Finance Calculators

Work out your full monthly mortgage payment — principal, interest, tax, insurance and PMI — with a complete amortization schedule and payoff date.

Find out what house price your income supports, using the same front-end and back-end debt ratios lenders apply.

Work out whether refinancing pays — the monthly saving, the break-even point on closing costs, and the effect on lifetime interest.

Work out the deposit you need, the total cash to close including fees, and how long it takes to save it at your current rate.

Compare the true cost of renting against buying, including closing costs, opportunity cost and a break-even year — the minimum time you would need to stay for buying to win.

See how much time and interest an extra monthly payment, a one-time lump sum, or switching to bi-weekly payments saves on your existing mortgage.

Calculate available home equity, then model either a fixed home equity loan or a HELOC's draw-period and repayment-period payments.

Calculate a full FHA mortgage payment — upfront and annual MIP, property tax, insurance and HOA — with a complete amortisation schedule and payoff date.

Calculate a VA loan payment including the funding fee, tax, insurance and HOA — VA loans need no down payment and no monthly mortgage insurance.

Calculate a UK mortgage payment including Stamp Duty Land Tax, and see what your payment becomes once the initial fixed rate ends.

Calculate a Canadian mortgage payment correctly compounded semi-annually as required by law, including CMHC mortgage default insurance.

Find the monthly payment, total interest and full repayment schedule for any fixed-rate loan — personal, car, student or business.

Calculate a car loan payment including trade-in equity, a manufacturer incentive, sales tax and fees — with the true amount financed shown.

Find out how long your credit card will take to clear — or the fixed payment needed to clear it by a target date — plus the interest cost either way.

Work out your DTI ratio the way a lender does, see which band you fall into, and find how much debt you would need to clear to reach the next one.

Work out the interest rate on a loan when you know the amount, the payment and the term, but not the rate itself.

Compare a dealer's cash-back rebate at standard financing against a low or 0% promotional rate with no rebate — see which actually costs less.

Calculate a car lease payment from the vehicle price, residual value and money factor — the depreciation fee plus rent charge that make up every lease quote.

Find the true annual percentage rate of a loan once fees are folded in — the number that lets you compare two offers with different rates and different fees fairly.

Calculate the single payoff amount on a deferred payment loan, where interest compounds on the full balance until one payment at maturity.

See how savings grow with compound interest, with or without regular deposits, and how much of the total is interest rather than your own money.

Calculate simple interest on a principal over any period, and see exactly how much less it is than compound interest on the same terms.

Project an investment portfolio with monthly contributions, annual increases and platform fees — and see what the fees actually cost you.

Calculate the compound annual growth rate between a starting and ending value, and see why it differs from the simple average return.

Project your retirement savings including employer matching, see the balance in today’s money, and how long it would last.

See what an amount of money will be worth in the future, or what a past amount is worth today, at any inflation rate.

Split take-home pay using the 50/30/20 rule — needs, wants and savings — and compare it against what you actually spend.

Find how much rent you can comfortably afford from your income, using the standard 30% guideline plus a debt-aware ceiling for a fuller picture.

Estimate income tax and take-home pay from gross salary, with a full bracket-by-bracket breakdown and the source of every figure.

Work out your actual paycheck after tax and payroll deductions, split into weekly, bi-weekly and monthly amounts.

See whether filing jointly as a married couple costs you more or less income tax than filing as two single people, for your actual incomes.

Find out how much of your Social Security benefit is subject to federal income tax, using the IRS provisional income formula.

Estimate US federal estate tax from an estate's value, using the current exclusion amount and graduated rate schedule.

Work out US or UK capital gains tax, with gains correctly stacked on top of your income so a single gain can span two rates.

Project a 401(k) balance at retirement including employer match, and see exactly what leaving the match unclaimed costs you.

Compare a Roth IRA against a traditional IRA on after-tax terms, showing which comes out ahead and exactly why.

Work out how long a pot of money lasts at a given withdrawal rate, or what income it can safely support for life.

Calculate your required minimum distribution from a traditional 401(k) or IRA using the IRS Uniform Lifetime Table.

Compare a defined-benefit pension's monthly payments for life against a lump-sum buyout offer, both converted to today's dollars using your own discount rate.

Estimate your monthly Social Security retirement benefit from your average lifetime earnings, birth year and claiming age, using the SSA's own bend-point formula.

See what an early 401(k) withdrawal actually costs — the 10% IRS penalty (if it applies), income tax, and what the money would have grown to left alone.

Find the minimum contribution percentage that captures your full employer 401(k) match, and what leaving it on the table is costing you.

Calculate your HSA contribution limit, the immediate tax saving from contributing, and what the balance could grow to if invested.

Work out the tax cost of converting traditional IRA money to a Roth in 2026, how much of your current bracket is left, and whether the conversion pays off long term.

