Finance & Investing
Finance & Investing Calculators
Plan borrowing, saving, investing, pay, and major money decisions.
108 tools
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Start with the hub when you want a decision path, not just one calculator.
50 30 20 Budget Calculator
50/30/20 budget calculator: split your after-tax income into needs, wants, and savings with exact dollar amounts for each of the three. Free, no signup.
529 College Savings Calculator
529 college savings calculator: project the future value of your monthly contributions and investment growth toward expected college costs. Free, no signup.
Annuity Payout Calculator
Annuity payout calculator: convert a lump sum into monthly or yearly income over a fixed term, with editable rates. Free, private, no signup required.
Balloon Payment Calculator
Balloon payment calculator: monthly payment and the final balloon balance from loan amount, APR, term, and balloon month. Free, no signup, runs locally.
Boat Loan Calculator
Boat loan calculator with a full amortization schedule: monthly payment, total interest, and payoff date for new or used boats. Free, private, no signup.
Budget Planner Calculator
Budget planner calculator: split monthly income across needs, wants, and savings targets and spot overspending fast. Editable categories, free, no signup.
Business Loan Calculator
Business loan calculator: monthly payment, total interest, and total cost from loan amount, APR, and term. Free, editable terms, no signup, runs locally.
Capital Gains Calculator
Capital gains calculator: compute profit, short vs long-term treatment, and estimated tax due from purchase price, sale price, and holding period. Editable rates.
Child Care Cost Calculator
Child care cost calculator: compare daycare, nanny, and au pair options by weekly and annual cost per child. Free, editable rates, no signup, runs locally.
College Cost Calculator
College cost calculator: project tuition, housing, and fees across all your years of study, with savings and aid gaps made clear. Free, editable rates, no signup.
Credit Utilization Calculator
Credit utilization calculator: compute your per-card and overall utilization ratio from balances and limits. Free, private, runs locally in your browser.
Debt Avalanche Calculator
Debt avalanche calculator orders your debts by interest rate and projects payoff date and total interest saved versus minimums. Editable rates, no signup.
Debt Consolidation Calculator
Debt consolidation calculator that compares current debts against one consolidated loan for interest and payoff savings. Free, no signup, runs in your browser.
Debt Free Date Calculator
debt free date calculator that projects your payoff date and total interest from balances, rates, and monthly payments. Editable rates, free, no signup required.
Debt Snowball Calculator
Debt snowball calculator orders your debts smallest to largest and projects your payoff date, momentum, and interest paid. Editable rates, free, no signup.
Dividend Yield Calculator
Dividend yield calculator: turn a stock price and annual dividend per share into yield, plus income on any invested amount. Free, private, runs in your browser.
EBITDA Calculator
EBITDA calculator: compute earnings before interest, taxes, depreciation, and amortization from revenue, costs, or net income. Free, private, no signup.
EOQ Calculator
EOQ calculator: find the economic order quantity that minimizes combined ordering and holding costs, with reorder context. Free, editable rates, no signup.
Estate Tax Calculator
Estate tax calculator that estimates federal and state estate tax from gross estate, deductions, and exemptions. Free, runs in your browser, no signup.
FHA Loan Calculator
FHA loan calculator that computes your monthly payment with MIP, upfront premium, taxes, and insurance included. Free, runs in your browser, no signup.
FSA Calculator
FSA calculator estimates your annual tax savings from a flexible spending account using your contribution and tax bracket. Editable rates, free, no signup.
Federal Income Tax Calculator
Federal income tax calculator that estimates tax owed by filing status, tax brackets, and standard deductions. Free, private, runs in your browser, no signup.
GDP Calculator
GDP calculator: compute gross domestic product by expenditure or income approach from consumption, investment, and spending. Free, no signup, runs locally.
Gift Tax Calculator
Gift tax calculator: taxable gifts above the annual exclusion and how much lifetime exemption each gift uses. Editable rates, free, no signup, runs locally.
Gross Margin Calculator
Gross margin calculator: gross margin percentage and markup from revenue and cost of goods sold. Free, private, editable inputs, runs locally in your browser.
Gross Up Calculator
Gross up calculator: convert a net amount into the gross payment needed so taxes leave the recipient with the exact net figure. Editable tax rates, free.
HSA Tax Savings Calculator
HSA tax savings calculator estimates federal and FICA tax savings from your HSA contributions across payroll and deduction routes. Editable rates, no signup.
