Finance Calculators

🏠 Mortgage CalculatorMonthly payment, amortization table, and total interest 🔄 Refinance CalculatorBreak-even point and lifetime interest savings 🏡 Home Affordability CalculatorMax home price by DTI rules, plus cash needed at closing 💰 HELOC CalculatorHELOC borrowing limit, payments, and your home equity and LTV 🏦 Down Payment CalculatorSavings timeline to reach your down payment goal 📋 Amortization ScheduleFull month-by-month loan payment table 🛡️ PMI CalculatorMonthly PMI cost and when it drops off at 80% LTV 🛡️ PMI Removal CalculatorWhen you can cancel PMI and how much you save by acting early 📉 Mortgage Points CalculatorBreakeven and savings from buying down your rate 📅 Biweekly Mortgage CalculatorYears saved and interest savings vs monthly payments ⏩ Extra Mortgage Payment CalculatorYears and interest saved by paying extra each month 🏠 Rent vs. Buy CalculatorNet worth comparison — breakeven year and 10-yr outcome 🏦 Closing Cost CalculatorItemized buyer closing costs with negotiable vs. fixed labels ⚖️ Mortgage Comparison CalculatorCompare two offers, including 15- vs 30-year terms, by true APR and total cost 🏦 FHA vs Conventional CalculatorSide-by-side cost comparison by credit score and down payment ⚖️ ARM vs. Fixed-Rate Mortgage CalculatorPayment at each rate adjustment and total interest vs a fixed loan 📊 Credit Score Mortgage Rate CalculatorSee how your credit score affects rate and total interest 💰 Home Equity Loan vs HELOC CalculatorSide-by-side cost comparison of fixed loan vs revolving credit line 🏛️ Jumbo Loan CalculatorExtra cost of a jumbo mortgage vs a conforming loan 💸 Cash-Out Refinance CalculatorCash available, new payment and cost per dollar borrowed

💳 Loan CalculatorMonthly payment for a loan, or how much you can borrow for a payment 🚗 Auto Loan CalculatorCar payment, total cost, and dealer financing comparison 🔁 Auto Loan Refinance CalculatorMonthly savings, break-even months, and net interest saved 🚙 Car Affordability CalculatorPrice you can afford and 5-year cost of ownership 📐 APR CalculatorTrue annual percentage rate including fees 💰 Personal Loan CalculatorMonthly payment, total interest by credit score, vs credit card 🎓 Student Loan CalculatorMonthly payment, total interest, and payoff date 💸 Debt Payoff CalculatorAvalanche vs snowball method comparison 💳 Credit Card Payoff CalculatorTime and interest to pay off your balance ❄ Debt Avalanche vs Snowball CalculatorSide-by-side payoff plan — interest saved and months to debt-free 🔀 Debt Consolidation CalculatorCompare consolidation loan vs. current debts 🔁 Balance Transfer CalculatorInterest saved after the transfer fee and promo period 📊 Debt-to-Income CalculatorFront- and back-end DTI checked against conventional, FHA, VA and USDA limits 📈 Credit Score Improvement CalculatorUtilization paydown impact and estimated score range gain

🏦 Retirement CalculatorNest egg projection and monthly savings needed 💼 401(k) CalculatorBalance growth with employer match over time 🌱 Roth IRA CalculatorTax-free growth projection to retirement 🔀 Roth vs. Traditional CalculatorAfter-tax value of Roth vs pre-tax contributions 🔄 Roth Conversion CalculatorTax cost, breakeven, and after-tax value vs. traditional IRA 💰 Catch-Up Contribution CalculatorExtra 401k & IRA savings at 50+, including SECURE 2.0 super catch-up 📋 RMD CalculatorRequired minimum distribution from IRS table 🛡️ Social Security CalculatorMonthly benefit at 62, 67, or 70 — with breakeven 👫 Spousal Social Security CalculatorHousehold SS income, spousal benefit, survivor benefit at different ages 💸 Retirement Withdrawal CalculatorHow long savings last, or the most you can withdraw for N years 💵 Retirement Income CalculatorPortfolio, Social Security and pension income vs planned spending 🔐 Safe Withdrawal Rate CalculatorHow long your portfolio lasts at 3%, 4%, or 5% withdrawal 📊 Sequence of Returns CalculatorEarly bear vs. early bull — how return order wrecks portfolios 📋 Retirement Tax CalculatorSS taxation, bracket room for Roth conversions, and IRMAA thresholds 📅 72(t) SEPP CalculatorPenalty-free IRA withdrawals before 59½ — all three IRS-approved methods 🏥 Healthcare in Early Retirement CalculatorCOBRA vs ACA costs and subsidy estimate from retirement to Medicare at 65 🏥 Medicare Cost CalculatorPart B, Part D, Medigap or Advantage and IRMAA surcharges 💼 Part-Time Work in Retirement CalculatorHow part-time income extends portfolio longevity — years gained comparison ⚖️ Pension vs. Lump Sum CalculatorBreak-even age and value of pension payments vs a payout 📆 Annuity CalculatorPresent and future value of periodic payments 🎯 FIRE Number CalculatorFinancial independence target and years to reach it 🩺 HSA CalculatorHSA balance at retirement and years of health costs it covers

