Free · private · no sign-up
Financial calculators that show the math.
53 calculators for saving, retirement, buying a home, borrowing and running a business. Each one explains its formula, its assumptions and what it leaves out.
Search by topic, calculator name or question.
Popular:
- Runs in your browserNothing you enter is sent to us or put in a link.
- No sign-upNo accounts, no cookies, no ads, no tracking.
- Formulas shownEvery page states its math, timing and exclusions.
Browse by topic
All calculators- Savings & investing12 calculatorsCompound interest · APY · CD maturity · Inflation
- Retirement5 calculatorsRetirement savings · Retirement withdrawal · FIRE
- Home & mortgage8 calculatorsMortgage payment · Mortgage refinance · Rent vs. buy · Down payment
- Loans & debt12 calculatorsCredit card payoff & interest · Auto loan · APR · Personal loan
- Everyday & business11 calculatorsBudget · Net worth · Break-even · NPV
- Compare5 comparisons15 vs 30 year mortgage · Lease vs buy a car · Mortgage recast vs refinance
Most used
Good starting points for common money questions.
- Mortgage paymentSee the monthly payment, loan amount, loan-to-value, and total interest from a home price and down payment.Open calculator
- Compound interestProject savings growth with compounding and regular contributions.Open calculator
- Amortization calculator: loan payment & scheduleEstimate payments and see how each month reduces the balance.Open calculator
- Personal loanMonthly payment, total interest, and APR including an origination fee.Open calculator
- Credit card payoff & interestPayoff time or required payment, compared with paying only the minimum.Open calculator
- Retirement savingsModel retirement contributions and their inflation-adjusted value.Open calculator
All calculators
53 calculators
No calculators match that search. Try a broader term, a tool name, or a question like “how much house can I afford”.
Savings & investing
12 calculatorsCompound interestProject savings growth with compounding and regular contributions.Savings goalWork backward from a target to a manageable monthly contribution.Simple interestFind interest and final value when interest is based on the original principal.APYCompare nominal interest with the effective annual result of compounding.CD maturityProject a fixed deposit through its entered certificate term.InflationCompare dollars across years with US CPI data, or project a price at an assumed rate.CAGRFind the smoothed annual growth rate between two values.ROICompare net gain with the capital used to create it.Investment fee impactModel the balance difference caused by an ongoing investment fee.Emergency fundSet a cash reserve target and measure the remaining gap.Savings timeFind the time needed to reach a savings target.Future valueFuture value of a lump sum plus regular contributions.
Retirement
5 calculatorsRetirement savingsModel retirement contributions and their inflation-adjusted value.Retirement withdrawalModel a withdrawal runway using transparent assumptions.FIREConnect spending assumptions with a savings target and timeline.401(k)401(k) balance at retirement with employer match and IRS limits.Roth IRARoth IRA balance at retirement within the 2026 IRS limit.How long $500k lasts in retirementRunway of $500k by monthly withdrawal and return, and the 4% rule income.How long $1 million lasts in retirementRunway of $1 million by monthly withdrawal and return, and the 4% rule income.How long $2 million lasts in retirementRunway of $2 million by monthly withdrawal and return, and the 4% rule income.How long $2.5 million lasts in retirementRunway of $2.5 million by monthly withdrawal and return, and the 4% rule income.How long $3 million lasts in retirementRunway of $3 million by monthly withdrawal and return, and the 4% rule income.