Interest Only Loan Calculator
Interest only loan calculator: compute monthly payments on interest-only mortgages and the step-up when principal amortization begins. Free, runs in your browser.
Interest Rate Calculator
Interest rate calculator that finds the true annual rate implied by loan amount, term, and monthly payment. Free, private, runs in your browser, no signup.
Investment Fee Calculator
Investment fee calculator: show how expense ratios and advisory fees erode portfolio returns over decades, with dollar cost. Free, runs locally, no signup.
Investment Growth Calculator
Investment growth calculator projects your portfolio value from initial deposit, contributions, return rate, and compounding over time. Editable rates, no signup.
Local Income Tax Calculator
local income tax calculator that estimates city and county income tax owed from your salary, filing status, and local rate. Editable rates, free, no signup.
Market Cap Calculator
Market cap calculator: a company's market capitalization from shares outstanding times the current share price. Free, instant, private, no signup, runs locally.
Mortgage Escrow Calculator
Mortgage escrow calculator: estimate your monthly escrow payment for property taxes and homeowners insurance with editable rates. Free, private, no signup.
Mortgage Payoff Calculator
Mortgage payoff calculator that shows how extra monthly or lump-sum payments cut years and interest off your loan. Free, no signup, runs in your browser.
Net Present Value Calculator
Net present value calculator: discount uneven cash flows at your chosen rate to get NPV and an instant accept or reject signal. Free, editable rates, no signup.
PE Ratio Calculator
PE ratio calculator: compute price to earnings ratio from any stock price and EPS to quickly gauge valuation. Free, private, runs in your browser, no signup.
Payout Ratio Calculator
Payout ratio calculator: compute dividend payout ratio from dividends and earnings, or dividends per share, with retention rate. Free, runs locally, no signup.
Personal Loan Calculator
Personal loan calculator that computes monthly payments, total interest, and payoff date from amount, rate, and term. Free, runs in your browser, no signup.
Rent Split Calculator
Rent split calculator: divide rent fairly by room size, income or even shares, with each roommate paying their exact amount. Free, runs locally, no signup.
Retirement Withdrawal Calculator
Retirement withdrawal calculator: project how long savings last given balance, withdrawal rate, returns and inflation. Free, private, runs in your browser.
Return on Investment Calculator
Return on investment calculator: compute ROI percentage and net profit from cost and returns for any project or asset. Free, private, runs in your browser.
Rule of 72 Calculator
Rule of 72 calculator shows how many years it takes to double your money at any return rate, plus the exact figure for comparison. Free, runs in your browser.
Sales Tax Calculator
Sales tax calculator: add or remove sales tax from any price using state, county and city combined rates. Free, private, runs in your browser, no signup.
Sales Tax by ZIP Code
Sales tax by ZIP code: see the candidate states, base rate, and local rate ceiling for any US ZIP before estimating tax due. Free, private, no signup.
Social Security Break Even Calculator
Social security break even calculator: find the exact age where early versus delayed claiming pays more, with lifetime totals. Free, runs in your browser.
Social Security Tax Calculator
Social Security tax calculator: compute FICA and SECA tax owed from salary or self-employment income, wage base included. Free, editable rates, no signup.
Stock Return Calculator
Stock return calculator: measure total return and annualized CAGR from buy price, sell price, dividends paid, and holding period. Free, editable rates, no signup.
Subscription Cost Calculator
Subscription cost calculator: total monthly and annual spend across all your subscriptions and spot the costliest ones. Free, editable rates, no signup.
T-Bill Yield Calculator
T bill yield calculator: convert T-bill discount price to bank discount, coupon equivalent, and investment yield. Free, no signup, runs in your browser.
Term Life Insurance Calculator
Term life insurance calculator: estimate the coverage your family needs using the DIME method for debts, income, mortgage, and education. Free, no signup.
Unit Price Calculator
Unit price calculator: price per unit, ounce, or gram so you can compare package sizes and find the real deal. Free, private, in your browser, no signup.
VA Mortgage Calculator
Free VA mortgage calculator: monthly payment with the 2026 VA funding fee included, zero PMI. Compare first-use, down-payment and IRRRL scenarios instantly.
Wash Sale Calculator
Wash sale calculator that computes disallowed losses and adjusted cost basis across buy and sell dates. Free, private, runs in your browser, no signup.
