Calculate mortgages, loans, savings, retirement, paychecks, income tax, and credit card payoff.
Finance calculators help you make confident decisions about buying a home, financing a vehicle, eliminating debt, estimating take-home pay, planning taxes, and growing savings. Whether you are comparing loan offers, estimating what you can afford, projecting investment growth, or checking how deductions affect a paycheck, these tools give you real numbers to work with before you commit to anything.
Estimate your monthly mortgage payment including PITI and PMI.
Open calculator →Calculate monthly payments and total cost for any loan.
Open calculator →Estimate your monthly car payment before you buy.
Open calculator →See how long to pay off your credit card debt.
Open calculator →See how your savings grow with regular contributions and compound interest.
Open calculator →See the power of compound interest on any investment over time.
Open calculator →Estimate how much home you can afford based on income and DTI.
Open calculator →Estimate how much car you can afford before you shop.
Open calculator →Calculate your true monthly car payment including tax and fees.
Open calculator →Project retirement savings and monthly income estimate.
Open calculator →Project 401(k) balance with employer match and contribution breakdown.
Open calculator →Convert annual salary to hourly rate and vice versa.
Open calculator →Estimate net pay after federal tax, FICA, and deductions.
Open calculator →Estimate federal income tax, taxable income, and marginal bracket.
Open calculator →See how inflation erodes purchasing power over time.
Open calculator →Find your emergency fund target and track progress.
Open calculator →Convert APR to APY for any compounding frequency.
Open calculator →Calculate CD returns and interest earned by maturity.
Open calculator →Convert hourly pay to annual salary and all pay periods.
Open calculator →Project Roth IRA balance and tax-free retirement income.
Open calculator →Calculate refinance savings and break-even time.
Open calculator →Calculate interest saved by making extra mortgage payments.
Open calculator →Find your debt-free date and total interest cost.
Open calculator →Calculate student loan payments and total interest.
Open calculator →Buying a home: start with the House Affordability Calculator to find your price range, then use the Mortgage Calculator to see your monthly PITI payment. Considering a refinance: use the Refinance Calculator to compare your current rate against a new offer and find the break-even point. Paying down debt faster: use the Extra Mortgage Payment Calculator to see how extra principal payments reduce interest and time. Financing a vehicle: use the Car Affordability Calculator to find your budget, then the Car Payment Calculator for your exact monthly cost including tax and fees. Managing debt: use the Debt Payoff Calculator for credit card and personal loan payoff, and the Student Loan Calculator for fixed-rate repayment schedules. Estimating pay: use the Salary to Hourly Calculator for gross pay comparisons, then the Paycheck Calculator for simplified take-home pay. Planning taxes: use the Income Tax Calculator for a conservative federal estimate. Building savings: use Savings, Compound Interest, Retirement, 401(k), Roth IRA, Emergency Fund, APY, CD, and Inflation calculators for longer-term planning.
The home-buying process involves two distinct math problems. First: how much house can you afford? The House Affordability Calculator answers this by analyzing your gross income, existing debts, down payment, and current interest rates against standard debt-to-income (DTI) thresholds. The most common guideline is that housing costs should not exceed 28% of gross monthly income (front-end DTI) and all debts combined should not exceed 43% (back-end DTI). Second: what will your monthly payment actually be? The Mortgage Calculator computes your principal-and-interest payment and optionally adds property tax, homeowners insurance, PMI, and HOA fees to show a complete PITI estimate. Use both together to go from 'can I afford this market?' to 'what will this specific house actually cost per month?'
Three calculators cover vehicle financing from different angles. The Car Affordability Calculator answers 'how much car can I afford?' — it applies the 15%-of-income rule and DTI caps to calculate a maximum vehicle price before you visit a dealership. The Auto Loan Calculator answers 'what will my payment be on this loan?' given a specific financed amount, rate, and term. The Car Payment Calculator goes furthest: it starts with the vehicle's sticker price, adds sales tax and dealer fees, subtracts your down payment and trade-in, then amortizes the remainder — producing your true monthly out-the-door cost. Knowing these numbers before you negotiate puts you in a much stronger position.
The Credit Card Payoff Calculator reveals the true cost of carrying a balance. On a $5,000 balance at 24% APR, paying only $150 per month results in more than $2,000 in total interest and takes over four years to pay off. Increasing the payment to $250 per month cuts both the interest paid and the time in half. The Debt Payoff Calculator applies the same analysis to any fixed-rate installment loan — personal loans, student loans, or home equity lines — and also lets you model the snowball method (smallest balance first) against the avalanche method (highest APR first). The Student Loan Calculator focuses specifically on fixed-rate student loan repayment, showing monthly payment, total interest paid, and how extra monthly payments reduce the total cost. These calculators assume standard fixed-rate amortization; federal student loan income-driven repayment, deferment, and forgiveness programs are not modeled — contact your loan servicer for program-specific estimates.
The Refinance Calculator compares your current mortgage against a new loan offer. It computes the monthly payment difference, total interest difference, closing cost impact, and the critical break-even point — how many months until the cumulative monthly savings offset the upfront closing costs. A refinance that saves $200 per month but costs $6,000 to close breaks even at 30 months. If you plan to sell or move before that, refinancing may not be financially beneficial. The Extra Mortgage Payment Calculator complements this by showing how incremental extra principal payments — monthly, annual, or a one-time lump sum — reduce total interest and shorten your payoff timeline. Even an extra $100 per month on a 30-year mortgage can save tens of thousands of dollars in interest.
The Savings Calculator projects how a starting balance grows when you add regular monthly contributions over time — useful for modeling emergency funds, home down payment savings, or any goal with a timeline. The Compound Interest Calculator focuses on how compounding frequency (daily, monthly, annually) and rate interact over long periods. Both tools illustrate the most important financial principle: time is more valuable than contribution size. Saving $300 per month from age 25 to 65 at 7% return produces nearly $800,000. Starting the same plan at age 35 produces about $380,000 — less than half — for identical total contributions. The 10-year head start is worth more than any rate improvement.
Amortization is the process where each fixed payment covers interest first, then principal. In a 30-year mortgage, roughly 80% of your first payment is interest; by the final payment, nearly all of it is principal. DTI (debt-to-income ratio) is your monthly debt payments divided by your gross monthly income — lenders use this to decide how much you can borrow. APR includes the interest rate plus origination fees and gives a more accurate cost-of-borrowing comparison between lenders. PMI (private mortgage insurance) is required on most loans with less than 20% down and adds roughly $50–200/month to your payment. The Rule of 72 offers a quick estimate of investment doubling time: divide 72 by your annual return rate to find the approximate years to double your money.