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Financial & Business

Free calculators for loans, mortgages, interest, investments, and business finance — every rate-dependent tool uses editable inputs, since there's no single global rate.

Mortgage Calculator

Calculate your monthly mortgage payment and full amortization schedule from your own loan amount, rate, and term.

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Amortization Calculator

Calculate the monthly payment and year-by-year amortization schedule for any fixed-rate loan.

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Annuity Calculator

Calculate the future value of a series of regular payments into an ordinary annuity.

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Annuity Payout Calculator

Calculate the fixed periodic payment that fully depletes a starting balance over a set payout period.

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APR Calculator

Calculate the true annual percentage rate (APR) of a loan once fees and closing costs are factored in.

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Auto Loan Calculator

Calculate your monthly car payment including sales tax, down payment, and trade-in value.

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Boat Loan Calculator

Calculate the monthly payment, total interest, and total cost of a boat loan.

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CD Calculator

Calculate the maturity value and interest earned on a certificate of deposit.

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Commission Calculator

Calculate the commission earned on a sale, and the net amount left after commission.

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Compound Interest Calculator

Calculate compound interest growth on a principal, with optional recurring monthly contributions.

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Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio from monthly debt payments and gross monthly income.

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Depreciation Calculator

Calculate annual depreciation and a year-by-year book value schedule using straight-line or double-declining-balance methods.

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Discount Calculator

Calculate the final price after one or more stacked percentage discounts.

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Future Value Calculator

Calculate what a present sum grows to at a given interest rate over a number of periods.

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Interest Calculator

Compare simple interest and compound interest side by side on the same principal, rate, and time.

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Interest Rate Calculator

Calculate the simple and compound annual interest rate implied by a present value growing to a future value.

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IRR Calculator

Calculate the internal rate of return (IRR) for an initial investment and a series of future cash flows.

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Margin Calculator

Calculate profit margin and markup from cost and selling price, or find the price needed to hit a target margin.

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Mortgage Payoff Calculator

See how much time and interest an extra monthly mortgage payment saves.

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Payback Period Calculator

Calculate how many years it takes an investment's cash flows to recover the initial cost.

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Percent Off Calculator

Calculate the savings and final price for a single percentage-off discount.

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Present Value Calculator

Calculate what a future sum is worth today at a given discount rate.

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Rent Calculator

Calculate how much rent you can afford based on your gross monthly income.

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Rental Property Calculator

Calculate cap rate, cash-on-cash return, and monthly cash flow on a rental property investment.

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ROI Calculator

Calculate return on investment (ROI), with an optional annualized return over multiple years.

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Simple Interest Calculator

Calculate simple interest on a principal over time at a fixed annual rate.

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Student Loan Calculator

Calculate the monthly payment, total interest, and total repayment cost of a student loan.

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VAT Calculator

Add VAT to a net price or remove VAT from a gross price, at any VAT rate.

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Business Loan Calculator

Calculate your monthly business loan payment, origination fee cost, and total interest.

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Personal Loan Calculator

Calculate your personal loan's monthly payment, amount received after fees, and total interest cost.

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Home Equity Loan Calculator

Calculate your home equity loan payment and see how much borrowing room you have under an 85% equity ceiling.

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HELOC Calculator

Calculate your HELOC's interest-only draw-period payment and its amortized repayment-period payment.

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FHA Loan Calculator

Calculate your total FHA mortgage payment including upfront and monthly mortgage insurance premiums.

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VA Mortgage Calculator

Calculate your VA loan funding fee, total loan amount, and monthly payment based on down payment and service history.

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Mortgage Amortization Calculator

Calculate your mortgage payment plus a year-by-year schedule tracking principal, interest, and home equity built.

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Canadian Mortgage Calculator

Calculate your Canadian mortgage payment and true effective annual rate under semi-annual compounding.

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Mortgage Calculator UK

Calculate your UK mortgage payment plus Stamp Duty Land Tax, including first-time buyer relief.

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Refinance Calculator

Calculate your refinance savings and how many months it takes to break even on the closing costs.

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Auto Lease Calculator

Calculate your monthly auto lease payment from negotiated price, residual value, money factor, and sales tax.

