Finance calculators

146 free finance tools, each with the formula and step-by-step working.

• 401(k) CalculatorProject your 401(k) balance at retirement.
• 401(k) Employer Match CalculatorSee how much free money your employer match is worth.
• 50/30/20 Budget CalculatorSplit take-home pay into needs, wants and savings.
• 50/30/20 Budget CalculatorSplit take-home pay into needs, wants and savings.
• 529 College Savings CalculatorMonthly saving needed to cover future tuition.
• Airbnb Income CalculatorEstimated monthly and annual short-term rental income.
• 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.
• APR vs. APY CalculatorConvert between nominal APR and effective APY.
• APY CalculatorEffective yearly yield with compounding.
• APY Comparison CalculatorCompare two savings accounts over any period.
• Auto Lease CalculatorMonthly car lease payment breakdown.
• Auto Loan Refinance CalculatorSee if refinancing your car loan saves money.
• Auto Refinance CalculatorCheck whether refinancing your car loan saves money.
• Balance Transfer CalculatorDoes a 0% transfer beat staying put?
• Balloon Loan Payment CalculatorMonthly payment and final balloon due for a balloon loan.
• Balloon Payment CalculatorPayments plus the lump sum due at the end.
• Biweekly Loan Payoff CalculatorSee how biweekly payments shorten a loan.
• Biweekly Mortgage CalculatorSee how half payments every two weeks shorten your loan.
• Boat Loan CalculatorMonthly payment for a boat purchase.
• Bond Price CalculatorPrice and yield of a fixed-rate bond.
• Bond Yield to Maturity CalculatorApproximate YTM from price, coupon and years left.
• Bonus Tax CalculatorSee what is left of a bonus after supplemental withholding.
• Bridge Loan Cost CalculatorTotal cost of short-term bridging finance.
• Business Loan CalculatorRepayments and cost of a business loan.
• Cash-Out Refinance CalculatorHow much cash you can pull, and what it costs.
• CD CalculatorCertificate of deposit maturity value.
• CD Ladder CalculatorSplit cash across rungs for liquidity plus yield.
• Coast FIRE CalculatorFind if your current savings alone will fund retirement.
• Compound Interest CalculatorGrow a lump sum plus regular contributions at any compounding frequency.
• Cost of Living CalculatorSalary needed in another city.
• Cost of Raising a Child CalculatorTotal spend from birth to 18, adjusted for inflation.
• Credit Card Payoff CalculatorMonths to clear a card balance and the interest it costs.
• Credit Utilization CalculatorYour utilisation ratio and the payment to reach 30%.
• Crypto Staking Rewards CalculatorEstimated staking rewards over time with compounding.
• Currency Conversion Margin CalculatorThe hidden spread your bank charges on a transfer.
• Debt Avalanche CalculatorPay highest-rate debt first.
• Debt Avalanche Payoff CalculatorPayoff order and interest saved via the debt avalanche method.
• Debt Snowball CalculatorTotal payoff time when every freed-up payment rolls into the next debt.
• Debt Snowball Payoff CalculatorPayoff order and time using the debt snowball method.
• Debt-to-Income Ratio CalculatorThe DTI number lenders check before approving you.
• Debt-to-Income Ratio CalculatorFront-end and back-end DTI for mortgage qualification.
• Discount CalculatorSale price and money saved from any percentage off.
• Dividend Reinvestment CalculatorProject a DRIP portfolio with growth and reinvested income.
• 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.
• Emergency Fund Months CalculatorHow many months of expenses your cash covers.
• Escrow Payment CalculatorMonthly escrow, cushion and shortage spread.
• Extra Mortgage Payment CalculatorSee how many years and how much interest an extra monthly payment saves.
• Extra Payment Loan CalculatorSee the payoff time and interest saved from extra payments.
• 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.
• Grocery Budget CalculatorA realistic weekly food budget for your household.
• Gross to Net CalculatorConvert gross pay into take-home pay.
• Gross-Up Paycheck CalculatorFind the gross amount needed for a target net payment.
• HOA Fee Impact CalculatorWhat an HOA fee costs you in buying power.
• Hourly Rate From Salary CalculatorConvert a salary into a true hourly rate.
• Hourly to Salary CalculatorConvert an hourly rate into weekly, monthly and annual pay.
• House Affordability CalculatorThe price range your income and debts actually support.
• House Flipping Profit CalculatorEstimated profit from buying, renovating and selling a house.
• HSA Contribution CalculatorHow much to put in, and what it saves you in tax.
• Income-Driven Repayment CalculatorYour income-based student loan payment and forgiveness timeline.
• Inflation Adjusted Salary CalculatorIs your raise keeping up with inflation?
• Inflation CalculatorWhat money today will be worth later, and vice versa.
• Interest-Only Loan CalculatorInterest-only payment vs. full amortizing payment.
• IRR CalculatorInternal rate of return on cash flows.
• Job Offer Comparison CalculatorCompare two offers on total value, not just salary.
• Loan Amortization Schedule CalculatorPrincipal vs. interest breakdown at any point in a loan.
• Loan Comparison CalculatorCompare two loan offers side by side.
• Loan Payment CalculatorMonthly payment, total interest and payoff total for any fixed-rate loan.
