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Financial Calculators for Loans, Mortgages, Tax & Investing

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Financial planning tools

Choose a tool to estimate payments, compare borrowing options, plan savings or explore taxes and retirement.

Browse 108 tools grouped by the decision you need to make. Open a tool to review its inputs, formula and assumptions alongside the result.

108financial tools
9focused groups
Privatemost calculations run locally

Borrowing and debt

15 tools

Compare credit costs, repayment strategies and the true cost of borrowing.

Balance Transfer CalculatorWeigh transfer fees and promotional periods against interest saved.Car Depreciation CalculatorExplore how a car's estimated value may change over time.BNPL True Cost CalculatorCheck whether installment fees and terms change a buy now, pay later offer.Car Lease Payment CalculatorEstimate lease payments using the vehicle price and lease terms.Debt Avalanche CalculatorPrioritize higher-rate debts and compare a payoff path.Credit Card Payoff CalculatorEstimate the time and total interest needed to repay a card balance.Debt Consolidation CalculatorCompare one combined debt payment with the existing debts and fees.Debt Payoff Calculator (Snowball Method)Plan a snowball payoff by ordering balances and estimating payments.Interest Rate CalculatorSolve for the interest rate implied by a loan's amounts and term.Debt-to-Income Ratio CalculatorCompare monthly debt payments with income using a consistent basis.Lease vs. Buy Auto CalculatorCompare the expected costs of leasing a car and buying it.Chapter 7 Means Test CalculatorReview the income and expense inputs used in a Chapter 7 means test.Payday Loan Cost Calculator (True APR)Translate short-term loan charges into a more comparable borrowing cost.Student Loan CalculatorEstimate student loan payments and the cost across a repayment term.Amortization Schedule CalculatorSee how loan payments split between interest and principal over time.

Home and mortgages

20 tools

Plan a purchase, mortgage, refinance, rental decision or property investment.

Biweekly Mortgage Payment CalculatorCompare a biweekly payment schedule with a standard mortgage schedule.Closing Cost CalculatorEstimate upfront closing costs alongside the purchase price.Cash-Out Refinance CalculatorCompare cash received with the new loan balance and payment.Down Payment CalculatorEstimate a down payment amount and its share of a home price.Construction Loan CalculatorEstimate financing costs during a construction project.DSCR Loan CalculatorCompare property income with debt service for a DSCR loan scenario.FHA Mortgage Calculator (with MIP)Estimate an FHA mortgage payment with mortgage insurance in view.HELOC CalculatorExplore payments and interest for a home equity line of credit.Home Affordability CalculatorCompare a target home price with income, debts and housing costs.Home Equity CalculatorEstimate home equity from property value and the remaining loan balance.Interest-Only Mortgage CalculatorSee the payment pattern and remaining balance of an interest-only loan.Mortgage Payoff Calculator (Extra Payments)Estimate how extra payments could change payoff time and interest.Mortgage Points Break-Even CalculatorCompare the upfront cost of mortgage points with potential savings.PITI CalculatorCombine principal, interest, taxes and insurance into a housing estimate.PMI CalculatorEstimate mortgage insurance alongside the rest of a home payment.Real Estate ROI Calculator (Cap Rate & Cash-on-Cash)Compare property returns using cap rate and cash-on-cash measures.Refinance CalculatorCompare a new mortgage's payment, closing costs and break-even period.Rent Increase CalculatorCalculate a proposed rent increase as a value and percentage.Rent vs. Buy CalculatorCompare rent and ownership costs under stated assumptions.Home Value Appreciation CalculatorCompare projected home value growth with inflation-adjusted gains.

Saving and investing

14 tools

Model growth, purchasing power, returns, deposits and long-term wealth.

APY CalculatorConvert a stated savings rate to annual percentage yield.CAPM Calculator (Capital Asset Pricing Model)Explore expected return using the CAPM inputs and assumptions.CD Calculator (Certificate of Deposit)Estimate certificate of deposit growth over a chosen term.Dividend Yield CalculatorCompare annual dividends with the share price to estimate yield.Dollar Cost Averaging CalculatorModel recurring investments at different prices over time.DRIP Calculator (Dividend Reinvestment)Estimate dividend reinvestment and its potential effect on growth.Emergency Fund CalculatorSet a savings target using essential expenses and months of cover.Gold Calculator: Live Price, Purity & What Dealers PayEstimate gold value using weight, purity and the price input shown.Inflation CalculatorCompare past and future amounts using an assumed inflation rate.Net Worth CalculatorSubtract liabilities from assets to estimate net worth.Rule of 72 Calculator: Doubling Time and Exact CheckApproximate doubling time and compare it with an exact calculation.Simple Interest CalculatorCalculate interest without compounding for a stated principal and term.Time Value of Money CalculatorCompare amounts at different dates using a chosen discount rate.College Tuition Cost EstimatorCompare the published tuition price with an estimated net cost after aid.

Retirement planning

10 tools

Estimate contributions, future income and retirement-account decisions.

401(k) Calculator with the Match Timing Trap ShownExplore 401(k) growth and how employer matching timing affects it.Annuity CalculatorEstimate payments or value for an annuity under stated assumptions.Coast FIRE CalculatorCheck the savings level needed to let investments grow toward a target.FIRE CalculatorCompare savings rate, portfolio target and projected retirement timing.NPS Calculator - National Pension SystemEstimate contributions and maturity for India's National Pension System.RMD CalculatorEstimate a required minimum distribution using the inputs supported.Roth IRA CalculatorProject Roth IRA growth using contributions, time and assumptions.Roth IRA Conversion CalculatorCompare conversion amounts and the related planning assumptions.Settlement Present Value CalculatorDiscount future settlement payments to an estimated present value.Superannuation Calculator - Super GuaranteeEstimate Australian super contributions and long-term growth.

