Finance Calculators

144 free tools, grouped by topic.

Taxes

1099 Tax CalculatorEstimate the federal tax on your 1099 contractor income in seconds. Estimates 2024 US federal self-employment + income tax for 1099 contractors, not tax advice.
Capital Gains Tax CalculatorEstimate tax on your investment gains. Compare long-term and short-term outcomes, see your after-tax gain and effective rate. Estimates 2024 US federal capital gains tax, not tax advice.
Estimated Tax CalculatorEstimate your quarterly federal estimated tax from self-employment profit and other income. Includes self-employment and income tax for 2024.
Federal Income Tax CalculatorEstimate your US federal income tax from your taxable income and filing status. See your tax, effective rate, and marginal rate instantly. Estimates 2024 US federal brackets on taxable income, not tax advice.
GST CalculatorAdd or remove GST from any amount. See the base, tax, and total instantly. Free, accurate, and private.
Income Tax CalculatorEstimate your federal income tax, taxable income, and effective rate from your gross income and filing status. Estimates 2024 US federal tax only, not tax advice.
Lottery Tax CalculatorSee how much of a jackpot you keep after federal tax. Estimates 2024 US federal tax on lottery/gambling winnings, excludes state tax; not tax advice.
Marriage Tax CalculatorCompare federal income tax filing jointly versus single to see your marriage penalty or bonus. Based on the 2024 federal brackets.
Property Tax CalculatorEstimate annual and monthly property tax from assessed value, mill rate, and exemptions, plus the effective tax rate.
Sales Tax CalculatorAdd sales tax to a price or back the tax out of a tax-inclusive total. Enter the amount and rate for the base price, tax, and total.
Self-Employment Tax CalculatorCalculate the self-employment (SECA) tax you owe on your net profit, plus the deductible half. Estimates 2024 US self-employment (SECA) tax, not tax advice.
Tax Bracket CalculatorFind which tax bracket you fall into and what you actually pay. Shows your 2024 US federal marginal bracket and effective rate, not tax advice.
Tax Refund CalculatorCompare your federal tax withheld against what you owe to see your estimated refund or balance due. Estimates your 2024 US federal refund or balance due, not tax advice.
VAT CalculatorAdd or remove VAT from any price and see the net, VAT, and gross amounts. Free and accurate.

Retirement

4% Rule CalculatorEstimate a safe retirement withdrawal using the 4% rule, with annual and monthly amounts. Free and accurate.
401(k) CalculatorProject the future value of your 401(k) from your salary, contribution rate, employer match, expected return, and years to retirement. Free and accurate.
401(k) Contribution CalculatorSee your per-paycheck 401(k) contribution, the employer match you earn, and the annual total, capped at the 2024 IRS deferral limit.
Annuity CalculatorCalculate the future value or present value of a monthly annuity, with support for ordinary annuities and annuities due.
Annuity Payout CalculatorCalculate the monthly payout from a fixed annuity that depletes the principal over the term. Free and accurate.
FIRE CalculatorFind your FIRE number and how many years of saving it takes to reach financial independence at your chosen withdrawal rate.
IRA CalculatorProject the future value of an IRA from your current balance, annual contributions, and expected return. Free retirement savings calculator.
Pension CalculatorEstimate a defined-benefit pension from final salary, years of service, and the plan accrual rate. Free annual and monthly pension calculator.
Pension Lump Sum vs Annuity CalculatorCompare the monthly income a pension lump sum could generate against the offered monthly pension. Free and accurate.
Retirement CalculatorProject how much your savings will be worth at retirement from your current age, retirement age, starting balance, monthly contributions, and expected return. Free and accurate.
Retirement Savings CalculatorProject how much your retirement savings will grow from your current balance, monthly contributions, expected return, and time horizon. Free and accurate.
Retirement Withdrawal CalculatorSee how much you can withdraw from a retirement nest egg and how long it lasts at a given return. Free calculator built around the 4% rule.
RMD CalculatorEstimate your required minimum distribution from an IRA or 401(k) using the IRS Uniform Lifetime Table. Enter your balance and age.
Roth IRA CalculatorProject the future value of your Roth IRA from a starting balance, annual contribution, expected return, and time horizon. See how much grows tax-free.
Social Security CalculatorRough estimate of your monthly Social Security benefit at full retirement age using 2024 bend points, not official; not advice.
Traditional vs Roth IRA CalculatorCompare the after-tax retirement value of a Traditional IRA versus a Roth IRA for the same yearly contribution.