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Lease Calculator

Calculate the monthly payment for an equipment or asset lease from its value, residual percentage, and lease rate.

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Loan Calculator

Calculate a loan's monthly payment, or work backward from a target payment to the maximum loan amount.

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Payment Calculator

Calculate a loan's monthly payment, total interest, and total cost from amount, rate, and term.

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Repayment Calculator

Calculate how many months it takes to pay off a balance with a fixed monthly payment.

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Credit Card Calculator

Calculate credit card payoff time from a fixed payment, or the payment needed to hit a target payoff date.

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Credit Cards Payoff Calculator

Compare the debt avalanche and snowball strategies for paying off multiple credit cards.

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Debt Payoff Calculator

Compare the debt avalanche and snowball strategies for paying off any mix of loans and debts.

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Debt Consolidation Calculator

Compare your current combined debt payments to a single consolidated loan payment.

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Cash Back or Low Interest Calculator

Compare a cash rebate against low-interest financing to see which one costs less overall.

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401K Calculator

Project your 401(k) balance at retirement from your salary, contribution rate, employer match, and expected return.

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IRA Calculator

Calculate the future value of a traditional IRA from your starting balance, annual contribution, and expected return.

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Roth IRA Calculator

Calculate the future value of a Roth IRA and see how tax-free qualified withdrawals compare to a traditional IRA.

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Pension Calculator

Estimate your annual and monthly pension payout from final average salary, years of service, and accrual rate.

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Retirement Calculator

Project your retirement nest egg and sustainable annual income using the 4% rule and your own savings inputs.

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RMD Calculator

Calculate your Required Minimum Distribution (RMD) from a retirement account using the IRS Uniform Lifetime Table.

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Social Security Calculator

See how claiming Social Security early or late changes your monthly benefit compared to your Full Retirement Age amount.

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Estate Tax Calculator

Estimate federal estate tax owed in 2026 based on estate value, deductions, the exemption amount, and prior taxable gifts.

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Marriage Tax Calculator

Compare tax filing as two singles versus jointly and see whether your combined income creates a marriage penalty or bonus.

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Investment Calculator

Project investment growth to an end amount, or solve backward for the starting amount or monthly contribution a goal requires.

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Mutual Fund Calculator

Project mutual fund growth net of fees, and see exactly how much an expense ratio costs over the long run.

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Average Return Calculator

Calculate CAGR from a beginning and ending value, or compare arithmetic and geometric mean from yearly returns.

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Bond Calculator

Calculate a bond's price and whether it's trading at a premium or discount to face value.

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Budget Calculator

Total your monthly expenses and check your savings rate against the 50/30/20 budgeting rule's 20% target.

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Savings Calculator

Project savings growth, or calculate the monthly deposit needed to reach a savings goal.

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Inflation Calculator

Calculate future purchasing power, or how much a past amount is worth in today's dollars, at any inflation rate.

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College Cost Calculator

Project total college costs across every enrolled year and the monthly savings needed to cover them.

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GDP Calculator

Calculate GDP using the expenditure approach, and each component's share of the total.

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GST Calculator

Add GST to a net price or remove it from a gross price, at any rate — from Canada's 5% to Singapore's 9% to India's multi-slab system.

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Sales Tax Calculator

Add US sales tax to a price, or find the pre-tax price from a total that already includes tax, at any combined rate you enter.

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Salary Calculator

Convert an annual salary into hourly, daily, weekly, biweekly, and monthly pay based on your actual hours, days, and weeks worked.

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Take-Home Paycheck Calculator

Estimate net take-home pay after 2026 federal tax brackets, Social Security, Medicare, and optional state tax and 401(k) contributions.

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House Affordability Calculator

Find the maximum home price you can afford based on income, debts, down payment, and the classic 28/36 debt-to-income rule.

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Rent vs. Buy Calculator

Compare the total cost of renting against the net cost of buying a home over a chosen time horizon, including equity and appreciation.

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Real Estate Calculator

Calculate cap rate, cash-on-cash return, monthly cash flow, and NOI on a rental property purchase in one all-in-one deal calculator.

