Financial Calculators
Free calculators for the money decisions Americans make most often — buying a home, borrowing, paying taxes, saving and investing. Pick a category below or jump to a calculator.
Mortgage & Real Estate
Monthly payments, affordability, refinancing and the rent-or-buy decision.
- Mortgage Calculator Monthly house payment (PITI) with taxes, insurance, PMI, HOA and extra payments.
- House Affordability Calculator Maximum home price you can afford based on income, debts and DTI rules.
- Amortization Calculator Month-by-month amortization schedule with extra payments.
- Refinance Calculator New payment, monthly savings and break-even month for a mortgage refinance.
- Rent vs. Buy Calculator Net cost of renting versus buying a home over your time horizon.
- Debt-to-Income (DTI) Ratio Calculator Front-end and back-end DTI ratio compared with lender limits.
- Mortgage Payoff Calculator Extra payments, interest saved and early payoff date.
- Home Equity Loan Calculator Borrowing limit, fixed payment and total interest on a home equity loan.
- HELOC Calculator HELOC limit, draw-period payment, repayment payment and total interest.
- VA Loan Calculator VA loan payment with funding fee, no PMI, property tax and insurance.
- FHA Loan Calculator FHA payment with upfront and annual MIP, property tax and insurance.
- Closing Cost Calculator Buyer closing costs, prepaids and total cash to close.
- Property Tax Calculator Annual and monthly property tax from value and rate, with state averages.
- Cash-Out Refinance Calculator Cash available, new loan and payment for a cash-out refinance.
Loans & Debt
Car loans, personal loans, payments, interest rates and paying off debt.
- Loan Calculator Payments and interest for amortized loans, deferred loans and bonds.
- Auto Loan Calculator Monthly car payment with sales tax, fees, trade-in and rebates.
- Payment Calculator Monthly payment for a fixed term, or payoff time for a fixed payment.
- Interest Rate Calculator The real interest rate of a loan from its amount, payment and term.
- Credit Card Payoff Calculator Months to pay off a credit card and the interest you will pay.
- Student Loan Calculator Student loan payment, interest and extra-payment payoff.
- APR Calculator Loan APR including fees and points versus the interest rate.
Investing & Retirement
Compound growth, investment returns, retirement savings, 401(k) and inflation.
- Compound Interest Calculator Growth of savings with compounding and regular contributions.
- Investment Calculator Future value of an investment, or what you need to reach a goal.
- Interest Calculator Interest earned with deposits, taxes and inflation; simple vs. compound.
- Retirement Calculator Retirement savings target, on-track check and sustainable withdrawals.
- 401(k) Calculator 401(k) balance at retirement with employer match and 2026 limits.
- Finance Calculator (TVM) Solve for FV, PV, PMT, N or I/Y like a financial calculator.
- Inflation Calculator Buying power of the dollar since 1913 using official CPI data.
- Savings Calculator Savings growth with deposits, or time to a goal.
- CD Calculator CD interest and ending balance from rate or APY.
- Simple Interest Calculator Simple interest, principal, rate or time.
- Roth IRA Calculator Roth IRA balance at retirement with 2026 limits.
- APY Calculator APR to APY conversion and interest earned on a deposit.
Taxes & Income
2026 federal and state income tax, take-home pay, salary conversion and sales tax.
- Income Tax Calculator 2026 federal and state income tax, effective rate and refund estimate.
- Paycheck Calculator Take-home pay per paycheck after 2026 federal, state and FICA taxes.
- Salary Calculator Convert pay between hourly, weekly, monthly and annual amounts.
- Sales Tax Calculator Price before/after sales tax with 2026 rates for every state.
- No Tax on Overtime Calculator Federal deduction and tax savings on qualified overtime pay (2025–2028).
- No Tax on Tips Calculator Federal deduction and tax savings on qualified tips (2025–2028).
- Capital Gains Tax Calculator 2026 federal tax on short- and long-term gains, including the home-sale exclusion.
- Budget Calculator Monthly budget planner with the 50/30/20 rule and national spending benchmarks.
- Bonus Tax Calculator Withholding and take-home pay on a bonus (supplemental wages).
- Self-Employment Tax Calculator Self-employment tax, income tax and quarterly estimated payments on 1099 and freelance income.
- Payroll Calculator Employee net pay plus employer payroll taxes and total cost of an employee.
- Overtime Calculator Overtime pay at 1.5x or 2x and weekly gross pay.
- Pay Raise Calculator New salary and pay after a percentage or dollar raise.
State-by-state tools and 2026 figures
Taxes and housing costs vary a lot by state. See 2026 sales tax rates by state, state income tax calculators, paycheck calculators for every state and mortgage calculators with local property tax rates. The official numbers behind them are on 2026 tax numbers.
Also see: Health & Fitness CalculatorsEveryday & Math Calculators.