Finance calculators
Finance calculators for mortgages, loans, savings, investments, tax, and retirement planning. Each one implements the correct formula and shows a worked example so you understand where the number comes from.
71 calculators
- 401(k) Calculator
Project your 401(k) balance at retirement from salary, employee deferral, employer match, expected return, and years to retirement — with the 2025 IRS limits applied automatically.
- 403(b) Calculator
Project your 403(b) balance at retirement from salary, your elective deferral, your employer contribution, expected return and years to retirement — with 2025 IRS limits applied automatically.
- 50/30/20 Budget Calculator
Enter your monthly take-home income and a target split. The calculator divides your paycheck into needs, wants, and savings, and shows what each bucket is worth annually.
- AGI Calculator
Work out your Adjusted Gross Income — the figure on IRS Form 1040 Line 11 — from your wages, other taxable income, IRA and HSA contributions, student loan interest and other above-the-line adjustments.
- Alternative Minimum Tax (AMT) Calculator
Work out the extra federal tax you owe under the Alternative Minimum Tax on IRS Form 6251 — using the 2025 exemption, phaseout and 26%/28% TMT rates for your filing status.
- Amortization Calculator
Work out the monthly payment on any fixed-rate loan and see how much of each payment goes to interest versus principal.
- Annuity Calculator
Compute the future value, present value, or periodic payment of an annuity — the textbook time-value-of-money formulas used by Excel's FV(), PV(), and PMT() functions.
- Annuity Future Value Calculator
Project the future value of regular payments — with or without a starting balance — using the standard ordinary-annuity and annuity-due formulas.
- Annuity Payout Calculator
Work out the regular income a lump sum produces when annuitised at a given return rate over a fixed term — the textbook PMT formula used by Excel.
- ARM Mortgage Calculator
Model the initial fixed payment and the payment shock at the first rate reset on a US hybrid ARM, with the lifetime cap applied.
- Auto Lease Calculator
Estimate the monthly payment on a US car lease using the standard depreciation + finance charge + tax formula. Adjust vehicle price, residual, APR, term and tax to compare deals.
- Average Return Calculator
Calculate the compound annual growth rate (CAGR) of an investment from its starting value, ending value, and the number of years held — the single number that summarises average annual performance with compounding.
- Biweekly Mortgage Calculator
Compare a standard monthly mortgage with a biweekly payment plan and see how much time and interest you save.
- Boat Loan Calculator
Estimate the monthly payment, total interest and true cost of a secured fixed-rate boat loan. Adjust the boat price, down payment, interest rate and term to compare offers.
- Bond Price Calculator
Price any fixed-coupon bond from its coupon rate, term, and market yield. The result shows the clean price, current yield, total coupons over the holding period, and whether the bond trades at a premium or discount to par.
- Business Loan Calculator
Estimate the monthly payment, total interest and origination fee on a fixed-rate business term loan, and see the true cost of borrowing once fees are included.
- Buy-to-Let Mortgage Calculator
Work out your monthly payment, gross rental yield, interest coverage ratio (ICR), and LTV for a UK buy-to-let property.
- Canadian Mortgage Calculator
Estimate the monthly payment and total interest on a Canadian fixed-rate mortgage, with the semi-annual compounding required by the federal Interest Act.
- Capital Gains Yield Calculator
Calculate the capital gains yield on a share — the price-only portion of its return — along with the dividend yield and total stock return from the purchase price, current price, and annual dividend.
- Cash Back vs Low Interest Auto Loan Calculator
Auto dealers often run the same promotion two ways — a cash-back rebate at the standard finance rate, or a low promotional APR with no rebate. Enter the numbers and see which one actually costs you less.
- CD (Certificate of Deposit) Calculator
Project the maturity value of a US certificate of deposit at any APY and term. APY is the effective annual rate banks must disclose under Truth in Savings, so compounding frequency is already baked into the rate.
- College Cost Calculator
Estimate the total cost of a future US college degree. Inflate today’s annual cost forward to the year of enrollment and sum across the years of attendance to see what the sticker price actually grows into.
- Compound Interest Calculator
Project the future value of a deposit (with optional regular contributions) at any rate, term, and compounding frequency — the universal time-value-of-money formula.
- Credit Card Payoff Calculator
Find out how long it takes to clear a credit card balance at a fixed monthly payment, and how much of every payment is interest versus principal.