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Currency Calculator

Convert an amount between two currencies using today's exchange rate, which you enter — no live rate feed, by design.

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Finance Calculator

A time-value-of-money solver: find future value, required payment, or present value from the variables you already know.

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Effective Interest Rate Calculator

Convert a nominal interest rate to its effective annual rate, or the reverse, at any compounding frequency.

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Down Payment Calculator

Calculate a home down payment as a percent or dollar amount, the resulting loan amount, and whether PMI is likely to apply.

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Income Tax Calculator

Calculate 2026 federal income tax, taxable income, and your effective and marginal tax rate by filing status.

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Adjusted Gross Income Calculator

Calculate adjusted gross income (AGI) from your income sources and above-the-line adjustments like IRA and HSA contributions.

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Annual Income Calculator

Convert an hourly, daily, weekly, biweekly, semimonthly, or monthly pay rate into annual, monthly, and weekly income.

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Appreciation Calculator

Estimate an asset's future value from an appreciation rate, or find the rate implied by its starting and ending value.

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APR to APY Calculator

Convert a nominal APR to effective APY, or an APY back to APR, for any compounding frequency.

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APY Calculator

Calculate APY from a nominal rate and compounding frequency, plus the dollar interest a deposit earns in one year.

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Basis Point Calculator

Convert between percent and basis points, and find the dollar impact of a basis-point change on any amount.

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Biweekly Pay Calculator

Calculate biweekly pay from an hourly rate or annual salary, plus its annual and monthly equivalents.

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Bond Price Calculator

Calculate a bond's fair price from its face value, coupon rate, years to maturity, and market yield.

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Bond Yield Calculator

Calculate a bond's current yield and approximate yield to maturity from its face value, coupon rate, and market price.

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CAGR Calculator

Calculate the compound annual growth rate (CAGR) between a beginning and ending value over a number of years.

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Cap Rate Calculator

Calculate net operating income and capitalization rate from rental income, operating expenses, and property value.

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Cash on Cash Return Calculator

Calculate annual cash flow and cash-on-cash return from rental income, expenses, debt service, and cash invested.

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CD Ladder Calculator

Split an investment across up to five CDs with staggered terms and rates, and find the blended annual yield.

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Credit Card Interest Calculator

Calculate a credit card's daily periodic rate, interest for one billing cycle, and estimated annual interest if unpaid.

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Credit Card Payoff Calculator

Calculate credit card payoff time from a fixed payment, or the payment needed to pay off a balance in a set number of months.

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Cross-Price Elasticity Calculator

Calculate cross-price elasticity of demand and see whether two goods are substitutes or complements, using the midpoint method.

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Daily Compound Interest Calculator

Calculate the future value of a principal compounded daily, with an optional daily contribution.

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Debt-to-Equity Ratio Calculator

Calculate the debt-to-equity ratio and debt as a percentage of total capital from total liabilities and shareholders' equity.

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Discounted Cash Flow Calculator

Value a stream of projected cash flows plus a terminal value using a discounted cash flow (DCF) model.

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EAR Calculator

Find the effective annual rate for a nominal rate, including a continuous compounding option, for direct comparison.

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Future Value of an Annuity Calculator

Calculate the future value of a series of equal periodic payments, for ordinary annuities or annuities due.

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Gross Rent Multiplier Calculator

Calculate the gross rent multiplier from property price and annual rent, and find the implied price at a target GRM.

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Hourly to Salary Calculator

Convert an hourly rate into an equivalent annual salary, plus monthly, biweekly, and weekly pay.

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Loan Interest Calculator

Calculate the total interest, monthly payment, and total cost of a fixed-rate loan paid monthly.

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Loan Payment Calculator

Calculate a loan's fixed payment, total paid, and total interest for monthly, biweekly, or weekly payment schedules.

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Loan Payoff Calculator

Calculate months to payoff and total interest on a loan balance, plus the time and interest an extra payment saves.

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LTV Calculator

Calculate loan-to-value ratio from a loan and property value, or the maximum loan for a target LTV.

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Markup Calculator

Calculate selling price and profit from cost and markup percentage, or markup percentage from cost and selling price, with margin shown for comparison.

