Finance & Money Calculators
Loans, mortgages, savings, taxes, and retirement: clear numbers for real money decisions, with the math shown and the fine print explained.
Mortgages & Home 12
- Mortgage CalculatorMonthly payment with taxes, insurance, and HOA, plus lifetime interest.
- Amortization CalculatorThe full payment-by-payment schedule, payoff date, and extra-payment savings.
- Mortgage Payoff CalculatorSee how extra or biweekly payments move up your payoff date and slash interest.
- Rent vs Buy CalculatorBoth paths priced to the dollar: net costs, break-even year, and a coin-flip call.
- Closing Cost CalculatorItemized buyer closing-cost ranges and cash to close, from price and down payment.
- Home Insurance EstimatorDwelling-coverage range from square footage: rebuild cost, not a premium quote.
- Property Tax CalculatorAnnual and monthly property tax from assessed value and rate.
- Reverse Mortgage CalculatorRough HECM reverse mortgage proceeds from age, home value, and rate.
- Commercial Mortgage CalculatorPayment, balloon due at maturity, and DSCR for commercial property loans.
- Moving Cost EstimatorHonest cost ranges for DIY, hybrid, or full-service moves, local or long-distance.
- Roofing Cost CalculatorInstalled-cost range for a new roof by material, pitch, and tear-off.
- Square Footage CalculatorAdd up to three shapes, get total area and project cost.
Loans & Debt 9
- Loan CalculatorMonthly payment, total interest, and a year-by-year payoff schedule.
- Loan Payoff CalculatorExtra payments on any loan: months sooner to payoff and interest saved.
- Car Loan CalculatorReal payment with trade-in, tax, and fees, plus every term priced side by side.
- Student Loan Refinance CalculatorCompare your student loan to a refinance offer, payment and lifetime cost.
- Credit Card Payoff CalculatorHow long to debt-free, the payment to hit a date, and the minimum-payment trap.
- Credit Utilization CalculatorWhat your card will report, and which date actually matters.
- Debt Consolidation CalculatorYour debts vs one consolidation loan: payment, payoff time, true cost.
- Debt Snowball CalculatorSnowball vs avalanche side by side: dates, interest, and payoff order.
- Debt-to-Income Ratio CalculatorYour DTI vs the 36% and 43% lender benchmarks, plus how far you are from each.
Saving & Investing 13
- HYSA CalculatorWhat a high-yield savings account really earns, and what staying put costs.
- APY CalculatorNominal rate to APY and back, at any compounding frequency.
- Savings CalculatorHow much you will have, when you get there, or what to save monthly.
- Emergency Fund CalculatorSize the fund from expenses, not income, with milestones on the way.
- Compound Interest CalculatorWatch savings grow with contributions, year by year.
- S&P 500 Investment CalculatorSee what a past S&P 500 investment would be worth today.
- TVM CalculatorSolve any of the four TVM variables: FV, PV, payment, or years.
- I Bond CalculatorThe composite rate built step by step, growth, penalty, and the tax race.
- CD Ladder CalculatorYour ladder vs all-long vs all-short, with a rung maturing every year.
- 529 CalculatorBalance at college start, year-by-year coverage, and the gap priced.
- Gold CalculatorMelt value by weight and karat, plus what buyers actually pay.
- Money Goal CalculatorWhat $1,000,000 actually takes per day, per week, and per working hour.
- Inflation CalculatorWhat your money will be worth (or cost) after inflation.
Retirement & Estate 17
- Retirement Withdrawal CalculatorFind out how long your retirement savings will really last.
- Social Security Break-Even CalculatorClaim at 62, 67, or 70? Break-even ages and lifetime totals, charted.
- Social Security COLA CalculatorYour 2.8% raise, and the net check after Medicare takes its share.
- Pension Lump Sum CalculatorCan the lump sum replicate your pension? Depletion curve and hurdle rate.
- RMD CalculatorThis year's required IRA or 401(k) withdrawal, from the current IRS table.
- Inherited IRA RMD CalculatorThis year's RMD, your 10-year deadline, and the year-10 tax bomb.
- Roth IRA CalculatorProject tax-free growth and see what the Roth advantage is worth.
