Use numbers to explore a financial question. These free calculators help U.S. readers compare borrowing costs, plan savings and test everyday money decisions. Each tool comes with its formula, an original chart, worked examples and a guide to interpreting the results.
Start with your own figures. Dollar amounts are in U.S. dollars. The prefilled rates and examples demonstrate the calculations; they aren’t current offers or forecasts. No account or contact details are required to use a calculator.
100 free calculators with formulas, original charts and worked examples.
100 calculators available.
Borrowing and homebuying
Loan Payment Calculator
Estimate the monthly payment and total interest on a fixed-rate loan.
Use this calculator : Loan Payment CalculatorExtra Loan Payment Calculator
See how extra monthly principal payments change payoff time and total interest.
Use this calculator : Extra Loan Payment CalculatorAuto Loan Calculator
Combine a vehicle price, taxes, fees, down payment and trade-in figures into a loan estimate.
Use this calculator : Auto Loan CalculatorMortgage Payment Calculator
Add taxes, insurance, mortgage insurance and HOA dues to principal and interest.
Use this calculator : Mortgage Payment CalculatorMortgage Budget Calculator
Work backward from your monthly housing budget to an illustrative loan and home price.
Use this calculator : Mortgage Budget CalculatorMortgage Points Calculator
Compare a lender's quoted rates, upfront points and costs over the same holding period.
Use this calculator : Mortgage Points CalculatorCash to Close Calculator
Reconcile the down payment, closing charges, deposits and credits before closing.
Use this calculator : Cash to Close CalculatorDebt-to-Income Calculator
Compare monthly obligations with gross income and test a proposed new payment.
Use this calculator : Debt-to-Income CalculatorRefinance Break-Even Calculator
Compare payment savings, cash closing costs and remaining balances at the same date.
Use this calculator : Refinance Break-Even CalculatorHome Equity and Borrowing Room Calculator
Compare home equity, secured debt and borrowing room under a ratio you choose.
Use this calculator : Home Equity and Borrowing Room CalculatorHELOC Draw and Repayment Calculator
Estimate interest-only payments and the later amortizing payment on one HELOC balance.
Use this calculator : HELOC Draw and Repayment CalculatorLoan Net Proceeds Calculator
Calculate cash received after deducted origination fees and the payment on the full loan.
Use this calculator : Loan Net Proceeds CalculatorLoan Offer Comparison Calculator
Compare two loan offers that deliver the same cash after upfront fees, including payments and costs over the same horizon.
Use this calculator : Loan Offer Comparison CalculatorBalloon Loan Calculator
Estimate the regular installment, remaining balloon balance and total cash due at a shorter loan maturity.
Use this calculator : Balloon Loan CalculatorRent vs Buy Calculator
Compare the same housing horizon after sale costs, mortgage debt and investment of each option's cash-flow savings.
Use this calculator : Rent vs Buy CalculatorCar Lease vs Buy Calculator
Compare one full lease with buying and selling a vehicle over the same entered holding period.
Use this calculator : Car Lease vs Buy CalculatorAuto Rebate vs Low APR Calculator
Compare a vehicle rebate with a lower-rate financing offer, including full-term cash costs and equal-horizon payoff amounts.
Use this calculator : Auto Rebate vs Low APR CalculatorMortgage Recast Calculator
Compare a lower recast payment with keeping the original payment after the same immediate principal reduction.
Use this calculator : Mortgage Recast CalculatorEscrow Shortage Payment Calculator
Separate a recurring escrow change from a temporary shortage repayment and a voluntary upfront payment.
Use this calculator : Escrow Shortage Payment CalculatorHome Sale Proceeds Calculator
Reconcile a proposed selling price with closing charges, debt payoffs and a separate moving-cost estimate.
Use this calculator : Home Sale Proceeds CalculatorLoan Fee-Adjusted Cash Flow Rate Calculator
Convert a fixed monthly loan payment and an upfront cash fee into clearly labeled monthly, nominal annual and effective annual borrowing rates.
