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Calculator category

Financial Calculators

Free financial calculators for loans, mortgages, income, debt, investing, and everyday money decisions.

91 published calculators in this category.

Choose a financial calculator by the question you need to answer

Financial calculations often depend on several inputs and assumptions. Start with the calculator that matches your decision, check the inputs carefully, and use the result as an estimate rather than a substitute for personalized financial advice.

  • โœ“ Check the interest rate, term, payment frequency, and starting balance when they apply.
  • โœ“ Compare scenarios by changing one important input at a time.
  • โœ“ Review the formula, assumptions, and examples on the calculator page before relying on a result.

Browse financial calculators

Choose a tool below to calculate a result and review the method behind it.

Discount Calculator

Calculate sale price and discount savings.

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Sales Tax Calculator

Calculate sales tax and total purchase amount.

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Margin Calculator

Calculate margin from revenue and cost.

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Simple Interest Calculator

Calculate simple interest using principal, annual rate, and years.

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Compound Interest Calculator

Project compound growth with compounding frequency and recurring contributions.

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Break-even Calculator

Find the sales volume and revenue needed to cover fixed and variable costs.

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ROI Calculator

Calculate return on investment.

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Commission Calculator

Calculate sales commission and total earnings from a base amount and commission rate.

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Future Value Calculator

Calculate future value from principal and rate.

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Present Value Calculator

Calculate present value from future value and rate.

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Debt-to-Income Ratio Calculator

Calculate current and proposed debt-to-income ratios from gross monthly income, debts, housing, and new debt.

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Inflation Calculator

Estimate future value after inflation.

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Salary to Hourly Calculator

Convert annual salary into hourly, weekly, and monthly equivalents.

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CAGR Calculator

Calculate compound annual growth rate or solve for future value and initial value over a period.

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Mortgage Calculator

Calculate your monthly mortgage payment including principal, interest, taxes, and insurance (PITI). See the full amortization schedule.

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Mortgage Amortization Calculator

View the complete amortization schedule for any mortgage. See exactly how each payment is split between principal and interest, year by year.

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House Affordability Calculator

Find out how much house you can afford based on your income, debts, and down payment. Uses the 28/36 DTI rule used by mortgage lenders.

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Rent Calculator

Calculate your true total cost of renting including utilities, insurance, parking, and fees. See 10-year projections with annual rent increases.

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Rent vs. Buy Calculator

Compare the true financial cost of renting versus buying a home over time. Find your break-even year and net cost difference.

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Discount Rate Calculator

Estimate a periodic discount rate from present and future values.

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Loan Calculator

Calculate monthly loan payments, total interest, and view a full amortization schedule for any loan amount.

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Rental Property Calculator

Analyze a rental property investment. Calculate monthly cash flow, cash-on-cash return, cap rate, and gross rent multiplier using real expenses.

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Real Estate Calculator

Calculate real estate ROI, home appreciation, equity growth, and total profit on a property sale. Includes optional rental income analysis.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and annual Mortgage Insurance Premium (MIP). See the true monthly cost for low-down-payment buyers.

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VA Mortgage Calculator

Calculate VA loan payments and funding fee for veterans and active-duty service members. No PMI required โ€” see how much you save vs a conventional loan.

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Home Equity Loan Calculator

Calculate how much you can borrow against your home equity. See monthly payments, CLTV ratio, and total cost for a fixed-rate second mortgage.

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HELOC Calculator

Calculate your Home Equity Line of Credit limit, draw-period interest-only payments, and repayment-period P&I payments. See CLTV, max credit line, and total interest across both phases.

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Down Payment Calculator

Calculate how much you need for a down payment and closing costs. See PMI costs, loan-type minimums (FHA, VA, conventional), and a savings timeline to reach your goal.

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Refinance Calculator

Find out if refinancing your mortgage makes sense. Compare monthly savings, break-even point, and lifetime interest savings against closing costs.

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Mortgage Payoff Calculator

See how extra monthly payments or a lump sum can accelerate your mortgage payoff. Calculate interest saved and years cut from your loan term.

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Mortgage Calculator UK

UK mortgage calculator with Stamp Duty Land Tax (SDLT), LTV, repayment vs interest-only, and arrangement fees. First-time buyer and buy-to-let rates included.

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Canadian Mortgage Calculator

Canadian mortgage calculator with semi-annual compounding (Interest Act), CMHC mortgage insurance, monthly and accelerated bi-weekly payment options.

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Personal Loan Calculator

Calculate monthly payments, total interest, and true APR for any personal loan. Supports origination fees to show the real cost of borrowing.

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Auto Loan Calculator

Calculate monthly car loan payments including sales tax, trade-in value, dealer fees, and down payment. See the full amortization schedule.

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Auto Lease Calculator

Calculate monthly car lease payments using money factor, residual value, and cap cost. Understand depreciation, finance charges, and total lease cost.

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Boat Loan Calculator

Estimate boat loan payments, total interest, financed amount, taxes, fees, and yearly amortization from your purchase price and loan terms.

