Financial Calculators
Browse our comprehensive suite of 80 professional tools designed to help you master your money. All calculators are free, private, and work in real-time.
Savings & Investment
Compound Interest
Future value of savings with compounding interest.
Savings Goal
Reverse-engineer your monthly savings target.
Millionaire Target
Path to hitting the $1,000,000 net worth milestone.
Simple vs Compound
See how compounding builds wealth over time.
Annuity
Calculate the value and payout of your annuity.
Asset Allocation
Optimize your portfolio's risk and return.
Bond Yield
Calculate the yield to maturity for your bonds.
DRIP
See the power of dividend reinvestment over time.
Rule of 72
Fast estimate of how long it takes to double your money.
Stock ROI
Total return on your stock investments with dividends.
College Savings
Plan for future education costs with a 529 plan.
Taxable vs. Deferred
Compare a taxable account vs. a tax-deferred one.
Capital Gains Tax
Estimate taxes on the sale of stocks or property.
Custom Goal
Set a target and timeline for any financial goal.
Break-Even
Find when an investment or business turns a profit.
Profit Margin
Calculate gross and net margins for your business.
Cash Flow
Monitor your monthly income vs. total expenses.
Expense Breakdown
Visualize where your money goes each month.
Mortgage & Real Estate
Amortization
Detailed monthly table of principal vs. interest.
Mortgage Payoff
Calculate savings from making extra payments.
Rent vs. Buy
Total cost comparison of renting vs owning.
Investment Property
Analyze ROI, Cap Rate, and Rental Cash Flow.
HELOC
Estimate your Home Equity Line of Credit limit.
1031 Exchange
Estimate capital gains tax deferral on property.
ARM vs. Fixed
Compare adjustable-rate vs. fixed-rate mortgages.
Balloon Mortgage
Payments for loans with a large final payment.
Mortgage Refinance
See if refinancing your mortgage saves you money.
Reverse Mortgage
Home equity drawdown options for seniors.
Second Mortgage
Calculate payments for a home equity loan.
Bi-Weekly Mortgage
Save interest by paying every two weeks.
Debt & Loans
Snowball vs. Avalanche
Compare debt payoff strategies side-by-side.
Debt Consolidation
See if one loan is better than your current debts.
Credit Card Payoff
Estimate how long it will take to be debt-free.
Auto Loan
Monthly payments and total cost for a car loan.
Auto Lease vs. Buy
Total cost comparison for vehicle financing.
Student Loan
Plan your path to student debt freedom.
Min Payment
See the true cost of making only minimum payments.
Accelerated Payoff
Save interest by making extra loan payments.
Bi-Weekly Loan
Pay off any loan faster with bi-weekly payments.
Loan Comparison
Side-by-side comparison of two different loans.
Personal Loan
Payments and total cost for personal loans.
Balance Transfer
Calculate savings from 0% APR credit card offers.
Payday Loan
Calculate the true APR and cost of payday loans.
Title Loan
Estimate the cost of a car title loan.
Pawn Shop
Calculate interest and fees for pawned items.
Medical Debt
Create a plan to pay off healthcare expenses.
Wage Garnishment
Estimate take-home pay after legal withholdings.
Bankruptcy Recovery
Timeline for credit score recovery after filing.
Retirement & Estate Planning
Retirement Planner
See if you're on track for your retirement goals.
Social Security
Estimate your monthly benefit based on age.
RMD
Calculate Required Minimum Distributions.
Pension Value
Determine the present value of a future pension.
Estate Tax
Estimate federal and state inheritance taxes.
FIRE Number
Calculate when you can reach early retirement.
Early Withdrawal
Taxes and penalties for breaking retirement accounts.
Long-Term Care
Plan for the costs of nursing home or home care.
Charity Tax
Calculate the tax benefit of your donations.
Life Insurance
Coverage needs based on income and liabilities.
401(k) Growth
Model your 401(k) with employer match.
Roth IRA
Visualize the tax-free growth of a Roth IRA.
403(b) Growth
Retirement growth for non-profit employees.
HSA Calculator
Tax advantages of Health Savings Accounts.
Personal Finance & Planning
Net Worth
A visual map of your total financial life.
50/30/20 Budget
Classic Needs, Wants, and Savings breakdown.
Salary to Hourly
Convert your annual income to hourly pay.
Hourly to Salary
Convert your hourly rate to annual pay.
Inflation Impact
Visual historical and future purchasing power.
Emergency Fund
Calculate your ideal safety net amount.
Latte Factor
The cost of small daily habits over time.
DTI Ratio
Calculate your DTI ratio for loan applications.
Freelance Tax
Self-employment taxes for 1099 workers.
Credit Score
Estimate your score based on credit habits.
General Utility
Currency Converter
Real-time global currency exchange rates.
Discount
Calculate savings after sales and discounts.
Sales Tax
Find the total price including local taxes.
Tip Calculator
Quickly split bills and calculate gratuity.
Unit Price
Compare product sizes for the best value.
Trip Cost
Estimate the total expenses for your vacation.
Irregular Income
Budgeting tool for variable income earners.
Interest-Only
Calculate interest-only payments on any loan.