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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.
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Choose a tool for your task. Open its matching guide when you need the inputs or results explained.
Mortgage CalculatorEstimate monthly principal, interest, taxes, insurance, PMI, and HOA costs.Loan CalculatorSolve for monthly payment, loan amount, interest rate, or payoff term for a fixed-rate loan.Auto Loan CalculatorEstimate a car payment from vehicle price, tax, fees, down payment, trade-in, rate, and term.Interest CalculatorCompare simple interest and compound interest from principal, annual rate, time, and deposits.Payment CalculatorEstimate a fixed loan payment from amount financed, rate, and term.Retirement CalculatorProject retirement savings from current balance, monthly contributions, and return.
Browse all 85 finance
The 6 choices above and these 79 tools make up this category.
- Amortization CalculatorEstimate payoff time, total interest, and extra-payment savings.
- Investment CalculatorProject investment growth from starting money, monthly deposits, return, and time.
- Inflation CalculatorEstimate future cost and buying power from an annual inflation rate.
- Finance CalculatorProject a future balance from starting money, monthly deposits, rate, and time.
- Income Tax CalculatorEstimate 2026 U.S. federal income tax from income, filing status, deduction, credits, and brackets.
- Compound Interest CalculatorEstimate compound growth with deposits, rate, time, and compounding frequency.
- Salary CalculatorConvert annual salary to monthly, biweekly, weekly, daily, and hourly pay.
- Interest Rate CalculatorFind the rate hidden inside a fixed loan payment quote.
- Sales Tax CalculatorFind sales tax and final total from a subtotal and local rate.
- Currency CalculatorConvert money with a manual exchange rate and optional exchange fee.
- Mortgage Payoff CalculatorEstimate early mortgage payoff time, interest saved, and months saved from extra principal payments.
- 401K CalculatorProject 401K growth from salary contributions, employer match, return, and time.
- House Affordability CalculatorEstimate a home price from income, debts, down payment, rate, and housing costs.
- Savings CalculatorProject a savings goal from current balance, monthly deposits, rate, and time.
- APY CalculatorEstimate annual percentage yield from a stated rate and compounding frequency.
- Rent CalculatorEstimate how much rent may fit after income, debts, utilities, and a rent target.
- Annuity CalculatorEstimate future value and present value for a fixed payment stream.
- Credit Card CalculatorEstimate credit card payoff months, interest, total paid, and final payment.
- Pension CalculatorEstimate a defined-benefit pension from final salary, credited service, and plan multiplier.
- Annuity Payout CalculatorEstimate a fixed payout from a lump sum, annual rate, payout term, and payment frequency.
- Credit Cards Payoff CalculatorEstimate a combined credit card payoff from balance, weighted APR, regular payment, and extra payment.
- Debt Payoff CalculatorCheck how fast a fixed debt can disappear when you pay the regular amount plus extra.
- Debt Consolidation CalculatorCompare your current payoff path with a new consolidation loan before you trust the lower payment.
- Repayment CalculatorEstimate payoff time, interest, total paid, and final payment for one fixed balance.
- Student Loan CalculatorEstimate a standard student loan payment, interest, payoff time, and extra-payment savings.
- College Cost CalculatorProject future college costs and the gap your savings may need to cover.
- Simple Interest CalculatorEstimate simple interest and ending balance from principal, annual rate, and time.
- CD CalculatorEstimate CD maturity value, interest earned, and early-withdrawal penalty what-if.
- Bond CalculatorEstimate coupon income, current yield, and rough yield to maturity for a plain bond.
- Mutual Fund CalculatorProject a mutual fund balance before and after simple expense-ratio drag.
- Roth IRA CalculatorProject Roth IRA growth before checking IRS contribution and income rules.
- IRA CalculatorProject traditional or Roth IRA growth before checking IRS contribution and deduction rules.
- VAT CalculatorAdd VAT to a net price or remove VAT from a gross price without mixing up the mode.
- Cash Back or Low Interest CalculatorCompare a cash-back rebate with a low-interest APR offer by total cost.
- Auto Lease CalculatorEstimate a car lease payment by separating depreciation, finance charge, and tax.
- Depreciation CalculatorEstimate depreciation expense, accumulated depreciation, and book value.
