Finance Calculators

Get your full PITI payment breakdown and a complete amortization schedule.

• Full PITI plus PMI and HOA breakdown
• Down payment in dollars or percent
• Amortization schedule with PMI drop-off estimate

Find out exactly how many months until refinancing savings outweigh the closing costs.

• Current payment, balance, and rate
• New term and closing-cost assumptions
• Break-even timing plus stay-period savings

Calculate your current home equity, LTV ratio, and how much you could borrow with a HELOC.

• Current value, balance, and liens
• Equity percentage plus LTV indicator
• Estimated borrowing room at 80% and 90% LTV

Compare the true long-term cost of renting vs buying, including equity, appreciation, and opportunity cost.

• Side-by-side renting and buying assumptions
• 5, 10, and 30-year style scenario planning
• Net cost difference plus breakeven timing

Find out exactly how much home you can afford based on your income, debts, and down payment.

• Gross income and monthly debts
• Down payment plus rate assumptions
• Maximum price and lender-style DTI view

See how much interest you save by making extra mortgage payments and find your new payoff date.

• Loan balance and interest rate
• Monthly and one-time extra payments
• New payoff date and interest saved

Calculate how much interest you save by paying extra on any personal, auto, or student loan.

• Works across common installment loan types
• Monthly extra and one-time lump-sum scenarios
• New payoff date plus interest savings

See the shocking real cost of minimum payments and find your fastest path to zero.

• Minimum payment cost and timeline
• Fixed-payment comparison against the minimum path
• Required payment to be debt-free by a chosen date

Add up your assets and liabilities to see your true financial picture in one number.

• Editable assets and liabilities side by side
• Live totals for what you own and what you owe
• Age-based net worth context and benchmark table

Understand every deduction on your paycheck with a cleaner tax and withholding breakdown.

• Line-by-line paycheck breakdown
• Federal, FICA, and state withholding estimates
• Pre-tax and post-tax deduction impact

Enter your salary or hourly rate and see what actually hits your bank account after taxes.

• Salary and hourly income modes
• Annual, monthly, and per-paycheck net pay
• Effective and marginal tax-rate view

Get a personalized emergency fund target based on your expenses and risk level.

• Essential-expense total and target size
• Risk-adjusted months-of-expenses recommendation
• Build timeline with progress tracking

Find out if you are on track to retire comfortably and what to change if you are not.

• Projected nest egg and income estimate
• Inflation-adjusted retirement need
• Dynamic shortfall-closing suggestions

See how compound interest grows your money over time with any contribution amount and return rate.

• Future value with compound growth
• Inflation-adjusted projection
• Live return-rate comparison table

Figure out how much to set aside each paycheck to reach any savings goal on time.

• Savings goal amount
• Pay frequency
• Target date

Calculate self-employment tax and quarterly payments as a freelancer, driver, or contractor.

• Projected annual income
• Business expenses
• State or federal tax-rate assumptions

Compare both debt payoff strategies side by side to find which saves you more money.

• Debt balances
• Interest rates
• Extra monthly payment amount

Instantly see if an apartment fits your budget using the classic income rule as a quick screen.

• Monthly rent
• Gross monthly income
• Utilities or housing extras

Map your biweekly paycheck to monthly bills so you never get caught short.

• Biweekly take-home pay
• Fixed monthly bills
• Variable spending targets

Estimate whether your current withholding leads to a refund, balance due, or a close match at tax time.

• Filing status and multiple-job setup
• Dependents, deductions, and other income
• Step 4(c) extra withholding estimate

Compare short-term and long-term capital gains treatment and see how much holding a little longer may save in tax.

• Stocks, real estate, crypto, or other assets
• Holding-period tax comparison
• Days-to-long-term savings estimate

Add tax, remove tax, or compare the same purchase across multiple states in one place.

• Add sales tax to a price
• Reverse tax from a final total
• Side-by-side state comparison

Add up home office, mileage, phone, and other write-offs that reduce taxable self-employment income.

• Home office percentage logic
• Mileage and recurring business-use costs
• Missed-deduction checklist

Estimate buyer and seller closing costs with an itemized breakdown that goes beyond the headline price.

• Buyer, seller, or both sides
• State-sensitive transfer-tax estimate
• Cash-to-close and percentage view

Estimate annual property tax and monthly escrow from home value using state-level effective rates.

• Home-value-based estimate
• Low / average / high range
• State property-tax ranking table

Check profit, ROI, break-even, and the 70% rule before deciding whether a flip is worth the risk.

• Purchase, repairs, and holding costs
• Net sale proceeds after fees
• 70% rule pass/fail output

See whether buying mortgage points is worth it based on break-even timing and how long you expect to stay.

• Point cost vs payment savings
• Break-even months
• Stay-period savings estimate

Compare standard, extended, income-driven, and extra-payment scenarios for student debt.

• Standard vs IDR comparison
• Income and family-size inputs
• Payoff time and total interest

Calculate front-end and back-end DTI and see how lenders may view your current debt load.

• Housing and nonhousing debts
• Conventional, FHA, VA, and personal-loan checks
• Debt-reduction target to qualify

Find out whether a 0% balance transfer saves real money after the fee and promo window are counted.

• Current APR vs 0% promo math
• Transfer-fee impact
• Payoff-in-time warning

See whether you are leaving employer match on the table and how contributions affect taxes and take-home pay.

• Employer-match optimization
• Tax-savings estimate
• Per-paycheck impact

Compare Roth and Traditional IRA outcomes based on your current and future tax assumptions.

• Roth vs Traditional side by side
• 2025 contribution limits
• After-tax retirement-value comparison

Estimate current tax savings and long-term invested HSA growth with the triple-tax-advantage view.

• 2025 HSA contribution limits
• Federal, state, and payroll-tax savings
• Retirement-balance projection

Compare recurring DCA investing with a lump sum so you can see both the math and the tradeoff clearly.

• DCA vs lump-sum comparison
• Stocks, crypto, or other investing mode
• Contribution and ending-value view

Estimate the true monthly cost of a car after insurance, gas, maintenance, and registration are included.

• Loan payment and all-in monthly cost
• Annual and five-year ownership cost
• Rule-of-thumb affordability check

Project how much you need to save for college based on age, inflation, and how late you are starting.

• Inflation-adjusted future college cost
• Future value of current savings
• Monthly savings target and cost of waiting

Build a realistic wedding budget from guest count, location type, style, and your total spending ceiling.

• Guest-count and venue-style inputs
• Category allocation by percentage
• Average-cost comparison and budget signal

Estimate first-year baby costs with delivery, childcare, feeding, and location assumptions that actually matter.

• Insurance and delivery type
• Childcare and feeding plan
• Monthly and annual breakdown

Estimate low, average, and high moving costs based on distance, home size, move type, and add-on services.

• Local, same-state, or cross-country modes
• Mover, truck, container, or hybrid options
• Packing, storage, piano, and car-shipping add-ons