- Debt Avalanche Calculator
Model the avalanche payoff method — pay minimums on every debt, then send every spare pound or dollar at the highest-APR balance until it clears, then roll its payment into the next one.
- Debt Snowball Calculator
Model the snowball payoff method — pay minimums on every debt, then send every spare pound or dollar at the smallest balance until it clears, then roll its payment into the next-smallest balance.
- Debt-to-Income (DTI) Calculator
Work out the debt-to-income ratio lenders use when underwriting a mortgage, car loan, or refinance. Splits housing-only (front-end) from total (back-end) DTI and flags the band you fall in.
- Debt-to-Income Ratio Calculator
Work out your back-end and front-end DTI from gross monthly income, housing payment, and other monthly debts. Uses the standard CFPB / Fannie Mae definition that mortgage underwriters apply.
- Down Payment Calculator
Enter a home price and a deposit percentage to see the down payment, the loan amount you need to borrow, and the estimated monthly mortgage payment.
- Equivalent Interest Rate Calculator
Two nominal rates are equivalent when they compound to the same effective annual rate. Enter a rate and its compounding frequency, choose a target frequency, and see the matching nominal rate.
- FHA Loan Calculator
Work out the full monthly cost of an FHA-backed mortgage — including the 1.75% upfront MIP and the monthly MIP that every FHA loan carries.
- Fixed Deposit (FD) Calculator
Project the maturity value of a fixed deposit at any nominal rate, term, and compounding frequency. Defaults to quarterly compounding, the convention used by most Indian and Asian banks for term deposits.
- Florida Sales Tax Calculator
Work out Florida sales tax on a purchase — the 6% state rate plus the county discretionary surtax for the destination of the sale. Handles the $5,000 single-item cap on the county surtax that trips up most other online calculators.
- Future Value Calculator
Work out the future value of a present-day lump sum and a stream of regular payments at any nominal annual rate, term, and compounding frequency — the textbook time-value-of-money formula behind Excel's FV() function.
- HELOC Calculator
Estimate the maximum home equity line of credit you could qualify for, and the interest-only monthly payment on a fully drawn line.
- Home Equity Loan Calculator
Work out the fixed monthly payment, total interest and lifetime cost of a home equity loan — a lump-sum, fixed-rate second mortgage secured against your home.
- House Affordability Calculator
Estimate the maximum home price you can afford in the US, using the 28/36 debt-to-income rule with a 30-year fixed mortgage and full PITI (principal, interest, taxes, insurance).
- Inflation Calculator
Adjust an amount from one year to another at a chosen average annual inflation rate, with cumulative inflation and lost purchasing power shown alongside.
- Interest Rate Calculator
Work out the annual interest rate on a fixed-rate amortising loan from the loan amount, the monthly payment, and the term in months — useful when the lender quotes a payment but not the underlying rate.
- Interest-Only Mortgage Calculator
Model an interest-only mortgage: low payments while the IO period runs, plus the higher fully-amortising payment that kicks in when it ends.
- Investment Calculator
See how a starting balance and a steady monthly contribution can grow at a chosen rate of return, with both the nominal ending balance and the inflation-adjusted value in today's money.
- IRA Calculator — Traditional vs Roth
Project the balance of a Traditional or Roth IRA at retirement, compare after-tax outcomes side-by-side, and see how the 2025 IRS contribution limits apply to you.
- ISA Savings Calculator
Calculate how much your ISA could be worth over time with regular contributions and compound growth — and see exactly how much is tax-free gains.
- Modified Adjusted Gross Income (MAGI) Calculator
Compute your MAGI for Roth IRA contribution eligibility using the exact add-backs on IRS Publication 590-A Worksheet 2-1 — then see how the 2025 phase-out band applies to your filing status.
- Mortgage Affordability Calculator
Estimate how much a UK lender might let you borrow based on income, monthly outgoings, deposit, and the salary multiple your lender applies.
- Mortgage Payoff Calculator
See how many years sooner you can pay off your mortgage and how much interest you save by adding a fixed extra amount to every monthly payment.
- Mortgage Repayment Calculator
Work out exactly what your monthly mortgage payment will be — and how much interest you'll pay over the full term.
- Mutual Fund Returns Calculator
Estimate the maturity value of a mutual fund investment — a starting lump sum plus a monthly SIP — at any expected annual return and time horizon. Uses the standard SIP future-value formula with monthly compounding.
