Calculators for loans, growth, retirement, real costs, and planning your money.
- Mortgage CalculatorMonthly principal & interest, total interest, and how down payment, rate, and term affect costs.
- Compound InterestGrowth with optional monthly contributions.
- Time to $1MYears to reach a million with contributions and growth.
- FIRE NumberHow much you need to retire early.
- Student Loan PayoffPayoff timeline and interest saved with extra payments.
- Auto Loan CalculatorMonthly car payment, interest, taxes, fees, and trade-in.
- Credit Card PayoffMonths to payoff and interest saved with extra payments.
- Rent vs BuyCompare long-term costs of renting versus owning a home.
- Emergency Fund & RunwayHow long your savings will last and what target to aim for.
- Break-even AnalysisUnits and revenue needed to cover your costs.
- Home AffordabilityEstimate the home price you can realistically afford.
- Inflation CalculatorPurchasing power over time and future equivalents.
- TDEE & Macro CalculatorBMR, maintenance calories, and protein/fat/carb targets for cutting, bulking, or maintaining.
- True Hourly Wage CalculatorReal take-home hourly rate after taxes, commute, unpaid breaks, and work expenses.
- Debt Snowball vs AvalancheCompare payoff order, timeline, and interest saved across multiple debts with extra payments.
- Refinance Break-EvenMortgage refi calculator: new payment, monthly savings, break-even months, and total interest difference.
- Budget Planner50/30/20 and custom budget. Income, categories, breakdown, remaining, and suggestions.
- 401k & Retirement GrowthProject 401(k) balance with contributions, employer match, raises, and expected returns.
- Paycheck Take-Home EstimatorRough US paycheck estimator: federal, FICA, simple state, pre-tax deductions, and net pay.
- Safe Withdrawal Rate (FIRE)Monte Carlo and deterministic projections for safe withdrawal rates and sequence risk.
- Roth vs Traditional IRACompare after-tax retirement balances for Roth vs Traditional IRA contributions.
- HSA Contribution OptimizerCompare the powerful tax advantages of an HSA versus a taxable brokerage account.
- Sales Tax CalculatorCalculate sales tax and totals with multiple rates, discounts, and shipping. Compare tax-inclusive vs exclusive instantly.
- Commission CalculatorCalculate earnings from flat rate, tiered, or quota-based sales commissions. Includes draw recovery and splits.
- Savings Goal DateFind the month and year you hit your savings target given monthly contributions and expected return.
- Dividend Yield & IncomeCompute yield percent and yearly dividend cash from shares owned and price.
- Rule of 72Estimate years to double your money (or rate needed to double in X years). Classic quick finance rule.
- 529 College Savings PlannerProject college savings with monthly contributions, expected return, and tax-free growth.
- Car Lease vs BuyCompare total cost of leasing vs buying a car with down payment, terms, and residual.
- Home Equity Loan vs HELOCCompare fixed-rate home equity loan vs variable HELOC payments and total interest.
- Credit Score SimulatorRough simulator: see how utilization, late payments, and new credit affect score ranges.
- Side Hustle Tax EstimatorEstimate self-employment tax + income tax on gig income after standard deductions.
- Dividend Reinvestment PlannerSee growth with vs without reinvesting dividends over years.
- Capital Gains Tax CalculatorEstimate long-term capital gains tax on stock sale with income bracket.
- Bond Yield to MaturityCalculate YTM given price, coupon, face value, and years to maturity.
- Options Breakeven CalculatorCompute breakeven prices for long/short calls and puts.
- Mortgage Extra Payment CalculatorSee how extra monthly or one-time mortgage payments shorten payoff time and reduce interest.
- Mortgage Biweekly Payment CalculatorCompare monthly mortgage payments with biweekly payments and the interest savings from one extra payment per year.
- Mortgage Points Break-Even CalculatorFind when buying mortgage discount points pays back through lower monthly payments.
- ARM vs Fixed Mortgage CalculatorCompare a fixed-rate mortgage with an adjustable-rate mortgage intro period and reset payment.
- Mortgage Amortization ScheduleSee yearly principal, interest, and remaining balance for a fixed-rate mortgage.
- Mortgage Payoff Date CalculatorEstimate the date your mortgage will be paid off from balance, rate, and payment.
- PMI Removal CalculatorEstimate when your loan-to-value reaches the threshold where PMI can usually be removed.
- PMI Cost CalculatorEstimate monthly private mortgage insurance and its impact on your housing payment.
- FHA Loan Payment CalculatorEstimate FHA payment including upfront MIP, monthly MIP, taxes, and insurance.
- VA Loan Payment CalculatorEstimate VA loan payment including funding fee, taxes, insurance, and no monthly PMI.
- Buyer Closing Costs CalculatorEstimate cash needed to close from down payment, lender fees, title costs, prepaids, and credits.
- Seller Net Sheet CalculatorEstimate home sale proceeds after payoff, commissions, closing costs, concessions, and liens.
- Debt-to-Income Ratio CalculatorCalculate front-end and back-end DTI from income, housing payment, and monthly debts.
- Loan-to-Value CalculatorCalculate mortgage LTV, combined LTV, equity, and equity percentage.
- Cash-Out Refinance CalculatorEstimate cash out, new loan-to-value, new payment, and refinance cost impact.
- Mortgage Recast CalculatorEstimate lower monthly payment after a lump-sum mortgage recast.
- 2-1 Buydown CalculatorCalculate temporary first-year and second-year mortgage payment savings from a 2-1 buydown.
- HELOC Payment CalculatorEstimate interest-only and amortizing HELOC payments from balance, rate, and repayment term.
- Refinance vs Extra Payment CalculatorCompare refinancing with keeping your mortgage and paying extra principal each month.
- APR vs Interest Rate CalculatorEstimate APR-style borrowing cost from interest rate, loan term, and lender fees.
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