Work out required distributions from an inherited IRA or 401(k) under the SECURE Act 10-year rule, and the withdrawal pattern that spreads the tax most evenly.

Find your 2026 Medicare Part B and D premiums from your 2024 income, see which IRMAA bracket you land in, and how close you are to the next cliff.

Compare net unrealized appreciation treatment against a full IRA rollover for employer stock in a 401(k), and see which leaves more after tax.

Compare a pension buyout offer against the monthly payment it replaces, with the implied return the lump sum must earn and the age the annuity overtakes it.

Compare claiming Social Security at 62, full retirement age or 70, and find the exact age at which waiting overtakes claiming early in total lifetime benefits.

Work out the maximum you can contribute to a solo 401(k) or SEP-IRA for 2026 from self-employment income, and see which structure lets you save more.

Find out how much of a backdoor Roth conversion is actually taxable once the IRS pro-rata rule aggregates every traditional, SEP and SIMPLE IRA you own.

Work out which of the two Roth five-year rules applies to a withdrawal, how much comes out tax-free under the ordering rules, and what tax or penalty is due on the rest.

See how much more federal income tax a surviving spouse pays on largely unchanged income after moving from joint to single filing status, using the real 2026 brackets.

Calculate substantially equal periodic payments from an IRA under section 72(t), comparing the required minimum distribution and fixed amortization methods, with the commitment each one locks you into.

Check whether the rule of 55 lets you take penalty-free withdrawals from your workplace plan, and what rolling it to an IRA instead would cost you.

Compare giving directly from an IRA as a qualified charitable distribution against taking the money as income and donating cash, using the real 2026 rules.

Work out your 2026 saver's credit, how close you are to the cliff that drops the rate, and what the saver's match replacing it in 2027 would pay instead.

See how much a bad year early in retirement costs compared with the same bad year late, using an identical set of returns in two different orders.

Work out a Social Security spousal benefit, why waiting past full retirement age adds nothing to it, and how it combines with your own benefit.

Compare an NQDC deferral against taking the cash — pre-tax compounding, the rate arbitrage, and the ten-year installment election that moves state tax to where you retire.

Work out your mega backdoor Roth space from the 2026 limits — what is left of $72,000 after deferrals and employer money — and what converting it is worth against taxable investing.

Work out how much of a leftover 529 can move to the beneficiary’s Roth IRA under the five statutory gates — the yearly schedule, the $35,000 lifetime cap, and what to do with the excess.

Price the permanent Part B and Part D late enrollment penalties — the monthly surcharge, what it costs over a lifetime as premiums rise, and which delays are exempt.

Work out your UK pension annual allowance including the taper, carry forward from the previous three years, the money purchase allowance, and any annual allowance charge.

Find what a future sum, or a stream of future payments, is worth in today’s money at any discount rate.

Calculate what a certificate of deposit is worth at maturity, and what an early withdrawal penalty would cost you.

Find out how much to save each month to cover a future college cost, accounting for tuition inflation and investment growth.

Calculate a bond’s fair price from its coupon rate, face value and the market yield, plus its current yield.

Compare the arithmetic average of a series of annual returns against the geometric average (CAGR) — they are rarely the same number, and the gap matters.

Project mutual fund growth including the expense ratio's drag on returns, with the exact dollar cost of fees shown separately.

Project what a monthly SIP grows to, including an optional annual step-up, with the amount you invested and the amount the market added shown separately.

See how long a lump sum lasts when you withdraw a fixed amount each month, and what is left at the end, with an optional annual increase for inflation.

Calculate the true annualised return on an investment where money went in and out on irregular dates, the way a real portfolio or SIP actually behaves.

Project a holding forward with every dividend reinvested, showing the share count compounding and how much of the final value reinvestment alone contributed.

Calculate dividend yield, the income a holding pays, and your yield on cost — the three figures that get confused whenever dividends are discussed.

Find the weighted average cost per share across several purchases, and see what price you need to break even or hit a target on the whole position.

Work out the real profit or loss on a share trade after brokerage and fees, with the percentage return, the annualised return and your break-even sell price.

Work out the profit, loss and break-even price at expiry for a call, put or covered call, with the maximum gain and loss the position can produce.

Work out the tax a harvested loss saves in 2026, how much offsets ordinary income, what carries forward, and whether the wash-sale rule would disallow it.

Work out the real cost and the real downside of an EIS, SEIS or VCT investment — income tax relief, loss relief on a failure, tax-free growth, and how much is genuinely at risk.

Calculate cap rate, cash-on-cash return and monthly cash flow for a rental property, including vacancy, maintenance and management costs.

Work out whether a cost segregation study is worth its fee, counting the present value of accelerated depreciation against the ordinary-rate recapture it creates.

Price an owner-financed deal from both chairs: the monthly payment, the balloon still owed when the note comes due, and the yield the seller is really earning.