Home & mortgage
8 calculatorsMortgage paymentSee the monthly payment, loan amount, loan-to-value, and total interest from a home price and down payment.Mortgage affordabilityEstimate the maximum home price from income, debts, down payment, and the 28/36 ratios.Mortgage refinanceSee how a new rate, term, and upfront cost change a remaining mortgage.Rent vs. buyMake the rent-versus-buy assumptions visible over time.Down paymentPlan a purchase cash target from price, percentage, and costs.Loan-to-valueSee how much of a property's value is financed.Home equity loan & HELOCBorrowing limit from your equity, plus loan or HELOC payments.Mortgage recastNew payment after a lump-sum recast, compared with prepaying.$100k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $100k loan.$150k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $150k loan.$200k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $200k loan.$250k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $250k loan.$300k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $300k loan.$350k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $350k loan.$400k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $400k loan.$500k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $500k loan.$600k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $600k loan.$700k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $700k loan.$800k mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $800k loan.$1 million mortgage paymentMonthly payment, income needed and 15 vs 30 years for a $1 million loan.How much house can I afford on $50kMaximum home price on a $50k salary by down payment, debts and rate.How much house can I afford on $60kMaximum home price on a $60k salary by down payment, debts and rate.How much house can I afford on $70kMaximum home price on a $70k salary by down payment, debts and rate.How much house can I afford on $80kMaximum home price on a $80k salary by down payment, debts and rate.How much house can I afford on $100kMaximum home price on a $100k salary by down payment, debts and rate.How much house can I afford on $120kMaximum home price on a $120k salary by down payment, debts and rate.How much house can I afford on $150kMaximum home price on a $150k salary by down payment, debts and rate.How much house can I afford on $200kMaximum home price on a $200k salary by down payment, debts and rate.
Loans & debt
12 calculatorsAmortization calculator: loan payment & scheduleEstimate payments and see how each month reduces the balance.Mortgage payoff & extra paymentCompare payoff time and interest with a fixed monthly extra payment.Debt payoffCompare avalanche and snowball payoff plans across multiple debts.Loan comparisonCompare payment size with the full cost of two loan options.Debt-to-income ratioSee how recurring debt payments compare with gross monthly income.Auto loanModel a car payment with vehicle-specific cash inputs.Loan affordabilityTurn a chosen payment limit into an estimated loan amount.APRCompare the cost of a loan after fees are included in the cash received.Balloon loanModel regular payments plus a large final balance.Personal loanMonthly payment, total interest, and APR including an origination fee.Credit card payoff & interestPayoff time or required payment, compared with paying only the minimum.Car refinanceNew payment, savings, and lifetime cost of refinancing an auto loan.
Everyday & business
11 calculatorsNet worthOrganize what you own and owe into one balance-sheet view.BudgetTurn monthly income into a clear allocation plan.Hourly to salaryCompare gross pay across hourly and salary periods.Profit marginSeparate profit margin from markup with transparent inputs.Break-evenFind when sales cover fixed and variable costs.NPVCompare future cash flows with their value at the starting date.IRRSolve for the periodic return that makes NPV equal zero.PercentagePercent of a number, percentage change and percent difference.Percent off & discountSale price, savings, stacked discounts and percent off.Sales taxAdd or remove sales tax, or find the rate from a receipt.TipTip, total and each share, before or after tax.$16 an hour is how much a yearYearly, monthly and biweekly pay at $16 an hour, with hours, overtime and BLS wage data.$17 an hour is how much a yearYearly, monthly and biweekly pay at $17 an hour, with hours, overtime and BLS wage data.$18 an hour is how much a yearYearly, monthly and biweekly pay at $18 an hour, with hours, overtime and BLS wage data.