80 free financial calculators

Mortgage Calculator

Estimate principal-and-interest payments, total interest and loan amortization from the mortgage amount, rate, term and payment assumptions you enter.

Auto Loan Calculator

Estimate an auto-loan payment, financed amount and interest from vehicle price, trade-in, down payment, sales tax, rate and term. Insurance, maintenance, fuel and depreciation are not included.

Student Loan Calculator

Estimate a student-loan payment, payoff period and interest cost from the balance, interest rate, repayment term and extra-payment assumptions you enter.

Credit Card Payoff

Estimate payoff time and interest from a credit-card balance, APR and payment using a monthly planning model. Actual issuer interest methods and statement timing can differ.

Debt Snowball vs Avalanche

Compare debt payoff ordering by smallest balance versus highest interest rate using the balances, APRs, minimums and extra payment you enter.

Loan Comparison

Compare two loan offers using their principal, interest rate, term and applicable fees instead of comparing monthly payment alone.

Refinance Calculator

Compare an existing loan with a proposed refinance using balances, rates, terms, closing costs and the time you expect to keep the new loan.

Personal Loan Calculator

Estimate a fixed personal-loan payment and total interest from the amount borrowed, annual rate and repayment term you enter.

House Affordability

Model a home-price range from income, existing debt payments, down payment, mortgage terms and recurring housing costs using the limits you choose.

Payment Calculator

Calculate the periodic payment for a fixed-rate amortizing loan from principal, annual interest rate and repayment term.

HELOC Calculator

Estimate HELOC borrowing, interest and payment scenarios from the line balance, rate and repayment assumptions you enter.

Auto Lease Calculator

Estimate a vehicle lease payment from negotiated price, residual value, term, money factor or rate, taxes and upfront amounts you enter.

Debt-to-Income Ratio

Calculate debt-to-income ratio from gross monthly income and monthly debt obligations. Qualification limits vary by lender, product and underwriting rules.

Balance Transfer

Compare a credit-card balance transfer using the transfer fee, promotional APR, promo period and post-promo rate you enter.

Credit Utilization

Calculate revolving credit utilization from reported balances and credit limits, both overall and by account where entered.

Mortgage Points

Compare the upfront cost of discount points with payment savings using the actual rate reduction offered by the lender. One point costs 1% of the loan amount, but there is no fixed rate reduction per point.

Closing Costs

Total the lender, title, prepaid, government and other closing-cost items you enter and account for applicable seller or lender credits.

Minimum Payment Calculator

Project payoff time and interest when a credit-card payment follows the minimum-payment rule and APR assumptions you enter.

Debt Consolidation

Compare the payments and modeled interest on existing debts with a proposed consolidation loan using the balances, rates, term and fees you enter.

Personal Loan APR

Estimate an APR-style borrowing cost from a personal loan's principal, payment schedule and entered upfront finance charges.

Compound Interest

Project growth from principal, contributions, a nominal annual rate and the compounding frequency you select.

Retirement Calculator

Project retirement savings from current balance, contributions, assumed annual return and inflation. Any 4% withdrawal figure is an illustrative planning heuristic, not a guarantee.

Savings Goal Calculator

Estimate the time or recurring contribution needed to reach a savings target from the starting balance, return assumption and contribution schedule you enter.

401(k) Calculator

Project 401(k) growth from your current balance, salary-based contributions, employer contributions, investment return, and time horizon.

Emergency Fund Calculator

Build an emergency-fund target from the essential monthly expenses and number of months of coverage you choose, then estimate saving progress.

ROI Calculator

Calculate total ROI and net profit from invested capital and ending value. Annualized return is only meaningful when the timing of relevant cash flows is defined.

Future Value Calculator

Project a future balance from starting principal, recurring contributions, an assumed annual rate, time horizon and contribution frequency.

Simple Interest Calculator

Calculate principal × annual rate × time without compounding, with years, months or a 365-day-year conversion and support for 0% interest.

Annuity Calculator

Model a stream of equal payments using the payment amount, rate, number of periods and timing assumptions provided by the calculator.

CD Calculator

Estimate CD maturity value from principal, term and APY. APY is treated as an effective annual yield that already includes the account's compounding convention.

Margin Trading Calculator

Model leveraged stock exposure using the initial margin, maintenance requirement and borrowing cost you enter. Broker and regulatory requirements can differ.

CD Ladder

Model a CD ladder using the APY and term entered for each rung, with each maturity kept on its own date instead of interpolating missing market rates.

Dollar-Cost Averaging

Model recurring investments over time using the contribution amount, schedule and return assumptions you enter.

Dividend Yield

Calculate dividend yield from annual dividends per share and share price, without treating a high yield as an investment recommendation.

Dividend Reinvestment

Project a dividend-reinvestment scenario from share value, dividend assumptions, reinvestment and growth inputs over the period you choose.

P/E Ratio

Calculate price-to-earnings metrics and compare them with a benchmark you choose. The tool does not label a stock intrinsically cheap, fair or expensive from a universal P/E threshold.

Price-to-Book Ratio

Calculate P/B from market price and book value and compare it with a benchmark you supply. A low or high P/B alone does not prove undervaluation or overvaluation.

Price-to-Sales Ratio

Calculate price-to-sales from market price and revenue and compare it with a benchmark you choose, without universal cheap-or-expensive thresholds.

Portfolio Return

Calculate total portfolio return from beginning value, ending value and entered investment income. Intermediate contributions and withdrawals require dated cash-flow methods that are outside this model.