- Average Return CalculatorEstimate net gain, cumulative return, average annual return, and CAGR.
- Margin CalculatorCalculate profit, profit margin, and markup from selling price and cost.
- Discount CalculatorFind final price after one or two discounts and optional tax.
- Business Loan CalculatorEstimate a business loan payment, total interest, origination fee, cash received, and total cost.
- Debt-to-Income Ratio CalculatorCalculate debt-to-income ratio from income, debts, and proposed housing payment.
- Personal Loan CalculatorEstimate personal loan payment, interest, and origination fee.
- Boat Loan CalculatorEstimate monthly boat loan payment, amount financed, sales tax, and interest.
- Lease CalculatorEstimate a generic lease payment from asset value, residual, rate, term, fees, and upfront payment.
- Refinance CalculatorCompare current loan payment with a new refinance payment and break-even estimate.
- Budget CalculatorAdd monthly income, spending, debt, and savings to see leftover money and ratios.
- Ad Revenue CalculatorEstimate website ad revenue from daily page views, CTR, CPC, monthly revenue, and page RPM.
- Break Even CalculatorFind the unit sales and revenue needed to cover fixed and variable costs.
- Markup CalculatorCalculate selling price from markup or target margin, or check markup, margin, and profit from a known price.
- Profit Goal CalculatorEstimate how many units and how much revenue are needed to hit a target profit.
- Liquidity Ratios CalculatorCheck working capital plus current, quick, and cash coverage.
- Debt Ratios CalculatorCheck debt ratio, debt-to-equity, and interest coverage from statement numbers.
- Operations Ratios CalculatorCheck inventory turnover, asset turnover, receivables turnover, collection days, and equity multiplier.
- Profitability Ratios CalculatorCalculate gross margin, operating margin, net margin, ROA, ROE, EPS, and P/E from statement inputs.
- Stock Ratios CalculatorCalculate P/E, price-to-sales, price-to-book, dividend yield, and payout ratio.
- Marriage Tax CalculatorCompare a simplified 2026 federal tax estimate for two single filers versus married filing jointly.
- Estate Tax CalculatorCheck a large estate against the 2026 federal estate tax exclusion.
- Social Security CalculatorEstimate how claiming age can change a monthly Social Security retirement benefit.
- RMD CalculatorEstimate a required minimum distribution from prior Dec. 31 balance and age.
- Real Estate CalculatorEstimate sale profit, net proceeds, ROI, and equity multiple from a property sale scenario.
- Take-Home-Paycheck CalculatorEstimate take-home pay per paycheck from salary, pay schedule, pretax deductions, tax estimates, and 2026 employee FICA.
- Rental Property CalculatorEstimate rental cash flow, monthly NOI, cap rate, cash-on-cash return, and mortgage impact.
- IRR CalculatorEstimate IRR from one starting outflow and five evenly spaced cash-flow periods.
- ROI CalculatorCalculate simple ROI from starting cost, ending value, income, and costs.
- APR CalculatorEstimate loan APR from amount borrowed, note rate, term, and upfront finance charges.
- FHA Loan CalculatorEstimate an FHA-style mortgage payment with upfront MIP, monthly MIP, taxes, and insurance.
- VA Mortgage CalculatorEstimate a VA-backed purchase loan payment with common funding-fee logic.
- Home Equity Loan CalculatorEstimate a fixed home equity loan payment, borrowing room, and combined loan-to-value.
- HELOC CalculatorEstimate HELOC interest-only payment, repayment payment, available equity, and CLTV.
- Down Payment CalculatorEstimate down payment, loan amount, loan-to-value, closing costs, and cash needed.
- Rent vs. Buy CalculatorCompare simplified renting cost with buying and selling over a chosen time horizon.
- Payback Period CalculatorEstimate how many years it takes for annual cash flow to recover an initial cost.
- Present Value CalculatorEstimate present value of a future lump sum and regular payment stream.
- Future Value CalculatorEstimate future value of a starting amount and regular payments.
- Commission CalculatorEstimate commission, split amount, and total pay from sales, rate, base pay, and bonus.
- Mortgage Calculator UKEstimate a UK repayment mortgage from property price, deposit, rate, term, and monthly fees.
