Finance Calculators

Monthly housing payment: principal and interest, property tax, insurance, HOA and PMI.

Interest and time saved by extra monthly, yearly or one-time principal payments.

When closing costs are recovered, and total cost over the time you expect to keep the loan.

Compare the net cost of renting and buying over a horizon with your own assumptions.

Estimate a home price from income, debts, housing costs and debt-to-income limits you set.

Fixed-rate payment with a full amortization schedule you can download.

Car payment with down payment, trade-in, financed fees and your sales-tax treatment.

Months to pay off a card balance and total interest, including payments that never finish it.

Compare paying smallest balance first against highest rate first across several debts.

Front-end and back-end debt-to-income ratios from monthly income and payments.

Estimate the APR of a fixed-rate loan once fees are included.

Interest on a principal at a flat rate, with the total and a year-by-year view.

Growth with regular contributions, contribution timing and any compounding frequency.

Find the monthly amount needed to reach a goal, or how long your current saving will take.

Net return on investment and annualized return from a start value, end value and dates.

Convert a nominal rate to annual percentage yield for any compounding frequency, and back.

Certificate of deposit value at maturity, with an optional early-withdrawal penalty.

Dividend income and reinvestment growth with yield, price growth and tax assumptions.

Purchase ledger with average cost basis and return at a valuation price you enter.

Compound annual growth rate between two positive values over a period.

Price, current yield and yield to maturity for a plain fixed-coupon bond.

Project savings at retirement in future dollars and in today’s dollars.

How long savings last under fixed withdrawals, returns and inflation.

Financial-independence target and time to reach it from your own spending and return assumptions.

Compare after-tax outcomes of Roth and traditional contributions at the same out-of-pocket cost.

Employer match from your pay, contribution rate and matching tiers, with a vesting assumption.

What percentage and fixed fees cost over time, compared side by side.

Price, cost, margin and markup from any two, with the difference explained.

Units and revenue needed to cover fixed costs, with contribution margin.

Net present value and internal rate of return for periodic cash flows, with root checks.

Cash flow, cap rate and cash-on-cash return from rent, vacancy, expenses and financing.

Debt-service coverage ratio and the loan payment your cash flow supports at a target DSCR.

Purchasing power over time at an inflation rate you enter.

Sale price after one discount or several stacked discounts, and the true combined percent off.

Add sales tax to a price, or back tax out of a tax-inclusive total.

Tip on a bill and each person’s share, with pre-tax tipping and rounding options.

Convert gross pay between hourly, weekly, monthly and annual using your hours and weeks.

Target for an emergency fund from essential expenses and months of coverage.

Monthly and annual budget with savings rate; mix weekly, monthly and annual items.

Assets minus liabilities by category, saved on this device only if you choose.