Financial Calculator
Yes — every calculator is 100% free, with unlimited use and no sign-up required.
46 free calculators
Banking & Budgeting
50/30/20 Budget Calculator
Organize your net take-home salary into Needs (50%), Wants (30%), and Wealth Savings (20%).
Use calculator →APR vs. APY Interest Rate Converter
Convert nominal APR to effective Annual Percentage Yield (APY) based on compounding.
Use calculator →CD (Certificate of Deposit) Calculator
Calculate guaranteed earnings and APY interest on bank certificates of deposit.
Use calculator →College Cost & 529 Savings Calculator
Project future university tuition inflation and required monthly 529 plan savings.
Use calculator →Inflation Calculator
Calculate the loss of purchasing power on uninvested cash and future equivalent costs.
Use calculator →Savings Goal Calculator
Calculate how much to save monthly to reach any financial goal by your target date.
Use calculator →Simple Interest Calculator
Calculate linear simple interest (I = P * r * t) and compare with compound growth.
Use calculator →Business & Valuation
Commission Calculator
Calculate sales rep and real estate agent commission earnings based on tiered rates.
Use calculator →Depreciation Calculator (Straight-Line & MACRS)
Calculate annual asset depreciation expense and book value schedules.
Use calculator →Discount & Percent Off Calculator
Calculate sale prices, dollar savings, and stacked double discounts.
Use calculator →Margin & Markup Calculator
Calculate Gross Profit Margin, Markup percentage, and price points from COGS.
Use calculator →Present Value & Future Value (TVM) Calculator
Calculate the Time Value of Money (PV, FV, Discount Rate, and Compounding).
Use calculator →ROI (Return on Investment) Calculator
Calculate total ROI, annualized CAGR, and capital payback periods on investments.
Use calculator →Loans & Debt Payoff
Auto Lease Calculator
Calculate monthly vehicle lease payments based on MSRP, negotiated selling price, and money factor.
Use calculator →Auto Loan Calculator
Calculate monthly car payments factoring in vehicle price, trade-in equity, sales tax, and dealer fees.
Use calculator →Boat & RV Loan Calculator
Calculate marine and RV installment loan payments up to 15-20 year terms.
Use calculator →Credit Card Payoff Calculator
Calculate how long to pay off credit card balances and discover massive interest savings over minimums.
Use calculator →Debt Consolidation Calculator
Compare multiple high-interest debts against a single low-interest consolidation loan.
Use calculator →Debt-to-Income (DTI) Calculator
Calculate your Front-End and Back-End Debt-to-Income ratios for mortgage and loan eligibility.
Use calculator →Loan Calculator
Calculate monthly payments, interest cost, and amortization for any installment loan.
Use calculator →Student Loan Calculator
Calculate student loan repayments under standard, extended, and accelerated payoff plans.
Use calculator →Mortgage & Real Estate
Amortization Calculator
Full monthly and annual loan amortization schedules with downloadable CSV reports.
Use calculator →Canadian Mortgage Calculator
Calculate Canadian mortgage payments with semi-annual compounding and CMHC insurance rules.
Use calculator →Down Payment Calculator
Calculate target down payment amounts, PMI elimination milestones, and savings timelines.
Use calculator →FHA Loan Calculator
Calculate FHA mortgage payments with 3.5% down and upfront/annual Mortgage Insurance Premiums (MIP).
Use calculator →HELOC Calculator
Calculate Home Equity Line of Credit draw period payments and repayment schedules.
Use calculator →House Affordability Calculator
Discover how much house you can afford based on your income, monthly debts, and down payment.
Use calculator →Mortgage Calculator
Calculate monthly mortgage payment including principal, interest, taxes, insurance (PITI), and HOA.
Use calculator →Mortgage Payoff Calculator
See how extra monthly, annual, or lump-sum payments shave years off your mortgage and save thousands.
Use calculator →Refinance Calculator
Calculate monthly savings and exact break-even timeline for refinancing your existing mortgage.
Use calculator →Rent vs. Buy Calculator
Determine whether renting or buying builds greater long-term net wealth over your time horizon.
Use calculator →Rental Property Calculator
Analyze real estate investment cash flow, Cap Rate, Net Operating Income (NOI), and Cash-on-Cash return.
Use calculator →UK Mortgage Calculator
Calculate UK mortgage payments, LTV ratios, and Stamp Duty Land Tax (SDLT).
Use calculator →VA Mortgage Calculator
Calculate VA loan payments with 0% down payment and no monthly mortgage insurance (PMI).