Asset Allocation

Allocate a portfolio across asset categories and see the resulting percentages and dollar amounts. The tool does not forecast returns or prescribe an optimal allocation.

Stock Average Down

Calculate the weighted average cost per share after additional purchases using each lot's share count and purchase price.

Bond Yield

Calculate current yield and estimate yield to maturity from the bond's price, coupon, face value and remaining cash flows. It does not treat the sum of coupons as a guaranteed annualized total return.

2026 Federal Income Tax

Estimate 2026 U.S. federal income tax with current IRS brackets, standard deductions, 401(k), HSA and FSA limits, Child Tax Credit, FICA, and paycheck estimates.

Budget Calculator

Allocate monthly take-home income across needs, wants, savings and unallocated cash, with the 50/30/20 split shown as a planning reference rather than a rule.

Net Worth Calculator

Estimate household net worth from current asset values minus current liability balances, with separate asset and debt breakdowns.

Salary to Hourly

Convert annual gross salary to hourly, daily, weekly and monthly equivalents using the paid weeks, hours and workdays you enter.

2026 Capital Gains Tax

Estimate 2026 U.S. federal long-term or short-term capital gains tax using current capital-gain thresholds and the 3.8% Net Investment Income Tax rule.

State Income Tax Estimate

Estimate state income tax from state-specific taxable income, an applicable planning rate, and credits without relying on an incomplete hard-coded 50-state tax table.

2026 Self-Employment Tax

Estimate 2026 self-employment Social Security and Medicare tax with the current Social Security wage base, W-2 wage interaction, and Additional Medicare Tax threshold.

2026 Paycheck

Estimate 2026 take-home pay using current federal income-tax brackets, standard deductions, employee FICA, and payroll pre-tax contributions without fabricated state-tax precision.

2026 Contractor vs Employee

Compare contractor net cash with employee after-tax cash plus entered employer benefits using 2026 federal income-tax, Social Security and Medicare assumptions.

Rent vs Buy

Compare renting with buying using housing costs, financing, rent changes, investment return, home appreciation, selling costs and the time horizon you enter.

Rental Property ROI

Model rental-property cash flow, financing, appreciation assumptions, sale proceeds and return over the holding period you enter.

Cap Rate

Calculate capitalization rate from property net operating income and property value without mixing mortgage financing into the unlevered metric.

Cash-on-Cash Return

Calculate annual pre-tax cash flow as a percentage of the cash invested in a property, without treating one percentage range as universally good or bad.

Property Tax Calculator

Estimate property tax from a property value and the tax rate you enter. The calculator does not provide county-level assessment data or automatically maintain tax rates for every jurisdiction.

Home Equity

Estimate home equity from the property's current value and outstanding mortgage or other secured balances you enter.

Rent Affordability

Model rent affordability from income, debt and other budget assumptions. Percentage-of-income guidelines are references, not universal recommendations or approval rules.

Break-Even Calculator

Calculate break-even unit volume and revenue from fixed costs, unit selling price and variable cost assumptions.

Burn Rate

Calculate net cash burn and estimated runway from starting cash, recurring cash inflows and cash outflows over the period you enter.

LTV:CAC

Calculate customer lifetime value assumptions, customer acquisition cost and their ratio using the revenue, margin, retention and acquisition inputs provided.

Profit Margin & Markup

Calculate gross profit, margin and markup from selling price and cost, and see why margin and markup percentages are not interchangeable.

EBITDA Margin

Calculate EBITDA margin from EBITDA and revenue and compare periods using consistent accounting definitions.

Profit Ratios

Calculate multiple profitability ratios from revenue and the corresponding profit measures using values from the same reporting period.

Current Ratio

Calculate current ratio from current assets and current liabilities for the same balance-sheet date.

Quick Ratio

Calculate quick ratio from liquid current assets and current liabilities, excluding less-liquid current assets represented outside the quick-asset inputs.

Cash Ratio

Calculate cash ratio from cash and cash-equivalent resources relative to current liabilities.

Debt-to-Equity

Calculate debt-to-equity from the debt and equity values you enter using consistent balance-sheet definitions.

Working Capital

Calculate net working capital from current assets and current liabilities and compare the dollar balance across periods.

Inventory Turnover

Calculate inventory turnover from cost of goods sold and average inventory for the same reporting period, with an inventory-days interpretation where shown.

Accounts Receivable Turnover

Calculate receivables turnover from net credit sales and average accounts receivable, with a collection-days interpretation where shown.

Business Valuation

Estimate business value from the earnings, cash-flow or valuation-multiple assumptions available in the calculator rather than treating one multiple as universally appropriate.

Currency Converter

Convert between 10 major currencies using the latest available Frankfurter reference rates fetched server-side, with the rate date shown when available.

APR to APY

Convert a nominal annual percentage rate to an effective annual percentage yield using the compounding frequency you enter.

Inflation Calculator

Model future prices and purchasing power from a constant annual inflation or deflation assumption, including 0% and negative rates above -100%.

Discount Calculator

Calculate a final price after one or two sequential discounts, with each discount constrained to 0% through 100%.

CAGR Calculator

Calculate compound annual growth rate from a beginning value, ending value and number of years.

Tip Calculator

Calculate a non-negative tip percentage on the amount you choose and split the resulting total evenly among one or more people.

Sales Tax Calculator

Add a user-supplied sales-tax rate to a pre-tax price or reverse an after-tax total, while keeping the entered rate distinct from tax as a share of the final price.

VAT / GST Calculator

Add or extract a VAT, GST or similar consumption-tax rate that you have verified for the relevant jurisdiction, product or service.