1099 Income Tax Calculator
1099 self employment tax calculator: estimate 2026 SECA tax at 15.3% on net self-employment earnings plus a quarterly payment planner. Free, no signup.
401k Employer Match Calculator
401k employer match calculator: estimate your contributions, employer match, and unclaimed match you are leaving on the table per paycheck. Free, no signup.
APR & Effective Interest Calculator
APR calculator: convert nominal interest plus fees into fee-adjusted APR and effective interest rate so you can compare true loan cost. Free, no signup.
APY Calculator
APY calculator: convert any nominal rate and compounding frequency into annual percentage yield, with a full frequency comparison table (annual to daily) and one-year interest on your deposit. Free, private, in-browser.
After Repair Value Calculator
ARV calculator: estimate after repair value from comparable sales per square foot plus renovation scope before you commit to a house flip. Free, no signup.
Auto Loan Calculator
Auto loan calculator: estimate monthly payment, total interest, and payoff cost from price, down payment, rate, and term. Free, runs locally in your browser.
Break-Even Ratio Calculator
Break even ratio calculator: find breakeven occupancy for rentals from debt service and operating expenses. Free, private, editable inputs, no signup.
CAGR Calculator
CAGR calculator: convert a start value, end value, and holding years into compound annual growth rate for any investment. Free, private, runs in your browser.
Cap Rate Calculator
Cap rate calculator: compute the capitalization rate on a rental property from property value and net operating income for unlevered yield. Free, no signup.
Cash-on-Cash Return Calculator
Cash on cash return calculator: divide annual pre-tax cash flow by total cash invested to gauge rental property return. Editable inputs, free, no signup.
Closing Cost Calculator
Closing cost calculator: estimate buyer closing costs from price, loan amount, title fees, and escrow before you sign at the table. Free, private, runs locally.
Compound Interest Calculator
Calculate compound interest with recurring contributions. Free compound interest calculator with the formula shown - runs entirely in your browser, no signup.
Crypto Profit Calculator
Crypto profit calculator: compute profit and ROI on your buys and sells, including exchange fees, with the formula shown. Runs in your browser, no signup.
DSCR Calculator
DSCR calculator: divide net operating income by debt service to get the debt service coverage ratio lenders use on rental property loans. Free, no signup.
Debt Payoff Calculator
Debt payoff calculator: see how long a loan or credit card takes to clear and how extra monthly payments cut interest and shorten the payoff date. Free.
Debt-to-Income Ratio Calculator
Debt-to-income ratio calculator: compute front end and back end DTI from monthly debt payments and gross income to see what lenders allow. Free, no signup.
Down Payment Calculator
Down payment calculator: work out home down payment amount, loan to value, cash to close, and closing costs from your available cash. Free, no signup.
Fix and Flip Profit Calculator
Fix and flip profit calculator: estimate house flipping profit, rehab costs, and flip ROI before you buy. Free, editable inputs, runs in your browser.
Future Value Calculator
Future value calculator: project savings growth from deposits, interest rate and compounding frequency over any time span. Editable rates, free, no signup.
Gross Rent Multiplier Calculator
Gross rent multiplier calculator: compare property price to annual rent with the GRM formula to screen rental real estate deals before touring. Free, no signup.
Inflation Impact Calculator
Inflation calculator: see how rising prices shrink purchasing power and what goods will cost in the future at your chosen rate. Free, runs in your browser.
Loan-to-Value Calculator
Loan-to-value calculator: compute LTV from price, loan amount, and down payment to see PMI thresholds and home equity before refinancing. Free, no signup.
Lump Sum Vs Dca Calculator
Lump sum vs DCA calculator: compare investing a windfall all at once against dollar cost averaging over time. Free, runs locally, no signup needed ever.
Maximum Allowable Offer Calculator
Maximum allowable offer calculator: apply the 70 percent rule to ARV minus repair costs to set a profitable fix and flip offer. Editable, free, no signup.
Mortgage Affordability Calculator
Mortgage affordability calculator: estimate how much house you can afford from income, debts, and down payment using front-end and back-end DTI. Free.
Mortgage Overpayment Calculator
See how extra monthly payments or a one-time lump sum cut years off a mortgage and save interest. Enter loan, rate, term, and overpayments for a private estimat
Mortgage Payment Calculator
Estimate your monthly mortgage payment including principal, interest, taxes, and insurance. Enter loan amount, rate, and term for a full breakdown. Private.