Mortgages & Home

15 vs 30 Year Mortgage CalculatorCompare a 15-year and a 30-year mortgage side by side. See the monthly payment, total interest, and how much interest you save with the shorter term.
ARM Mortgage CalculatorCalculate an adjustable-rate mortgage payment before and after the rate adjusts. See your initial payment, the new payment once the fixed period ends, and the increase. Free and accurate.
Balloon Loan CalculatorCalculate the low monthly payment and the large balloon balance due at the end of a balloon loan that is amortized over a longer term.
Biweekly Mortgage CalculatorSee how biweekly mortgage payments shorten your loan and reduce total interest compared with a standard monthly schedule.
BRRRR CalculatorAnalyze a BRRRR rental deal: cash left in the deal, new equity, and monthly cash flow after refinance.
Cap Rate CalculatorCalculate the capitalization rate of an investment property from its net operating income and value, or find the implied property value from a target cap rate.
Closing Cost CalculatorEstimate total mortgage closing costs from lender fees, third-party fees, discount points, and prepaid items, and see them as a percentage of the price.
Down Payment CalculatorCalculate your home down payment and remaining loan amount from the home price and down payment percent. Free and accurate.
DSCR CalculatorCalculate the debt service coverage ratio from net operating income and annual debt service, with a clear rating. Free and accurate.
FHA Loan CalculatorEstimate your FHA loan payment with upfront and monthly mortgage insurance premiums included. Free and based on documented 2024 MIP rates.
HELOC CalculatorCalculate your interest-only payment during a HELOC draw period and your fully amortizing payment once repayment begins. Free and accurate.
Home Equity Loan CalculatorCalculate how much equity you can borrow at a given loan-to-value limit and the fixed monthly payment, total interest, and total cost of a home equity loan.
House Affordability CalculatorEstimate how much house you can afford using the 28/36 DTI rule from your income, debts, down payment, rate, and term. Free and accurate.
Interest-Only Mortgage CalculatorSee your low interest-only mortgage payment during the initial period, then the jump to a higher payment when principal repayment begins. Free and accurate.
Jumbo Loan CalculatorEstimate the monthly payment and total interest on a jumbo mortgage above the conforming loan limit. Enter the amount, rate, and term.
LTV CalculatorCalculate loan to value and combined LTV ratios and see whether PMI is likely. Free and accurate.
Mortgage Amortization CalculatorCalculate your monthly mortgage payment, total interest, and total cost from the loan amount, rate, and term in years. Free and accurate.
Mortgage CalculatorEstimate your full monthly mortgage payment, PITI (principal, interest, property tax, and insurance) plus HOA dues, from the home price, down payment, rate, and term. Free and accurate.
Mortgage Payoff CalculatorSee how extra monthly payments shorten your mortgage and cut total interest. Enter your balance, rate, remaining term, and extra payment to find your new payoff date and savings.
Mortgage Points CalculatorSee whether buying mortgage points pays off. Compare the monthly payment with and without points, the upfront cost, and the break-even point in months.
Mortgage Refinance CalculatorSee your new monthly payment, monthly savings, and how many months it takes to break even on closing costs when you refinance your mortgage. Free and accurate.
Mortgage Required Income CalculatorFind the income needed to qualify for a mortgage payment using the 28% front-end and 36% back-end debt-to-income limits.
PITI CalculatorCalculate your full monthly mortgage payment including principal, interest, property taxes, insurance, and HOA dues.
PMI CalculatorEstimate monthly private mortgage insurance and find when your balance reaches the 80% and 78% loan-to-value points where PMI can be removed.
Refinance Break-Even CalculatorFind out how many months until your refinance savings cover the closing costs. Enter your current and new payment plus closing costs to see the break-even point.
Rent Affordability CalculatorSee how much rent you can afford from your income using the 30% and 3x rent rules. Free and accurate.
Rent vs Buy CalculatorCompare renting against buying by pitting your monthly rent against the mortgage payment on a home. Free and fast.
Rental Property CalculatorAnalyze a rental property with monthly cash flow, cap rate, and cash-on-cash return from the price, financing, rent, expenses, and vacancy.
VA Loan CalculatorEstimate your VA loan payment with the funding fee financed in and no monthly mortgage insurance. Free and based on documented 2024 rates.

