Calculators
Work through the numbers behind a financial decision: what a loan really costs, how long a goal could take, or what inflation does to money that sits still. Each calculator explains what goes in, what comes out, and what the result can and can’t tell you. Everything runs in your browser; nothing you enter is stored or sent.
Saving and growing
Interest, savings goals, emergency funds and what inflation does to your money.
- Compound interest calculatorHow a starting amount and regular contributions could grow, and how much of the result is interest.
- Inflation calculatorWhat today’s costs could become, and what your savings could buy after inflation.
- Savings goal calculatorHow much to save each month to reach a goal on time, or how long it takes at your pace.
- Emergency fund calculatorAn emergency fund target from your essential expenses, and a timeline to build it.
- High-yield savings calculatorThe extra interest you could earn by moving savings to a higher APY.
- CD calculatorInterest at maturity, and what you’d get back if you withdraw early.
- Treasury vs. savings calculatorAfter-tax yields for Treasuries and savings, and the APY savings needs to match.
Debt and loans
Payments, payoff timelines and the real cost of borrowing.
- Debt payoff calculatorA debt-free date, total interest and payoff order, comparing the avalanche and snowball methods.
- Credit card payoff calculatorHow long a card balance takes to clear, the interest it costs, and the payment to finish by a date.
- Loan calculatorMonthly payment, total interest and amortization schedule for a fixed-rate loan, with extra payments.
- Auto loan calculatorA car payment including trade-in, sales tax and fees, and the total cost across loan terms.
- APR calculatorA loan’s APR from its rate, term and upfront fees.
- Debt-to-income ratio calculatorYour DTI and housing ratios, compared with common lender guidelines.
- Car lease vs. buy calculatorLease and loan costs over the lease term, counting what you’d own at the end.
Home buying
Mortgage payments, affordability and the cost of owning a home.
- Mortgage calculatorYour full monthly payment, including taxes, insurance and PMI, plus total interest and extra payments.
- Home affordability calculatorA home price within common lender guidelines, based on your income, debts and down payment.
- Rent vs. buy calculatorWealth from buying versus renting over the years you’d stay, with every major cost included.
- Mortgage refinance calculatorMonthly savings, the months needed to recover closing costs, and the total cost of both loans.
Retirement
How savings and contributions could support your future.
- Retirement calculatorProjected savings at retirement, the income they could support, and the extra saving to reach a goal.
- 401(k) calculatorYour projected 401(k) balance with your contribution rate, employer match and 2026 IRS limits.
- Retirement withdrawal calculatorHow long savings last at a monthly withdrawal, and what lasts a set number of years.
- Financial independence calculatorYears until savings cover your spending, based on your savings rate.
Investing
Returns, fees and steady investing over time.
- Investment fee calculatorHow much expense ratios and advisory fees could reduce your balance over time.
- Investment return (CAGR) calculatorThe steady yearly rate between two values, with total and after-inflation returns.
Income and budgeting
Pay, budgets and where your money goes.
- Net worth calculatorWhat you own minus what you owe, with your debt-to-asset ratio.
- 50/30/20 budget calculatorA simple split of take-home pay into needs, wants and savings, compared with what you spend now.
- Salary to hourly calculatorConvert between hourly, weekly, biweekly, monthly and yearly pay, before taxes.
- Credit card rewards calculatorCompare rewards between two cards after annual fees, and the spending needed to cover a fee.
Business
Pricing, margins and how long the cash lasts.
- Profit margin and markup calculatorGross margin and markup from cost and price, and the price for a target margin.
- Break-even calculatorUnits and sales needed to cover fixed costs, with profit at different volumes.
- Business runway calculatorMonthly burn, months of runway and the date cash would run out.
- Freelance rate calculatorThe hourly rate that matches a salary once unbilled time, costs and taxes are counted.
Calculators use US conventions and give estimates based on the figures you enter. They aren’t financial, tax or legal advice. For today’s rates, see Explore.