Financial Calculators
84 tools, each with formula and worked examples
Personal finance, investments, loans, and real estate finance calculators.
Business & Accounting · 8
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Commission Calculator
Calculate your take-home commission across flat, tiered, and real estate split structures. Free online calcula…
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Depreciation Calculator
Compare Straight-Line, Double Declining Balance, and SYD depreciation methods. See yearly expense, accumulated…
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Business Loan Calculator
Calculate monthly payments, DSCR ratio, origination fees, and cash disbursed. Enter NOI to see lender approval…
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IRR Calculator
Calculate IRR and NPV for multi-year cash flows (up to 10 years) and benchmark against the S&P 500 or your own…
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Present Value Calculator
Calculate how much money you need today to reach a future financial goal. Supports all compounding frequencies…
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VAT Calculator
Calculate VAT for any amount across 40+ countries. Add VAT to a net price or remove it from a gross total. Fre…
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Payback Period Calculator
Calculate the payback period for any investment. Toggle between simple payback and discounted payback (with ti…
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Depreciation (MACRS/SL)
Calculate year-by-year depreciation schedules using Straight Line or MACRS (200% Declining Balance with half-y…
Real Estate · 2
Taxes · 5
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Marriage Tax Calculator
Compare your tax bill filing as singles vs. married filing jointly with 2026 IRS brackets. Free online calcula…
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Estate Tax Calculator
Estimate federal estate tax based on your gross estate, deductions, and filing status. Free online calculator …
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Self-Employment Tax
Calculate your self-employment (SECA) tax with a full Social Security and Medicare breakdown. Free, instant, a…
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Capital Gains Tax
Calculate capital gains tax for stocks, crypto, and real estate. Enter purchase price, sale price, holding per…
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Tax Calculator
Estimate your federal income tax using progressive tax brackets. See marginal rate, effective rate, and whethe…
Retirement · 7
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Pension Calculator
Project your pension balance from now through retirement. See your projected balance, inflation-adjusted value…
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RMD Calculator
Calculate your RMD using the IRS Uniform Lifetime Table with SECURE 2.0 age rules (73 for born 1951-1959, 75 f…
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Roth IRA Calculator
Project your Roth IRA balance with 2026 contribution limits ($7,500 base, $8,600 for 50+). See tax-free growth…
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Social Security Calculator
Estimate your monthly Social Security benefit using the official PIA bend point formula. Free online calculato…
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Annuity Payout Calculator
Calculate how much monthly income a lump sum generates or how long savings will last with a given withdrawal. …
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IRA Calculator
Compare Traditional IRA vs. Roth IRA side-by-side with 2026 IRS contribution limits ($7,000 base, $8,000 age 5…
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FIRE Calculator
Find your FIRE number and estimated retirement date from your age, net worth, income and expenses using the FI…
Debt Management · 3
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Debt Consolidation
Compare your current debt path vs. consolidating into a personal loan — including origination fees. Free, inst…
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Student Loan Calculator
Estimate your post-graduation monthly payment and lifetime loan cost, and see the impact of in-school interest…
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Debt Payoff (Snowball/Avalanche)
Compare Debt Snowball vs. Debt Avalanche strategies with a side-by-side timeline and per-card payoff dates. Fr…
Investing · 6
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Bond Calculator (YTM)
Calculate Yield to Maturity for any bond from face value, coupon rate, market price, and years to maturity. Fr…
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Investment Calculator
Project future investment value with regular contributions across three return scenarios, and see contribution…
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Average Return Calculator
Calculate the compound annual growth rate (CAGR) and simple average return for any investment. Free, instant, …
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Mutual Fund Calculator
Compare mutual fund growth with and without expense ratios. See how a 1% fee can cost 25-30% of returns over 3…
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Future Value Calculator
Calculate the future value of any investment with compound interest and optional monthly contributions. Free, …
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SIP Calculator
Calculate SIP returns with monthly investments and lump sum contributions. See total invested, total returns, …
Personal Finance · 32
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Rent Affordability
Find your maximum safe rent based on income using the 30% Rule, 40x Rule (NYC), or conservative 25% rule. Free…
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401(k) Calculator
Project your 401(k) balance with salary growth and employer matching. See contribution breakdowns, compounding…
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Interest Rate Calculator
Calculate the effective interest rate from a starting principal and final amount. Supports compound and simple…
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Sales Tax Calculator
Add sales tax to a price or extract the tax from a total amount collected. The "Extract Tax" mode is essential…
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Savings Calculator
Calculate how much your savings will grow or how much to save monthly to reach a goal. Free online calculator …
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TVM Finance Calculator
Professional-grade TVM solver matching the HP 12C and TI BA II+ financial calculators. Free online calculator …
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Mortgage Payoff
Find your new debt-free date and total interest saved with extra monthly payments, yearly lump sums, or a one-…
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Income Tax Calculator
Estimate your 2025 federal income tax, FICA, and state tax. See your marginal vs. effective tax rate, the exac…
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Salary Calculator
Convert any salary between hourly, daily, weekly, bi-weekly, semi-monthly, monthly, and annual. Free, instant,…
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Retirement Calculator