Loans & Debt

Amortization Schedule CalculatorCalculate your monthly payment and see how the very first payment splits into interest versus principal. Free and accurate.
APR CalculatorConvert a loan rate plus fees into the true APR, with the monthly payment and total finance charge.
Auto Lease CalculatorEstimate a car lease monthly payment from the negotiated price, residual value, money factor, term, and sales tax, with the depreciation and finance split.
Auto Loan CalculatorCalculate your car loan payment from the vehicle price, down payment, trade-in, and sales tax. See the monthly payment, total interest, and amount financed.
Auto Refinance CalculatorCompares your current car payment to a refinanced one and shows the new monthly payment and how much you would save each month. Free and accurate.
Balance Transfer CalculatorCompare keeping a credit card balance against a balance transfer: see the fee, interest both ways, and your net savings. Free and accurate.
Boat Loan CalculatorEstimate the monthly payment, total interest, and amount financed on a boat loan after down payment, trade-in, and sales tax.
Business Loan CalculatorCalculate the monthly payment, total interest, and total cost of a business loan, including the origination fee, from the amount, rate, term, and fee percentage. Free and accurate.
Credit Card Interest CalculatorSee the daily, monthly, and yearly interest a credit card balance racks up at its APR when you carry it. Free credit card interest calculator.
Credit Card Minimum Payment CalculatorSee how long it takes to pay off a credit card making only the minimum payment, plus the total interest it costs. Free and accurate.
Credit Card Payoff CalculatorSee how many months it takes to pay off a credit card and the total interest you will pay from your balance, APR, and monthly payment. Free and accurate.
Debt Avalanche CalculatorSee how fast you can be debt-free with the avalanche method: pay the highest APR first to minimize the interest you pay, then roll that payment into the next-highest rate. Free and accurate.
Debt Consolidation CalculatorCompare the total interest of paying off your current debts versus rolling them into a single consolidation loan. See your new payment and how much interest you could save.
Debt Payoff CalculatorSee how long it takes to pay off a debt and the total interest you will pay from your balance, APR, and monthly payment. Free and accurate.
Debt Snowball CalculatorSee how fast you can be debt-free with the snowball method: pay the smallest balance first, then roll its payment into the next-smallest debt. Free and accurate.
Debt-to-Income CalculatorCalculate your debt-to-income (DTI) ratio from your monthly debt payments and gross monthly income. Lenders generally prefer a DTI at or below the 36% guideline. Free and accurate.
EMI CalculatorCalculate your loan EMI, total payment, and total interest from the principal, rate, and tenure. Free and accurate.
Income-Driven Repayment CalculatorEstimate federal student loan payments under PAYE, IBR, and SAVE from your income and family size. 2024 estimate.
Lease vs Buy CalculatorCompare the total cost of leasing a car versus financing it. Enter lease terms, loan terms, and the car resale value to see which is cheaper.
Loan CalculatorCalculate the monthly payment, total interest, and total cost of any loan from the amount, rate, and term. Free and accurate.
Loan Comparison CalculatorCompare two loan offers on the same amount side by side. See each monthly payment and total interest, and find out which loan is cheaper.
Loan Payment CalculatorCalculate your monthly loan payment, total interest, and total cost from the loan amount, interest rate, and term. Free and accurate.
Loan Payoff CalculatorSee how extra monthly payments shorten your loan and cut total interest. Compare payoff time and interest with and without the extra payment.
Motorcycle Loan CalculatorEstimate the monthly payment, total interest, and amount financed on a motorcycle loan after down payment, trade-in, and sales tax.
Personal Loan CalculatorCalculate the monthly payment, total interest, and total cost of a personal loan from the amount, rate, and term. Free and accurate.
RV Loan CalculatorEstimate the monthly payment, total interest, and amount financed on an RV or motorhome loan after down payment, trade-in, and sales tax.
SBA Loan CalculatorEstimate SBA 7(a) loan payments, total interest, and the one-time guarantee fee. Enter your amount, rate, and term for a full monthly and lifetime cost breakdown.
Student Loan CalculatorCalculate the monthly payment, total interest, and total cost of a student loan from the balance, rate, and term. Free and accurate.
Student Loan Payoff CalculatorSee how extra monthly payments shorten a student loan and how much interest you save, with month-by-month accuracy.
Student Loan Refinance CalculatorCompare a student loan refinance: new monthly payment, monthly savings, and total interest at a new rate and term.