- Overtime Paycheck Calculator
Compute the gross paycheck for a US non-exempt hourly worker with overtime, using the Fair Labor Standards Act 1.5× time-and-a-half rate or a 2.0× double-time premium.
- P/E Ratio Calculator
Compute price-to-earnings ratio, earnings yield, and market capitalisation from share price and EPS. Uses the universal Brealey/Myers identity used in every equity-analysis textbook.
- Pension Drawdown Calculator
Project how long your pension pot will last — or whether it will sustain your withdrawals indefinitely.
- Personal Loan Calculator
Estimate the monthly payment, total interest and origination fee on a fixed-rate unsecured personal loan, and see the true cost of borrowing once fees are included.
- Present Value Calculator
Discount a future lump sum and a stream of regular payments back to today's money at any nominal annual rate, term, and compounding frequency — the textbook time-value-of-money formula behind Excel's PV() function.
- Refinance Calculator
Find out whether refinancing your mortgage actually pays off — and how many months until the lower payment covers the closing costs.
- Rent Affordability Calculator
Work out how much rent you can comfortably afford from your gross monthly income using the 30% rule and the 40% debt-to-income cap most landlords screen against.
- Rent vs Buy Calculator
Compare buying a home with renting on a like-for-like basis. The calculator equalises monthly cash flow, compounds the renter's alternative investment, and reports the break-even year where buying pulls ahead.
- Required Minimum Distribution (RMD) Calculator
Calculate your IRS-required annual withdrawal from a traditional IRA, 401(k), 403(b), or other tax-deferred retirement account using the IRS Uniform Lifetime Table.
- Retirement Calculator
Project the retirement nest egg you are on track to build, then convert it into a sustainable monthly income — with both nominal figures and an inflation-adjusted view in today's money.
- ROI Calculator
Work out the total return on an investment, the net profit, and the annualised growth rate (CAGR) from your initial outlay, final value, and holding period.
- Roth IRA Calculator
Project the tax-free balance of a Roth IRA at retirement, with 2025 IRS contribution limits and MAGI phase-out applied automatically by filing status.
- Salary Calculator
Convert any pay rate into every other frequency in one step. Enter what you earn — hourly, weekly, monthly, or annual — and see the equivalent across all seven standard pay periods.
- Sales Tax Calculator
Add US state-and-local sales tax to a pre-tax subtotal or extract the tax element from a tax-inclusive total. Enter the combined rate for the destination of the sale — typical US combined rates range from 0% to about 9.55%.
- Savings Goal Calculator
Enter your savings target, your current balance, your monthly deposit, and the interest rate to see how many months it will take to reach the goal — solved with the standard time-value-of-money formula.
- Student Loan Calculator
Enter your remaining loan balance, interest rate, and the monthly amount you can pay — the calculator returns payoff time, total interest, and how much you save by adding an extra fixed amount each month. Works for US federal/private and UK Plan-style loans on the repayment side.
- UK Capital Gains Tax Calculator 2025/26
Work out the capital gains tax you owe on shares, property, or other assets — split across the 18% and 24% bands using HMRC 2025/26 rules.
- UK Dividend Tax Calculator 2025/26
Find out exactly how much tax you owe on your dividend income — split across basic, higher, and additional rate bands — using the 2025/26 HMRC rates.
- UK Stamp Duty Calculator 2025/26
Calculate the Stamp Duty Land Tax owed on your property purchase using HMRC 2025/26 bands — including first-time buyer relief and the 5% additional-property surcharge.
- UK Take-Home Pay Calculator 2025/26
See exactly how much salary you keep after income tax and National Insurance, using the 2025/26 HMRC bands. Switch to Scottish rates if you live in Scotland.
- US Federal Estate Tax Calculator 2026
Estimate the federal estate tax owed on a US estate using the 2026 basic exclusion amount and the IRC § 2001 top rate.
- VA Mortgage Calculator
Estimate the monthly payment, VA funding fee, and total cost of a US Department of Veterans Affairs home loan, with the funding fee financed into the balance.
- VAT Calculator
Add VAT to a net price or strip VAT out of a gross price. Defaults to the UK 20% standard rate; switch to 5% reduced, 0% zero, or any custom rate for EU VAT, Australian GST, or other invoice-credit VAT systems.