Financial Calculators

Full monthly payment breakdown — principal, interest, taxes, insurance, PMI, and HOA.

See exactly how each payment splits between principal and interest, month by month.

A lean amortization-only view of a mortgage, with a monthly/annual schedule and extra-payment savings.

Semi-annual compounding, CMHC insurance, and bi-weekly payment options for a Canadian mortgage.

Repayment or interest-only payments plus a full Stamp Duty Land Tax breakdown.

Find your new payoff date and interest saved by adding extra principal payments.

Estimate your borrowing limit and fixed monthly payment against your home's equity.

Model draw-period interest and repayment-period payments on a home equity line of credit.

Work backward from income and monthly budget to a realistic home price range.

Weigh a new rate and closing costs against your current loan to find your break-even point.

See how different down payment amounts change your loan size, PMI, and payment.

Compare the true long-run cost of renting against owning in your market.

Cap rate, cash-on-cash return, and appreciation estimates for a property purchase.

Project net cash flow and ROI on a rental after expenses, vacancy, and financing.

Roll fees and points into your rate to see the true annual cost of a loan offer.

Payment and mortgage-insurance premium estimates for a government-backed FHA loan.

Estimate a VA loan payment, including the funding fee, for eligible service members.

Check your DTI against typical lender thresholds before you apply for financing.

A quick rule-of-thumb figure for rent you can comfortably afford on your income.

Monthly payment and total interest for a new or used car loan.

Estimate a monthly lease payment from residual value, money factor, and term.

Run the numbers on a manufacturer rebate versus a discounted financing rate.

Watch a balance grow with regular contributions and compounding over time.

Project a portfolio's future value from a starting balance, return rate, and contributions.

Estimate growth on lump-sum or SIP-style mutual fund investing, net of expense ratio.

Find out how much a regular savings habit adds up to by a target date.

Compare simple and compound interest side by side on the same deposit.

Straight-line interest on a principal, rate, and time — no compounding.

Solve for the rate needed to turn a starting amount into a target amount.

Maturity value of a certificate of deposit given its term and APY.

Price, yield, and coupon income on a fixed-income bond investment.

Return on investment as a percentage, from cost and current or exit value.

Internal rate of return across a series of uneven cash flows over time.

What a future lump sum or cash-flow stream is worth in today's dollars.

Project today's savings and contributions forward to a target date.

Arithmetic and geometric average annual return across multiple periods.

Project your nest egg and check it against your target retirement income.

Model contributions, employer match, and growth of a 401(k) balance over your career.

Tax-free growth projections for a Roth IRA based on annual contributions.

Compare traditional IRA growth and the tax deduction against your contribution limit.

Estimate a monthly benefit based on earnings history and the age you start claiming.

Estimate a defined-benefit pension payout from years of service and final salary.

Accumulation-phase growth on a fixed or variable annuity contract.

Convert an annuity balance into a projected stream of periodic payments.

Required minimum distribution from a retirement account, based on IRS life-expectancy tables.

Estimated federal tax liability and effective rate based on income and filing status.

Convert between hourly, weekly, monthly, and annual pay in one step.

Net pay after estimated federal tax, FICA, and common payroll deductions.

Add or back out sales tax from a purchase price at any local rate.

Add or extract value-added tax from a gross or net price.

Compare combined tax filed jointly against filing separately as two single incomes.

Rough estimate of federal estate tax exposure above the current exemption threshold.

Monthly payment and total cost for any fixed-term personal or installment loan.

Solve for payment, loan amount, rate, or term — whichever one you're missing.

See how long a balance takes to clear at your card's minimum payment.

A payoff timeline across several cards using the avalanche or snowball method.

How much faster a fixed extra payment clears any single debt balance.

Compare several balances combined into one loan against your current total payment.

Payment and interest cost on an unsecured personal loan at any term.

Standard repayment schedule and total interest across your student loan term.

Compare repayment plans side by side to see the effect on total interest paid.

Payment and amortization for a term loan used to finance a business.

Monthly payment estimate for financing a boat over a chosen loan term.

Project total tuition and living costs across four years, adjusted for inflation.

Convert between currencies using a rate you enter, with rounding built in.

See what a past or future dollar amount is worth after years of inflation.

A general-purpose time-value-of-money solver for payment, rate, or present value.

Straight-line or declining-balance depreciation schedule for any asset.

Gross margin, markup percentage, and profit from cost and selling price.

How long an investment takes to repay its initial cost from its cash flows.

Final price and amount saved after applying a percentage-off discount.

Sale prices, reverse-solve a discount rate, or apply one flat discount across a whole shopping list.

Commission earned from a sale amount and a flat or tiered commission rate.

Split monthly income across needs, wants, and savings using the 50/30/20 rule.

Car lease payment from MSRP, residual value, and money factor, plus a mileage-overage estimator.