Finance Calculators
Loans, interest, savings and investment calculators with full formulas and worked examples.
Amortization CalculatorSee the full amortization schedule for any fixed-rate loan: monthly detail for year one, then yearly totals, plus payment and total interest.Annuity Payout CalculatorCalculate the monthly payout a balance can sustain for a set number of years, or flip it to see how long a fixed monthly withdrawal will last.APY CalculatorConvert a nominal APR to its effective APY for any compounding frequency, or work backward from APY to APR. See how compounding lifts the effective rate.Biweekly Mortgage CalculatorCompare a standard monthly mortgage against an accelerated biweekly schedule: half payments every two weeks, with payoff time and interest saved.Break-Even Point CalculatorFind the break-even point from fixed costs, price and variable cost per unit: exact and rounded-up units, plus break-even revenue and contribution margin.50/30/20 Budget CalculatorSplit your take-home income into needs, wants, and savings using the 50/30/20 rule or your own custom percentages, plus an actual-vs-target comparison mode.Business Loan CalculatorCalculate a business loan's monthly payment, total interest, total cost including fees, and the effective APR once origination and other fees are factored in.CAGR CalculatorCalculate CAGR, the compound annual growth rate, from a beginning value, ending value, and number of years, plus the total growth percentage.Car Affordability CalculatorFind the maximum car price you can afford from your income, existing debts and a target payment-to-income ratio, plus a check against the 20/4/10 guideline.Car Cost of Ownership CalculatorAdd up a car's true cost of ownership: depreciation, loan interest, fuel, insurance, maintenance and registration, broken down by year and by mile or km.Car Lease CalculatorCalculate a car lease payment from negotiated price, residual value, term and money factor (or APR), broken into the depreciation fee and finance fee.Car Loan CalculatorWork out your car loan payment after a down payment and trade-in value. See the exact amount financed, monthly payment, total interest and total cost.CD CalculatorCalculate what a certificate of deposit is worth at maturity from the deposit amount, APY and term in months, plus the interest earned over the term.College Savings CalculatorFind the monthly savings needed to reach your own college cost estimate by the time your child starts, based on current savings and an investment return.Commission CalculatorCalculate commission from a sale amount and rate, then split it between agent and house or broker to see net payout and effective rate.Compound Interest CalculatorCompound interest calculator with monthly contributions and daily to annual compounding. See year-by-year growth, total deposits and interest earned.Cost of Smoking CalculatorSee what smoking actually costs per day, month and year, plus what that same money could grow to if invested instead, compounded monthly.Credit Card Payoff CalculatorFind out how many months a fixed payment takes to clear a credit card balance, or the payment needed to pay it off by a target date, with total interest.Credit Utilization CalculatorCalculate per-card and overall credit utilization from up to five cards' balances and limits, plus how much to pay down to hit a target percentage.Crypto Profit CalculatorCalculate crypto trading profit or loss after percentage-based exchange fees, from a buy price, sell price, and quantity — or a dollar amount invested.Debt Payoff Calculator (Snowball vs Avalanche)Compare the debt snowball and avalanche payoff strategies side by side: months to debt-free, total interest paid, and the full payoff order for each.Debt-to-Income Ratio CalculatorCalculate your debt-to-income ratio from rent or mortgage, car, credit card and other monthly debt against gross income, with front-end and back-end DTI.Depreciation CalculatorCalculate straight-line or declining-balance (150%/200%) depreciation with a year-by-year schedule of expense, accumulated depreciation and book value.Dividend CalculatorCalculate dividend yield and your annual, quarterly, and monthly dividend income from a share price, dividend per share, and number of shares owned.Down Payment CalculatorCalculate the down payment and resulting loan amount from a home price and a percent or dollar amount, with a comparison table at 3.5%, 5%, 10%, 15% and 20%.DRIP Calculator (Dividend Reinvestment)See how automatically reinvesting dividends grows a stock position over time compared to taking dividends as cash, with a year-by-year share count table.Emergency Fund CalculatorAdd up your essential monthly expenses to find your emergency fund target at 3, 6, 9 or 12 months, then see how long it takes to reach it from savings.Extra Payment CalculatorSee how an extra monthly payment shortens any loan: new payoff time, total months saved, and interest saved compared with the standard schedule.FIRE Number CalculatorCalculate your FIRE number from annual expenses and a safe withdrawal rate, simulate years to reach it, and see whether you've already hit coast FIRE.Freelance Hourly Rate CalculatorCalculate the minimum freelance hourly rate and day rate needed to hit a target salary, after business expenses, weeks off, and a profit margin.Future Value CalculatorCalculate the future value of a lump sum plus monthly contributions at any compounding frequency, with a year-by-year growth table.GST CalculatorAdd GST to a net price or extract it from a gross price. Defaults to Canada's 5% federal rate and covers HST and PST combinations by province.HELOC CalculatorEstimate your maximum HELOC credit line from home value and mortgage balance, then see the interest-only draw payment and the amortizing repayment payment.Home Equity Loan CalculatorFind the maximum home equity loan you could borrow and a fixed monthly payment with amortization schedule, from home value, mortgage balance and LTV limit.Home Affordability CalculatorFind the maximum home price you can afford from income, existing debts, down payment