Use this calculator : Loan Fee-Adjusted Cash Flow Rate CalculatorARM Rate Reset Payment Calculator
Apply an entered index, margin, periodic caps and lifetime limits to one adjustable-rate mortgage reset.
Use this calculator : ARM Rate Reset Payment CalculatorMortgage PMI Paydown Planning Calculator
Compare the time and modeled cost of reaching an entered loan-to-value target with or without temporary extra principal payments.
Use this calculator : Mortgage PMI Paydown Planning CalculatorCredit and debt
Credit Card Payoff Calculator
See when a fixed monthly payment could clear your balance and how much interest it could cost.
Use this calculator : Credit Card Payoff CalculatorMinimum Credit Card Payment Calculator
See how a declining minimum and extra payments affect payoff time and interest.
Use this calculator : Minimum Credit Card Payment CalculatorBalance Transfer Payoff Calculator
Follow a transferred balance through a promotional rate, transfer fee and later APR.
Use this calculator : Balance Transfer Payoff CalculatorCredit Utilization Calculator
See how balances and credit limits affect a utilization ratio, without predicting a credit score.
Use this calculator : Credit Utilization CalculatorAverage Daily Balance Interest Calculator
Estimate one billing cycle of interest from an opening balance, a purchase, a payment and their posting days.
Use this calculator : Average Daily Balance Interest CalculatorPay Debt or Save Calculator
Compare extra loan repayment with saving the same amount while redirecting freed payments into savings after payoff.
Use this calculator : Pay Debt or Save CalculatorCredit Card Rewards Calculator
Compare two flat cash-value reward rates after annual fees, with an explicit switch for eligible one-time bonuses.
Use this calculator : Credit Card Rewards CalculatorDebt Avalanche vs Snowball Calculator
Compare three debts under a constant total payment budget using explicit avalanche and snowball allocation rules.
Use this calculator : Debt Avalanche vs Snowball CalculatorSavings and interest
Compound Interest Calculator
Separate your savings contributions from modeled compound growth.
Use this calculator : Compound Interest CalculatorSavings Goal Calculator
Work backward from a target balance to the monthly deposit you need.
Use this calculator : Savings Goal CalculatorEmergency Fund Calculator
Turn essential expenses and your chosen coverage period into a savings target.
Use this calculator : Emergency Fund CalculatorFive-Rung CD Ladder Calculator
Split savings across five CD maturities and see the cash each rung releases.
Use this calculator : Five-Rung CD Ladder CalculatorInflation and Purchasing Power Calculator
Compare a future price with the purchasing power of a fixed dollar amount.
Use this calculator : Inflation and Purchasing Power CalculatorSavings Withdrawal Calculator
Test a monthly withdrawal plan and see when savings could run out under stated assumptions.
Use this calculator : Savings Withdrawal CalculatorRetirement Savings Projection Calculator
Project contributions and growth to retirement, including an inflation-adjusted view.
Use this calculator : Retirement Savings Projection CalculatorSimple Interest Calculator
Calculate interest using an explicit principal, rate, number of days and day-count basis.
Use this calculator : Simple Interest CalculatorAPR to APY Calculator: Nominal Interest Conversion
Convert a nominal annual rate to effective yield for a chosen compounding frequency.
Use this calculator : APR to APY Calculator: Nominal Interest ConversionSinking Fund Planner
Plan separate monthly contributions for three earmarked future bills and compare the total with your available budget.
Use this calculator : Sinking Fund PlannerSavings Account Comparison Calculator
Compare two user-supplied APYs, monthly fees and a one-time switching cost using equal deposits and a shared horizon.
Use this calculator : Savings Account Comparison CalculatorCollege Savings Planner
Project a tuition-cost goal through a monthly saving phase and a separate annual college-withdrawal phase.
Use this calculator : College Savings PlannerInvestment Fee Impact Calculator
Compare two entered annual percentage fees under identical returns, contributions and time horizons.