Work out what the 31 December 2026 inclusion date costs an opportunity zone investor — the deferred gain coming due, the basis step-ups earned, and the ten-year exclusion that survives it.

Calculate how much fuel a trip will cost from the distance, your vehicle's efficiency, and the price at the pump.

Convert between currencies using live exchange rates, with a full conversion table across every supported currency.

Compare paying off several debts separately against consolidating them into a single new loan — see the real difference in payment, time and total interest.

Calculate student loan payments including interest that accrues while you're still in school, plus the time and interest an extra monthly payment saves.

Compare the snowball (smallest balance first) and avalanche (highest rate first) methods for paying off several debts at once with a fixed extra budget.

Project total student debt for a current student still borrowing every year, including interest that accrues on each year's loan separately.

Calculate GDP using the expenditure method (C + I + G + net exports), GDP growth rate between two years, or GDP per capita.

Calculate your overall and per-card credit utilization ratio across every card, and see which cards are pulling the average up.

Work out how much to keep in an emergency fund based on your income stability, and how much further you have to go.

Calculate your FIRE number from annual expenses and a safe withdrawal rate, and how many years of saving at your current rate gets you there.

Estimate how much term life insurance coverage your family would need using the DIME method — debt, income replacement, mortgage and education.

Calculate your net worth from everything you own and everything you owe, with a breakdown of what makes up each side.

Compare the running cost of an electric car against petrol or diesel, with home and public charging priced separately.

Work out what a solar system generates, what it saves once export and self-consumption are separated, and how long it takes to pay for itself.

Work out how many shares to buy so that hitting your stop-loss costs a fixed percentage of your account, with the capital required shown alongside.

Turn an entry, stop and target into a reward-to-risk ratio, the win rate it needs to break even, and the expected value at the win rate you actually achieve.

Estimate the cash cost of exercising incentive stock options in 2026, including the alternative minimum tax triggered by the bargain element on shares you have not sold.

Work out the real tax on an RSU vest for 2026 — federal, state and FICA — and the shortfall left by your employer withholding at the flat 22% supplemental rate.

Work out the section 1202 exclusion on qualified small business stock under the post-2025 rules — the tiered holding period, the $10m or $15m cap, the 10x basis alternative, and what waiting to five years is worth.

Compare the tax on restricted stock with and without a section 83(b) election — the ordinary income avoided, the capital gain created, what the election puts at risk, and the break-even exit price.

Compute the tax on fund carry under the section 1061 three-year rule — what gets recharacterised as short-term, what escapes through the capital-interest and 1231 carve-outs, and what waiting is worth.

See what you actually keep from a 2026 bonus after federal, state and FICA tax, and why the flat 22% withheld rarely matches the tax you really owe on it.

Compare a contract rate against a salary on equal terms for 2026 — self-employment tax, lost benefits and deductible expenses included — and find the 1099 rate that truly matches.

Work out your 2026 quarterly estimated tax payment on self-employment or other untaxed income, including the safe-harbour amount that protects you from the underpayment penalty.

See whether concentrating several years of charitable giving into one year beats giving the same amount annually, under the 2026 standard deduction and the new 0.5% floor.

Work out your 2026 foreign earned income exclusion and housing exclusion under section 911, including the self-employment tax that the exclusion does not touch.

Calculate the 2026 adoption tax credit including the newly refundable portion, the income phase-out, and how much carries forward if your tax bill is too small.

Work out your 2026 child tax credit after the income phase-out, and how much of it you can actually receive as a refund if your tax bill is small.

Compare a dependent care FSA against the child and dependent care credit for 2026, when the FSA limit rose to $7,500 and the credit now starts at 50%.

Work out the 2026 kiddie tax on a child's unearned income, including how much is taxed at the parents' rate and where a custodial account stops being efficient.

Compare donating appreciated shares directly against selling and giving cash — the gains tax avoided, the 2026 deduction rules, and what the charity actually receives either way.

Calculate your 2026 Section 199A qualified business income deduction, including the phase-out for specified service businesses and the W-2 wage limit above the threshold.

See whether electing S-corp status saves you money in 2026 — self-employment tax avoided on distributions, net of payroll costs and the reasonable salary the IRS requires.

Work out what renting your home to your own business for 14 days or fewer is worth under section 280A(g), where the rent is deductible by the business and excluded from your income.

Work out your 2026 section 179 deduction after the phase-out, the heavy-vehicle cap and the taxable income limit, and see what bonus depreciation covers instead.

Compare the simplified $5 per square foot home office deduction against the actual expense method, including the depreciation recapture the actual method creates when you sell.

Work out the tax deferred by a 1031 exchange, the boot that stays taxable when you trade down, and the minimum reinvestment needed for full deferral.

Work out the taxable gain on selling your home after the Section 121 exclusion, including selling costs, improvements and depreciation recapture from any rental period.

