Calculators for everyday decisions
Free calculators for everyday decisions
Plan a credit card payoff, check whether a car fits your student budget, and compare the numbers before you decide. Simple tools, clear results, no signup required.
Recently answered questions
See all answered questionsPersonal Finance
Debt Snowball Calculator See how long your debts take to clear when you target the smallest balance first. See more → Debt Avalanche Calculator See how long debts take to clear when you target the highest interest rate first. See more → Credit Utilization Calculator Work out the share of credit limit in use, and how much to pay down. See more → Debt Consolidation Calculator Compare paying current debts separately with one consolidation loan, including its fee and total interest. See more → Credit Card Cash Back Calculator Estimate yearly cash back from card spending, minus any annual fee, to judge rewards value. See more → Personal Loan vs Credit Card Calculator Compare paying a card balance with a personal loan for the same amount, including fees. See more → Retirement Plan Match Calculator Work out what your employer adds to your retirement plan, and the full-match contribution needed. See more → Salary to Hourly Calculator Convert an annual salary into pay per hour, per day, per week, and per month. See more → Pay Raise Calculator See what a pay raise adds to your yearly salary and each paycheck before tax. See more → Overtime Pay Calculator Work out overtime pay from your hourly rate, extra hours, and your employer's overtime multiplier. See more → Coast FIRE Calculator Find how much you need saved today for growth alone to reach your retirement target. See more → Stock Profit Loss Calculator Work out the profit or loss on a stock position, including fees, dividends, and break-even. See more → Credit Card Debt Payoff Calculator See how much of each card payment goes to interest, and compare the payoff plans. See more → If I Had Bought Stock Calculator Estimate what a stock purchase would be worth today, as a dollar gain and return. See more → Roth IRA Calculator Project how a Roth IRA grows, and compare it with a traditional IRA taxed later. See more →
Home & Housing
Mortgage Refinance Calculator Compare your current mortgage with a refinanced one, including the monthly saving and payback time. See more → HELOC Payment Calculator See the interest-only payment on a home equity line of credit during the draw period. See more → Rent vs Buy Calculator Compare the cost of buying a home with renting over the same years, including equity. See more → Home Affordability Calculator Find the most expensive home that keeps housing payments within your chosen share of income. See more → Mortgage Closing Cost Calculator Add up the fees you expect at a mortgage closing, and cash needed to close. See more → Mortgage Points Calculator See what mortgage discount points cost, and how long the saving takes to repay them. See more → Mortgage Recast Calculator See how a lump-sum payment lowers mortgage payments after a recast, and what it saves. See more → House Payment Calculator Estimate your monthly house payment with principal, interest, property tax, insurance, PMI, and HOA fees. See more → FHA Loan Calculator Estimate the monthly payment on an FHA mortgage, including upfront mortgage insurance and property taxes. See more →
Savings & Budgeting
Compound Interest Calculator See how a balance grows with monthly compounding and regular deposits, shown as estimates only. See more → Emergency Fund Calculator Work out how much to keep in an emergency fund from your essential monthly expenses. See more → Savings Goal Calculator Work out the steady monthly deposit you need to reach a savings goal in time. See more → Inflation Calculator See what money will cost in the future at a yearly inflation rate you choose. See more → 50/30/20 Budget Calculator Split take-home pay into needs, wants, and savings, then adjust the plan to your costs. See more → Monthly Budget Calculator Add up your monthly costs against take-home pay to see what is left each month. See more → Net Worth Calculator Add up what you own and what you owe to see your net worth, itemized. See more → Paycheck Calculator Estimate take-home pay per paycheck after federal income tax, Social Security, Medicare, and your deductions. See more → Temu Cash Back Calculator Work out the portal cash back each Temu order earns, plus its net cost today. See more →
Loans & Credit
Loan Payment Calculator Estimate the monthly payment on any fixed-rate loan, with the total interest and total repaid. See more → Amortization Calculator See how a loan is paid down, with interest and principal shown for any year. See more → Debt-to-Income Calculator Work out the share of your gross monthly income that goes to all debt payments. See more → Loan Comparison Calculator Put two loan offers side by side, with monthly payment and total cost of each. See more → Simple Interest Calculator Work out simple interest on a loan or deposit from principal, yearly rate, and years. See more → APR Calculator Estimate the annual percentage rate of a loan that includes upfront fees, for fair comparison. See more → Credit Card Interest Calculator Estimate the interest a credit card charges in one billing cycle and the daily rate. See more →
Auto & Transport
Auto Loan Refinance Calculator Compare what you owe on a car with a refinanced loan, and see the saving. See more → Lease vs Buy Calculator Compare total leasing costs with buying a car on a loan over the same period. See more → Total Cost of Ownership Calculator Add up what a car loses in value and running costs, then see the total. See more → Car Depreciation Calculator Estimate what a car will be worth after years at a depreciation rate you choose. See more → Gas Mileage Cost Calculator Estimate what fuel costs for a car each year, each month, and per mile driven. See more → Car Payment Calculator for Students Estimate a car loan payment and the monthly ownership costs on a tight student budget. See more →
Student Finance
Student Loan Repayment Calculator Estimate the monthly payment on a student loan, and how an extra payment shortens it. See more → College Tuition Calculator Estimate what a full degree costs when tuition rises each year, and final year cost. See more → College Savings Calculator See what college will cost after tuition increases, and the monthly deposit to save up. See more → Student Living Expenses Calculator Add up a typical student month of living costs and see what is left over. See more → Student Loan Refinance Calculator Compare your student loan with a refinanced one, including the monthly saving and total interest. See more →
Categories
Personal FinanceDebt, savings, and payoff planning. Auto & TransportCar loans and monthly ownership costs. Home & HousingMortgage payments and the full monthly cost of a home. Loans & CreditLoan payments, interest, and what a loan really costs. Student FinanceStudent loans, college costs, and student budgets. Savings & BudgetingSavings goals, emergency funds, and growth over time.
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