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Payment Calculator

Calculate a fixed-rate loan payment, total interest, total cost, and amortization schedule from the amount, rate, term, and fees.

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Repayment Calculator

Find how many payments you need to clear a balance from your interest rate and planned monthly repayment, with a warning when payment is too low.

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Student Loan Calculator

Estimate student loan payments, origination fees, total interest, payoff time, and savings from an extra monthly payment.

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College Cost Calculator

Project future annual and four-year college costs with inflation, then compare them with current savings and growing annual contributions.

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Credit Utilization Calculator

Calculate revolving balance as a percentage of available credit.

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Debt Snowball Calculator

Order debts from smallest balance to largest for a payoff strategy estimate.

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Debt Avalanche Calculator

Order debts from highest APR to lowest for a payoff strategy estimate.

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Amortization Calculator

Calculate fixed loan payment, total interest, and total cost.

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Bond Calculator

Estimate a coupon bond price from face value, coupon rate, yield, and term.

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Mutual Fund Calculator

Project mutual-fund value with contributions, return, and expense ratio.

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Credit Card Calculator

Estimate a credit-card minimum payment, payoff time, total payments, and interest from balance and APR.

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Credit Cards Payoff Calculator

Combine three card balances and payment assumptions to estimate total interest and the longest payoff period.

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Debt Payoff Calculator

Estimate debt payoff months, total interest, and total payments from a balance, APR, and planned monthly payment.

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Debt Consolidation Calculator

Compare an existing debt payment and interest with a new fixed-rate consolidation payment, fees, and term.

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Cash Back or Low Interest Calculator

Compare a cash-back option with a low-interest option over a selected term.

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Interest Calculator

Calculate simple interest and total value from principal, rate, and time.

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Interest Rate Calculator

Solve the annual compound rate required to grow a principal to a final value.

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Investment Calculator

Project future investment value from starting balance, contributions, return, and time.

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Retirement Calculator

Project retirement savings from current balance, contributions, employer contribution, return, and years.

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401K Calculator

Project 401K value with monthly contributions and an employer match assumption.

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Roth IRA Calculator

Project Roth IRA value from current balance, monthly contribution, return, and years.

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IRA Calculator

Project IRA value from current balance, monthly contribution, return, and years.

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RMD Calculator

Estimate a required minimum distribution from a retirement balance and divisor.

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Annuity Calculator

Estimate periodic annuity payment, total payments, and interest.

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Annuity Payout Calculator

Estimate a periodic payout from an annuity balance, rate, and term.

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Savings Calculator

Project savings growth with starting balance, monthly contributions, rate, and time.

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CD Calculator

Estimate certificate of deposit growth from principal, rate, and term.

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Income Tax Calculator

Estimate income tax from amount and tax-rate assumption.

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Salary Calculator

Estimate salary after a tax-rate assumption.

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Take-Home-Paycheck Calculator

Estimate take-home amount from gross pay and tax-rate assumption.

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Marriage Tax Calculator

Estimate combined tax from two incomes and a shared rate assumption.

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Depreciation Calculator

Estimate declining book value.

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Average Return Calculator

Estimate annualized return.

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Percent Off Calculator

Calculate sale price after a percentage discount.

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Business Loan Calculator

Estimate business loan payments.

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Lease Calculator

Estimate lease payments.

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Budget Calculator

Calculate remaining budget after costs.

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IRR Calculator

Estimate an annualized internal rate of return.

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APR Calculator

Estimate annual percentage rate.

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Payback Period Calculator

Estimate time to recover an investment.

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Estate Tax Calculator

Estimate taxable estate and estate tax from an exemption and tax-rate assumption.

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Finance Calculator

Calculate a fixed-rate finance payment and total interest.

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Pension Calculator

Project a pension fund from current savings, contributions, return, and years.

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Social Security Calculator

Estimate a monthly benefit from average earnings, a cap, and a replacement-rate assumption.

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Currency Calculator

Convert an amount using a user-supplied exchange rate.

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VAT Calculator

Calculate VAT amount and total price from a base amount and VAT rate.

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Emergency Fund Calculator

Estimate a cash reserve target, savings gap, months to goal, and current expense coverage.

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Loan-to-Value Calculator

Calculate LTV, estimated equity, equity percentage, and an educational combined LTV with a second lien.

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Discounted Cash Flow Calculator

Estimate enterprise value by discounting forecast free cash flow and a terminal value.

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Capital Gains Calculator

Estimate a realized gain or loss, adjusted basis, and illustrative tax amount.

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Dividend Calculator

Estimate dividend income, portfolio yield, and monthly or quarterly equivalents.

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Business Valuation Calculator

Estimate enterprise value and equity value from revenue, EBITDA margin, valuation multiple, and net debt.

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Debt Service Coverage Ratio Calculator

Calculate debt service coverage from net operating income and annual debt service.

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Car Affordability Calculator

Estimate a vehicle price and payment budget from income, existing debt, down payment, rate, and term assumptions.

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Bond Yield Calculator

Estimate annual coupon income, current yield, and an approximate yield to maturity.

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