Find out if you are on track for retirement. Enter your age, current savings, monthly contributions, and targe…
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Amortization Calculator
See the full amortization schedule for any loan and calculate exactly how much time and interest extra monthly…
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Currency Converter
Convert between 30+ currencies using live ECB exchange rates with mid-market pricing. See exact rate, timestam…
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Inflation Calculator
Calculate the inflation-adjusted value of any dollar amount from 1913 to today using official US CPI data from…
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Loan Calculator
Calculate monthly payments, total interest, and total cost for any personal or business loan, or solve for how…
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Personal Loan Calculator
Calculate your exact monthly payment, cash received, and true total cost with origination fees. Choose fee ded…
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Budget Calculator
Build your monthly budget with the 50/30/20 framework. See your actual spending vs. ideal split across Needs, …
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APR Calculator
Calculate the true APR of any loan by factoring in origination fees, closing costs, and other upfront charges.…
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Interest Calculator
Calculate simple or compound interest for any principal, rate, and time period. Supports annual, monthly, and …
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Compound Interest
Calculate how your investment grows over time with compound interest. Enter your principal, rate, and time per…
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ROI Calculator
Calculate your return on investment with both basic ROI and annualized ROI (CAGR). Enter your initial investme…
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Salary to Hourly
Convert your annual salary to an equivalent hourly rate. Enter your salary and working hours to see your hourl…
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Credit Card Payoff
Calculate how much to pay monthly to be debt-free by a target date, or see your payoff timeline for a fixed pa…
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Net Worth Calculator
Calculate your total net worth by entering your assets and liabilities. Get a clear picture of your financial …
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Repayment Calculator
See the full amortization schedule for any loan with interactive year and month views. Add extra payments to s…
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College Cost Calculator
Project college costs using College Board data, model 529 savings growth, and see your funding gap. Compare in…
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CD Calculator
Calculate CD maturity amounts across all major US banks with real benchmark rates from Ally, Marcus, Discover,…
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Boat Loan Calculator
Calculate monthly boat loan payments including insurance, maintenance, and storage costs that can equal the lo…
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Discount Calculator
Calculate stackable discounts applied sequentially (20% + 10% ≠ 30%). Includes a full shopping cart with add/r…
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Paycheck Calculator
Calculate your exact per-paycheck take-home pay for any pay frequency (weekly, bi-weekly, semi-monthly, monthl…
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ETH Gas Fee
Estimate Ethereum gas fees for any transaction type — standard transfer, ERC-20 token, Uniswap swap, NFT mint,…
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Salary to Hourly
Convert your annual salary to an equivalent hourly rate based on hours per week and weeks per year. See daily,…
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Take-Home Pay
Calculate your true take-home pay after federal income tax, FICA, and state taxes. See your net annual salary,…
Real Estate Finance · 11
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House Affordability
Find out the maximum home price you can afford based on your income, debts, and down payment. Free, instant, a…
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Rent vs. Buy
The definitive rent vs. buy analysis. Find the exact year buying becomes cheaper than renting, accounting for …
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Home Affordability
Find out how much house you can afford based on your income, debts, and down payment. Calculates your maximum …
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Rental Property
Analyze rental property investments with state-specific tax rates for all 50 states. Calculate cash flow, cap …
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Mortgage Amortization Calculator
Calculate your monthly mortgage payment, full amortization schedule, and extra payment savings. Free, instant,…
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Rent vs. Buy
Compare the true financial cost of renting vs. buying a home over your planned timeline. Accounts for apprecia…
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DTI Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios to see if you qualify for a mortgage. Lenders typi…
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Closing Costs
Estimate buyer and seller closing costs for a real estate transaction. See itemized fees including origination…
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Cap Rate Calculator
Calculate the capitalization rate, NOI, and gross rent multiplier for any investment property. Essential for c…
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FHA Loan Calculator
Calculate your FHA loan monthly payment including all MIP costs. See the complete MIP cost breakdown over time…
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Down Payment Calculator
Plan your home down payment savings. Enter your target home price, current savings, and monthly contribution t…
Mortgages · 7
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15-Year vs 30-Year Mortgage
Compare 15-year vs 30-year mortgages side by side with different rates, PMI, property taxes, and insurance. Fr…
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Texas Mortgage Calculator
Calculate your Texas mortgage payment including property taxes (~1.8%), PMI, and the Texas Homestead Exemption…
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New York Mortgage Calculator
Calculate your New York mortgage payment including property taxes (~1.6%), STAR school tax exemption, and mort…
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California Mortgage Calculator
Estimate CA mortgage payments with Prop 13 taxes, Mello-Roos, and PMI. Includes CalHFA down payment help and s…
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VA Loan Calculator
Calculate your VA loan payment including the VA Funding Fee for first vs. subsequent use. Free online calculat…
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Mortgage Calculator
Free mortgage calculator: monthly payment with taxes, insurance, PMI and HOA. Compare 15, 20 and 30 years, see…
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Refinance Calculator
See whether refinancing makes sense: enter current and new loan terms, closing costs and planned stay for a cl…