- Roth Conversion CalculatorPay the tax now or later? Both paths after tax, side by side.
- 401k Catch-Up CalculatorYour 2026 limit, the new Roth mandate, and what catch-ups are worth.
- Roth 401(k) CalculatorRoth or traditional, compared on what you get to spend.
- Medicare IRMAA CalculatorYour 2026 Part B and D surcharges, and what the nearest cliff costs.
- Annuity Payout CalculatorMonthly annuity payments, payout duration, or a lottery annuity schedule.
- Superannuation CalculatorProject a super balance: 12% of salary, compounding for decades.
- Long-Term Care Cost CalculatorWhat care really costs: 2025 medians, projected to when you might need them.
- Downsizing CalculatorSell and downsize or stay? Freed equity, monthly savings, payback year.
- Estate Tax CalculatorYour estate against the $15M line, and what the portability form is worth.
- Life Insurance CalculatorHow much term life coverage you need, via the DIME method.
Taxes & Paycheck 8
- Income Tax Calculator2026 federal tax, refund estimate, and a bracket-by-bracket breakdown.
- Take-Home Pay CalculatorYour 2026 net paycheck with federal tax, FICA, and 401(k) itemized.
- Quarterly Tax CalculatorIRS estimated payments for freelancers: SE tax, safe harbor, and due dates.
- Capital Gains Tax CalculatorTax on a property sale after basis, selling costs, and the home-sale exclusion.
- Sales Tax CalculatorAdd tax to a price, or strip it back out of a total.
- Hourly to Salary CalculatorHourly to salary and back, with your real hours and weeks.
- Shift CalculatorHow long is your shift and what does it pay, differential and all.
- Time Card CalculatorWeekly hours from your punches: breaks, overtime, and gross pay.
Veterans & Military 5
- VA Loan CalculatorVA home loan payment with the funding fee financed in, and $0 PMI, ever.
- VA Disability CalculatorReal VA math: combine your ratings, see your official rating and 2026 monthly pay.
- VA Survivors Pension CalculatorThe 2026 difference formula: what a surviving spouse or child may be eligible for.
- DIC CalculatorScreen the DIC paths and add up the published 2026 survivor rates, tax free.
- BAH CalculatorOfficial 2026 rates: every MHA, every grade, with and without dependents.
Business & Tech Money 7
- Customer Lifetime Value CalculatorDiscounted LTV on a profit basis, plus your LTV to CAC ratio.
- Email Signup Value CalculatorWhat one newsletter signup is worth, ready to paste into Google Ads.
- Nonprofit Email Signup Value CalculatorWhat a newsletter signup is worth to a nonprofit, in donor lifetime value.
- FBA CalculatorNet profit, margin, and ROI per unit after Amazon's fee stack.
- EV Savings CalculatorGas vs electric: yearly fuel savings, cost per mile, and honest CO2 math.
- LLM API Cost CalculatorPrice your monthly GPT, Claude & Gemini API bill by tokens and request volume.
- Robotaxi Cost CalculatorAt what price per mile does a robotaxi beat owning your car? The honest break-even.
Everyday Money 3
More tools 23
- AdSense CalculatorWhat your traffic earns, on Google's own published numbers.
- Burn Rate CalculatorHow long your cash lasts, and how often a deal has to close to keep it lasting.
- Commute Cost CalculatorWhat the commute really costs, in cash and in hours.
- CPM CalculatorCost per thousand impressions, and the three things it hides.
- eBay Fee CalculatorWhat eBay's fees take from the seller, and whether the flip made money.
- Etsy Fee CalculatorEvery fee Etsy charges the seller, and what you keep on a sale.
- Expected Value CalculatorEV per trade after costs, plus the win rate you actually need to break even.
- Freelance Rate CalculatorThe rate you need once unbillable hours, tax and unpaid holiday are counted in.
- Investment Growth CalculatorProject a portfolio with fees, inflation, and an honest range.
- KDP Royalty CalculatorWhat Amazon actually pays you per copy, after delivery fees and printing.
- Kelly Criterion CalculatorOptimal bet size from your edge, plus half Kelly and the cost of overbetting.
