Loans & MortgagesFlagship #01
Home Affordability Calculator
How much house you can afford.
Tools directory
Every calculator in one place
100 focused financial tools, led by ten flagship calculators for major U.S. money decisions. Search or filter to find the right next step.
10 flagship U.S. money tools
Start with the decision that can move the most money
Our highest-impact calculators for buying a home, borrowing, earning more on cash, retirement and U.S. taxes.
- #01Home buyingOpen calculator
Home Affordability Calculator
Find a realistic U.S. home-price range.
- #02Home buyingOpen calculator
Mortgage Calculator
Estimate PITI, PMI and the true monthly cost.
- #03Home equityOpen calculator
Refinance Calculator
Test savings, costs and your break-even point.
- #04Home equityOpen calculator
HELOC Payment Calculator
Stress-test the draw and repayment phases.
- #05Cash savingsOpen calculator
High-Yield Savings Calculator
APY growth after fees, tax and inflation.
- #06Cash savingsOpen calculator
CD Calculator
See maturity value and withdrawal penalties.
- #07BorrowingOpen calculator
Auto Loan Calculator
See drive-away cost, payment and sales tax.
- #08Federal taxOpen calculator
Federal Income Tax Calculator
Estimate federal tax, brackets and refund.
- #09Self-employed taxOpen calculator
1099 Tax Calculator
Estimate 1099 tax and quarterly set-asides.
- #10RetirementOpen calculator
Retirement Calculator
Turn savings and withdrawals into a plan.
Loans & Mortgages30
Loans & MortgagesFlagship #02
Mortgage Calculator
Estimate your full monthly home payment.
Loans & MortgagesFlagship #03
Refinance Calculator
Should you refinance your mortgage?
Loans & MortgagesFlagship #04
HELOC Payment Calculator
Interest-only draw vs. repayment payments.
Loans & MortgagesFlagship #07
Auto Loan Calculator
Your monthly car payment and interest.
Loans & Mortgages
Loan Calculator
Know your payment, interest and payoff.
Loans & Mortgages
Rent vs Buy Calculator
Compare the true cost of renting and buying.
Loans & Mortgages
Down Payment Calculator
Plan and save for your down payment.
Loans & Mortgages
Student Loan Calculator
Repay your studies on schedule.
Loans & Mortgages
APR Calculator
The true cost of a loan with fees.
Loans & Mortgages
Biweekly Mortgage Calculator
Pay half every two weeks, finish years early.
Loans & Mortgages
Interest-Only Mortgage Calculator
Low payments now, full payments later.
Loans & Mortgages
Loan-to-Value (LTV) Calculator
Your equity and whether PMI applies.
Loans & Mortgages
Car Lease Calculator
Estimate your monthly lease payment.
Loans & Mortgages
Debt-to-Income Ratio Calculator
The ratio lenders judge you by.
Loans & Mortgages
FHA Loan Calculator
Monthly payment with FHA mortgage insurance.
Loans & Mortgages
VA Loan Calculator
Zero-down payment with the VA funding fee.
Loans & Mortgages
Balloon Loan Calculator
Low payments now, a lump sum later.
Loans & Mortgages
Interest Rate Calculator
Solve for rate, payment or term.
Loans & Mortgages
Home Equity Loan Calculator
Fixed payments on a second mortgage.
Loans & Mortgages
Mortgage Payoff Calculator
Pay extra and finish years early.
Loans & Mortgages
ARM Mortgage Calculator
Low fixed rate now, adjusted rate later.
Loans & Mortgages
PMI Calculator
Your mortgage insurance cost and exit point.
Loans & Mortgages
Closing Costs Calculator
The cash you need to close a home.
Loans & Mortgages
Home Sale Proceeds Calculator
What you walk away with after selling.
Loans & Mortgages
Mortgage Points Calculator
Is buying down the rate worth it?
Loans & Mortgages
Cash-Out Refinance Calculator
Tap your equity with a new loan.
Loans & Mortgages
Reverse Mortgage Calculator
Turn home equity into cash in retirement.
Loans & Mortgages
Home Equity Calculator
How much of your home you own.
Loans & Mortgages
Mortgage Amortization Calculator
Principal vs interest, month by month.
Investing & Returns20
Investing & ReturnsFlagship #10
Retirement Calculator
See if your nest egg will last.
Investing & Returns
IRR Calculator
The return that zeroes out NPV.
Investing & Returns
Compound Interest Calculator
Watch compounding work its magic.
Investing & Returns
DCA Calculator
Project dollar-cost averaging over time.
Investing & Returns
Lump Sum Investment Calculator
Grow a one-time investment over time.
Investing & Returns
Stock Return Calculator
Profit and return on a share trade.
Investing & Returns
Portfolio Return Calculator
The blended return of your whole portfolio.
Investing & Returns
ETF Return Calculator
What an ETF investment grows to.
Investing & Returns
Mutual Fund Calculator
Fund growth after loads and fees.
Investing & Returns
Investment Fee Calculator
See how fees erode your returns.
Investing & Returns
Dividend Yield Calculator
Current, forward & yield-on-cost income.