- Canadian Mortgage CalculatorEstimate a Canadian mortgage payment, loan amount, LTV, and total interest with semi-annual compounding.
- Percent Off CalculatorCalculate sale price, savings, effective discount, and tax after one or two percent-off discounts.
- GDP CalculatorEstimate gross domestic product with C + I + G + net exports, then check GDP per person.
Help choosing a tool and checking its results
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 paymentsEstimate mortgage payment, interest, taxes, insurance, and loan balance assumptions.I need a loan paymentCheck payment, total interest, term, and rate scenarios before comparing real offers.I am checking payConvert hourly, weekly, monthly, and annual pay using work schedule assumptions.I am estimating taxTest taxable income, filing status, deductions, credits, and federal bracket assumptions.I want growth over timeModel 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 guidePayment, interest, taxes, insurance, PMI, HOA, and what the calculator leaves out.Loan guidePrincipal, rate, term, total interest, and why lender offers can still differ.Income tax guideFiling status, taxable income, deductions, credits, and estimate limits.Salary guideHourly, weekly, monthly, and annual pay conversions with gross-pay cautions.
Popular money calculations
Start with the calculator that matches the number you are checking, then read its assumptions before using the result in a real decision.
Useful shortcuts
Interest Rate CalculatorFind the rate hidden inside a fixed payment quote, then compare total interest and APR limits.Sales Tax CalculatorCalculate tax amount and final total from a before-tax price and local rate.Ad Revenue CalculatorEstimate pageviews, CTR, CPC, monthly revenue, and page RPM without treating it as a payout.Personal Loan CalculatorCompare payment, interest, term, APR-style fee cautions, and total cost assumptions.Currency conversion guideUse manual exchange rates, fees, inverse checks, and provider-rate warnings carefully.
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.
Guides for this category
Each guide uses its matching tool, with example numbers and plain limits.
- How to use the Mortgage CalculatorLearn how to estimate a mortgage payment with principal, interest, taxes, insurance, PMI, and HOA costs.
- Loan Payment, Amount, Rate and Term GuideSolve for payment, loan amount, estimated interest rate, or payoff term with fixed-rate examples and limits.
- Auto Loan Calculator GuideEstimate a car payment from vehicle price, sales tax, fees, down payment, trade-in value, rate, and term.
- Interest Calculator GuideCompare simple interest and compound interest with real numbers, annual-rate checks, and clear limits.
- How to use the Payment CalculatorLearn how to estimate a fixed monthly payment, total paid, and interest without falling for the lowest-payment trap.
- How to use the Retirement CalculatorLearn how current savings, monthly contributions, time, and return assumptions shape a retirement projection.
Browse all 85 guides in this category
- How to use the Amortization CalculatorLearn how amortization reduces a loan balance and how extra payments can save interest.
- Investment Calculator GuideLearn how starting money, monthly deposits, return, and time create an investment projection.
- How to use the Inflation CalculatorLearn how an annual inflation rate changes future cost and present buying power.
- How to use the Finance CalculatorLearn how to use the finance calculator for a quick future-balance what-if check.
- Income Tax Calculator GuideLearn how a simplified 2026 U.S. federal ordinary income tax estimate works before you trust the number.
- How to use the Compound Interest CalculatorLearn how principal, deposits, rate, time, and compounding frequency shape compound growth.
- How to use the Salary CalculatorLearn how annual salary converts to monthly, biweekly, weekly, daily, and hourly pay.
- Interest Rate Calculator GuideLearn how to find the annual interest rate from a loan amount, monthly payment, and term.
- Sales Tax Calculator GuideLearn how to calculate sales tax, final total, and receipt rounding from price and rate.
- How to use the Currency CalculatorLearn how to convert currency with a manual exchange rate, optional provider fee, and target-per-source checks.
- How to use the Mortgage Payoff CalculatorLearn how extra monthly principal or a one-time payment can shorten an early mortgage payoff estimate.
- How to use the 401K CalculatorLearn how salary contributions, employer match, time, and return assumptions affect a 401K projection.
- House Affordability Calculator GuideLearn how income, debts, down payment, mortgage rate, property tax, insurance, HOA, and a debt-to-income target shape a home price estimate.
- Savings Calculator GuideLearn how current savings, monthly deposits, rate, and time affect a savings goal.