and a target debt-to-income ratio, using the standard 28/36 guideline.Inflation CalculatorCalculate the future cost of today's money under inflation, or work out what a future amount is worth in today's buying power.IRR CalculatorCalculate the internal rate of return (IRR) from an initial investment and a list of yearly cash flows. Solved numerically with a net-present-value check.Lease vs Buy Car CalculatorCompare the total cost of leasing versus financing the same car over the years you'd keep it, including resale equity if you buy, with a clear verdict.Loan Payment CalculatorCalculate the monthly payment on any amortizing loan — mortgage, car or personal. See total interest over the loan's life and a yearly amortization schedule.Margin CalculatorCalculate profit margin and markup from cost and price, or work backward to find the price from a target margin, or the cost from a price and margin.Mortgage CalculatorCalculate your monthly mortgage payment: principal and interest, plus property tax, insurance and HOA. See total interest and the full amortization schedule.Mortgage Points CalculatorFind whether buying mortgage discount points is worth it: cost of points, lower monthly payment, breakeven months, and net savings over your time horizon.Refinance Breakeven CalculatorFind exactly how many months it takes for a refinance's monthly savings to repay its closing costs, and whether you'd break even before you plan to move.Net Worth CalculatorCalculate net worth by adding up cash, investments, retirement, home and vehicle value, then subtracting mortgage, loans and credit card debt.NPV CalculatorCalculate the net present value (NPV) of a project from an initial investment, a list of yearly cash flows, and a discount rate, with a present-value table.Overtime Pay CalculatorCalculate overtime pay from your regular hourly rate, regular hours and overtime hours, at 1.5x time-and-a-half, 2x double time, or a custom multiplier.Pay Raise CalculatorWork out a pay raise either way: enter your raise percentage to see the new pay, or enter the new pay to see the raise percentage. Includes the annual impact.Payback Period CalculatorFind the simple payback period for an investment from an initial cost and yearly cash flows, in years and interpolated months, with a cumulative table.Pension Lump Sum vs Annuity CalculatorCompare a pension lump-sum offer against the monthly annuity it replaces: present value, breakeven years, and the implied annual return it represents.Present Value CalculatorCalculate the present value of a future lump sum using a discount rate and number of periods, with the formula and a worked example.Refinance CalculatorCompare your current loan against a refinance offer: new payment, monthly savings, breakeven months on closing costs, and lifetime interest difference.Rent Affordability CalculatorFind how much rent you can afford based on gross income and a target percentage, plus a table comparing the 25%, 30%, 35% and 40% budget rules side by side.Rent vs Buy CalculatorCompare the total cost of renting vs buying a home: mortgage, property tax, insurance, maintenance, appreciation and the down payment's opportunity cost.401(k) CalculatorProject your 401(k) balance with monthly contributions, an employer match up to a salary limit, and compounding growth. See a year-by-year table.Retirement Withdrawal CalculatorProject retirement income and balance over 30 years using a withdrawal rate like the 4% rule, an expected return, and optional inflation-adjusted withdrawals.ROI CalculatorCalculate ROI as a percentage from the amount invested and returned, plus the annualized ROI when you enter a holding period.Roth IRA Conversion CalculatorEstimate the upfront tax cost of a Roth conversion and compare the projected Roth balance to staying in a traditional IRA, using your own tax rates.Rule of 72 CalculatorEstimate how long money takes to double with the rule of 72, shown side by side with the exact ln(2)/ln(1+r) answer and where the approximation breaks down.Salary Inflation CalculatorFind your real raise after inflation using the exact Fisher relation, not simple subtraction, and see how far a nominal raise stretches in purchasing power.Salary to Hourly CalculatorConvert annual salary to an hourly rate, or hourly pay to a yearly salary. See gross hourly, daily, weekly, biweekly, monthly and annual pay side by side.Sales Tax CalculatorAdd sales tax to a net price or extract the tax hidden inside a gross price. Works for US sales tax and VAT/GST, with the reverse formula explained.Savings Goal CalculatorFind out how long it takes to reach a savings goal with monthly deposits and interest, or flip it to find the deposit needed to hit the goal by a deadline.Savings Rate CalculatorCalculate your savings rate from monthly income and spending, then estimate years to financial independence using the widely cited 25x / 4% rule heuristic.Simple Interest CalculatorCalculate simple interest with I = P × r × t. Enter principal, annual rate and time in years to get the interest earned and the total amount.Stock Average CalculatorCalculate your average cost per share across multiple stock purchases. Enter share counts and prices to see total invested and a purchase-by-purchase table.Stock Profit CalculatorCalculate stock trading profit or loss, percent return, and the breakeven sell price after buy and sell commissions, from buy price, sell price, and shares.Student Loan CalculatorCalculate your student loan payment and total interest, then see how much time and interest an extra monthly payment saves using standard amortization.Subscription Cost CalculatorList your subscriptions and monthly prices to see the combined monthly, yearly and 5-year total, plus what that money could grow to if invested instead.VAT CalculatorAdd VAT to a net price or extract the VAT hidden inside a gross price. Defaults to the UK 20% standard rate, but works with any rate you enter.Wedding Budget CalculatorSplit a wedding budget into typical category percentages (venue, catering, photography and more), plus cost per guest and a contingency reserve.