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84 calculatorsCommission Calculator
Finance
Calculate your take-home commission across flat, tiered, and real estate split structures. Handles franchise fees, broker splits, and blended effective rates. Know your true payout.
★ 4.910K uses
Canadian Mortgage
Finance
Canadian mortgage calculator with legally-correct semi-annual compounding, CMHC insurance premiums, and accelerated bi-weekly payment comparison. Get the right numbers for Canada.
★ 4.959K uses
Marriage Tax Calculator
Finance
Compare your tax bill filing as singles vs. married filing jointly with 2026 IRS brackets. See your marriage penalty or bonus in seconds with a side-by-side breakdown.
★ 4.924K uses
Pension Calculator
Finance
Project your pension balance from now through retirement. See your projected balance, inflation-adjusted value, and 4% Rule monthly payout with a free PDF report.
★ 4.939K uses
RMD Calculator
Finance
Calculate your RMD using the IRS Uniform Lifetime Table with SECURE 2.0 age rules (73 for born 1951-1959, 75 for born 1960+). See 10-year projected RMDs and your life expectancy factor.
★ 4.911K uses
Depreciation Calculator
Finance
Generate a complete depreciation schedule using Straight-Line, Double Declining Balance, or Sum-of-the-Years'-Digits. Shows each year's depreciation expense, accumulated depreciation, and book value.
★ 4.916K uses
Business Loan Calculator
Finance
Calculate your business loan payment with origination fees, total interest, and cash disbursed. Enter net operating income to get a Debt Service Coverage Ratio with approval likelihood analysis.
★ 4.931K uses
Debt Consolidation
Finance
Compare your current debt path vs. consolidating into a personal loan — including origination fees. See monthly savings, total interest saved, and a side-by-side cost comparison for up to 3 debts.
★ 4.916K uses
Student Loan Calculator
Finance
Calculate your post-graduation monthly payment and lifetime loan cost. Toggle between subsidized and unsubsidized loans to see the exact impact of interest capitalization while in school.
★ 4.924K uses
Bond Calculator (YTM)
Finance
Calculate Yield to Maturity for any bond from face value, coupon rate, market price, and years to maturity. Shows current yield, discount/premium status, and the YTM approximation formula.
★ 4.918K uses
Roth IRA Calculator
Finance
Project your Roth IRA balance with 2026 contribution limits ($7,500 base, $8,600 for 50+). See tax-free growth, contributions vs. earnings, and your tax advantage over a traditional IRA.
★ 4.946K uses
Rent Affordability
Finance
Find your maximum safe rent based on income using the 30% Rule, 40x Rule (NYC), or conservative 25% rule. See a pie chart of your budget split across rent, debts, and remaining cash.
★ 4.916K uses
Estate Tax Calculator
Finance
Estimate federal estate tax based on your gross estate, deductions, and filing status. Includes 2025 federal exemption ($13.99M) and all 12 states with estate taxes. See if your estate is below the exemption.
★ 4.910K uses
Social Security Calculator
Finance
Estimate your monthly Social Security benefit at any claiming age from 62 to 70. Compare early, full retirement age, and delayed benefits in a side-by-side chart.
★ 4.945K uses
Annuity Payout Calculator
Finance
Calculate your monthly payout from a lump sum or how long your savings will last. Features inflation-adjusted projections, a depletion chart, and a year-by-year balance table.
★ 4.938K uses
Debt Payoff (Snowball/Avalanche)
Finance
Compare Debt Snowball vs. Debt Avalanche strategies with a side-by-side timeline and per-card payoff dates. See how much time and interest each strategy saves for your debts.
★ 4.917K uses
401(k) Calculator
Finance
Project your 401(k) balance at retirement with salary growth and employer match. See your contributions, employer match, and investment returns in a stacked chart.
★ 4.918K uses
Interest Rate Calculator
Finance
Calculate the effective interest rate from a starting principal and final amount. Supports compound and simple interest across any time period. Shows the algebraic formula used to isolate r.