- APY Calculator GuideLearn how a stated deposit rate and compounding frequency become an estimated annual percentage yield.
- Rent Calculator GuideLearn how to estimate a rent ceiling from income, debts, utilities, and a rent target.
- Annuity Calculator GuideLearn how payment amount, rate, years, frequency, and timing change annuity future value and present value.
- Credit Card Calculator GuideLearn how balance, APR, monthly payment, and new card spending affect payoff time and interest.
- Pension Calculator GuideLearn how final average salary, credited service, and a plan multiplier create a defined-benefit pension estimate.
- Annuity Payout Calculator GuideLearn how starting balance, rate assumption, payout term, and payment frequency affect a fixed-term annuity payout estimate.
- Credit Cards Payoff Calculator GuideLearn how combined card balance, weighted APR, regular payment, and extra payment affect payoff months, interest, and total paid.
- Debt Payoff Calculator GuideLearn how a fixed debt balance, interest rate, regular payment, and extra payment affect payoff months and interest.
- Debt Consolidation Calculator GuideLearn how to compare your current payoff path with a consolidation loan offer before the lower payment distracts you.
- Repayment Calculator GuideLearn how one balance, an annual rate, a regular payment, and an extra payment change payoff time and interest.
- Student Loan Calculator GuideLearn how balance, rate, term, and extra monthly payment affect a standard student loan payment and payoff estimate.
- College Cost Calculator GuideLearn how today's college cost, yearly increases, savings, and aid limits shape a future college gap estimate.
- Simple Interest Calculator GuideLearn how principal, annual interest rate, and time create a simple interest result.
- CD Calculator GuideEstimate CD maturity value, interest earned, and early-withdrawal penalty what-if from APY and term.
- Bond Calculator GuideLearn how face value, market price, coupon rate, and maturity affect coupon income, current yield, and rough YTM.
- Mutual Fund Calculator GuideLearn how starting investment, monthly contributions, expected return, expense ratio, and time affect a mutual fund projection.
- Roth IRA Calculator GuideLearn how current balance, annual contribution, expected return, and years to grow affect a Roth IRA projection before you check 2026 IRS rules.
- IRA Calculator GuideLearn how current IRA balance, annual contribution, expected return, and time affect an IRA projection before you check IRS contribution and deduction rules.
- VAT Calculator GuideLearn how to add VAT to a net amount or remove VAT from a gross amount without using the wrong mode.
- Cash Back or Low Interest Calculator GuideLearn how to compare a cash-back rebate with a low-interest APR offer by total cost.
- Auto Lease Calculator GuideLearn how vehicle price, residual value, money factor, fees, tax, and term shape a car lease payment.
- Depreciation Calculator GuideLearn how cost, salvage value, useful life, asset age, and method affect depreciation and book value.
- Average Return Calculator GuideLearn how starting value, ending value, years, contributions, and withdrawals affect simple average return and CAGR.
- Margin Calculator GuideLearn how selling price and cost turn into profit, profit margin, gross margin, and markup.
- Discount Calculator GuideLearn how one discount, an extra discount, and tax affect final price, savings, and the real checkout total.
- Business Loan Calculator GuideLearn how loan amount, rate, term, and origination fee affect a business loan payment, cash received, and total cost.
- Use Debt-to-Income Ratio CalculatorLearn how gross monthly income, existing debts, and a proposed housing payment create a DTI estimate.
- How to use the Personal Loan CalculatorLearn how a personal loan amount, rate, term, and origination fee affect payment, cash received, and total cost.
- How to use the Boat Loan CalculatorLearn how boat price, down payment, trade-in credit, taxes, fees, rate, and term affect a boat loan payment.
- How to use the Lease CalculatorLearn how asset value, residual value, finance rate, term, upfront payment, and fees affect a lease estimate.
- How to use the Refinance CalculatorLearn how a refinance changes payment, loan balance, closing costs, break-even time, and long-term cost.
- How to use the Budget CalculatorLearn how income, monthly spending, savings, and debt payments turn into leftover money and budget ratios.
- Ad Revenue Calculator GuideEstimate website ad revenue from daily page views, CTR, CPC, monthly revenue, and page RPM.
