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Free Finance Calculators

Use finance calculators to compare common money questions before you make a bigger decision. These tools help you test payments, rates, income, inflation, retirement targets, and savings assumptions in the browser, then read the matching guide when you need the formula explained.

Start with the money question

Finance searches usually start with a specific decision: payment size, interest cost, income, tax, or long-term savings. These paths put the most useful calculators one click away.

I am comparing home payments Estimate mortgage payment, interest, taxes, insurance, and loan balance assumptions. I need a loan payment Check payment, total interest, term, and rate scenarios before comparing real offers. I am checking pay Convert hourly, weekly, monthly, and annual pay using work schedule assumptions. I am estimating tax Test taxable income, filing status, deductions, credits, and federal bracket assumptions. I want growth over time Model principal, contributions, rate, compounding, and future value.
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Guides worth reading before a money decision

Finance tools can look exact, but small input changes can move the result a lot. These guides explain the assumptions before the number gets trusted too much.

Priority guides

Mortgage guide Payment, interest, taxes, insurance, PMI, HOA, and what the calculator leaves out. Loan guide Principal, rate, term, total interest, and why lender offers can still differ. Income tax guide Filing status, taxable income, deductions, credits, and estimate limits. Salary guide Hourly, weekly, monthly, and annual pay conversions with gross-pay cautions.

What this category helps with

  • Loan, mortgage, interest, tax, salary, retirement, and investment estimates from clear assumptions.
  • Scenario comparison before you ask a lender, payroll provider, tax professional, or financial adviser.
  • Transparent warnings when a result is a planning estimate rather than a quote or recommendation.

Start with these tools

Mortgage Calculator Estimate monthly principal, interest, taxes, insurance, PMI, and HOA costs. Loan Calculator Estimate a fixed monthly loan payment, total paid, and total interest from amount, rate, and term. Auto Loan Calculator Estimate a car payment from vehicle price, tax, fees, down payment, trade-in, rate, and term. Interest Calculator Compare simple interest and compound interest from principal, annual rate, time, and deposits. Payment Calculator Estimate a fixed loan payment from amount financed, rate, and term. Retirement Calculator Project retirement savings from current balance, monthly contributions, and return.

All finance calculators

Open a tool, try the examples, then use the matching guide when you need more explanation.