★ 4.931K uses
Sales Tax Calculator
Finance
Add sales tax to a price or extract the tax from a total amount collected. The "Extract Tax" mode is essential for e-commerce and retail business owners who need to know how much to remit.
★ 4.953K uses
House Affordability
Finance
Find out the maximum home price you can afford based on your income, debts, and down payment. Uses DTI ratios (28%/36%/43%) to work backward from your income — the first step in any home search.
★ 4.923K uses
Savings Calculator
Finance
Calculate how much your savings will grow or how much to save monthly to reach a goal. Perfect for emergency funds, down payments, or any savings target with a growth chart.
★ 4.939K uses
TVM Finance Calculator
Finance
Solve for Future Value, Present Value, Number of Periods, Interest Rate, or Payment Amount. The standard TVM solver used by finance professionals and students — identical to the HP 12C and TI BA II+.
★ 4.911K uses
Mortgage Payoff
Finance
Find your new debt-free date and total interest saved with extra monthly payments, yearly lump sums, or a one-time principal payment. See the side-by-side interest comparison chart.
★ 4.945K uses
15-Year vs 30-Year Mortgage
Finance
Compare 15-year vs 30-year mortgages side by side with different rates, PMI, property taxes, and insurance. See the payment difference, total interest, and lifetime savings to choose your ideal term.
★ 4.923K uses
Texas Mortgage Calculator
Finance
Calculate your Texas mortgage payment including property taxes (~1.8%), PMI, and the Texas Homestead Exemption. See how no state income tax and first-time homebuyer programs affect your payment.
★ 4.938K uses
New York Mortgage Calculator
Finance
Calculate your New York mortgage payment including property taxes (~1.6%), STAR school tax exemption, and mortgage recording tax closing costs. Includes SONYMA first-time homebuyer programs.
★ 4.959K uses
California Mortgage Calculator
Finance
Calculate your California mortgage payment with Prop 13 tax limits (~0.77%), Mello-Roos assessments, and state income tax. Includes CalHFA down payment assistance for first-time buyers.
★ 4.923K uses
Income Tax Calculator
Finance
Estimate your 2025 federal income tax, FICA, and state tax. See your marginal vs. effective tax rate, the exact bracket breakdown, and estimated take-home pay for all pay periods.
★ 4.910K uses
Salary Calculator
Finance
Convert any salary between hourly, daily, weekly, bi-weekly, semi-monthly, monthly, and annual. See estimated net take-home pay for each period with 2025 tax estimates.
★ 4.932K uses
Retirement Calculator
Finance
Find out if you are on track for retirement. Enter your age, current savings, monthly contributions, and target retirement age to see your projected nest egg and retirement income gap.
★ 4.910K uses
Amortization Calculator
Finance
See the full amortization schedule for any loan and calculate exactly how much time and interest extra monthly or annual payments save. Compare standard vs. accelerated payoff side-by-side.
★ 4.924K uses
Investment Calculator
Finance
Project the future value of any investment with regular contributions. See three return scenarios (expected, optimistic, pessimistic) and a breakdown of your contributions vs. market returns.
★ 4.910K uses
Currency Converter
Finance
Convert between 30+ currencies using live exchange rates from the European Central Bank. See the exact rate, timestamp, and inverse rate.
★ 4.946K uses
Inflation Calculator
Finance
Calculate the inflation-adjusted value of any dollar amount from 1913 to today using official US CPI data from the Bureau of Labor Statistics. See cumulative and average annual inflation rates.
★ 4.953K uses
Loan Calculator
Finance
Calculate monthly payments, total interest, and total cost for any personal or business loan. Includes a full amortization schedule with extra payment savings.
★ 4.918K uses
Personal Loan Calculator
Finance
Calculate your exact monthly payment, cash received, and true total cost with origination fees. Choose fee deducted from proceeds or added to balance. Full amortization schedule included.
★ 4.931K uses
Budget Calculator
Finance
Build your monthly budget with the 50/30/20 framework. See your actual spending vs. ideal split across Needs, Wants, and Savings categories with a donut chart comparison.
