Financial Calculators
Free calculators for every money decision — buying a home, paying off debt, growing savings, planning retirement, and estimating taxes. Each one shows its formula and a worked example.
Mortgage & Home
- MortgagePayment with taxes & PMI
- AmortizationPrincipal vs. interest schedule
- Mortgage PayoffSavings from extra payments
- House AffordabilityHome price you can afford
- RefinanceSavings & break-even point
- Down PaymentCash to close
- RentRent you can afford
- Rent vs. BuyWhich is cheaper
- Loan-to-Value (LTV)Ratio, equity & PMI
- Debt-to-Income (DTI)The ratio lenders check
- Property TaxAnnual tax from rate
- Home Equity LoanHow much to borrow
Loans & Debt
- LoanPayment & total interest
- Auto LoanCar payment with tax
- Personal LoanPayment with fees
- Student LoanRepayment cost & timeline
- Credit Card PayoffTime & interest to zero
- Debt PayoffSnowball vs. avalanche
- Debt ConsolidationWould one loan save?
- Car LeasePayment from money factor
- Car AffordabilityBudget from payment
- APRTrue cost with fees
Savings & Investing
- Compound InterestGrowth, any frequency
- Simple InterestI = P × r × t
- SavingsGrowth with deposits
- Savings GoalMonthly amount to target
- CDCertificate earnings & APY
- InvestmentPortfolio growth projection
- ROIReturn & annualized return
- CAGRCompound annual growth
- Future ValueWhat money becomes
- Present ValueToday's worth of money
- DividendIncome with reinvestment
- Emergency FundYour safety-net number
- InflationPurchasing power over time
- College SavingsMonthly 529 savings