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.
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.
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.
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).
State-by-state tools
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.