★ 4.932K uses
IRR Calculator
Finance
Calculate IRR and NPV for any investment with multiple cash flows over time. Add up to 10 years of projected cash flows and benchmark against S&P 500 and real estate returns.
★ 4.911K uses
APR Calculator
Finance
Calculate the true APR of any loan by factoring in origination fees, closing costs, and other upfront charges. See exactly how fees raise your effective borrowing cost above the stated interest rate.
★ 4.911K uses
VA Loan Calculator
Finance
Calculate your VA loan payment including the VA Funding Fee for first vs. subsequent use. Covers disability exemptions, roll-in or upfront fee options, and conventional loan comparison with PMI.
★ 4.917K uses
HELOC Calculator
Finance
Calculate your maximum HELOC based on home value, mortgage balance, and CLTV limit (80-90%). See your tapable equity, interest-only payment, and a complete equity breakdown chart.
★ 4.925K uses
Rent vs. Buy
Finance
The definitive rent vs. buy analysis. Find the exact year buying becomes cheaper than renting, accounting for appreciation, equity, PMI, down payment opportunity cost, and selling costs.
★ 4.917K uses
Present Value Calculator
Finance
Calculate the present value of a future sum using the Time Value of Money formula. Supports all compounding frequencies with formula display, growth timeline, and investment benchmarks.
★ 4.931K uses
Interest Calculator
Finance
Calculate simple or compound interest for any principal, rate, and time period. Supports annual, monthly, and daily time periods and all compounding frequencies.
★ 4.946K uses
Payment Calculator
Finance
Calculate your monthly loan payment instantly. Solve for payment, loan amount, or term. See how much you can borrow and how long it takes to pay off any loan with a full amortization schedule.
★ 4.939K uses
Compound Interest
Finance
Calculate how your investment grows over time with compound interest. Enter your principal, rate, and time period to see your future value and total interest earned.
★ 4.959K uses
ROI Calculator
Finance
Calculate your return on investment with both basic ROI and annualized ROI (CAGR). Enter your initial investment, total return, and holding period to get your true per-year return rate.
★ 4.911K uses
Salary to Hourly
Finance
Convert your annual salary to an equivalent hourly rate. Enter your salary and working hours to see your hourly, daily, weekly, and monthly rates.
★ 4.952K uses
Credit Card Payoff
Finance
Calculate how much to pay monthly to be debt-free by a target date, or see your payoff timeline for a fixed payment. Shows debt-free month and the true cost of minimum payments.
★ 4.916K uses
Net Worth
Finance
Calculate your total net worth by entering your assets and liabilities. Get a clear picture of your financial health with your net worth, debt-to-asset ratio, and more.
★ 4.953K uses
Home Affordability
Finance
Find out how much house you can afford based on your income, debts, and down payment. Calculates your maximum home price using front-end and back-end DTI ratios.
★ 4.916K uses
Rental Property
Finance
Analyze rental property investments with state-specific tax rates for all 50 states. Calculate cash flow, cap rate, cash-on-cash return, NOI, DSCR, and gross rent multiplier with an expense waterfall chart.
★ 4.945K uses
Mortgage Calculator
Finance
Calculate your monthly mortgage payment, full amortization schedule, and extra payment savings. Simulate extra payments to see how much interest and time you save.
★ 4.937K uses
Rent vs. Buy
Finance
Compare the true financial cost of renting vs. buying a home over your planned timeline. Accounts for appreciation, equity, taxes, and maintenance.
★ 4.952K uses
DTI Ratio
Finance
Calculate your front-end and back-end debt-to-income ratios to see if you qualify for a mortgage. Lenders typically require a DTI below 43%.
★ 4.953K uses
Closing Costs
Finance
Estimate buyer and seller closing costs for a real estate transaction. See itemized fees including origination, title insurance, agent commissions, and more.
★ 4.931K uses
Cap Rate
Finance
Calculate the capitalization rate, NOI, and gross rent multiplier for any investment property. Essential for comparing rental property investments.