Tax, benefits and giving

11 tools

Explore tax estimates, deductions, benefits and giving obligations.

1031 Exchange Boot CalculatorEstimate taxable boot in a 1031 exchange scenario.Capital Gains Tax CalculatorEstimate a capital gain and explore tax assumptions for the relevant region.Car Loan Interest Deduction CalculatorReview eligibility and estimated savings from the stated car loan deduction.HSA CalculatorEstimate HSA contributions, balance growth and withdrawals.NIIT Calculator - Net Investment Income TaxEstimate net investment income tax using the applicable inputs.No Tax on Overtime Calculator (2025-2028)Explore a planning scenario for the overtime deduction shown in the tool.No Tax on Tips Calculator (2025-2028)Explore a planning scenario for the tips deduction shown in the tool.Senior Bonus Deduction CalculatorEstimate a senior deduction using the tool's eligibility inputs.VAT Calculator: 60 Countries, Forwards and BackwardsAdd or remove VAT from a price using a chosen country and rate.VA Disability CalculatorEstimate a VA disability amount using the selections available in the tool.Zakat CalculatorEstimate zakat on qualifying assets using the tool's inputs.

Regional finance and payroll

17 tools

Use country-specific tools for pay, pensions, property taxes and transfers.

Austria Take-Home Pay CalculatorEstimate Austrian net pay after the deductions included in the tool.EMI Calculator - Home, Personal & Car LoanEstimate an equated monthly installment for a selected loan amount and term.German Social Security Calculator (Sozialversicherung)Estimate German social insurance contributions from pay details.Grunderwerbsteuer Calculator (Germany & Austria)Estimate German or Austrian property transfer tax from a purchase price.IBAN ValidatorCheck an IBAN's structure and check digits before using it.PF Calculator - EPF Contribution & MaturityEstimate EPF contributions and a projected maturity balance.RERA Rent Increase Calculator (Dubai)Check an estimated Dubai rent increase against selected RERA inputs.RRSP Contribution Room CalculatorEstimate available Canadian RRSP contribution room from supplied figures.SIP Calculator - Systematic Investment PlanProject recurring SIP investments over a selected period.Swiss Social Security Calculator (AHV/ALV/BVG)Estimate Swiss AHV, ALV and BVG deductions from pay details.TFSA Contribution Room CalculatorEstimate available TFSA contribution room from supplied figures.UAE End of Service Gratuity CalculatorEstimate UAE end-of-service gratuity using service and salary inputs.UK Stamp Duty Calculator (SDLT)Estimate UK stamp duty using property and buyer details.UK Take-Home Pay CalculatorEstimate UK take-home pay after the deductions shown in the tool.CRA Payroll Deductions Calculator (Federal)Estimate Canadian federal payroll deductions for a pay period.HECS-HELP Repayment CalculatorEstimate repayments for an Australian HECS-HELP balance.Pay Raise CalculatorSee a new salary and compare the raise with inflation.

Insurance and protection

3 tools

Estimate protection needs, subsidies and financial protection.

Disability Insurance Needs CalculatorEstimate coverage needs from income, expenses and existing protection.Life Insurance Calculator - DIME MethodExplore life insurance needs through debts, income, mortgage and education.ACA Health Insurance Subsidy CalculatorEstimate an ACA subsidy using household and coverage inputs.

Trading, forex and crypto

7 tools

Evaluate position risk, currency exposure and digital-asset outcomes.

Crypto Profit CalculatorEstimate crypto trade profit after the price and cost inputs supplied.Impermanent Loss CalculatorCompare a liquidity position with holding assets outside a pool.Forex Pip Value CalculatorConvert a forex price move into a pip value for a trade size.Position Sizing CalculatorEstimate position size from account risk and stop distance.Exchange Rate Markup CalculatorCompare a provider rate with a reference rate and see the hidden FX cost.Freelance Platform Fee ComparisonCompare platform, payout and currency conversion fees for freelance work.International Freelancer Net Pay CalculatorWork out net pay after platform, processor, exchange and project costs.
Using the collection

Choose and use the right financial tool

1

Start with the decision

Choose the tool matching your question: affordability, payment, total cost, future value, tax estimate or risk. Use the home affordability tool before comparing specific mortgages.

2

Check inputs and assumptions

Use the same currency and time period. Review compounding, fees, taxes, inflation and regional rules. Small changes can materially alter long-term results.

3

Compare scenarios

Test conservative, likely and higher-cost or lower-return cases. Results are estimates, and changing rates, taxes, fees or market assumptions can materially affect them.

Frequently asked questions

Quick answers to help you choose a tool and understand its estimate.

Which financial tool should I use first?

Start with your decision. To understand your monthly position, try the budget calculator. Before shopping for a home, try home affordability; to compare borrowing offers, use the APR calculator.

Why can two tools give different results?

They may use different payment dates, compounding periods, fees, tax assumptions or rounding. Compare the inputs and calculation notes, then enter the same assumptions in both tools.

Do the results include taxes and fees?

That depends on the tool and the inputs you choose. For example, the PITI calculator includes major housing cost categories, while the loan calculator helps you examine borrowing costs. Review each tool's inputs before comparing totals.

Can I use these tools outside the United States?

General calculations can work across currencies when you keep all amounts consistent. Tax, benefits, property and payroll tools depend on location and rules; choose a regional tool where available and check the assumptions shown.

How current are tax or market estimates?

Rules, rates and prices may change. Check the date and source shown in the individual tool, and enter a current rate or figure when that option is available.

Are the results financial advice?

No. They are estimates for planning and comparison. For a major decision, check current lender terms, official rules or a qualified professional as appropriate.

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