Finance Calculators
84 tools, each with formula and worked examples
Personal finance, investments, loans, and real estate finance calculators.
Business & Accounting· 8
Commission Calculator
Calculate your take-home commission across flat, tiered, and real estate split structures. Free online calcula…
Depreciation Calculator
Compare Straight-Line, Double Declining Balance, and SYD depreciation methods. See yearly expense, accumulated…
Business Loan Calculator
Calculate monthly payments, DSCR ratio, origination fees, and cash disbursed. Enter NOI to see lender approval…
IRR Calculator
Calculate IRR and NPV for any investment with multiple cash flows over time. Add up to 10 years of projected c…
Present Value Calculator
Calculate how much money you need today to reach a future financial goal. Supports all compounding frequencies…
VAT Calculator
Calculate VAT for any amount across 40+ countries. Add VAT to a net price or remove it from a gross total. Fre…
Payback Period Calculator
Calculate the payback period for any investment. Toggle between simple payback and discounted payback (with ti…
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
Marriage Tax Calculator
Compare your tax bill filing as singles vs. married filing jointly with 2026 IRS brackets. Free online calcula…
Estate Tax Calculator
Estimate federal estate tax based on your gross estate, deductions, and filing status. Free online calculator …
Self-Employment Tax
Calculate your self-employment (SECA) tax with a full Social Security and Medicare breakdown. Free, instant, a…
Capital Gains Tax
Calculate capital gains tax for stocks, crypto, and real estate. Enter purchase price, sale price, holding per…
Tax Calculator
Estimate your federal income tax using progressive tax brackets. See marginal rate, effective rate, and whethe…
Retirement· 7
Pension Calculator
Project your pension balance from now through retirement. See your projected balance, inflation-adjusted value…
RMD Calculator
Calculate your RMD using the IRS Uniform Lifetime Table with SECURE 2.0 age rules (73 for born 1951-1959, 75 f…
Roth IRA Calculator
Project your Roth IRA balance with 2026 contribution limits ($7,500 base, $8,600 for 50+). See tax-free growth…
Social Security Calculator
Estimate your monthly Social Security benefit using the official PIA bend point formula. Free online calculato…
Annuity Payout Calculator
Calculate how much monthly income a lump sum generates or how long savings will last with a given withdrawal. …
IRA Calculator
Compare Traditional IRA vs. Roth IRA side-by-side with 2026 IRS contribution limits ($7,000 base, $8,000 age 5…
FIRE Calculator
Calculate your path to financial independence with the FIRE framework. Enter your age, net worth, income, and …
Debt Management· 3
Debt Consolidation
Compare your current debt path vs. consolidating into a personal loan — including origination fees. Free, inst…
Student Loan Calculator
Calculate your post-graduation monthly payment and lifetime loan cost. Toggle between subsidized and unsubsidi…
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
Bond Calculator (YTM)
Calculate Yield to Maturity for any bond from face value, coupon rate, market price, and years to maturity. Fr…
Investment Calculator
Project the future value of any investment with regular contributions. See three return scenarios (expected, o…
Average Return Calculator
Calculate the compound annual growth rate (CAGR) and simple average return for any investment. Free, instant, …
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…
Future Value Calculator
Calculate the future value of any investment with compound interest and optional monthly contributions. Free, …
SIP Calculator
Calculate SIP returns with monthly investments and lump sum contributions. See total invested, total returns, …
Personal Finance· 33
Rent Affordability
Find your maximum safe rent based on income using the 30% Rule, 40x Rule (NYC), or conservative 25% rule. Free…
401(k) Calculator
Project your 401(k) balance with salary growth and employer matching. See contribution breakdowns, compounding…
Interest Rate Calculator
Calculate the effective interest rate from a starting principal and final amount. Supports compound and simple…
Sales Tax Calculator
Add sales tax to a price or extract the tax from a total amount collected. The "Extract Tax" mode is essential…
Savings Calculator
Calculate how much your savings will grow or how much to save monthly to reach a goal. Free online calculator …
TVM Finance Calculator
Professional-grade TVM solver matching the HP 12C and TI BA II+ financial calculators. Free online calculator …
Mortgage Payoff
Find your new debt-free date and total interest saved with extra monthly payments, yearly lump sums, or a one-…
Income Tax Calculator
Estimate your 2025 federal income tax, FICA, and state tax. See your marginal vs. effective tax rate, the exac…
Salary Calculator
Convert any salary between hourly, daily, weekly, bi-weekly, semi-monthly, monthly, and annual. Free, instant,…
Retirement Calculator
Find out if you are on track for retirement. Enter your age, current savings, monthly contributions, and targe…