Investing & Returns
ROI Calculator
Profit, ROI %, annualized return & more.
Investing & Returns
CAGR Calculator
Find the compound annual growth rate.
Investing & Returns
Future Value Calculator
What today's money and deposits grow into.
Investing & Returns
Present Value Calculator
Discount future cash flows to today's value.
Investing & Returns
XIRR Calculator
Money-weighted return on dated cash flows.
Investing & Returns
Dividend Reinvestment Calculator
Compound dividends with a DRIP.
Investing & Returns
Asset Allocation Calculator
Split a portfolio across asset classes.
Investing & Returns
Required Rate of Return Calculator
The annual return your plan needs.
Investing & Returns
Risk vs Return Calculator
Sharpe, Sortino, beta and alpha.
Tax & Income20
Tax & IncomeFlagship #08
Federal Income Tax Calculator
Estimate your federal income tax.
Tax & IncomeFlagship #09
1099 Tax Calculator
Total tax on self-employed 1099 income.
Tax & Income
Sales Tax Calculator
Add sales tax to any price.
Tax & Income
VAT Calculator
Add or extract value-added tax.
Tax & Income
Capital Gains Tax Calculator
Tax on the profit from a sale.
Tax & Income
Self-Employment Tax Calculator
Tax on freelance and business income.
Tax & Income
Paycheck Calculator
Turn gross salary into take-home pay.
Tax & Income
Tax Refund Estimator
Will you get a refund or owe more?
Tax & Income
Bonus Tax Calculator
What's left of your bonus after tax.
Tax & Income
Payroll Tax (FICA) Calculator
Social Security and Medicare on your wages.
Tax & Income
Tax Withholding (W-4) Calculator
Dial in your paycheck withholding.
Tax & Income
Income Tax Calculator
Estimate the income tax you owe.
Tax & Income
Salary Calculator
Convert your pay across every pay period.
Tax & Income
Take-Home Pay Calculator
See what's left after tax and deductions.
Tax & Income
Tax Bracket Calculator
See the bracket you're in and tax per bracket.
Tax & Income
Taxable Income Calculator
From gross income to taxable income.
Tax & Income
Social Security Tax Calculator
The 6.2% OASDI tax on your wages.
Tax & Income
Medicare Tax Calculator
1.45% Medicare plus the 0.9% surtax.
Tax & Income
Tax Withholding (W-4) Calculator
Tune each paycheck to your annual tax target.
Tax & Income
Estimated Tax Calculator
Quarterly payments that keep you penalty-safe.
Savings & Banking30
Savings & BankingFlagship #05
High-Yield Savings Calculator
How much more a high APY earns.
Savings & BankingFlagship #06
CD Calculator
Maturity value of a term deposit.
Savings & Banking
Savings Calculator
See how your deposits grow over time.
Savings & Banking
Goal Savings Calculator
Find the monthly amount to reach any target.
Savings & Banking
Emergency Fund Calculator
Size your safety net and reach it faster.
Savings & Banking
APY Calculator
Turn a nominal rate into real yield.
Savings & Banking
CD Ladder Calculator
Spread CDs across staggered maturities.
Savings & Banking
Money Market Account Calculator
Tiered yield above a balance threshold.
Savings & Banking
Savings Withdrawal Calculator
How long a balance lasts.
Savings & Banking
Savings Goal Date Calculator
When will you hit your target?
Savings & Banking
Inflation-Adjusted Savings Goal Calculator
Your goal in tomorrow's money.
Savings & Banking
Compound Savings Calculator
Watch deposits compound over time.
Savings & Banking
Monthly Savings Calculator
What a fixed monthly habit adds up to.
Savings & Banking
Retirement Savings Calculator
Project your nest egg at retirement.
Savings & Banking
College Savings Calculator
Save enough for future tuition.
Savings & Banking
Fixed Deposit (FD) Calculator
Maturity value of a fixed deposit.
Savings & Banking
Recurring Deposit (RD) Calculator
Grow a fixed monthly deposit to maturity.
Savings & Banking
Bank Interest Calculator
How much interest your savings really earn.
Savings & Banking
APR vs APY Calculator
How compounding turns APR into APY.
Savings & Banking
Savings Interest Rate Calculator
The interest rate your savings goal needs.
Savings & Banking
Simple Interest Calculator
Interest on the principal alone — no compounding.
Savings & Banking
Daily Interest Calculator
Interest that accrues day by day.
Savings & Banking
Monthly Interest Calculator
Interest a balance earns each month.
Savings & Banking
Effective Interest Rate Calculator
Turn a nominal rate into the real one.
Savings & Banking
Cash Deposit Growth Calculator
Watch your cash deposits stack up and grow.
Savings & Banking
Required Monthly Savings Calculator
The monthly amount to hit your target.
Savings & Banking
Passbook Savings Calculator
Grow a traditional passbook account.
Savings & Banking
Goal-Based Savings Planner
Are you on track for your goal?
Savings & Banking
Banking Fee Calculator
What your bank fees really cost your savings.
Savings & Banking
Net Savings Calculator
What you really keep after fees, tax & inflation.