or both, at a rate you choose.
Price per Square Foot CalculatorSee what a home or space costs for each square foot and square meter, or turn a price per square foot into a total.
Profit Margin CalculatorSee how much profit you keep from each sale, as dollars and as a margin percent. Or find the price to charge to hit the margin you want.
Property Tax CalculatorSee what a home's property tax will be each year and each month, from its value, any exemptions and your local tax rate in percent or mills.
Rent Affordability CalculatorFind out how much rent you can afford on your income and debts, using the 30% guideline and a debt-to-income cap, and whether you'd pass a landlord's 3× income test.
ROI CalculatorMeasure the total return on an investment and its annualized return over a holding period in years or between two dates.
Savings Goal CalculatorFind out how much to save each month to get from what you have today to your target amount by the date you choose.
Self-Employment Tax CalculatorSee how much self-employment tax you'll owe for 2026 as a freelancer or business owner, with the Social Security and Medicare parts, your deduction and quarterly amounts.
Unit Price CalculatorCompare up to four products by price per ounce, pound, liter or item to find the best value and how much cheaper it is.
Adjustable-Rate Mortgage CalculatorSee how an adjustable-rate mortgage payment could change at each rate reset, under the rates you assume, and the worst case the caps allow.
APY CalculatorSee what a savings rate really earns in a year (its APY) once interest earns interest, or turn an APY back into the stated rate.
Balloon Payment CalculatorFind the lump sum you'll still owe at the end of a balloon loan, plus the regular monthly payment and the total interest.
Biweekly Payment CalculatorSee how paying half your monthly loan payment every two weeks shortens the loan, and how much interest it saves compared with paying monthly.
Bond Price CalculatorFind what a bond is worth by valuing its interest payments and face value at the yield you want. Or find the yield to maturity from a quoted price.
Cap Rate CalculatorWork out a rental property's yearly profit before loan payments (its net operating income) and its cap rate, from value, rent, vacancy and costs.
CAPM CalculatorEstimate the return to expect from an investment with the capital asset pricing model (CAPM), from the risk-free rate, its beta and the expected market return.
Car Affordability CalculatorSee what car price you can afford from your monthly payment budget, loan rate and term, down payment, trade-in, sales tax and fees.
Car Depreciation CalculatorEstimate what a car will be worth after a number of years, using depreciation rates you choose. Or find the yearly rate from a known value.
Cash-on-Cash Return CalculatorSee how much cash a rental property pays you back each year, before taxes, for every dollar you put in, after running costs and loan payments.
Closing Costs CalculatorAdd up the fees on a home purchase, from lender charges to title, transfer taxes and prepaids. Find the total cash you need at closing.
College Savings CalculatorSee what college may cost when your child starts, and how much to save each month to cover it. It counts your savings so far and the return you expect.
Cost Per Use CalculatorSpread an item's price, upkeep and resale value over every time you'll use it, and compare a pricier, longer-lasting option with a cheaper one.
Current Ratio CalculatorSee whether a business can pay its bills for the next year, with the current ratio and working capital, plus the quick and cash ratios.
Debt Consolidation CalculatorSee if rolling your debts into one loan saves money. Compare the monthly payment, payoff time and total interest, with the loan fee counted.
Debt-to-Equity Ratio CalculatorSee how much a company owes for every dollar its owners have in it, plus its debt-to-assets ratio and equity multiplier.
Depreciation CalculatorBuild a full depreciation schedule by straight line, declining balance, sum-of-years' digits or units of production, with the running total and book value.
Dimensional Weight CalculatorFind a parcel's dimensional (volumetric) weight from its size and a carrier divisor, and the billable weight a shipper would charge you for.
Dividend Reinvestment CalculatorProject how a stock or fund grows when every dividend buys more shares, and compare it with taking the dividends as cash.
Dividend Yield CalculatorSee how much cash a stock pays you each year for its price, and what your shares earn per year, per month and per payment.
Dollar Cost Averaging CalculatorSee the shares you buy, your average cost per share and your gain when you invest a fixed amount at changing prices. You can also average purchases of different sizes.
EBITDA CalculatorFind a business's EBITDA and EBIT, two common measures of operating profit, from net income or operating income. Add revenue to see the margins too.
EPS CalculatorFind a company's earnings per share from net income, preferred dividends and the average share count, with an optional simplified diluted EPS.
