Financial calculators that actually show their work
Mortgages, loans, debt payoff, taxes and retirement — with full amortization schedules, fee breakdowns and plain-English explanations of what the numbers mean.
Mortgage
Buying, refinancing and paying off a home loan.
15 vs 30 Year Mortgage Calculator
Compare a 15-year and a 30-year mortgage side by side: payment difference, total interest, and what happens if you invest the difference instead.
Open calculator →Amortization Schedule Calculator
Generate a complete year-by-year amortization schedule for any loan: see principal, interest and remaining balance for every period.
Open calculator →Biweekly Mortgage Calculator
See how switching to biweekly mortgage payments shortens your loan and cuts interest — and whether it beats simply adding extra to a monthly payment.
Open calculator →Cash-Out Refinance Calculator
Calculate how much cash you can pull from your home equity, the new payment, and what the borrowed money actually costs over the life of the loan.
Open calculator →Closing Cost Calculator
Estimate lender fees, title costs, prepaid escrow and taxes so you know exactly how much cash you need at the closing table.
Open calculator →HELOC Payment Calculator
Estimate interest-only payments during your HELOC draw period and the higher amortizing payment once repayment begins — plus how much you can borrow.
Open calculator →Home Affordability Calculator
Find the maximum home price you can realistically afford based on your income, debts, down payment and current rates — using the same 28/36 rules lenders apply.
Open calculator →Mortgage Calculator
Estimate your full monthly mortgage payment — principal, interest, property tax, homeowners insurance, HOA and PMI — plus total interest over the life of the loan.
Open calculator →Mortgage Payoff Calculator (Extra Payments)
See how many years and how many dollars of interest you save by adding extra to your monthly mortgage payment. Includes a full payoff schedule.
Open calculator →PMI Calculator
Work out your monthly private mortgage insurance premium, the total you will pay, and the month your balance reaches the point where PMI must be cancelled.
Open calculator →Refinance Calculator
Compare your current mortgage against a new one. See your monthly saving, break-even month, and whether refinancing actually leaves you ahead.
Open calculator →Rent vs Buy Calculator
Compare the true cost of renting against buying over your expected time in the home, including equity built, appreciation, maintenance and the return on money you would otherwise invest.
Open calculator →Loans
Auto, personal and student loans — payments and total cost.
APR Calculator
Convert a headline interest rate plus fees into a true annual percentage rate, so you can compare loan offers on the same basis.
Open calculator →Auto Loan Calculator
Work out your real monthly car payment including sales tax, fees, trade-in value and negative equity — and see the total interest you will pay.
Open calculator →Car Affordability Calculator
Work out the maximum car price your budget supports, including insurance, fuel and maintenance — not just the loan payment.
Open calculator →Lease vs Buy Car Calculator
Compare the total cost of leasing against buying the same vehicle over your chosen period, accounting for resale value and the cash you tie up.
Open calculator →Loan Comparison Calculator
Put two loan offers side by side. Compare monthly payment, total interest and total cost including fees so you can see which one is genuinely cheaper.
Open calculator →Personal Loan Calculator
Calculate the monthly payment and true cost of a personal loan, including origination fees that are deducted before you receive the money.
Open calculator →Student Loan Payoff Calculator
See how long your student loans will take to clear, how much interest they will cost, and what extra payments do to both numbers.
Open calculator →Debt
Getting out of credit card and consumer debt faster.
Balance Transfer Calculator
Work out whether a 0% balance transfer saves money after the transfer fee, and what payment you need to clear the balance before the promotional rate ends.
Open calculator →Credit Card Payoff Calculator
See how long a credit card balance takes to clear on minimum payments versus a fixed monthly amount, and exactly how much interest each path costs.
Open calculator →Credit Utilization Calculator
Calculate your overall and per-card credit utilisation, and see exactly how much you need to pay down to reach a healthier ratio.
Open calculator →Debt Consolidation Calculator
Compare your current debts against a single consolidation loan: new payment, total interest, and whether consolidating actually saves you money.
Open calculator →Debt Snowball vs Avalanche Calculator
Compare the debt snowball and debt avalanche methods across up to four debts. See which clears your balances faster and which costs less interest.
