Finance calculators
58 free finance tools, each with the formula and step-by-step working.
- 401(k) CalculatorProject your 401(k) balance at retirement.
- 50/30/20 Budget CalculatorSplit take-home pay into needs, wants and savings.
- Amortization CalculatorYear-by-year split of principal versus interest on any loan.
- Annuity CalculatorPayout and value of a fixed annuity.
- APR CalculatorTrue yearly cost of a loan including fees.
- APY CalculatorEffective yearly yield with compounding.
- Auto Lease CalculatorMonthly car lease payment breakdown.
- Balloon Payment CalculatorPayments plus the lump sum due at the end.
- Boat Loan CalculatorMonthly payment for a boat purchase.
- Bond Price CalculatorPrice and yield of a fixed-rate bond.
- Business Loan CalculatorRepayments and cost of a business loan.
- CD CalculatorCertificate of deposit maturity value.
- Compound Interest CalculatorGrow a lump sum plus regular contributions at any compounding frequency.
- Cost of Living CalculatorSalary needed in another city.
- Credit Card Payoff CalculatorMonths to clear a card balance and the interest it costs.
- Currency Conversion Margin CalculatorThe hidden spread your bank charges on a transfer.
- Debt Avalanche CalculatorPay highest-rate debt first.
- Debt Snowball CalculatorTotal payoff time when every freed-up payment rolls into the next debt.
- Debt-to-Income Ratio CalculatorThe DTI number lenders check before approving you.
- Discount CalculatorSale price and money saved from any percentage off.
- Effective Tax Rate CalculatorThe share of income you actually pay.
- Emergency Fund CalculatorHow big your safety net should be, and how long to build it.
- Extra Mortgage Payment CalculatorSee how many years and how much interest an extra monthly payment saves.
- Federal Income Tax CalculatorMarginal and effective tax rate from 2024 brackets.
- FIRE Number CalculatorThe portfolio size that makes work optional, and when you reach it.
- Future Value CalculatorWhat money today is worth later.
- Gross to Net CalculatorConvert gross pay into take-home pay.
- Hourly to Salary CalculatorConvert an hourly rate into weekly, monthly and annual pay.
- House Affordability CalculatorThe price range your income and debts actually support.
- Inflation CalculatorWhat money today will be worth later, and vice versa.
- IRR CalculatorInternal rate of return on cash flows.
- Loan Comparison CalculatorCompare two loan offers side by side.
- Loan Payment CalculatorMonthly payment, total interest and payoff total for any fixed-rate loan.
- Mortgage Payment CalculatorPrincipal, interest, tax and insurance in one monthly figure.
- Net Present Value CalculatorDiscounted value of future cash flows.
- Net Worth CalculatorAssets minus liabilities.
- Oregon Kicker CalculatorEstimate your Oregon surplus refund credit from your prior-year tax liability.
- Overtime Pay CalculatorTime-and-a-half, double time and total weekly gross.
- Paycheck CalculatorEstimate take-home pay after tax and deductions.
- Pension CalculatorDefined benefit pension income.
- Personal Loan CalculatorUnsecured loan payment and interest.
- Present Value CalculatorWhat future money is worth today.
- Refinance Break-Even CalculatorHow many months until a refinance pays for itself.
- Rent vs Buy CalculatorWhich is cheaper over the years you plan to stay.
- Retirement Savings CalculatorProjected nest egg and the income it can support.
- Roth IRA CalculatorTax-free retirement growth projection.
- Rule of 72 CalculatorHow long money takes to double.
- Salary to Hourly CalculatorWhat your annual salary really works out to per hour.
- Sales Tax CalculatorAdd or remove sales tax from any price.
- Savings Goal CalculatorHow much to set aside each month to hit a target by a deadline.
- Self-Employment Tax CalculatorSE tax, the deductible half and what to set aside quarterly.
- Simple Interest CalculatorInterest on the principal only — no compounding.
- Social Security CalculatorBenefit estimate by claiming age.
- Student Loan CalculatorRepayment plan and total interest.
- Tax Refund CalculatorEstimate your refund or amount owed.
- Tip CalculatorTip amount and per-person split, instantly.
- Tithe CalculatorWork out a 10% tithe on gross or net income, for any pay frequency.
- VAT CalculatorAdd or remove value added tax at any rate.
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