- Break-Even Calculator GuideLearn how many units or how much sales revenue you need before a product, service, or event covers its costs.
- Markup and Margin Calculator GuideCalculate selling price from markup or target margin, then check profit, margin, and equivalent markup with worked examples.
- Profit Goal Calculator GuideLearn how many units or how much sales revenue you need to cover costs and still hit a target profit.
- Liquidity Ratios Calculator GuideLearn how current ratio, quick ratio, cash ratio, and working capital describe short-term payment strength.
- Debt Ratios Calculator GuideLearn how debt ratio, debt-to-equity, and times interest earned describe debt load and interest cover.
- Operations Ratios Calculator GuideLearn how inventory turnover, asset turnover, receivables turnover, collection days, and equity multiplier show how operations move.
- Profitability Ratios Calculator GuideLearn how gross margin, operating margin, net margin, ROA, ROE, EPS, and P/E connect profit with statements, shares, and price.
- Stock Ratios Calculator GuideLearn how P/E, price-to-sales, price-to-book, dividend yield, and payout ratio compare share price with per-share business numbers.
- Marriage Tax Calculator GuideLearn how two single federal tax estimates compare with a married filing jointly estimate.
- How to use the Estate Tax CalculatorLearn how gross estate, deductions, lifetime taxable gifts, and the 2026 exclusion affect a rough federal estate tax estimate.
- Social Security Calculator GuideLearn how birth year, full-retirement-age benefit, and claiming age change a Social Security retirement estimate.
- RMD Calculator GuideLearn how prior Dec. 31 balance and IRS table factor create a required minimum distribution estimate.
- How to use the Real Estate CalculatorLearn how purchase price, sale price, cash invested, selling costs, and loan payoff affect sale profit, net proceeds, and ROI.
- How to use the Take-Home-Paycheck CalculatorLearn how salary, pay frequency, pretax deductions, tax estimates, and 2026 employee FICA affect take-home pay.
- How to use the Rental Property CalculatorLearn how rent, vacancy, operating costs, mortgage payment, NOI, cap rate, cash flow, and cash-on-cash return fit together.
- How to use the IRR CalculatorLearn how an initial outflow and regular cash flows turn into periodic and annualized IRR.
- How to use the ROI CalculatorLearn how simple ROI compares gain or loss with the starting cost.
- How to use the APR CalculatorLearn how loan fees can make APR higher than the note rate.
- How to use the FHA Loan CalculatorEstimate an FHA-style payment with down payment, upfront MIP, monthly MIP, tax, and insurance.
- VA Mortgage Calculator: Funding Fee GuideLearn how a VA purchase funding fee can affect loan amount and payment.
- How to use the Home Equity Loan CalculatorLearn how home value, mortgage balance, loan amount, and CLTV shape a fixed home equity loan estimate.
- How to use the HELOC CalculatorLearn how a HELOC draw, variable-rate assumption, equity limit, and repayment period affect payment estimates.
- Down Payment Calculator GuideLearn how home price, down payment percent, exact cash, and closing costs shape cash needed.
- How to use the Rent vs. Buy CalculatorLearn how rent growth, mortgage costs, maintenance, appreciation, sale proceeds, and time horizon affect a rent-versus-buy estimate.
- How to use the Payback Period CalculatorLearn how upfront cost, yearly cash flow, and horizon years create a simple payback time.
- How to use the Present Value CalculatorLearn how a discount rate turns future money and regular payments into a value in today’s dollars.
- How to use the Future Value CalculatorLearn how a starting amount, regular payments, rate, and time can grow into a future value.
- How to use the Commission CalculatorLearn how sales amount, commission rate, split percent, base pay, and bonus combine into simple commission pay.
- How to use the Mortgage Calculator UKLearn how a UK repayment mortgage estimate uses property price, deposit, rate, term, and monthly fees.
- Canadian Mortgage Calculator GuideLearn how Canadian mortgage payment math uses down payment, amortization, payment frequency, and semi-annual compounding.
- How to use the Percent Off CalculatorLearn how one or two discounts, tax, and effective discount percent turn a tag price into a final sale price.
- How to use the GDP CalculatorLearn how the expenditure approach adds consumption, investment, government spending, and net exports into GDP. Includes input tips, examples, result checks...