★ 4.946K uses
Repayment Calculator
Finance
See the full amortization schedule for any loan with interactive year and month views. Add extra payments to see time and interest saved, then export to CSV.
★ 4.953K uses
College Cost Calculator
Finance
Project the future cost of college for your child using College Board 2024–25 averages. Enter current savings, monthly contributions, and institution type to see your funding gap and how much more you need to save each month.
★ 4.924K uses
FHA Loan
Finance
Calculate your FHA loan monthly payment including all MIP costs. See the complete MIP cost breakdown over time — upfront premium (1.75% financed), annual MIP, and total MIP paid over 1, 5, 10, and 30 years.
★ 4.946K uses
CD Calculator
Finance
Calculate CD maturity amounts across all major US banks with real benchmark rates from Ally, Marcus, Discover, Capital One, and more. Supports daily, weekly, monthly, quarterly, semi-annual, and annual compounding. Includes laddering strategy and early withdrawal penalty guidance.
★ 4.954K uses
Average Return Calculator
Finance
Calculate the compound annual growth rate (CAGR) and simple average return for any investment. Enter start/end values or a comma-separated list of annual returns to see volatility drag — the gap between simple and compound returns.
★ 4.938K uses
Boat Loan Calculator
Finance
Calculate monthly boat loan payments including insurance, maintenance, and storage costs that can equal the loan payment itself. See the true total cost of ownership over 10–20 year marine loans.
★ 4.953K uses
VAT Calculator
Finance
Calculate VAT for any amount across 40+ countries. Add VAT to a net price or remove it from a gross total. Country selector auto-fills standard VAT rates (UK 20%, Germany 19%, Hungary 27%, etc.). Essential for business invoicing and expense reporting.
★ 4.911K uses
Discount Calculator
Finance
Calculate stackable discounts applied sequentially (20% + 10% ≠ 30%). Includes a full shopping cart with add/remove items, per-item discounts, sales tax, and real-time totals. See the effective discount rate and what you actually pay.
★ 4.946K uses
Mutual Fund Calculator
Finance
Project mutual fund growth and see exactly how expense ratios eat your returns. Compare index funds (0.03% ER) vs. actively managed funds (1.50% ER) with an interactive with-fees vs. without-fees growth chart.
★ 4.917K uses
IRA Calculator
Finance
Compare Traditional IRA vs. Roth IRA side-by-side with 2026 IRS contribution limits ($7,000 base, $8,000 age 50+). See the breakeven retirement tax rate, decision insight guidance, and tax-free vs. tax-deferred growth visualization.
★ 4.911K uses
Paycheck Calculator
Finance
Calculate your exact per-paycheck take-home pay for any pay frequency (weekly, bi-weekly, semi-monthly, monthly). Supports annual salary and hourly wage with 2026 federal brackets, FICA, and all 50 state tax rates. Interactive pie chart shows where every dollar goes.
★ 4.946K uses
Refinance Calculator
Finance
Calculate whether refinancing your mortgage makes financial sense. Enter your current loan terms, new loan offer, closing costs, and planned stay to get a clear Yes/No/Wait recommendation based on break-even analysis.
★ 4.953K uses
Home Equity Loan
Finance
Calculate how much home equity you can borrow with a fixed-rate home equity loan. See max LTV by credit profile, monthly payment, and an equity stack bar chart showing how your home value is distributed across mortgage, loan, and remaining equity.
★ 4.952K uses
Down Payment Calculator
Finance
Plan your home down payment savings. Enter your target home price, current savings, and monthly contribution to see your timeline, total PMI cost if under 20% down, and estimated monthly mortgage payment.
★ 4.924K uses
Payback Period Calculator
Finance
Calculate the payback period for any investment. Toggle between simple payback and discounted payback (with time value of money). See NPV, profitability index, and total return alongside the payback analysis.
★ 4.938K uses
Future Value Calculator
Finance
Calculate the future value of any investment with compound interest and optional monthly contributions. See the rendered formula with your numbers plugged in, effective annual rate, and a year-by-year growth breakdown table.