Salary & Income

Freelance Rate CalculatorWork out the hourly rate you need to charge from your target income, expenses, and billable hours. Free and accurate.
Gross to Net Pay CalculatorTurn gross pay into estimated take-home pay by subtracting pre-tax deductions, a flat tax rate, and post-tax deductions.
Hourly to Salary CalculatorConvert an hourly wage to annual, monthly, biweekly, weekly, and daily salary in seconds. Enter your hourly rate and hours per week to see all pay period totals.
Paycheck CalculatorWork out your take-home pay per paycheck from your annual salary, filing status, and pay schedule. Estimates 2024 US federal take-home pay per paycheck, excludes state tax; not tax advice.
Salary Comparison CalculatorCompare two job offers by total compensation and cost-of-living-adjusted value. Free salary comparison calculator, private and fast.
Salary Raise CalculatorCalculate your new salary and raise amount from a percentage increase. Free and private.
Salary to Hourly CalculatorConvert an annual salary into hourly, daily, weekly, biweekly, and monthly pay based on your hours and weeks worked.
Take-Home Pay CalculatorSee your net pay after federal income tax and FICA. Estimates 2024 US federal annual & monthly take-home pay, excludes state tax; not tax advice.
UK Salary CalculatorWork out your UK take-home pay from your gross annual salary. Estimates 2024/25 England take-home pay (income tax + employee NI), excludes pension, student loan & Scotland rates; not tax advice.