Use this calculator : Investment Fee Impact CalculatorPortfolio Rebalancing Calculator
Translate three user-selected target weights into dollar trades, or allocate new cash without selling.
Use this calculator : Portfolio Rebalancing CalculatorTax Equivalent Yield Calculator
Compare entered taxable and federally exempt yields using explicit marginal tax assumptions.
Use this calculator : Tax Equivalent Yield CalculatorTreasury Bill Yield Calculator
Convert an entered bill purchase price into holding-period returns and clearly distinguished annualized measures.
Use this calculator : Treasury Bill Yield CalculatorCD Early Withdrawal and Reinvestment Calculator
Compare keeping an entered CD until maturity with paying a modeled early-withdrawal penalty and reinvesting for the remaining term.
Use this calculator : CD Early Withdrawal and Reinvestment CalculatorBond Price and Yield Scenario Calculator
Price a fixed-coupon bond from an entered yield, and distinguish dollar price, price per 100 of par, current yield and effective annual yield.
Use this calculator : Bond Price and Yield Scenario CalculatorTime-Weighted and Money-Weighted Return Calculator
Measure three years of entered portfolio values and contributions without confusing account growth with investment performance.
Use this calculator : Time-Weighted and Money-Weighted Return CalculatorDollar-Cost Averaging Comparison Calculator
Compare four equal-cash purchases with one upfront purchase using an entered price sequence and the same starting cash budget.
Use this calculator : Dollar-Cost Averaging Comparison CalculatorTwo-Asset Portfolio Risk Scenario Calculator
Combine entered return, volatility and correlation assumptions for two assets, with no recommended allocation or forecast.
Use this calculator : Two-Asset Portfolio Risk Scenario CalculatorIncome, benefits and insurance
Salary and Hourly Pay Calculator
Convert hourly pay, working hours and paid weeks into gross earnings estimates.
Use this calculator : Salary and Hourly Pay Calculator401(k) Match Calculator
Compare steady contributions with front-loading under a simple employer matching formula.
Use this calculator : 401(k) Match CalculatorPet Insurance Reimbursement Calculator
Compare deductible calculation orders and a remaining claim limit.
Use this calculator : Pet Insurance Reimbursement CalculatorTiered Sales Commission Calculator
Calculate two marginal commission tiers, returns, base pay and the effective commission percentage.
Use this calculator : Tiered Sales Commission CalculatorFreelance Hourly Rate Calculator
Translate a pre-tax owner-compensation target and business overhead into a billable hourly rate after collection fees.
Use this calculator : Freelance Hourly Rate CalculatorHealth Plan Cost Comparison Calculator
Compare two individual plans using the same covered in-network allowed charges, premiums, deductibles, coinsurance and out-of-pocket caps.
Use this calculator : Health Plan Cost Comparison CalculatorInsurance Deductible Comparison Calculator
Compare two property or auto deductible choices for no claim, one covered loss and an entered claim probability.
Use this calculator : Insurance Deductible Comparison CalculatorSocial Security Claiming Break-Even Calculator
Compare cumulative gross benefits at two user-entered claiming ages without predicting eligibility or benefit amounts.
Use this calculator : Social Security Claiming Break-Even CalculatorPension Lump Sum Comparison Calculator
Compare an entered pension payment stream with a lump sum over an explicit horizon and discount assumption.
Use this calculator : Pension Lump Sum Comparison CalculatorTake-Home Pay Reconciliation Calculator
Reconcile an entered paycheck using actual withholding and deductions, then annualize the same repeated paycheck.
Use this calculator : Take-Home Pay Reconciliation CalculatorFSA Contribution and Forfeiture Calculator
Compare an entered employee contribution with expected eligible spending, employer funding and a plan-specific carryforward assumption.
Use this calculator : FSA Contribution and Forfeiture CalculatorLife Insurance Coverage Gap Calculator
Estimate a coverage gap from entered obligations, an income-replacement scenario and resources earmarked for survivors.
