Personal finance calculators
Plain calculators that show their formulas. No sign-up, nothing stored, and each one links to the guide that explains the decision behind it.
Compare emergency-fund coverage targets, count existing savings, and estimate the time to build a reserve with monthly deposits and a chosen APY.
See how a savings balance grows with monthly deposits at a given APY, how much of it is interest, what taxes take, and how long a savings goal takes to reach.
Project your 401(k) balance at retirement from salary, contribution rate, employer match, raises and expected return, and see how much of it the match and growth provide.
Convert a nominal interest rate to APY for any compounding schedule, compare two rates on the same balance, and see the dollar interest a balance earns in a year.
Calculate mortgage payments, compare extra principal payments, and download a monthly amortization schedule. Includes estimated taxes, insurance and PMI.
See whether refinancing pays: new monthly payment, how many months until closing costs are recovered, and total interest on the old loan versus the new one over the time you plan to stay.
See what an amount today is worth after years of inflation, what it takes to keep purchasing power, and the real return on savings after inflation and taxes.
Project a Roth IRA balance at retirement from your contributions and return, see how much is tax-free growth, and compare with the same money in a taxable account.
Find your home equity and loan-to-value from today's home value and mortgage balance, then see how much a lender would let you borrow at 80%, 85% and 90% combined LTV.
Estimate HELOC payments during the interest-only draw period and the repayment period, total interest for the amount you actually draw, and how a rate change moves the payment.
Add up what you own and subtract what you owe to get your net worth, see the liquid part you could reach quickly, and compare against the median for your age from Federal Reserve data.
See what a starting balance plus monthly contributions grows to at any rate and horizon, how much of the result is your money versus interest, and a year-by-year table.
Estimate the home price you can afford from income, debts, down payment and today's mortgage rate using adjustable housing and debt ratios, with taxes, insurance, HOA and estimated PMI.
Compare the full cost of buying a home against renting and investing the difference over the years you plan to stay, including transaction costs, appreciation, maintenance and opportunity cost.
Enter your debts and an extra monthly payment to see how long payoff takes and how much interest you pay with the avalanche (highest APR first) and snowball (smallest balance first) methods.