Investing & Savings

529 College Savings CalculatorProject the future value of a 529 college savings plan from current savings, monthly contributions, return, and years to college.
APY CalculatorConvert a nominal interest rate and compounding frequency into annual percentage yield, with one-year interest.
Bond Price CalculatorPrice a bond from its face value, coupon rate, yield to maturity, and term to see its present value, total coupon income, and current yield.
Bond Yield CalculatorCalculate a bond current yield and estimated yield to maturity from its face value, coupon rate, price, and term. Free and private.
CAGR CalculatorCalculate the compound annual growth rate from a beginning value, ending value, and number of years. Free CAGR and total-growth calculator.
CD CalculatorCalculate the maturity value, interest earned, and APY on a certificate of deposit from rate, term, and compounding frequency.
CD Ladder CalculatorPlan a CD ladder in seconds: see the amount per rung, the total value at maturity, and interest earned from your deposit and APY across staggered terms.
Compound Interest CalculatorCalculate how much a lump-sum investment grows with compound interest. Enter principal, rate, years, and compounding frequency to see the final amount and interest earned.
Crypto Profit CalculatorWork out the profit or loss on a crypto trade after buy and sell fees, with your return as a percentage of cost.
Dividend CalculatorWork out dividend income from your shares, price, and dividend yield, broken down by year, quarter, and month. Free dividend income calculator.
Dividend Yield CalculatorCalculate dividend yield from annual dividend and share price, plus cost and yearly income for a holding.
Dollar Cost Averaging CalculatorSee how averaging into an asset over several fixed-dollar buys builds up your shares, your average cost, and your return.
Emergency Fund CalculatorFind out how big your emergency fund should be and how long it will take to build. Based on your monthly expenses, target coverage, and monthly saving.
Future Value CalculatorCalculate the future value of a lump sum and monthly contributions with compound interest. Free and private.
Inflation CalculatorCalculate the future cost and lost buying power of money over time at a given inflation rate. Free and private.
Interest CalculatorCalculate simple or compound interest on any principal. Enter the rate, term, and compounding frequency to see the interest earned and the final balance.
Investment CalculatorSee how an investment grows from a starting balance and monthly contributions at a given return. Free compound-growth calculator with no signup.
IRR CalculatorCalculate the internal rate of return (IRR) from a series of cash flows. Enter the initial outlay and each period return for one annualized rate on an uneven investment or project.
Money Market Account CalculatorProject the balance of a money market account from its APY, an opening deposit, and your monthly contributions.
Net Worth CalculatorAdd your assets, subtract your liabilities, and see your net worth. Free and accurate.
NPV CalculatorDiscount a series of cash flows to their net present value using a chosen discount rate.
Portfolio Rebalancing CalculatorWork out the buys and sells to rebalance your portfolio to a target allocation. Free portfolio rebalancing calculator, private and fast.
Present Value CalculatorCalculate the present value of a future sum of money at a chosen discount rate. Free and private.
Rate of Return CalculatorCalculate the total and annualized rate of return on an investment. Include dividends or other income and any holding period in years.
ROI CalculatorCalculate return on investment as a total percentage and an annualized rate from your cost, final value, and holding period.
Savings CalculatorSee how much your savings will grow with a starting balance, monthly deposits, and a fixed interest rate, with total contributions and interest earned.
Savings Goal CalculatorFind the monthly deposit needed to reach a savings goal by a set date, with interest. Free and accurate.
Simple Interest CalculatorCalculate simple interest and the total amount from a principal, annual rate, and time in years. Free and accurate.
SIP CalculatorEstimate the future value of a monthly SIP investment, including invested amount and estimated returns. Free and accurate.
Stock Average CalculatorFind your average cost per share and total cost basis across multiple stock purchases.
Stock Profit CalculatorCalculate net profit or loss and percentage return on a stock trade after buy and sell commissions.
Stock Return CalculatorCalculate total and annualized stock return from buy price, sell price, dividends, and holding period. Free and accurate.
Time Value of Money CalculatorCalculate the future value or present value of money over time. Handles a lump sum, recurring deposits, an interest rate, and any compounding frequency.

Budget & Spending

50/30/20 Budget CalculatorSplit your monthly take-home pay into needs, wants, and savings with the 50/30/20 rule. See the dollar target for each category, monthly and yearly.
Break-Even CalculatorFind the break-even point in units and revenue from your fixed costs, selling price, and variable cost per unit.
Budget CalculatorAdd up monthly expenses, see your leftover balance and savings rate, and compare against the 50/30/20 rule. Free.
Car Affordability CalculatorFind out how much car you can afford from your monthly budget, interest rate, loan term, and down payment. Free and accurate.
College Cost CalculatorProject the inflation-adjusted total cost of college and the monthly savings needed to fund it from your current savings and expected return.
Cost of Living CalculatorFind the salary you would need in another city to keep the same lifestyle, using cost-of-living indices. Free and accurate.
Depreciation CalculatorCalculate depreciation expense, accumulated depreciation, and book value by year using straight-line, double declining balance, or sum-of-years-digits.
Discount CalculatorCalculate the sale price and the amount saved from a percent-off discount. Enter the original price and discount percent.
Invoice CalculatorTotal an invoice from line items with quantity and price, apply a discount, and add sales tax. See the subtotal, discount, tax, and grand total.
Markup CalculatorCalculate selling price, profit, and margin from a cost and markup percentage. Free and private.
Mileage Reimbursement CalculatorCalculate mileage reimbursement using the 2024 IRS standard rates for business, medical, moving, and charity driving. Free and accurate.
Profit Margin CalculatorCalculate gross profit, profit margin, and markup from a sale price and cost. See why margin and markup are not the same number.
Tip CalculatorCalculate the tip and split the bill. Enter the bill, tip percent, and party size to see the tip, total, and amount per person.