Use this calculator : Life Insurance Coverage Gap CalculatorRoth vs Traditional Contribution Calculator
Compare future after-tax values from the same pretax contribution budget under entered tax-rate and growth assumptions.
Use this calculator : Roth vs Traditional Contribution CalculatorBusiness cash flow
Business Break-Even Calculator
Find the sales volume needed to cover fixed and variable costs.
Use this calculator : Business Break-Even CalculatorProfit Margin and Markup Calculator
Distinguish profit margin from markup and compare revenue with the costs you enter.
Use this calculator : Profit Margin and Markup CalculatorDebt Service Coverage Ratio Calculator
Compare annual income available for debt service with required debt payments and a target ratio.
Use this calculator : Debt Service Coverage Ratio CalculatorInvoice Delay Cost Calculator
Estimate simple financing cost while an invoice remains unpaid.
Use this calculator : Invoice Delay Cost CalculatorCash Runway Calculator
Model monthly cash burn, reserve crossings and a funding gap under the cash-flow assumptions you enter.
Use this calculator : Cash Runway CalculatorWorking Capital and Liquidity Ratios Calculator
Calculate working capital, current ratio, quick ratio and cash ratio from clearly separated balance-sheet categories.
Use this calculator : Working Capital and Liquidity Ratios CalculatorCash Conversion Cycle Calculator
Combine collection, inventory and supplier-payment days using consistent balances and period totals.
Use this calculator : Cash Conversion Cycle CalculatorInvoice Factoring Cost Calculator
Reconcile a factoring advance, upfront and period fees, retained reserve and cash released at settlement.
Use this calculator : Invoice Factoring Cost CalculatorEarly Payment Discount Calculator
Compare a supplier discount with the assumed funding cost of paying early, including the net dollar benefit.
Use this calculator : Early Payment Discount CalculatorMerchant Card Processing Fee Calculator
Estimate card-processing fees and net receipts with separate percentage, transaction, fixed and refund charges.
Use this calculator : Merchant Card Processing Fee CalculatorStraight-Line Book Depreciation Calculator
Allocate an asset’s depreciable book cost over its useful life and track accumulated depreciation and book value.
Use this calculator : Straight-Line Book Depreciation CalculatorEquipment Investment Calculator
Estimate project NPV, a unique IRR and end-year payback from an upfront cost, constant annual net cash and residual proceeds.
Use this calculator : Equipment Investment CalculatorInventory Order Quantity Calculator
Estimate EOQ, a rounded-up order quantity and a reorder point under stated steady-demand assumptions.
Use this calculator : Inventory Order Quantity CalculatorMake vs Buy Calculator
Compare two fixed-plus-variable cost structures at a chosen volume and locate any nonnegative cost crossover.
Use this calculator : Make vs Buy CalculatorPromotion Profit Calculator
Find the whole-unit sales volume needed for a discount promotion to match the original contribution after added campaign costs.
Use this calculator : Promotion Profit CalculatorSubscription Unit Economics Calculator
Follow a fixed acquired customer cohort through entered churn, contribution margin and acquisition cost over a bounded horizon.
Use this calculator : Subscription Unit Economics CalculatorBusiness Line of Credit Cost Calculator
Estimate one cycle's interest and unused-line fees from daily utilized and available credit around an entered draw and repayment.
Use this calculator : Business Line of Credit Cost CalculatorRental Property Cash Flow Calculator
Estimate one stabilized rental year with vacancy, operating expenses, financing and a separate capital reserve.
Use this calculator : Rental Property Cash Flow CalculatorAdvertising ROI and ROAS Calculator
Separate attributed revenue, ROAS and contribution-based campaign profit using an explicit incrementality assumption.
Use this calculator : Advertising ROI and ROAS CalculatorInventory Shrinkage and Recovery Sales Calculator
Reconcile recorded and counted stock at cost, then estimate the additional contribution needed to recover a measured shortage.