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Modified Adjusted Gross Income Calculator

Calculate Modified Adjusted Gross Income (MAGI) by adding common add-back items to your AGI.

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Money Weight Calculator

Calculate the total weight in grams, kilograms, and pounds of a stack of US bills or a pile of US coins.

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Monthly Income Calculator

Convert hourly, weekly, biweekly, semimonthly, or annual pay into a monthly income figure.

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Net Effective Rent Calculator

Calculate net effective monthly rent and total savings from a free-rent concession over a lease term.

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Net Operating Income Calculator

Calculate effective gross income, total operating expenses, and net operating income (NOI) for a rental property.

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Net Present Value Calculator

Calculate the net present value (NPV) of an investment from an initial outlay, a discount rate, and yearly cash flows.

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Net Worth Calculator

Calculate your net worth by totaling your assets and liabilities across six categories each.

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Overtime Calculator

Calculate regular pay, overtime pay, and total pay for a pay period from an hourly rate and overtime multiplier.

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Pay Raise Calculator

Calculate your new pay, dollar increase, and percent increase from a raise percentage, new pay, or raise amount.

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PayPal Fee Calculator

Calculate PayPal's fee and your net proceeds from a charge, or the amount to charge for a target net amount.

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Pennies to Dollars Calculator

Convert a count of pennies, nickels, dimes, quarters, half-dollars, and dollar coins into a total dollar value.

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Present Value of an Annuity Calculator

Calculate the present value of a series of equal periodic payments, for ordinary annuities or annuities due.

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Price Elasticity of Demand Calculator

Calculate price elasticity of demand (PED) and see whether demand is elastic, inelastic, or unit elastic, using the midpoint method.

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Price Elasticity of Supply Calculator

Calculate price elasticity of supply (PES) and see whether supply is elastic, inelastic, or unit elastic, using the midpoint method.

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Price Per Square Foot Calculator

Calculate price per square foot from total price and square footage, or total price from a per-square-foot rate.

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Property Management Cost Calculator

Calculate monthly and annual property management costs from rent, management fee, and leasing fee percentages.

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Prorated Rent Calculator

Calculate prorated rent owed for a partial month based on monthly rent and days occupied.

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PTO Calculator

Calculate accrued paid time off and current PTO balance from a starting balance, accrual rate, and hours used.

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PVIFA Calculator

Calculate the present value interest factor of an annuity (PVIFA) for a given rate per period and number of periods.

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Rate of Return Calculator

Calculate the simple and annualized rate of return on an investment, including any income received during the holding period.

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Real Estate Commission Calculator

Calculate total real estate commission, the listing and buyer agent splits, and net proceeds to the seller.

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Rental Property Depreciation Calculator

Calculate annual, monthly, and first-year rental property depreciation using the IRS 27.5-year straight-line schedule.

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Return on Equity Calculator

Calculate return on equity (ROE) from net income and shareholders' equity, using average equity when beginning and ending balances are both entered.

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Rule of 72 Calculator

Estimate years to double an investment from its rate, or the rate needed to double it, with Rule of 70 and 69.3 comparisons.

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Salary to Hourly Calculator

Convert an annual salary into an equivalent hourly rate, plus daily and weekly pay.

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Stock Average Calculator

Calculate your average cost per share across 2 to 5 stock purchase lots.

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Stock Profit Calculator

Calculate stock trade profit or loss and return percentage from buy price, sell price, share count, and commissions.

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Student Loan Payoff Calculator

Calculate your student loan payoff timeline and total interest, compared against the standard 10-year payment.

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Time Value of Money Calculator

Solve for present value, future value, payment, number of periods, or interest rate in any time value of money problem.

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Time-and-a-Half Calculator

Calculate the time-and-a-half pay rate from an hourly rate and multiplier, plus pay for overtime hours worked.

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Unit Price Calculator

Compare two products' price per unit to find which one is the better value.

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WACC Calculator

Calculate weighted average cost of capital (WACC) from the market value of equity and debt, their costs, and the tax rate.

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Yield to Maturity Calculator

Numerically solve a bond's true yield to maturity from its price, coupon rate, and years to maturity.

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