- Lottery Jackpot CalculatorLump sum or annuity? Taxed, invested, and decided honestly.
- Price Elasticity of Demand CalculatorElasticity by the midpoint method, plus the profit answer.
- Retirement Spending CalculatorHow much you can spend each year, worked three ways that disagree on purpose.
- Rideshare Driver Pay CalculatorWhat Uber or Lyft driving really nets after the car and taxes, line by line.
- Risk of Ruin CalculatorThe chance your bet size ends the account before your edge ever shows.
- Robotaxi Owner CalculatorBuy a robotaxi and let it earn? The honest owner math: deadhead, take rate, wear.
- Rover CalculatorWhat Rover sitting really nets after the 20 percent cut, supplies, and taxes.
- Trump Accounts CalculatorBalance at 18, the tax on the way out, and a 529 comparison.
- Turo CalculatorRent your car on Turo? The honest net after the split, wear, and cleaning.
- Tutoring Income CalculatorWhat tutoring really pays after the platform's cut, prep time, and taxes.
- Vending Machine CalculatorWhat a vending machine really nets after the location's cut, and when it pays back.
- YouTube Money CalculatorWhat your views actually pay, as an honest range instead of a fantasy figure.
Start from the decision, not the calculator
- Buying a home. mortgage payment including taxes and insurance, closing costs, debt-to-income for what a lender will accept, and property tax. Veterans should start with the VA loan calculator instead.
- Getting out of debt. snowball, consolidation, credit card payoff, and mortgage payoff for what extra payments actually buy you.
- Saving and investing. compound interest, money goal, S&P 500 history, CD ladders, and I bonds.
- Tax. income tax, capital gains, quarterly estimates for the self-employed, and sales tax.
- Retirement. The retirement collection gathers the one-time decisions: when to claim Social Security, lump sum or pension, whether to convert, whether to downsize.
Estimates, quotes, and the difference between them
Nothing on this page is an offer. A mortgage calculator can tell you what a payment would be at a given rate and term, and it cannot tell you the rate you will be offered, because that depends on your credit, the property, and the lender's appetite that week. A tax calculator applies published brackets to the numbers you enter and does not know about your particular deductions, credits, or state.
Where a figure depends on published data, the page names the source and carries the month it was last checked. Where a result is genuinely a range rather than a number, we show a range and state the assumptions behind it rather than picking a midpoint and presenting it as precision.
Where a decision has two defensible answers, we show both
A lot of money questions do not have a right answer, they have a right answer for your situation. Claiming Social Security early is not a mistake if you need the income now. A pension lump sum is not automatically better than an annuity. Paying off a low-rate mortgage early is not obviously better than investing the difference. The comparison calculators here put the options side by side with the arithmetic visible, because the useful output is not a verdict, it is understanding what you are trading away.
These tools are for information and education. They are not financial, tax, or legal advice, and for a decision of any size the arithmetic is the beginning of the conversation with a professional rather than a substitute for it.
Frequently asked questions
Are these calculators the same as a quote from a lender?
No. They apply standard formulas to the numbers you enter. An actual offer depends on your credit, the property, current market rates, and the individual lender, and can differ meaningfully from any estimate. Use these to understand the shape of a decision and to sanity-check what you are quoted, not as the quote itself.
How current are the tax figures and rates?
Every page whose result depends on published figures carries a data-reviewed date and links the source that publishes it, usually the IRS, SSA, or CMS. Those pages are on a refresh schedule tied to when the publishing body updates, which for tax brackets is annually and for some figures is twice a year. If a page has no date stamp, it is because the math is timeless rather than because we forgot.
Why do some results show a range instead of a number?
Because a single number would be false precision. Anything depending on future returns, future rates, or costs that vary by location is genuinely a range, so we show one and state the assumptions we used. A calculator that gives you two decimal places for a thirty-year projection is not being more accurate, it is being less honest.
Is any of this financial advice?
No. Everything here is for general information and education, and every finance page carries that notice directly. For a decision of consequence, the calculation is a good way to arrive at a professional's office already understanding the tradeoff, which is a much better use of their time than starting from scratch.