$19 an hour is how much a yearYearly, monthly and biweekly pay at $19 an hour, with hours, overtime and BLS wage data.$20 an hour is how much a yearYearly, monthly and biweekly pay at $20 an hour, with hours, overtime and BLS wage data.$21 an hour is how much a yearYearly, monthly and biweekly pay at $21 an hour, with hours, overtime and BLS wage data.$22 an hour is how much a yearYearly, monthly and biweekly pay at $22 an hour, with hours, overtime and BLS wage data.$23 an hour is how much a yearYearly, monthly and biweekly pay at $23 an hour, with hours, overtime and BLS wage data.$24 an hour is how much a yearYearly, monthly and biweekly pay at $24 an hour, with hours, overtime and BLS wage data.$25 an hour is how much a yearYearly, monthly and biweekly pay at $25 an hour, with hours, overtime and BLS wage data.$26 an hour is how much a yearYearly, monthly and biweekly pay at $26 an hour, with hours, overtime and BLS wage data.$27 an hour is how much a yearYearly, monthly and biweekly pay at $27 an hour, with hours, overtime and BLS wage data.$28 an hour is how much a yearYearly, monthly and biweekly pay at $28 an hour, with hours, overtime and BLS wage data.$30 an hour is how much a yearYearly, monthly and biweekly pay at $30 an hour, with hours, overtime and BLS wage data.$32 an hour is how much a yearYearly, monthly and biweekly pay at $32 an hour, with hours, overtime and BLS wage data.$35 an hour is how much a yearYearly, monthly and biweekly pay at $35 an hour, with hours, overtime and BLS wage data.$40 an hour is how much a yearYearly, monthly and biweekly pay at $40 an hour, with hours, overtime and BLS wage data.$45 an hour is how much a yearYearly, monthly and biweekly pay at $45 an hour, with hours, overtime and BLS wage data.$50 an hour is how much a yearYearly, monthly and biweekly pay at $50 an hour, with hours, overtime and BLS wage data.$60 an hour is how much a yearYearly, monthly and biweekly pay at $60 an hour, with hours, overtime and BLS wage data.$30,000 a year is how much an hourHourly, weekly and biweekly pay on $30,000 a year, with hours and BLS wage data.$35,000 a year is how much an hourHourly, weekly and biweekly pay on $35,000 a year, with hours and BLS wage data.$40,000 a year is how much an hourHourly, weekly and biweekly pay on $40,000 a year, with hours and BLS wage data.$45,000 a year is how much an hourHourly, weekly and biweekly pay on $45,000 a year, with hours and BLS wage data.$50,000 a year is how much an hourHourly, weekly and biweekly pay on $50,000 a year, with hours and BLS wage data.$55,000 a year is how much an hourHourly, weekly and biweekly pay on $55,000 a year, with hours and BLS wage data.$60,000 a year is how much an hourHourly, weekly and biweekly pay on $60,000 a year, with hours and BLS wage data.$65,000 a year is how much an hourHourly, weekly and biweekly pay on $65,000 a year, with hours and BLS wage data.$70,000 a year is how much an hourHourly, weekly and biweekly pay on $70,000 a year, with hours and BLS wage data.$75,000 a year is how much an hourHourly, weekly and biweekly pay on $75,000 a year, with hours and BLS wage data.$80,000 a year is how much an hourHourly, weekly and biweekly pay on $80,000 a year, with hours and BLS wage data.$85,000 a year is how much an hourHourly, weekly and biweekly pay on $85,000 a year, with hours and BLS wage data.$90,000 a year is how much an hourHourly, weekly and biweekly pay on $90,000 a year, with hours and BLS wage data.$95,000 a year is how much an hourHourly, weekly and biweekly pay on $95,000 a year, with hours and BLS wage data.$100,000 a year is how much an hourHourly, weekly and biweekly pay on $100,000 a year, with hours and BLS wage data.
Compare
5 calculators15 vs 30 year mortgagePayments, interest and equity for both terms, with an option to invest the difference.Lease vs buy a carTotal cost of leasing against financing the same car over the lease term.Debt consolidationWhether one loan beats your current debts on payment, interest and payoff time.Mortgage recast vs refinancePayment and total cost of recasting with a lump sum or refinancing.Pay off mortgage early or investNet worth from prepaying the mortgage versus investing the same money.
Methodology
How the numbers are worked out
Every calculator lists the formula it uses, when interest compounds, when payments fall and what it excludes. Rates and returns are assumptions you enter, not forecasts.
Read the methodology- P
- principal borrowed
- r
- annual rate ÷ 12
- n
- number of monthly payments