100 Free US Financial Calculators
Mortgage, loan, tax, retirement, investing and business calculators with interactive charts. Search by what you want to do, or browse by category.
Mortgage & Home Buy or own a home
Mortgage Payment
Monthly payment with taxes, insurance, HOA and PMI
Mortgage & HomeHow Much House Can I Afford
Maximum home price from income, debts and down payment
Mortgage & HomeMortgage Refinance
Monthly savings and break-even point of refinancing
Mortgage & HomeExtra Mortgage Payment
Interest saved and years cut by paying extra
Mortgage & HomeAmortization Schedule
Year-by-year principal and interest breakdown
Mortgage & HomeRent vs Buy
Compare net worth from renting versus buying
Mortgage & HomePMI
Private mortgage insurance cost and when it ends
Mortgage & HomeClosing Costs
Estimate cash needed at closing
Mortgage & HomeHELOC
Home equity line of credit limit and payments
Mortgage & HomeProperty Tax
Annual property tax and 10-year projection
Loans & Debt Pay off debt faster
Auto Loan
Car payment, total interest and term comparison
Loans & DebtPersonal Loan
Monthly payment, fees and total cost
Loans & DebtCredit Card Payoff
Time and interest to clear a balance
Loans & DebtDebt Snowball vs Avalanche
Compare two debt payoff strategies
Loans & DebtDebt-to-Income Ratio
DTI ratio lenders use to approve loans
Loans & DebtLoan Comparison
Compare two loan offers side by side
Loans & DebtAPR
True annual percentage rate including fees
Loans & DebtBalance Transfer
Savings from a 0% intro APR transfer
Loans & DebtCar Lease vs Buy
Which costs less over your ownership period
Loans & DebtLoan Payoff
Payoff date and interest saved with extra payments
Savings & Investing Grow my money
Compound Interest
Growth of savings with regular contributions
Savings & InvestingSavings Goal
Monthly savings needed to reach a target
Savings & InvestingCD
Certificate of deposit earnings and APY
Savings & InvestingInvestment Return (CAGR)
Annualized return between two values
Savings & InvestingDividend Reinvestment (DRIP)
Value with and without reinvested dividends
Savings & InvestingDollar-Cost Averaging
Steady investing versus a lump sum
Savings & InvestingStock Profit
Net gain after fees and taxes
Savings & InvestingInflation
Future prices and shrinking purchasing power
Savings & InvestingRule of 72
How long to double your money
Savings & InvestingInvestment Fee
How fund fees erode long-term wealth
Retirement Plan retirement
401(k)
Projected balance with employer match
RetirementRoth vs Traditional IRA
Which account leaves you with more after tax
RetirementHow Much Do I Need to Retire
Nest egg target, projection and shortfall
Retirement4% Rule Withdrawal
Will your portfolio last through retirement
RetirementSocial Security Benefit Estimator
Benefit estimate by claiming age
RetirementRequired Minimum Distribution (RMD)
Annual RMD from IRAs and 401(k)s
RetirementFIRE
Financial independence number and years to reach it
RetirementPension
Annual pension from service and salary
Retirement401(k) Employer Match
Free money you may be leaving on the table
RetirementRetirement Income Gap
Compare income sources with your spending goal
Taxes Estimate and lower taxes
Federal Income Tax
2026 tax bracket calculation
TaxesPaycheck
Take-home pay after taxes and deductions
TaxesCapital Gains Tax
Short- vs long-term gains tax on investments
TaxesSelf-Employment Tax
SE tax, income tax and quarterly payments
TaxesSales Tax
Add or remove sales tax from a price
TaxesMarginal vs Effective Tax Rate
See how your tax rate rises with income
TaxesFICA & Payroll Tax
Social Security and Medicare for employees and employers
TaxesTax Refund Estimator
Estimate refund or amount owed
TaxesStandard vs Itemized Deduction
Which deduction saves you more
TaxesQuarterly Estimated Tax
Safe-harbor quarterly payments
Budgeting & Everyday Manage monthly money
50/30/20 Budget
