Every Calculator
All 58 free financial calculators.
No sign-up, no email required. Every tool runs in your browser and loads sample numbers if you just want to see how it works.
Home
Buying, refinancing, and everything that comes with a mortgage.
Refinancing· 3
Should I refinance?
See if refinancing saves money, when you break even, and what it costs to reset the clock.
Will my VA refinance recoup?
Check whether a VA IRRRL meets the 36-month recoupment rule.
Should I refinance to pay off debt?
Roll high-rate debts into a new mortgage and see the blended rate, the monthly saving, and what it costs over the full term.
Home equity· 4
HELOC or cash-out refinance?
Keep your mortgage and add a line, or replace it with one bigger loan. Compare payments, cost over your horizon, and what Fed moves would do.
How much can I borrow with a HELOC?
See the line your equity supports at different combined loan-to-value caps, and the payment if you draw all of it.
Home equity loan or HELOC?
Compare a fixed lump-sum loan with a variable line you draw as needed: payments over time, cost over your horizon, and how far rates would have to rise.
Should I use a HELOC to pay off debt?
Trade a high rate for a lower one — and see the payment jump when the draw period ends.
Buying a home· 8
Should I rent or buy?
Compare the true cost of renting and buying over 5, 10, and 30 years.
How much house can I afford?
Turn your income, debts, and down payment into a realistic price range.
Should I buy now or save more?
Compare buying now with PMI against waiting to reach a bigger down payment.
Should I buy now or wait?
See how much a home can appreciate before a lower rate stops helping.
Should I use FHA or conventional?
Compare FHA mortgage insurance against PMI, and find the 90% line that decides whether it ever comes off.
Should I use a VA or conventional loan?
Weigh no money down and no PMI against the VA funding fee.
Should I pay points?
Find the month your discount points start paying for themselves.
Which lender quote is cheapest?
Put three lender quotes side by side and find the real cost of each.
Your mortgage payment and payoff· 4
What's my mortgage payment?
Estimate your monthly payment including principal, interest, taxes, insurance, and PMI.
Should I make extra payments?
See how much time and interest an extra payment each month can save you.
Should I pay off the house or invest?
A guaranteed return from prepaying against a riskier one from the market.
Should I pay off a debt or invest?
Compare the guaranteed return of paying down debt against investing the same money.
Selling or moving· 2
Debt
Paying down what you owe, and what it is really costing you.
What's my blended rate?
Weight every rate by its balance, and see which debts the interest really comes from.
Should I snowball or avalanche?
Compare the snowball and avalanche methods across all your balances.
Should I do a balance transfer?
See what a 0% window saves once the transfer fee is counted.
Should I consolidate my debt?
Pick which balances to roll into one loan, and see what each move costs.
How long to pay off my card?
Months and interest at the minimum payment against a fixed one, the payment that clears it by a date, and the payoff box on your statement.
What rate am I really paying?
Turn a quoted rate plus points and fees into the rate you actually pay.
Which student loan plan?
Compare the standard, extended, IBR and RAP plans on your balance.
Should I refinance federal student loans?
Compare your federal payment and interest with a private refinance offer, see the income-driven payment you would give up, and what else leaving the federal program costs.
What's my debt-to-income ratio?
Your front-end and back-end ratios, how conventional, FHA, VA and USDA guidelines count them, and VA residual income.
Money
Growing your savings and planning for what comes next.
Saving· 4
What's my net worth?
Add up what you own and what you owe, then project it forward.
How big should my emergency fund be?
Size the cushion you need and see how fast you can build it.
What does my savings earn?
Turn a quoted savings rate into the yield you actually collect.
How will my money grow?
See how your money grows when interest starts earning interest.
Investing· 5
What will my portfolio be worth?
Project a portfolio with contributions, fees, taxes, and inflation.
What return do I need?
Work out the return you would need to hit a savings goal on time.
Should I invest all at once?
Invest all at once or spread it out — see how each plays out.
Should I reinvest dividends?
Compare taking dividends as cash against reinvesting every one.
What will I owe in capital gains?
Estimate what you will owe on a sale, and what waiting for long-term rates saves.
Retirement· 6
Am I on track for retirement?
Find out if you are on track and how long your savings will last.
When should I start Social Security?
Your benefit at every age from 62 to 70, the break-even ages between them, and what you collect in total by the age you plan to.
Should I capture my full match?
Weigh an employer match against the guaranteed return of clearing debt.
Should I do Roth or Traditional?
Pay tax now or later, decided by the bracket you expect in retirement.
Should I withdraw early?
Count the taxes, the 10% penalty, and the growth you would give up.
Should I take a 401(k) loan?
How much you can borrow, what it really costs in missed growth, what happens if you leave your job, and how it compares with a HELOC, personal loan or card.
Auto
What a car really costs, from the lot to the day you sell it.
Choosing a car· 5
How much car can I afford?
Set a price range that fits your income and your other bills.
Should I buy new or used?
Depreciation, interest and repairs over the years you actually keep it.
Should I switch to an EV?
Compare fuel, maintenance, and incentives for electric and gas.
What will this car really cost?
Add up depreciation, fuel, insurance, and repairs — the real price of a car.
What will my car be worth?
Track what a vehicle is worth each year, and when you are underwater.
Paying for it· 5
Should I finance or pay cash?
Weigh loan interest against what your cash could earn instead.
Should I lease or buy?
Compare the true cost of leasing or buying your next car.
What's my lease payment?
Build a lease payment from cap cost, residual value, and money factor.
Should I buy out my lease?
Compare buying your leased car at the contract price with handing it back: the all-in cost, your equity, and the end-of-lease charges you would avoid.
Should I trade in or sell privately?
Compare a trade-in offer, with any sales tax it saves, against selling it yourself after costs, and see the private price you would need to come out ahead.