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Smart financial calculators, built on primary-source data.

Plan your mortgage, grow your savings, pay off debt, and map your retirement. Every rate and limit is dated and traced to the agency that publishes it, and your numbers never leave your browser.

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01 · Calculators

Loans & Mortgages

Calculate payments, interest, and amortization for all types of loans.

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Mortgage

Calculate your monthly mortgage payment, total interest, and view a full amortization schedule for your home loan.

Loan Comparison

Compare two or more loan offers side by side to find the best deal based on total cost and monthly payments.

Auto Loan

Calculate your monthly car payment, total interest cost, and view the full amortization schedule for your auto loan.

Home Affordability

Find out how much house you can afford based on your income, debts, down payment, and interest rate using the 28/36 rule.

Amortization

Generate a complete amortization schedule for any loan. See how each payment splits between principal and interest over the life of your loan.

Down Payment

Calculate how much down payment you need for a home, compare PMI costs at different percentages, and see how long it takes to save your target amount.

House Payment

Calculate your total monthly house payment including principal, interest, property taxes, insurance, and PMI. See how each component adds up.

Car Affordability

Find out how much car you can afford based on your income, expenses, and down payment. Uses the 20/4/10 rule to recommend a safe vehicle budget.

Lease vs Buy Car

Compare the total cost of leasing vs buying a car over 3-6 years. See monthly payments, equity, and which option saves you more money.

Refinance

Calculate how much you could save by refinancing your mortgage. Compare your current loan to a new rate and see monthly savings, break-even point, and total interest saved.

02 · Calculators

Savings & Investment

Plan your savings goals, investment growth, and retirement funds.

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Compound Interest

See how your money grows over time with compound interest. Compare different compounding frequencies and contribution schedules.

Savings Goal

Figure out how much you need to save each month to reach your financial goal by your target date.

Investment Return

Calculate the total return and annualized performance of your investments including dividends and contributions.

CD Interest

Calculate how much interest you'll earn on a Certificate of Deposit based on deposit amount, term, APY, and compounding frequency.

ROI

Calculate your return on investment for any project or asset. Compare initial costs, ongoing expenses, and revenue to find total and annualized ROI.

Dividend

Calculate dividend income, yield, and growth over time. See how reinvesting dividends with DRIP accelerates portfolio growth and compounds your returns.

Simple Interest

Calculate simple interest on loans or investments. Enter principal, rate, and time to see total interest earned, final amount, and daily interest accrual.

03 · Calculators

Debt Management

Strategize your debt payoff and understand the true cost of borrowing.

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Debt Payoff

Create a debt payoff plan using avalanche or snowball methods. See exactly when you'll be debt-free.

Credit Card Payoff

Calculate how long it takes to pay off credit card debt and how much interest you'll pay with minimum vs. fixed payments.

Student Loan

Calculate your student loan monthly payment, total interest cost, and payoff timeline. Compare standard, graduated, and accelerated repayment plans.

Debt-to-Income

Calculate your debt-to-income ratio (DTI) to see how lenders evaluate your finances. Compare front-end and back-end DTI against mortgage qualification thresholds.

04 · Calculators

Financial Planning

Budget, plan for emergencies, and make informed financial decisions.

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Retirement

Estimate how much you need to save for retirement and whether you're on track to meet your goals.

Emergency Fund

Determine how much you should have in your emergency fund based on your monthly expenses and risk factors.

50/30/20 Budget

Apply the 50/30/20 budget rule to your income. See exactly how much to allocate to needs, wants, and savings each month.

Rent vs Buy

Compare the true cost of renting vs buying a home over time. See your break-even point and which option builds more wealth.

FIRE

Calculate your Financial Independence, Retire Early (FIRE) number. See how soon you can reach financial freedom based on savings rate and expenses.

Income Tax

Estimate your federal income tax for 2026 based on filing status, income, deductions, and credits. See your effective and marginal tax rates.

Net Worth

Calculate your net worth by adding up all assets and subtracting liabilities. Track your financial health over time.

Paycheck

Estimate your take-home pay after federal and state taxes, Social Security, Medicare, and retirement contributions from each paycheck.

Inflation

Calculate how inflation erodes purchasing power over time. See the future cost of goods and the real value of your savings at any inflation rate.

Salary to Hourly

Convert your annual salary to an hourly rate, see your effective rate after PTO, and view a full pay period breakdown with after-tax estimates.

Tip

Calculate the right tip amount for any service. Split bills among multiple people and see per-person totals with customizable tip percentages.

Break-Even

Calculate your break-even point in units and revenue. See how fixed costs, variable costs, and price per unit determine when your business starts turning a profit.

Capital Gains Tax

Estimate your capital gains tax on stocks, real estate, and other investments. Compare short-term vs long-term rates and see your net profit after taxes.

Self-Employment Tax

Calculate your self-employment tax (Social Security and Medicare) as a freelancer or 1099 contractor. See your SE tax, deductible half, and quarterly estimated payments.

Hourly to Salary

Convert your hourly wage to an annual salary, see gross and net pay at every frequency, and model overtime earnings with a full reference table.

Profit Margin

Calculate gross, operating, and net profit margins from revenue and costs. Compare margin scenarios and see how pricing changes affect your bottom line.

Guides

Financial guides

In-depth articles with real numbers, case studies, and steps you can act on.

All guides

Featured guide

How Much House Can I Afford? Complete Guide by Income Level

Learn exactly how much home you can afford based on your salary, debts, and down payment. Includes income-based tables, a real case study, and the formulas lenders actually use.

Read the guide

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Rates, limits, and brackets come from the Federal Reserve, IRS, Census Bureau, and Freddie Mac. Each figure is dated and linked, and the assumptions behind every tool are on our methodology page.

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