Money questions, answered with the working shown
Financial calculators turn money questions into numbers you can act on. What will this mortgage actually cost over 30 years? How much sooner could a credit card balance be gone if you paid a little extra each month? Is the refinance worth it once the fees are counted? Each tool on this page answers one of those questions with the full working shown, so you can check the result instead of taking it on trust.
Start with the decision in front of you. Home buyers usually begin with the mortgage calculator and the house affordability calculator, then test the refinance calculator against their current loan. Borrowers comparing a car or a personal loan can run the same amount through the auto loan and payment calculators and see how the rate and the term change the total cost, not just the monthly figure. Anyone carrying a balance can use the credit card payoff and debt payoff calculators to get a real debt free date, and the annuity, CD, bond and investment tools cover the other side of the ledger: money you are putting away rather than paying back.
Every calculator here is free and runs in your browser. There is no sign-up, no fee and no premium tier, and the numbers you type never leave your device. Each tool also carries a plain-English guide with the formula, a worked example and the mistakes people most often make, linked from the tool page itself.
A word of honesty about what these numbers are. They are estimates built from the figures you enter. Your lender, your tax authority and your own paperwork have the final say, and rates on the day you sign can differ from the ones you test here. Used the right way, though, a few minutes with the right calculator can stop an expensive guess. Run the numbers twice, change one input at a time, and watch what actually moves the answer.
All financial calculators (33)
Monthly payment, PMI, extra payments and the full amortization schedule.
Monthly car payment with tax, fees, down payment and trade-in worked in.
Refinance or keep your loan? Monthly savings, net saving and the break-even point.
Extra payments: how much sooner the mortgage ends and how much interest you save.
How much house can your income carry? The 28/36 rule with tax, insurance and HOA.
How much rent fits your income: the 30% rule, burden check, and income needed for a rent.
Loan payments weekly, biweekly, monthly or quarterly: solve for payment, amount or payoff time.
Know the amount, payment and term? Work backwards to the loan APR.
The TVM solver: N, rate, PV, PMT, FV. Enter four, solve the fifth.
When a card balance clears, what the interest costs, and the minimum-payment trap in numbers.
Avalanche vs Snowball on all your debts: months to debt-free, interest, and payoff order.
Front-end and back-end debt-to-income ratios with lender bands and room to borrow.
Future value of regular payments, or solve for the payment or principal a target needs.
Turn a lump sum into income: the payout a period allows, or how long a payout lasts.
Bond price from yield, yield to maturity from price, current yield and duration.
Certificate of deposit maturity value, interest earned, true APY and maturity date.
Internal rate of return for any yearly cash flows, with NPV at your hurdle rate.
Net present value with the full discounting worksheet and profitability index.
Return on investment plus the annualized rate that makes periods comparable.
Rental deal analyzer: monthly cash flow, cap rate, cash-on-cash and the 1% rule.
Projected 401(k) balance with the employer match, and what the match alone is worth.
What today's money costs tomorrow, and what idle cash loses while it sits.
Roth vs Traditional compared fairly per pre-tax dollar: the spendable winner, and why.
Defined-benefit pension, lifetime total with COLA, and the lump-sum duel priced by present value.
Claiming ages 62 to 70 priced by SSA rules, with lifetime totals and break-even ages.
Solve for the payment, the loan amount or the term: any loan, three ways.
Simple and compound interest with regular contributions.
Long-term growth with rising deposits and a rate comparison table.
Reach a savings goal: solve for the start amount or monthly deposit, inflation included.
Will your savings last through retirement? Find out, and fix the gap.
Convert pay between hour, day, week, month and year, holidays adjusted.
FBR salaried tax for Tax Year 2025-26 with a slab-by-slab breakdown.
A dated payment schedule with extra-payment comparisons.