EV vs Gas Cost CalculatorSee what an electric car and a gas car would each cost you to run every year, from your mileage, fuel economy, gas price and electricity rates.
Financial Independence CalculatorFind how much you need invested to cover your yearly spending, and how many years of saving it will take to get there.
Freelance Rate CalculatorFind the lowest hourly and day rate that covers the income you want to keep, your business costs, tax and the weeks you won't be billing.
Fuel Tank Range CalculatorEstimate how far you can drive on the fuel left in your tank, from the gauge or the amount and your fuel economy. See if a trip will fit.
Home Equity CalculatorFind your home equity, your loan-to-value and how much you could borrow against your home, then the payment on a fixed loan or a line of credit.
Hours of Work Cost CalculatorTurn any price into the hours, days and weeks of work it takes to pay for it, based on your take-home pay.
Interest-Only Loan CalculatorSee your lower payment during an interest-only period, the bigger payment once you start paying down the loan, and the extra interest it costs.
Internal Rate of Return CalculatorFind the yearly return an investment's cash flows work out to, the rate where their net present value is zero. See every IRR, an NPV chart and an optional modified IRR.
Lease vs Buy Car CalculatorSee whether leasing a car or buying it with a loan, then selling it, costs less over the same years, using your own lease and loan terms.
Loan-to-Value CalculatorFind your home's loan-to-value, combined LTV and HCLTV ratios, how much equity you have, and how far you are from a target LTV.
Mileage Reimbursement CalculatorAdd up what you're owed for business, volunteer or medical driving from miles per trip, number of trips and a per-mile rate you set.
Mortgage Points CalculatorSee what mortgage points cost, how much they lower your monthly payment and how many months the savings take to pay them back.
Net Present Value CalculatorSee whether an investment is worth it by turning its future cash into today's dollars at the return you need, then comparing that with what it costs.
Payback Period CalculatorFind out how long an investment takes to earn back what it cost, from even or uneven cash flows, plus the discounted payback at the return you require.
PMI CalculatorEstimate private mortgage insurance from the rate your lender gives you, and find when you can ask to cancel it and when it ends automatically.
Real Rate of Return CalculatorSee how fast your buying power really grows once inflation, and tax if you like, take their share, using the exact Fisher equation.
Rent Split CalculatorSplit the rent fairly between roommates, to the exact cent. Split it equally, by bedroom size with shared space split evenly, or by income.
Rent vs Buy CalculatorSee whether renting or buying a home leaves you better off over the years you expect to stay, using numbers you choose.
Reorder Point CalculatorFind the stock level at which to reorder, from daily usage, supplier lead time and a safety stock you enter or work out from a service level.
Retirement Withdrawal CalculatorSee how long your retirement savings last when your yearly withdrawal rises with inflation. Also find the withdrawal that lasts a set number of years.
Roth vs Traditional CalculatorSee whether a Roth or a traditional IRA or 401(k) leaves you more money after tax in retirement, based on your tax rate now and later.
Rule of 72 CalculatorSee how many years your money takes to double with the rule of 72, and how close that is to the exact answer and the rules of 70 and 69.3. Or find the rate needed to double in a set time.
Shared Expenses CalculatorSettle up shared costs for a trip, a house or a group: enter what each person paid and get the fewest simple payments that make everyone even.
Smoking Cost CalculatorSee what cigarettes cost per day, week, month and year, the total over the years ahead as prices rise, or how much you have saved since quitting.
Stock Profit CalculatorFind how much a stock trade made or lost, and its percentage return, counting fees, dividends and, if you like, a yearly return.
Student Loan CalculatorEstimate your monthly student loan payment, the interest that builds up during the grace period, total interest, the payoff date and what an extra payment saves.
Subscription Cost CalculatorAdd up weekly, monthly, quarterly and yearly subscriptions into one monthly and yearly total, and see what the ones you rarely use really cost.
Takt Time CalculatorSee how often you must finish one unit to keep up with customer demand, using shift length, breaks and orders. Then compare it with your cycle time.
Tire Size CalculatorCompare two tire sizes by diameter, sidewall, width and revolutions per mile, and see how a new size changes your speedometer reading.
VAT CalculatorAdd VAT or GST to a price before tax, or find the tax inside a price that already includes it, at any rate you enter.
Wedding Budget CalculatorSplit your total wedding budget across venue, photography, attire, music and the rest. See the cost per guest, and track what's left to spend.