★ 4.924K uses
ARV & Flipping
Finance
Calculate your Maximum Allowable Offer (MAO) for any fix-and-flip deal. Enter the After Repair Value, repair costs, holding costs, and target profit to see your MAO, estimated profit, ROI, and the 70% Rule benchmark — with an interactive profit gauge chart.
★ 4.924K uses
Self-Employment Tax
Finance
Calculate your self-employment (SECA) tax with a full Social Security and Medicare breakdown. Enter your 1099 net profit and optional W-2 wages to see the SS wage base remaining, Medicare portion, deductible half, and estimated QBI deduction savings.
★ 4.923K uses
Depreciation (MACRS/SL)
Finance
Calculate year-by-year depreciation schedules using Straight Line or MACRS (200% Declining Balance with half-year convention). See a bar chart of depreciation by year, an asset value decline line graph, and a full year-by-year schedule table.
★ 4.924K uses
ETH Gas Fee
Finance
Estimate Ethereum gas fees for any transaction type — standard transfer, ERC-20 token, Uniswap swap, NFT mint, or complex contract. See slow/standard/fast speed tiers in both ETH and USD.
★ 4.917K uses
FIRE Calculator
Finance
Calculate your path to financial independence with the FIRE framework. Enter your age, net worth, income, and expenses to see your FIRE number, estimated FIRE age, and years to go. Supports Standard, Lean, Fat, and Coast FIRE with a timeline chart and savings rate analysis.
★ 4.918K uses
Salary to Hourly
Finance
Convert your annual salary to an equivalent hourly rate based on hours per week and weeks per year. See daily, weekly, monthly, and annual breakdowns.
★ 4.931K uses
Take-Home Pay
Finance
Calculate your true take-home pay after federal income tax, FICA, and state taxes. See your net annual salary, per-paycheck amount, and complete tax breakdown with effective tax rate for any filing status.
★ 4.925K uses
Capital Gains Tax
Finance
Calculate capital gains tax for stocks, crypto, and real estate. Enter purchase price, sale price, holding period, income, and filing status. Uses 2026 IRS brackets with NIIT (3.8%) and state tax support.
★ 4.959K uses
Tax Calculator
Finance
Estimate your federal income tax using progressive tax brackets. See marginal rate, effective rate, and whether you will owe or get a refund.
★ 4.911K uses
SIP Calculator
Finance
Calculate your SIP maturity amount with monthly investments.
★ 4.911K uses
SWP Calculator
Finance
Calculate how long your retirement corpus lasts with monthly SWP withdrawals.
★ 4.911K uses
About Finance Calculators
Whether you are calculating mortgage payments, planning retirement, comparing investment returns, or figuring out your tax burden, our finance calculators give you instant answers. From simple interest to complex amortization schedules, every tool is built with accurate formulas and clear explanations.
Browse our curated collection of finance calculators below. Each tool includes detailed formulas, educational content, and real-time results. Use the 84 calculators in this category to make informed decisions, solve problems, and get accurate answers instantly.
80+ calculators covering loans, investments, taxes, and retirement
Mortgage comparison with PMI, taxes, and insurance included
State-specific calculators for Texas, California, and New York
Amortization schedules with extra payment analysis
Frequently Asked Questions
How much house can I afford?
Lenders typically cap housing costs at 28% of gross monthly income and total debt payments at 36%. Use our house affordability calculator to get a personalized number based on your income, down payment, and debts.
What is the difference between APR and interest rate?
The interest rate is what you pay to borrow the principal. APR includes the rate plus lender fees and closing costs, giving you a more complete picture of what the loan actually costs.
Should I pay off debt or invest my extra cash?
If your debt carries a high interest rate, like a credit card at 18% or more, paying it off first is the better move. For low-interest debt such as a mortgage under 5%, investing extra cash may give you a better long-term return.
How do I calculate compound interest?
Compound interest follows the formula A = P(1 + r/n)^(nt), where P is your starting principal, r is the annual rate, n is how often interest compounds, and t is the number of years. Our compound interest calculator handles the math instantly.