Finance Calculators

Monthly payment, total interest, full amortization, plus an early-payoff scenario showing months and interest saved by adding to each payment.

Full PITI estimate plus a month-by-month amortization schedule (downloadable as CSV).

Auto-loan monthly payment with trade-in, down payment, and optional state sales tax — tax computed on (price − trade-in) per the most common US "trade-in tax credit" rule.

Monthly payment and total cost for any unsecured personal loan.

Snowball vs avalanche — see which payoff strategy gets you out faster.

How long to clear a credit card balance and the true interest cost.

Break-even months and lifetime savings from refinancing your mortgage.

Maximum home price you can afford, based on income, debts, and down payment.

Find an affordable monthly rent budget based on your income — using the 30% rule, the 40× annual income rule, and a debt-to-income-aware recommendation that factors in your existing debt payments.

Monthly lease payment from MSRP, capitalized cost, residual value, money factor, term, sales tax, and down payment — using the standard lease-payment formula (depreciation + finance + tax).

True Annual Percentage Rate (Reg Z / Truth in Lending) — nominal rate plus fees rolled into one comparable figure.

Future value of an investment growing with compound interest plus monthly contributions, with a year-by-year line chart (linear or log scale) of balance vs. cumulative contributions.

Monthly savings needed to hit a target amount by a deadline.

Projected nest egg + monthly retirement income at your target age, with optional FI / 25×-spending target mode.

401(k) growth projection with employer match and salary increases.

Total return, annualized return (CAGR), and dollar gain — with optional IRR mode for regular contributions.

How much to keep in a HYSA for 3, 6, or 12 months of expenses.

Total assets minus total liabilities — track your financial picture.

Outcome of investing a fixed amount monthly over time.

Project a bank or HYSA balance with APY, monthly deposits, and inflation-adjusted real value.

US federal income tax owed using the 2024, 2025, or 2026 IRS brackets — by filing status (Single / MFJ / MFS / HoH). Shows marginal rate, effective rate, tax owed, take-home pay, and an optional auto-subtract of the standard deduction.

Full federal + state income tax estimate — wages, pre-tax 401(k)/HSA, standard or itemized deduction, child + dependent credits, FICA. Returns total tax burden, effective rate, and take-home pay.

Gross salary to net paycheck — federal tax + FICA + optional state.

15.3% SE tax + estimated income tax for freelancers and contractors.

Short-term vs long-term capital gains tax — federal rates only.

Convert an hourly wage to annual, monthly, and weekly salary equivalents — with optional overtime.

Convert an annual salary to hourly, weekly, and monthly equivalents.

New salary and monthly increase from a percentage raise.

Units (and revenue) you need to sell to cover your fixed costs.

Gross, operating, and net margin — three standard profitability ratios.

Markup percentage, margin percentage, and selling price from cost.

Tip amount and per-person split for any bill.

Convert between 30 major world currencies using a snapshotted static rate table — clearly marked, not live.

Purchasing power of a dollar amount between any two years (US CPI).

Six-mode percentage tool — X% of Y, X is what % of Y, % change, % difference (symmetric), add %, and subtract %.

Return on investment for a project, marketing campaign, or business outlay — simple and annualized.