Financial calculators

Project 401(k)-style savings, salary-based deferrals and tiered employer matching, with optional frozen 2026 caps and withdrawal estimates.

Estimate the future value of an initial balance and equal recurring contributions under a constant-return annuity model.

Estimate a fixed withdrawal from savings or how long a balance lasts under a constant return and monthly drawdown scenario.

Explore IRA growth and withdrawals, compare traditional and Roth savings from equal pretax resources, or estimate a 2026 contribution ceiling.

Compare pension present values, lump sums and single-life or joint-survivor payment streams using explicit timing and lifetime assumptions.

Model retirement savings, salary-based contributions and inflation-linked spending, with a year-by-year withdrawal scenario.

Estimate owner RMDs with distribution-year rules, applicable lifetime tables and return-based projections, within the stated account scope.

Compare Roth, traditional and taxable scenarios using qualified-distribution assumptions, equal pretax resources and a separate 2026 ceiling.

Compare Social Security claiming ages, full-retirement-age cohorts and two benefit streams under shared COLA and discount assumptions.

Build a loan amortization schedule and compare monthly, annual or dated extra payments against an unchanged-payment baseline.

Estimate a loan's fee-inclusive borrowing rate by comparing net proceeds with scheduled payments and selected payment frequencies.

Estimate Canadian mortgage payments using nominal semiannual compounding, with ownership costs and optional extra principal payments.

Calculate debt-to-income ratio from gross income and debt payments entered as monthly totals or mixed annual and monthly lines.

Calculate down-payment cash, a purchase-price budget or a savings timeline while allowing for entered closing costs.

Estimate standard FHA fees, mortgage-insurance schedules and extra-payment payoff, or enter rates in a manual premium worksheet.

Estimate HELOC draw-period interest, later repayment payments and home-equity borrowing capacity under a constant-rate scenario.

Estimate a home-equity loan payment and available borrowing capacity from property value, existing debt and a chosen combined LTV limit.

Estimate a home-price budget from income and debt limits, or from an entered monthly housing payment allowance.

See how mortgage payments divide between principal and interest, and how extra payments change the balance and payoff schedule.

Estimate US fixed-rate mortgage payments and ownership costs, and compare monthly, annual or dated extra principal payments.

Compare UK repayment and interest-only mortgage estimates in pounds, including entered ownership costs and extra repayments.

Estimate mortgage payoff and interest, infer a remaining balance from loan history, or compare an accelerated biweekly scenario.

Explore mortgage, affordability, refinancing, and property investment calculators.

Compare refinancing payments, interest and simple break-even, or evaluate payments and remaining debt over the same holding period.

Estimate a monthly rent budget from gross income, a chosen spending percentage and the utilities you expect to pay.

Compare renting and buying through housing cash flows, refundable deposits, mortgage equity and a common investment-return assumption.

Estimate rental cash flow and returns, or model a holding period with growing expenses, mortgage payoff and sale proceeds.

Estimate VA purchase or refinance funding fees and payments, using the selected fee tier, financing choice and verified exemption assumptions.

Estimate a vehicle lease payment from cost, residual value and money factor, or work backward from a monthly payment budget.

Calculate auto-loan payments and price budgets with trade debt, rebates, fees and scoped US state tax treatment.

Compare a vehicle rebate with promotional financing, recalculating taxes, financed costs and total cash for each offer.

Compare arithmetic and geometric period returns, or estimate annual money-weighted return from dated deposits and receipts.

Calculate regular-coupon bond price or yield, including dated settlement, accrued interest and selectable day-count conventions.

Estimate CD-style deposit growth under a fixed rate, compounding schedule and optional tax assumptions, with a projected ending balance.

Project compound interest with regular deposits, compounding frequency, tax and inflation assumptions. Compare equivalent interest rates.

Solve time-value-of-money problems for present value, future value, payment, rate or periods, with explicit cash-flow conventions.

Estimate the future value of savings and recurring deposits, including separate monthly and annual contributions and assumed purchasing power.

Project compound interest with regular deposits, optional monthly and annual contribution streams, and entered tax and inflation assumptions.

Find the implied fixed annual loan rate from a principal balance, monthly payment and repayment term, excluding financing fees.

Explore investment targets, required contributions and assumed returns, including signed TVM and separate monthly and annual deposit scenarios.

Estimate periodic or dated internal rates of return, including recurring cash-flow scenarios and detected multiple solutions.

Project fund contributions and growth, compare entry loads and annual expenses, or estimate a single-lot redemption charge.