Use this calculator : Inventory Shrinkage and Recovery Sales CalculatorProduct Mix Break-Even Calculator
Find the whole sales bundles required to cover fixed costs when two products sell in a specified unit mix.
Use this calculator : Product Mix Break-Even CalculatorReceivables Collection Scenario Calculator
Estimate cash collected from four aging buckets during the same planning period and compare it with entered outflows.
Use this calculator : Receivables Collection Scenario CalculatorEmployee vs Contractor Cost Calculator
Compare whole-employee staffing with a contractor quote for the same entered annual work requirement and comparison period.
Use this calculator : Employee vs Contractor Cost CalculatorEquivalent Annual Cost Calculator
Annualize two assets’ purchase, operating and residual-value cash flows when their service lives differ.
Use this calculator : Equivalent Annual Cost CalculatorEveryday money
Household Budget Calculator
Compare monthly take-home income with spending and planned savings to see a surplus or shortfall.
Use this calculator : Household Budget CalculatorRent Split by Room Size Calculator
Split rent between two bedroom groups using private-room size and shared space allocated by occupants.
Use this calculator : Rent Split by Room Size CalculatorNet Worth Calculator
Add full asset values and debt balances to calculate net worth, home equity and debt relative to assets.
Use this calculator : Net Worth CalculatorPrice Discount and Coupon Calculator
Apply two successive discounts and an order coupon to see the price, savings and effective discount.
Use this calculator : Price Discount and Coupon CalculatorSales Tax Add or Extract Calculator
Add tax to a price or extract included tax using a rate you enter and a stated rounding convention.
Use this calculator : Sales Tax Add or Extract CalculatorCar Ownership Cost Calculator
Estimate vehicle ownership cost over a chosen holding period, including financing, operating costs and an entered resale value.
Use this calculator : Car Ownership Cost CalculatorCommute Cost and Time Calculator
Compare annual driving costs and travel time for two commuting patterns using your own value of time.
Use this calculator : Commute Cost and Time CalculatorCollege Net Price and Funding Gap Calculator
Separate grants and scholarships from loans and earned resources when reviewing one school’s annual costs.
Use this calculator : College Net Price and Funding Gap CalculatorMonthly Cash Flow Calendar Calculator
See how the posting dates of two paychecks and four bills affect the lowest cash balance within one month.
Use this calculator : Monthly Cash Flow Calendar CalculatorCurrency Exchange Quote Cost Calculator
Compare two entered foreign-exchange quotes using the same total US-dollar budget, explicit fees and a supplied reference exchange rate.
Use this calculator : Currency Exchange Quote Cost CalculatorAppliance Energy Cost Comparison Calculator
Compare purchase and running costs for two appliances using the same entered operating pattern and electricity price.
Use this calculator : Appliance Energy Cost Comparison CalculatorGet a useful result
- Gather the right inputs. Start with the written loan terms, current statement, household budget or actual policy details relevant to the tool. A contractual interest rate and a fee-inclusive APR can be different inputs.
- Check the assumptions. Check the note beside the form. Payment timing, compounding, fees, coverage limits and calculation order can change the answer.
- Compare scenarios. Change one input at a time to see why the result changes. Keep an affordable budget separate from an attractive mathematical result.
- Confirm the real-world terms. These calculators provide estimates. They don’t confirm loan approval, investment returns, insurance coverage or a tax result.
What you’ll find in each guide
Each calculator has a labeled input form, numerical results and an original visual based on those results. Its guide explains the formula, walks through an illustrative example, identifies important exclusions and answers common questions. Tables also make the chart values available in text.
For loans, keep the stated interest rate, payment amount and total borrowing cost distinct. For savings, distinguish a nominal rate from an effective annual yield. For insurance and employer benefits, the contract or plan document determines which assumptions apply.
These tools are for educational planning, not personalized financial, tax, legal or investment advice. Read our editorial policy, explore the financial guides, or report a calculation issue with the inputs and result you want checked. Please leave out account numbers and other sensitive information.
Questions or corrections?
Send a question or report an issue with a published page.