Use calculator →Retirement & Investing
Annuity & Annuity Payout Calculator
Calculate future annuity balances or fixed guaranteed monthly retirement payouts.
Use calculator →Compound Interest Calculator
Project future investment growth with recurring deposits, compounding frequencies, and inflation adjustments.
Use calculator →Mutual Fund & ETF Fee Drag Calculator
Calculate how high management expense ratios (1.0%+) eat into your lifetime portfolio returns.
Use calculator →RMD (Required Minimum Distribution) Calculator
Calculate mandatory IRS Required Minimum Distributions starting at age 73.
Use calculator →Retirement & 401(k) Calculator
Plan your retirement nest egg, employer match compounding, and safe 4% rule withdrawal income.
Use calculator →Roth IRA vs. Traditional IRA Calculator
Compare after-tax retirement wealth between a tax-free Roth IRA and a pre-tax Traditional IRA.
Use calculator →Social Security Calculator
Estimate your monthly Social Security retirement checks at ages 62, 67 (FRA), and 70.
Use calculator →Taxes & Paycheck
Estate Tax Calculator
Calculate federal estate tax liability and exemption thresholds for high-net-worth wealth transfers.
Use calculator →Income Tax Calculator
Estimate your Federal, State, and FICA payroll taxes with marginal bracket breakdowns.
Use calculator →Marriage Tax Calculator (Bonus / Penalty)
Discover if getting married results in a tax bonus or penalty for dual vs single earners.
Use calculator →Salary & Take-Home Paycheck Calculator
Calculate exact weekly, bi-weekly, semi-monthly, and monthly net paycheck amounts.
Use calculator →Sales Tax & VAT Calculator
Add sales tax to pre-tax prices or extract embedded VAT / GST from gross receipts.
Use calculator →US State Tax Calculators
Alaska Income Tax Calculator (2026)
Calculate Alaska income tax and take-home pay for 2026.
Use calculator →Arizona Income Tax Calculator (2026)
Calculate Arizona income tax and take-home pay for 2026.
Use calculator →California Income Tax Calculator (2026)
Calculate California income tax and take-home pay for 2026.
Use calculator →Florida Income Tax Calculator (2026)
Calculate Florida income tax and take-home pay for 2026.
Use calculator →Georgia Income Tax Calculator (2026)
Calculate Georgia income tax and take-home pay for 2026.
Use calculator →Idaho Income Tax Calculator (2026)
Calculate Idaho income tax and take-home pay for 2026.
Use calculator →Illinois Income Tax Calculator (2026)
Calculate Illinois income tax and take-home pay for 2026.
Use calculator →Michigan Income Tax Calculator (2026)
Calculate Michigan income tax and take-home pay for 2026.
Use calculator →New York Income Tax Calculator (2026)
Calculate New York income tax and take-home pay for 2026.
Use calculator →North Carolina Income Tax Calculator (2026)
Calculate North Carolina income tax and take-home pay for 2026.
Use calculator →Pennsylvania Income Tax Calculator (2026)
Calculate Pennsylvania income tax and take-home pay for 2026.
Use calculator →Texas Income Tax Calculator (2026)
Calculate Texas income tax and take-home pay for 2026.
Use calculator →Other Tax Calculators
Germany Income Tax Calculator (2026)
Calculate German income tax and social contributions for 2026, with take-home pay.
Use calculator →Ireland Income Tax Calculator
Calculate Ireland income tax and take-home pay for 2026, with USC and PRSI.
Use calculator →Netherlands Income Tax Calculator
Calculate Netherlands income tax and take-home pay for 2026, with Box 1 rates and tax credits.
Use calculator →Complete Guide to Financial Calculator
How to get the most from our money tools — and answers to common questions.
Buying a home, paying off debt, or planning retirement? Our free financial calculators turn tricky money questions into clear numbers. Pick a tool above, enter a few figures, and get an instant breakdown — with the formula shown so you always know where the answer comes from.
How accurate is the mortgage calculator?
It uses the standard amortization formula and gives results accurate to the cent, based on the numbers you enter. Your lender may add PMI, taxes, or HOA fees.
Do the calculators work on mobile?
Absolutely. All tools are fully responsive and work on phones, tablets, and desktops.
What's the difference between APR and APY?
APR is the simple annual interest rate, while APY accounts for compound interest — so APY is usually slightly higher.
Popular financial calculators
Start with the tools visitors use most.