• Loan Payoff Date CalculatorFind the exact date your loan will be paid off.
• Loan Refinance Break-Even CalculatorFind how many months until refinancing pays for itself.
• Marginal Tax Rate CalculatorWhat the next dollar you earn is actually taxed at.
• Money Doubling Time CalculatorHow long until an investment doubles, exactly and by the Rule of 72.
• Mortgage Payment CalculatorPrincipal, interest, tax and insurance in one monthly figure.
• Mortgage Points CalculatorIs buying down your rate with points worth it?
• Mortgage Recast CalculatorNew payment and interest saved after a lump sum.
• Motorcycle Loan CalculatorMonthly payment and total interest on a motorcycle loan.
• Moving Budget CalculatorTotal the real cost of a house move.
• Net Present Value CalculatorDiscounted value of future cash flows.
• Net Worth CalculatorAssets minus liabilities.
• Options Profit CalculatorPayoff and break-even for a long call or put.
• 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.
• Overtime Tax Impact CalculatorSee how much of your overtime pay taxes actually take.
• Paycheck CalculatorEstimate take-home pay after tax and deductions.
• Paycheck Tax CalculatorEstimate take-home pay after taxes per paycheck.
• Paycheck Tax Withholding CalculatorEstimate federal withholding and take-home pay from one paycheck.
• Pension CalculatorDefined benefit pension income.
• Pension Lump Sum vs Annuity CalculatorTake the cash or the monthly pension?
• Pension Lump Sum vs. Annuity CalculatorCompare a pension lump-sum offer to lifetime payments.
• Personal Loan CalculatorUnsecured loan payment and interest.
• PMI Removal CalculatorWhen your mortgage insurance can be cancelled.
• Portfolio Rebalance CalculatorBuy/sell amounts to return to your target mix.
• Present Value CalculatorWhat future money is worth today.
• Property Tax Proration CalculatorWho owes what at closing.
• Quarterly Estimated Tax CalculatorFind your quarterly estimated tax payment.
• Raise After Tax CalculatorConvert a pay rise into real extra money per paycheck.
• Raise Percentage CalculatorWhat a raise is worth after inflation and tax.
• Real Return CalculatorYour return after inflation, tax and fees.
• 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.
• Rental Cap Rate CalculatorCapitalization rate for a rental property.
• Renters Insurance Cost CalculatorCover you need and what it should cost.
• Restaurant Tip Share CalculatorSplit a tip pool by hours worked or role weighting.
• Retirement Savings CalculatorProjected nest egg and the income it can support.
• Reverse Sales Tax CalculatorFind the pre-tax price from a tax-included total.
• RMD CalculatorRequired minimum distribution and the tax on it.
• Roth Conversion Tax CalculatorEstimate the tax bill on converting to a Roth IRA.
• Roth IRA CalculatorTax-free retirement growth projection.
• Roth vs Traditional CalculatorWhich retirement account leaves you more after tax.
• Rule of 72 CalculatorHow long money takes to double.
• RV Loan CalculatorMonthly payment and total cost for an RV loan.
• Safe Withdrawal Rate CalculatorSustainable annual retirement withdrawal amount.
• Salary to Hourly CalculatorWhat your annual salary really works out to per hour.
• Salary vs. Contractor Rate CalculatorCompare take-home value of a salary job vs. contracting.
• 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.
• Savings Goal Date CalculatorFind the exact month you will hit a savings target.
• Self-Employment Tax CalculatorSE tax, the deductible half and what to set aside quarterly.
• Seller Net Proceeds CalculatorWhat you actually walk away with at closing.
• Severance Pay CalculatorSeverance total, tax and how long it lasts.
• Side Hustle Tax CalculatorSelf-employment tax owed on side income.
• Simple Interest CalculatorInterest on the principal only — no compounding.
• Sinking Fund CalculatorSet aside the right amount each month for a known future cost.
• Sinking Fund Monthly CalculatorHow much to save monthly for a known future expense.
• Social Security Break-Even CalculatorThe age at which delaying benefits pays off.
• Social Security CalculatorBenefit estimate by claiming age.
• Stock Average Down CalculatorNew average cost after buying more shares.
• Student Loan CalculatorRepayment plan and total interest.
• Student Loan Payoff CalculatorPayoff date, total interest and the effect of paying extra.
• Student Loan Refinance CalculatorCompare federal payments with a private refinance.
• Subscription Audit CalculatorWhat your recurring subscriptions really cost per year.
• Take-Home Pay CalculatorEstimate net pay after taxes and deductions.
• 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.
• Traditional vs. Roth IRA CalculatorCompare after-tax retirement value: Traditional vs. Roth.
• Treasury Bill Yield CalculatorConvert a T-bill discount price into real yield.
• Utility Bill Split CalculatorSplit shared bills fairly by room, income or headcount.
• Vacation Savings CalculatorMonthly saving needed to fund your next trip.
• VAT CalculatorAdd or remove value added tax at any rate.
• Velocity Banking CalculatorHELOC chunking vs straight extra mortgage payments.
• Zero-Based Budget CalculatorGive every dollar a job until the balance is zero.

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