Finance Calculators

Work out your full monthly mortgage payment — principal, interest, tax, insurance and PMI — with a complete amortisation 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.

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.

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.

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

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.