Mortgage Calculator Estimate monthly principal, interest, taxes, insurance, PMI, and HOA costs. Open Loan Calculator Estimate a fixed monthly loan payment, total paid, and total interest from amount, rate, and term. Open Auto Loan Calculator Estimate a car payment from vehicle price, tax, fees, down payment, trade-in, rate, and term. Open Interest Calculator Compare simple interest and compound interest from principal, annual rate, time, and deposits. Open Payment Calculator Estimate a fixed loan payment from amount financed, rate, and term. Open Retirement Calculator Project retirement savings from current balance, monthly contributions, and return. Open Amortization Calculator Estimate payoff time, total interest, and extra-payment savings. Open Investment Calculator Project investment growth from starting money, monthly deposits, return, and time. Open Inflation Calculator Estimate future cost and buying power from an annual inflation rate. Open Finance Calculator Project a future balance from starting money, monthly deposits, rate, and time. Open Income Tax Calculator Estimate 2026 U.S. federal income tax from income, filing status, deduction, credits, and brackets. Open Compound Interest Calculator Estimate compound growth with deposits, rate, time, and compounding frequency. Open Salary Calculator Convert annual salary to monthly, biweekly, weekly, daily, and hourly pay. Open Interest Rate Calculator Find the rate hidden inside a fixed loan payment quote. Open Sales Tax Calculator Find sales tax and final total from a subtotal and local rate. Open Currency Calculator Convert money with a manual exchange rate and optional exchange fee. Open Mortgage Payoff Calculator Estimate early mortgage payoff time, interest saved, and months saved from extra principal payments. Open 401K Calculator Project 401K growth from salary contributions, employer match, return, and time. Open House Affordability Calculator Estimate a home price from income, debts, down payment, rate, and housing costs. Open Savings Calculator Project a savings goal from current balance, monthly deposits, rate, and time. Open Rent Calculator Estimate how much rent may fit after income, debts, utilities, and a rent target. Open Annuity Calculator Estimate future value and present value for a fixed payment stream. Open Credit Card Calculator Estimate credit card payoff months, interest, total paid, and final payment. Open Pension Calculator Estimate a defined-benefit pension from final salary, credited service, and plan multiplier. Open Annuity Payout Calculator Estimate a fixed payout from a lump sum, annual rate, payout term, and payment frequency. Open Credit Cards Payoff Calculator Estimate a combined credit card payoff from balance, weighted APR, regular payment, and extra payment. Open Debt Payoff Calculator Check how fast a fixed debt can disappear when you pay the regular amount plus extra. Open Debt Consolidation Calculator Compare your current payoff path with a new consolidation loan before you trust the lower payment. Open Repayment Calculator Estimate payoff time, interest, total paid, and final payment for one fixed balance. Open Student Loan Calculator Estimate a standard student loan payment, interest, payoff time, and extra-payment savings. Open College Cost Calculator Project future college costs and the gap your savings may need to cover. Open Simple Interest Calculator Estimate simple interest and ending balance from principal, annual rate, and time. Open CD Calculator Estimate CD maturity value, interest earned, and early-withdrawal penalty what-if. Open Bond Calculator Estimate coupon income, current yield, and rough yield to maturity for a plain bond. Open Mutual Fund Calculator Project a mutual fund balance before and after simple expense-ratio drag. Open Roth IRA Calculator Project Roth IRA growth before checking IRS contribution and income rules. Open IRA Calculator Project traditional or Roth IRA growth before checking IRS contribution and deduction rules. Open VAT Calculator Add VAT to a net price or remove VAT from a gross price without mixing up the mode. Open Cash Back or Low Interest Calculator Compare a cash-back rebate with a low-interest APR offer by total cost. Open Auto Lease Calculator Estimate a car lease payment by separating depreciation, finance charge, and tax. Open Depreciation Calculator Estimate depreciation expense, accumulated depreciation, and book value. Open Average Return Calculator Estimate net gain, cumulative return, average annual return, and CAGR. Open Margin Calculator Calculate profit, profit margin, and markup from selling price and cost. Open Discount Calculator Find final price after one or two discounts and optional tax. Open Business Loan Calculator Estimate a business loan payment, total interest, origination fee, cash received, and total cost. Open Debt-to-Income Ratio Calculator Calculate debt-to-income ratio from income, debts, and proposed housing payment. Open Personal Loan Calculator Estimate personal loan payment, interest, and origination fee. Open Boat Loan Calculator Estimate monthly boat loan payment, amount financed, sales tax, and interest. Open Lease Calculator Estimate a generic lease payment from asset value, residual, rate, term, fees, and upfront payment. Open Refinance Calculator Compare current loan payment with a new refinance payment and break-even estimate. Open Budget Calculator Add monthly income, spending, debt, and savings to see leftover money and ratios. Open Ad Revenue Calculator Estimate website ad revenue from page views, page CTR, average CPC, and page RPM. Open Break Even Calculator Find the unit sales and revenue needed to cover fixed and variable costs. Open Markup Calculator Calculate selling price, profit, and margin from cost plus markup percent. Open Profit Goal Calculator Estimate how many units and how much revenue are needed to hit a target profit. Open Liquidity Ratios Calculator Check working capital plus current, quick, and cash coverage. Open Debt Ratios Calculator Check debt ratio, debt-to-equity, and interest coverage from statement numbers. Open Operations Ratios Calculator Check inventory turnover, asset turnover, receivables turnover, collection days, and equity multiplier. Open Profitability Ratios Calculator Calculate gross margin, operating margin, net margin, ROA, ROE, EPS, and P/E from statement inputs. Open Stock Ratios Calculator Calculate P/E, price-to-sales, price-to-book, dividend yield, and payout ratio. Open Marriage Tax Calculator Compare a simplified 2026 federal tax estimate for two single filers versus married filing jointly. Open Estate Tax Calculator Check a large estate against the 2026 federal estate tax exclusion. Open Social Security Calculator Estimate how claiming age can change a monthly Social Security retirement benefit. Open RMD Calculator Estimate a required minimum distribution from prior Dec. 31 balance and age. Open Real Estate Calculator Estimate sale profit, net proceeds, ROI, and equity multiple from a property sale scenario. Open Take-Home-Paycheck Calculator Estimate take-home pay per paycheck from salary, pay schedule, pretax deductions, tax estimates, and 2026 employee FICA. Open Rental Property Calculator Estimate rental cash flow, monthly NOI, cap rate, cash-on-cash return, and mortgage impact. Open IRR Calculator Estimate IRR from one starting outflow and five evenly spaced cash-flow periods. Open ROI Calculator Calculate simple ROI from starting cost, ending value, income, and costs. Open APR Calculator Estimate loan APR from amount borrowed, note rate, term, and upfront finance charges. Open FHA Loan Calculator Estimate an FHA-style mortgage payment with upfront MIP, monthly MIP, taxes, and insurance. Open VA Mortgage Calculator Estimate a VA-backed purchase loan payment with common funding-fee logic. Open Home Equity Loan Calculator Estimate a fixed home equity loan payment, borrowing room, and combined loan-to-value. Open HELOC Calculator Estimate HELOC interest-only payment, repayment payment, available equity, and CLTV. Open Down Payment Calculator Estimate down payment, loan amount, loan-to-value, closing costs, and cash needed. Open Rent vs. Buy Calculator Compare simplified renting cost with buying and selling over a chosen time horizon. Open Payback Period Calculator Estimate how many years it takes for annual cash flow to recover an initial cost. Open Present Value Calculator Estimate present value of a future lump sum and regular payment stream. Open Future Value Calculator Estimate future value of a starting amount and regular payments. Open Commission Calculator Estimate commission, split amount, and total pay from sales, rate, base pay, and bonus. Open Mortgage Calculator UK Estimate a UK repayment mortgage from property price, deposit, rate, term, and monthly fees. Open Canadian Mortgage Calculator Estimate a Canadian mortgage payment, loan amount, LTV, and total interest with semi-annual compounding. Open Percent Off Calculator Calculate sale price, savings, effective discount, and tax after one or two percent-off discounts. Open GDP Calculator Estimate gross domestic product from consumption, investment, government spending, exports, and imports. Open

Guides for this category

Each guide uses its matching tool, with example numbers and plain limits.