Finance Calculators
A loan's fixed monthly payment follows M = P·r(1+r)ⁿ ÷ ((1+r)ⁿ−1), where r is the monthly rate and n the total number of payments — knowing that formula is the difference between trusting a bank's number and checking it yourself. Feed the same logic into the mortgage payoff calculator and you can see exactly how much an extra $200 a month shaves off your loan term.
The 33 tools here cover the decisions that matter most in personal and business finance. Borrowing — loan payments, HELOC draws, boat financing, and cap rate on rental property. Earning — the salary calculator breaks down take-home pay after federal and state taxes, and the tax bracket tool shows your effective rate, not just your marginal one. And growing money — APY, ROI, and compound interest over time.
APY matters because compounding changes the real return. A 5% nominal rate compounded monthly is actually 5.12% APY — a gap that widens every year you leave money invested. The APY calculator shows both figures side by side. Rates and payment schedules shift, but the underlying math stays fixed. Pick a tool below — the most-used ones are first, then the full list.
Most popular
8 tools Boat Loan Calculator — Payment, Tax, Amortization Calculate boat loan monthly payments with down payment, trade-in, sales tax, and fees. See total cost and amortization schedule. Mortgage Payoff Calculator — Biweekly + Extra Payments Calculate how extra payments or biweekly payments accelerate mortgage payoff and save on interest. Salary Calculator — Hourly to Yearly, Take-Home Pay Convert between salary, hourly, and monthly pay with overtime, 401(k), and health insurance deductions. See take-home across all periods. APY Calculator — Annual Yield from Nominal Rate Calculate annual percentage yield from a nominal interest rate and compounding frequency. Estimate future value and total interest.
Cap Rate Calculator — Rental Property NOI & Yield Calculate cap rate from NOI and property value, or reverse it to find a property's value at a target cap rate. Free real estate calculator with NOI breakdown. HELOC Calculator — Draw + Repayment Period Payments Calculate HELOC payments for draw and repayment periods. See total interest, amortization schedule, and compare costs. Tax Bracket Calculator 2025 — Federal + FICA + Deductions Calculate 2025 federal income tax with FICA, optional deductions (401k, HSA, itemized), and total tax burden breakdown. Interest Rate Calculator — Solve Rate, Payment, Term Multi-solve loan calculator: find rate, payment, principal, or term from any 3 values. Includes donut chart and amortization schedule.
All finance calculators
33 tools Pay Raise Calculator — % or Flat, Hourly to Yearly Calculate your new pay after a raise — percentage, flat amount, or new rate. See hourly, weekly, monthly, and yearly breakdowns. Auto Loan Calculator — Trade-In, Tax, Amortization Calculate monthly car payments, total interest, and view amortization schedules. Factor in trade-in, down payment, taxes, and fees. 401(k) Calculator — Retirement, Match, Withdrawal Estimate your 401(k) balance at retirement, calculate early withdrawal costs, and optimize employer match contributions. Simple Interest Calculator — Solve I = Prt Any Way Calculate simple interest on loans and investments. Solve for balance, principal, rate, or term with step-by-step work. Compound Interest Calculator — Daily, Monthly, Yearly Calculate compound interest with contribution timing, cumulative breakdown, and year-by-year growth showing principal vs contributions vs interest. APY Calculator — Annual Yield from Nominal Rate Calculate annual percentage yield from a nominal interest rate and compounding frequency. Estimate future value and total interest. Cap Rate Calculator — Rental Property NOI & Yield Calculate cap rate from NOI and property value, or reverse it to find a property's value at a target cap rate. Free real estate calculator with NOI breakdown. Rule of 72 Calculator — Time to Double Investment Calculate the time or rate needed to double an investment using the Rule of 72. Shows both estimated and exact results. Future Value Calculator — FV with Periodic Deposits Calculate the future value of an investment with periodic deposits. See growth schedule with full interest breakdown. Amortization Calculator — Schedule + Extra Payments Calculate loan amortization with extra payments, principal vs interest breakdown, and annual or monthly schedules. Mortgage Calculator — Payment, Interest, Amortization Calculate monthly mortgage payments, total interest, and view amortization schedules for home loans. Mortgage Payoff Calculator — Biweekly + Extra Payments Calculate how extra payments or biweekly payments accelerate mortgage payoff and save on interest. Salary Calculator — Hourly to Yearly, Take-Home Pay Convert between salary, hourly, and monthly pay with overtime, 401(k), and health insurance deductions. See take-home across all periods. Debt Payoff Calculator — Avalanche vs Snowball Side-by-side avalanche vs snowball comparison showing interest saved and payoff timeline for each debt strategy. Loan Calculator — Payment, Extra Payment, Schedule Calculate monthly loan payments with extra payment comparison showing interest and time saved. Includes donut chart and amortization schedule. Tax Bracket Calculator 2025 — Federal + FICA + Deductions Calculate 2025 federal income tax with FICA, optional deductions (401k, HSA, itemized), and total tax burden breakdown. Take-Home Pay Calculator 2026 — Net Pay After Tax Calculate your 2026 take-home pay after federal tax, FICA, state tax, and deductions. Includes OBBB tip and overtime exemptions.
Sales Tax Calculator — Add, Reverse, By State Calculate sales tax, reverse-calculate pre-tax prices, or find the tax rate. Includes 2026 US state rates. Currency Calculator — 30+ Currencies, Live Rates Convert between 30+ currencies with live exchange rates. Includes custom rate converter and major currency cross-rate table. Credit Card Payoff Calculator — Min Payment Trap See how long to pay off credit card debt. Compare minimum vs fixed payments, and analyze balance transfer savings. Rent vs Buy Calculator — Break-Even + Investment Cost Compare renting vs buying with investment opportunity cost, PMI, HOA, equity tracking, and break-even year highlight. Retirement Calculator — How Much to Save & Withdraw Plan your retirement with 4 calculation modes. See how much to save, withdraw, and how long savings last. Rent Affordability Calculator — 30% & 40% Rules Calculate maximum affordable rent based on income, debts, and expenses. Uses the 30/40% income rules with budget breakdown. HELOC Calculator — Draw + Repayment Period Payments Calculate HELOC payments for draw and repayment periods. See total interest, amortization schedule, and compare costs. Refinance Calculator — Break-Even + Lifetime Cost Compare your current mortgage with a refinanced loan. See monthly savings, break-even point, APR, and lifetime cost. Roth IRA Calculator — Tax-Free Growth vs Taxable Estimate Roth IRA balance at retirement and compare tax-free growth vs a taxable brokerage account. Lease Calculator — Monthly Payment & Money Factor Calculate lease monthly payment or find the effective interest rate. See depreciation, money factor, and payment schedule. Boat Loan Calculator — Payment, Tax, Amortization Calculate boat loan monthly payments with down payment, trade-in, sales tax, and fees. See total cost and amortization schedule. Debt Consolidation Calculator — Side-by-Side Compare Compare existing debts against a consolidation loan. See monthly payment, total interest, and time savings side by side. Interest Rate Calculator — Solve Rate, Payment, Term Multi-solve loan calculator: find rate, payment, principal, or term from any 3 values. Includes donut chart and amortization schedule. ROI Calculator — Return on Investment + Annualized Calculate return on investment (ROI) and annualized ROI. Compare investment profitability over any time period. Savings Calculator — Compound Growth + Contributions Calculate savings growth with compound interest, periodic contributions, annual increases, and tax impact. VAT Calculator — Add, Remove, Find Rate from 2 Values Calculate VAT from any two values: rate, net price, gross price, or tax amount. Add or remove VAT instantly.