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.

53 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.

• 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.

• 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 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.

• 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.

• 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-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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.