📈 Compound Interest CalculatorFuture value of a lump sum plus regular contributions 📊 Investment Return CalculatorROI, annualized return, and real return after inflation 📊 Stock Return CalculatorTotal return, CAGR, and dividends for any position 📊 CAGR CalculatorCompound annual growth rate between two values 📐 Rule of 72 CalculatorYears to double money at a given interest rate 📈 Dollar-Cost Averaging CalculatorMonthly investment growth with year-by-year chart ⚡ Lump Sum vs. DCA CalculatorCompare investing all at once vs. spreading over months 💰 Windfall Investment CalculatorLump sum vs. DCA comparison, opportunity cost, and tax-efficient deployment order 🥧 Asset Allocation CalculatorStock, bond and cash mix by age, risk tolerance and timeline ⚖️ Portfolio Rebalancing CalculatorDrift analysis and buy/sell action table 📊 Sector Diversification CalculatorCompare your sector weights to S&P 500 benchmark and get a concentration risk score 🌍 International Allocation CalculatorHome bias score, geographic allocation vs. global market weights, and scenario comparison 📊 Index Fund CalculatorDollar cost of expense ratio drag — low-cost vs high-cost fund ⚖ ETF vs Mutual Fund CalculatorCompare expense ratio and tax drag over 10–30 years 💸 Investment Fee CalculatorTrue dollar cost of expense ratios over 10–30 years 🔄 Dividend Reinvestment CalculatorDRIP growth in shares and income, yield on cost vs taking cash 💹 Dividend Yield CalculatorStock yield, annual income, and yield-on-cost projection 💰 Investment Income CalculatorMonthly income a portfolio produces, or the portfolio a target needs 📜 Bond Yield CalculatorCurrent yield and yield to maturity from price and coupon 🏛️ Tax-Equivalent Yield CalculatorTaxable yield that matches a tax-free municipal bond 🏦 CD CalculatorInterest and final balance by APY, term and compounding 🧾 Capital Gains Tax CalculatorShort- vs long-term tax on a sale and net proceeds 💸 Tax-Loss Harvesting CalculatorTax saved by offsetting gains with losses — with carryforward 📊 P/E Ratio CalculatorPrice-to-earnings vs sector averages, PEG ratio, and implied fair value 📚 Price-to-Book CalculatorP/B ratio, Graham Number, and ROE-implied fair value 📈 EPS Growth CalculatorProject future earnings per share and implied stock price at exit P/E 🔍 Stock Intrinsic Value CalculatorDCF and Graham Number valuation for any stock 📉 Inflation CalculatorCPI-based purchasing power change, and whether your savings kept up

🐷 Savings Goal CalculatorMonthly amount needed to hit your target 🛡️ Emergency Fund Calculator3–6 month expense buffer and savings timeline 🐷 Sinking Fund CalculatorMonthly savings needed to reach a goal by target date 📊 50/30/20 Budget CalculatorSplit income into needs, wants, and savings 🗂️ Monthly Budget CalculatorIncome vs spending by category, surplus or shortfall 💎 Net Worth CalculatorAssets minus liabilities, with a projection of future growth 🔢 Simple Interest CalculatorInterest = principal × rate × time 🎓 College Savings CalculatorMonthly savings needed to reach a college fund goal 💍 Wedding Budget CalculatorCategory-by-category wedding budget breakdown by guest count 👶 Childcare Cost CalculatorTrue net childcare cost after FSA and Dependent Care tax credit 🛡️ Life Insurance CalculatorCoverage needed with the DIME and income-replacement methods 🛡️ Disability Insurance CalculatorCoverage gap, savings runway, and estimated premium for LTD

🧾 Tax Bracket & Income Tax CalculatorMarginal and effective rate, total tax, and refund or amount due 💵 Take-Home Pay CalculatorNet pay per paycheck and per year after federal tax and FICA 🏢 Self-Employment Tax CalculatorSE tax, deduction, and quarterly payment amounts 💼 Side Hustle Tax CalculatorTotal tax, quarterly payments, and take-home from 1099 income 🏷️ Sales Tax CalculatorAdd sales tax to a price or reverse-calculate it 📅 Salary ⇄ Hourly CalculatorConvert salary to hourly or hourly to salary, with overtime ⚖️ Salary Comparison CalculatorCompare two job offers side by side after tax ⏱️ Overtime CalculatorOT pay at 1.5× and total weekly earnings 📈 Pay Raise CalculatorWhat a raise adds to take-home pay after tax