Mortgage Refinance Break-Even Calculator
Mortgage refinance break even calculator: compare closing costs against monthly savings to find when refinancing pays off. Free, editable rates, no signup.
Net Operating Income Calculator
Net operating income calculator: compute real estate NOI from rental income and operating expenses with the standard NOI formula. Free, editable inputs.
Paycheck After Tax Calculator
paycheck after tax calculator that estimates take-home pay from salary with federal brackets, FICA, and state withholding. Editable rates, free, no signup.
Percentage Calculator
Calculate percentages, increases, and changes instantly. Free percentage calculator with the formula shown - runs entirely in your browser, no signup.
Price-to-Rent Ratio Calculator
Price to rent ratio calculator: compare home price with annual rent to read buy vs rent market signals. Editable rates, free, runs locally in your browser.
Real Estate Cash Flow Calculator
Real estate cash flow calculator: subtract mortgage, operating expenses, and vacancy from rental income to get monthly cash flow per property. Free, no signup.
Rent vs Buy Calculator Australia
Australia rent vs buy calculator: compares buying, renting, and rent-vesting with state stamp duty, first home concessions, FHOG, and 2027 capital gains tax rules. Free, no signup.
Rent vs. Buy Calculator
Rent vs buy calculator: compare monthly renting costs against owning a home including mortgage, taxes, and upkeep to find your break-even point. Free, no signup.
Rent-to-Value Calculator
Rent to value calculator: check monthly rent against property value with the 1 percent rule for rentals. Free, private, runs in your browser, no signup.
Rental Property ROI Calculator
Rental property ROI calculator: combine rental cash flow, expenses, and property appreciation into total return on investment. Free, editable rates, no signup.
Rental Yield Calculator
Rental yield calculator: compute gross rental yield from annual rent and property price using the standard yield formula. Free, private, runs in your browser.
Retirement Planning Calculator
Retirement calculator: project savings growth, withdrawals, and income from your balance, contributions, and retirement age. Free, private, no signup required.
Salary Raise Calculator
Pay raise calculator: convert a raise percentage or new salary into hourly, weekly, and annual pay, and compare your before and after income. Free, no signup.
Savings Goal Calculator
Savings goal calculator: find the monthly deposit or timeline needed to hit a savings target with compound interest. Free, editable rates, runs locally.
Savings Growth Calculator
Savings calculator: project how much your savings will grow with compound interest, deposits, and time to reach a future value. Free, runs in your browser.
Share Profit Calculator
Stock profit calculator: compute gain or loss, ROI, and total return on your share trades including fees. Free, private, runs in your browser, no signup.
Student Loan Payoff Calculator
Student loan payoff calculator: see how extra payments cut interest and shorten your student loan repayment timeline. Free, editable rates, no signup.
Vacancy Rate Impact Calculator
Vacancy rate calculator: stress test how vacancy impacts rental cash flow and lost rent each year. Free, editable rates, runs in your browser, no signup.
Balance Transfer Savings Calculator
Balance transfer calculator: compare interest saved moving credit card debt to a 0% APR card, transfer fees included. Free, editable rates, no signup.
Credit Card Payoff Calculator
Credit card payoff calculator: see months to debt freedom and total interest saved at any monthly payment amount you choose. Free, editable rates, no signup.
DCA Investment Calculator
DCA calculator: dollar cost average your investments and see total shares, average cost basis, and returns across recurring buys. Free, runs in browser.
Dividend Reinvestment Calculator
Dividend reinvestment calculator: model long-term portfolio growth when dividends are reinvested, with yield, growth, and years inputs. Free, no signup.
Emergency Fund Calculator
Emergency fund calculator: set your target from monthly expenses, see the gap from current savings, and how long it takes to close it. Free, no signup.
Gold, Silver & Precious Metals Price Calculator
Gold price calculator: value gold, silver, platinum, and palladium by weight, purity, and current spot price per gram or ounce. Free, editable rates, no signup.
Loan Comparison Calculator
Loan comparison calculator: compare monthly payments and total interest across up to three loans side by side. Free, private, runs in your browser, no signup.
Rent Affordability Calculator
Rent affordability calculator: find max rent by income using the 30% rule, debt, and rent-to-income ratio. Free, private, runs in your browser, no signup.
Stock Average Cost Calculator
Stock average cost calculator: compute weighted average share price, total shares, cost basis, and unrealized gain from your buys. Free, private, no signup.