Open calculator →Debt-to-Income Ratio Calculator
Calculate your front-end and back-end DTI ratios the way mortgage underwriters do, and see how much room you have left for a housing payment.
Open calculator →Savings & Retirement
Compounding, retirement projections and savings goals.
401(k) Early Withdrawal Calculator
See what you actually keep after the 10% early withdrawal penalty and income tax — and what that money would have grown to if left alone.
Open calculator →CD Calculator
Calculate the maturity value and interest earned on a certificate of deposit at any compounding frequency, plus the real return after tax and inflation.
Open calculator →Compound Interest Calculator
Project how an initial deposit plus regular monthly contributions grows over time, and see how much of the final balance is contributions versus growth.
Open calculator →Emergency Fund Calculator
Work out the right size for your emergency fund based on your actual essential expenses and job stability, and how long it will take to build.
Open calculator →FIRE Calculator
Find out how many years until you could retire early, based on your savings rate, expenses and safe withdrawal rate.
Open calculator →Inflation Calculator
See how inflation erodes purchasing power over time, and what a sum today will be worth in the future — or what a past amount is worth now.
Open calculator →Investment Return Calculator
Calculate annualised return (CAGR) on an investment and see exactly how much fees and inflation take out of your result.
Open calculator →Net Worth Calculator
Add up everything you own and everything you owe to get a single number that tracks your real financial progress over time.
Open calculator →Retirement Savings Calculator
Project your retirement balance including employer match and salary growth, then see the annual income it could support under the 4% rule.
Open calculator →Roth vs Traditional IRA Calculator
Compare after-tax retirement value from a Roth IRA against a traditional IRA, accounting for your tax rate now versus in retirement.
Open calculator →Savings Goal Calculator
Enter a target amount and a deadline and find out exactly how much you need to put aside every month, accounting for interest earned along the way.
Open calculator →Income & Tax
Take-home pay, freelance tax and investment tax.
Capital Gains Tax Calculator
Estimate the tax on an investment sale, compare short-term against long-term treatment, and see the value of holding past one year.
Open calculator →Hourly to Salary Calculator
Convert an hourly wage to weekly, monthly and annual salary — and back again — with adjustments for unpaid time off and overtime.
Open calculator →Overtime Pay Calculator
Calculate overtime pay at time-and-a-half or double time, including weekly and annual totals and your blended effective hourly rate.
Open calculator →Paycheck Calculator
Estimate your take-home pay after federal and state tax, Social Security, Medicare, retirement contributions and benefit deductions.
Open calculator →Self-Employment Tax Calculator
Estimate your self-employment tax, income tax and quarterly estimated payments as a freelancer, contractor or sole proprietor.
Open calculator →Business & Insurance
Margins, break-even, business finance and cover.
Break-Even Calculator
Find how many units you must sell to cover fixed costs, the revenue that represents, and how a price change moves the break-even point.
Open calculator →Business Loan Calculator
Calculate the monthly payment and true cost of a business loan or SBA loan, including origination fees and the revenue needed to service it.
Open calculator →Life Insurance Needs Calculator
Calculate how much life insurance your family actually needs using the DIME method: debts, income replacement, mortgage and education costs.
Open calculator →Profit Margin Calculator
Convert between cost, markup, margin and selling price — and see the gross, operating and net margins your business is actually achieving.
Open calculator →ROI Calculator
Calculate simple ROI, annualised return and payback period on any investment or business project.
Open calculator →State & scenario guides
93 worked examples: mortgage payments for every state with its real property tax rate, affordability by salary, payments by loan amount and car price.
Browse guides →In-depth articles
10 long-form guides on buying a first home, clearing credit card debt, retirement benchmarks, freelance taxes and reading your paycheck.
Read articles →Why these calculators are different
Full schedules, not just a payment
Every loan calculator shows a year-by-year amortization table so you can see exactly when principal overtakes interest.
The costs others leave out
Origination fees, PMI, sales tax, escrow and expense ratios are built in — because they are what makes the real number differ from the quoted one.
Nothing to sign up for
No email gate, no lead form, no quote request. Everything runs in your browser and none of your numbers leave your device.