Work out the true cost of taking cash out of your home: the new payment, what the cash actually costs you over the loan, and the blended rate you end up paying.

Work out whether paying discount points is worth it: the monthly saving, the exact month you break even, and the lifetime interest the lower rate saves.

See what a lump sum against your mortgage does when the loan is recast — the new lower payment and the interest saved — and how it differs from paying extra: a recast keeps the same term and cuts the payment, while extra payments keep the payment and shorten the term.

Find when you can cancel private mortgage insurance and when it must terminate automatically under the Homeowners Protection Act, and what the wait costs.

Estimate what a HECM reverse mortgage releases after costs and the existing mortgage is repaid, and how the balance grows against your equity over time.

Estimate the closing costs on a US home purchase and the total cash you need at the table, separating one-off fees from prepaid escrow that is not really a cost.

Calculate the debt service coverage ratio on a rental property, the maximum loan it supports at a lender's minimum DSCR, and the rent needed to qualify.

Project ISA growth against a taxable account for 2026-27, showing the tax saved on dividends and gains, and the Lifetime ISA bonus where it applies.

Calculate Stamp Duty Land Tax on a residential purchase in England or Northern Ireland, including first-time buyer relief and the 5% additional property surcharge.

Calculate UK dividend tax for 2026-27 at the new 10.75% and 35.75% rates, with the £500 allowance and the salary-plus-dividend split company directors actually use.

Work out your 2026-27 take-home pay after income tax, National Insurance and pension contributions, with the personal allowance taper applied above £100,000.

Estimate the inheritance tax on an estate for 2026-27, including the residence nil-rate band, its taper above £2 million, and transferred allowances from a late spouse.

Work out income tax and Class 4 National Insurance on self-employment profits for 2026-27, plus what to set aside and when payments on account fall due.

Work out your 2026-27 student loan repayment on Plan 1, 2, 4 or 5, including a postgraduate loan alongside, and the effective rate it adds to your pay.

Add or remove UK VAT at 20%, 5% or 0%, with the net, VAT and gross amounts shown separately and the correct divisor for working backwards.

Work out your 2026-27 Australian take-home pay after income tax, the Medicare levy and any HELP repayment, using the new 15% second bracket.

Work out your 2026-27 compulsory HECS-HELP repayment under the marginal system, and how many years the debt takes to clear after indexation.

Project your Australian super balance to retirement with the 12% guarantee, contributions tax, fees and any salary sacrifice, in today's dollars.

Work out capital gains tax on an Australian asset sale for 2026-27, including the 50% discount for assets held over twelve months and the effect on your marginal rate.

Work out the franking credit on an Australian dividend, the grossed-up income you must declare, and whether you owe tax or receive a refund.

Work out the rental loss on an Australian investment property, the tax it saves at your marginal rate, and what the property actually costs you each week.

Calculate your 2026 CPP and EI deductions, including the CPP2 tier on earnings above the YMPE, and the income at which each one stops coming off your pay.

Work out your 2026 RRSP contribution room, the tax refund a contribution generates, and what the money grows to before you draw it in retirement.

Work out your cumulative TFSA contribution room from the year you turned 18, and project tax-free growth against a taxable account.

Work out your 2026 take-home pay in Ontario, British Columbia or Alberta after federal and provincial tax, CPP and EI, with the Ontario surtax applied.

Work out the 3.8% net investment income tax under IRC section 1411, including the combined federal rate it puts on your long-term capital gains and qualified dividends.

Find what a taxable bond must yield to beat a tax-free municipal bond at your real marginal rate, including state tax and the 3.8% net investment income tax.

Check whether a repurchase triggers the section 1091 wash sale rule, how much loss is deferred into the new basis, and the one case where the loss is lost for good.

Calculate your 2026 ACA premium tax credit, and see exactly how far you are from the 400% subsidy cliff that returned when the enhanced credits expired.

Work out the rate of return the extra premium on a whole life policy is really earning, and compare it against buying term and investing the difference.

Work out what a group long-term disability policy actually pays after the earnings definition, the monthly cap and tax — as a share of your real take-home pay.

See what a long-term care policy will actually cover by the time you claim it, how much the inflation rider changes that, and how it compares with investing the premiums instead.

Size an umbrella policy against what a judgment can actually reach — exposed assets, garnishable future earnings, the assets already protected by law, and the gap under the umbrella.

Find out whether a gift is reportable, how much lifetime exemption it uses, and whether any gift tax is actually due under the 2026 rules.

Price an SBA 7(a) loan with the FY2027 guaranty fee financed in: the payment, the fee by tier, the rate cap for your size, and the true cost above the note rate.

Price a section 453 installment sale — the gross profit ratio, the depreciation recapture that all lands in year one, the 453A interest charge, and whether year-one tax exceeds year-one cash.