Amortization Calculator
See the full amortization schedule for any loan and calculate exactly how much time and interest extra monthly…
Currency Converter
Convert between 30+ currencies using live ECB exchange rates with mid-market pricing. See exact rate, timestam…
Inflation Calculator
Calculate the inflation-adjusted value of any dollar amount from 1913 to today using official US CPI data from…
Loan Calculator
Calculate monthly payments, total interest, and total cost for any personal or business loan. Includes a full …
Personal Loan Calculator
Calculate your exact monthly payment, cash received, and true total cost with origination fees. Choose fee ded…
Budget Calculator
Build your monthly budget with the 50/30/20 framework. See your actual spending vs. ideal split across Needs, …
APR Calculator
Calculate the true APR of any loan by factoring in origination fees, closing costs, and other upfront charges.…
Interest Calculator
Calculate simple or compound interest for any principal, rate, and time period. Supports annual, monthly, and …
Payment Calculator
Calculate your monthly loan payment instantly. Solve for payment, loan amount, or term. Free online calculator…
Compound Interest
Calculate how your investment grows over time with compound interest. Enter your principal, rate, and time per…
ROI Calculator
Calculate your return on investment with both basic ROI and annualized ROI (CAGR). Enter your initial investme…
Salary to Hourly
Convert your annual salary to an equivalent hourly rate. Enter your salary and working hours to see your hourl…
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…
Net Worth Calculator
Calculate your total net worth by entering your assets and liabilities. Get a clear picture of your financial …
Repayment Calculator
See the full amortization schedule for any loan with interactive year and month views. Add extra payments to s…
College Cost Calculator
Project college costs using College Board data, model 529 savings growth, and see your funding gap. Compare in…
CD Calculator
Calculate CD maturity amounts across all major US banks with real benchmark rates from Ally, Marcus, Discover,…
Boat Loan Calculator
Calculate monthly boat loan payments including insurance, maintenance, and storage costs that can equal the lo…
Discount Calculator
Calculate stackable discounts applied sequentially (20% + 10% ≠ 30%). Includes a full shopping cart with add/r…
Paycheck Calculator
Calculate your exact per-paycheck take-home pay for any pay frequency (weekly, bi-weekly, semi-monthly, monthl…
ETH Gas Fee
Estimate Ethereum gas fees for any transaction type — standard transfer, ERC-20 token, Uniswap swap, NFT mint,…
Salary to Hourly
Convert your annual salary to an equivalent hourly rate based on hours per week and weeks per year. See daily,…
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
House Affordability
Find out the maximum home price you can afford based on your income, debts, and down payment. Free, instant, a…
Rent vs. Buy
The definitive rent vs. buy analysis. Find the exact year buying becomes cheaper than renting, accounting for …
Home Affordability
Find out how much house you can afford based on your income, debts, and down payment. Calculates your maximum …
Rental Property
Analyze rental property investments with state-specific tax rates for all 50 states. Calculate cash flow, cap …
Mortgage Calculator
Calculate your monthly mortgage payment, full amortization schedule, and extra payment savings. Free, instant,…
Rent vs. Buy
Compare the true financial cost of renting vs. buying a home over your planned timeline. Accounts for apprecia…
Debt-to-Income (DTI) Ratio Calculat
Calculate your front-end and back-end debt-to-income ratios to see if you qualify for a mortgage. Lenders typi…
Closing Costs
Estimate buyer and seller closing costs for a real estate transaction. See itemized fees including origination…
Cap Rate Calculator
Calculate the capitalization rate, NOI, and gross rent multiplier for any investment property. Essential for c…
FHA Loan Calculator
Calculate your FHA loan monthly payment including all MIP costs. See the complete MIP cost breakdown over time…
Down Payment Calculator
Plan your home down payment savings. Enter your target home price, current savings, and monthly contribution t…
Mortgages· 6
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…
Texas Mortgage Calculator
Calculate your Texas mortgage payment including property taxes (~1.8%), PMI, and the Texas Homestead Exemption…
New York Mortgage Calculator
Calculate your New York mortgage payment including property taxes (~1.6%), STAR school tax exemption, and mort…
California Mortgage Calculator
Estimate CA mortgage payments with Prop 13 taxes, Mello-Roos, and PMI. Includes CalHFA down payment help and s…
VA Loan Calculator
Calculate your VA loan payment including the VA Funding Fee for first vs. subsequent use. Free online calculat…
Refinance Calculator
Calculate whether refinancing your mortgage makes financial sense. Enter your current loan terms, new loan off…