Split take-home pay into needs, wants and savings
Budgeting & EverydayEmergency Fund
How much to save and how fast to get there
Budgeting & EverydayNet Worth
Assets minus liabilities snapshot
Budgeting & EverydayHourly to Salary
Convert hourly pay to annual, monthly and weekly
Budgeting & EverydayTip
Tip and split the bill
Budgeting & EverydaySavings Rate
Your savings rate and years to retirement
Budgeting & EverydayCost of Living
Salary needed to move between US cities
Budgeting & EverydayRaise
New pay, real value after inflation
Budgeting & EverydaySubscription & Recurring Expense
Long-term cost and opportunity cost of small spending
Budgeting & EverydayJob Offer Comparison
Total compensation of two offers
Business & Freelance Start or run a business
Profit Margin
Gross, operating and net margin
Business & FreelanceBreak-Even
Units and revenue needed to cover costs
Business & FreelanceROI
Return on investment and annualized ROI
Business & FreelanceMarkup & Margin
Convert cost to selling price
Business & FreelanceFreelance Hourly Rate
The rate you must charge to hit your income goal
Business & FreelanceBusiness Loan
Payment, interest and debt service coverage
Business & FreelanceCash Runway
How many months until you run out of cash
Business & FreelanceCustomer Lifetime Value (LTV)
LTV, LTV:CAC ratio and payback period
Business & FreelanceEarly Payment Discount (2/10 Net 30)
Annualized cost of skipping a discount
Business & FreelanceDepreciation
Straight-line, declining balance and SYD
Insurance & Health Protect my family
Life Insurance Needs
Coverage amount using the DIME method
Insurance & HealthDisability Insurance Needs
Monthly benefit to protect your income
Insurance & HealthHSA
Tax savings and long-term HSA growth
Insurance & HealthFSA Savings
Tax savings and forfeiture risk
Insurance & HealthHDHP vs PPO Health Plan
Which health plan costs less at your usage
Insurance & HealthInsurance Deductible Break-Even
Is a higher deductible worth the premium savings
Insurance & HealthLong-Term Care Cost
Future cost of nursing and home care
Insurance & HealthTerm vs Whole Life Insurance
Buy term and invest the difference
Insurance & HealthRenters Insurance Coverage
Personal property value to insure
Insurance & HealthHome Insurance Coverage
Dwelling coverage from rebuild cost
Education & Family Pay for college or kids
529 College Savings
Will your 529 cover college costs
Education & FamilyCollege Cost
Four-year cost with tuition inflation
Education & FamilyStudent Loan Payment
Compare 10, 20 and 25-year repayment
Education & FamilyStudent Loan Payoff
Pay off student loans faster with extra payments
Education & FamilyCollege ROI
Payback of a degree versus not going
Education & FamilyCost of Raising a Child
Total costs from birth to age 17
Education & FamilyEducation Tax Credit Calculator (AOTC & LLC)
American Opportunity and Lifetime Learning credits
Education & FamilyStudent Loan Interest Deduction
Up to $2,500 tax deduction
Education & FamilyGraduate School ROI
Is a master’s or MBA worth the cost
Education & FamilyChildcare vs Staying Home
Is going back to work financially worth it
Real Estate Investing Invest in property
Rental Property
Cash flow, cap rate and cash-on-cash return
Real Estate InvestingCap Rate
Net operating income relative to price
Real Estate InvestingCash-on-Cash Return
Annual cash return on cash invested
Real Estate InvestingFix and Flip
Profit, ROI and maximum allowable offer
Real Estate InvestingGross Rent Multiplier
Quick price-to-rent screening metric
Real Estate InvestingDSCR
Debt service coverage and max loan size
Real Estate InvestingProperty Appreciation
Future home value and equity growth
Real Estate InvestingHouse Hacking
Live free or cheap by renting part of your home
Real Estate InvestingRental Property Sale Tax
Capital gains and depreciation recapture on a sale
Real Estate InvestingBRRRR
Buy, rehab, rent, refinance, repeat returns