Calculate assets minus liabilities and track dated net-worth snapshots in your browser. See liquid assets, debt totals, and changes over time.

Estimate simple or discounted payback from entered periodic cash flows or an annual return stream with assumed growth.

Discount a future lump sum and regular payments to today's value, with payment-frequency and beginning-or-end timing options.

Calculate ROI and annualized return from a holding period or exact dates, or use dated cash flows for money-weighted return.

Estimate savings growth from an opening balance and regular deposits, including contribution timing, tax and inflation scenarios.

Calculate simple interest and total balance, or solve for missing principal, annual rate or time without compounding.

Estimate fixed monthly boat-loan payments, interest and payoff timing, including optional extra payments toward principal.

Calculate break-even units and sales revenue, target-profit volume, and your margin of safety using fixed costs, unit price, and variable costs.

Build a monthly budget from take-home totals or mixed-period gross-income lines, with pretax savings, assumed tax and debt payments.

Compare business-loan payment schedules and compounding frequencies, with optional extra principal and modeled upfront financing fees.

Forecast monthly business cash balances and runway with revenue growth, operating expenses, one-time movements, and a minimum cash buffer.

Project college costs and a chosen funded share, then estimate monthly savings with optional annual tax on investment interest.

Calculate flat or tiered sales commission, total compensation, or the sales and rate needed for a target commission.

Estimate payoff time or a target payment for a credit-card balance using a fixed rate and no new purchases.

Plan payoff across multiple credit cards using avalanche or snowball ordering, entered minimum payments and a monthly extra-payment budget.

Convert currencies using an entered rate, dated ECB reference rates, or broader reference and spot snapshots with source attribution.

Compare current debt obligations with a consolidation loan, including financed fees, the new payment and repayment-term effects.

Compare avalanche and snowball debt repayment schedules, with fixed minimum payments and extra cash rolled into remaining balances.

Compare book-depreciation schedules, including fiscal dates, partial-year conventions and an optional switch to straight-line expense.

Calculate sale price and savings, combine a percentage and fixed reduction, or recover the original price from a known pair.

Plan an emergency fund from essential monthly expenses, chosen coverage months, and existing savings. Calculate your gap and a monthly savings timeline.

Compare US purchasing power with versioned BLS CPI-U data, or explore future price changes using an inflation rate you choose.

Create an invoice or quotation with line items, discounts, tax, and payment terms. Add your branding and download a PDF without an account.

Calculate an asset-financing lease payment or implied rate from asset value, term and residual, with a separate vehicle-lease model.

Compare fixed loan payments, deferred balances and zero-coupon borrowing, with separate payment and compounding frequency options.

Calculate profit margin and markup, solve a target selling price, or explore simplified stock and currency margin requirements.

Find the payment for a fixed-rate loan or estimate payoff time from a monthly payment amount you choose.

Calculate payment fees and net receipts, or find the gross charge needed for a target net amount. Includes custom fees and a US Stripe preset.

Calculate percent-off savings and final prices, or combine two successive percentage discounts without simply adding them.

Estimate personal-loan payments, origination fees, monthly insurance and the resulting borrowing cash-flow cost.

Plan fixed-rate debt repayment by term or payment budget, with a schedule showing the balance, interest and final installment.

Calculate net price, sales tax, gross price or an implied tax rate from a selected pair of known values.

Estimate online selling profit after product costs, shipping, platform fees, processing, advertising, returns, and overhead. Includes a US Etsy example.

Model standard student-loan repayment or annual borrowing during school, with explicit delay-interest and capitalization choices.

Total recurring subscriptions, compare monthly and annual costs, and estimate savings from cancellations or annual-plan offers. Save your plan locally.

Calculate VAT, net or gross amounts, or an implied VAT rate from the values you already know.

Estimate a 2026 federal estate-tax scenario from asset and deduction lines, adjusted gifts, exclusion and entered credit assumptions.

Calculate freelance hourly and day rates, plus project quotes, from your income goal, expenses, tax reserve, time off, and billable hours.

Compare supported 2025 or 2026 federal filing scenarios and separate state/local assumptions, including income, deductions and credits.

Convert gross salary across hourly through annual pay periods, including quarterly pay, and compare unpaid-day adjustments.

Estimate annual take-home cash for 2025 or 2026, or calculate 2026 paycheck withholding with separate tax wage bases.

Estimate 2025 or 2026 US federal tax with combined income, deduction and credit scenarios, plus focused tax worksheets.