Every Calculator
All 43 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.
Should I refinance?
See if refinancing saves money, when you break even, and what it costs to reset the clock.
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.
Should I rent or buy?
Compare the true cost of renting and buying over 5, 10, and 30 years.
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.
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.
Should I buy now or wait?
See how much a home can appreciate before a lower rate stops helping.
Should I buy now or save more?
Compare buying now with PMI against waiting to reach a bigger down payment.
Should I sell first or buy first?
Compare the cash each path needs, and the risk that comes with it.
What's my mortgage payment?
Estimate your monthly payment including principal, interest, taxes, insurance, and PMI.
How much house can I afford?
Turn your income, debts, and down payment into a realistic price range.
Will my VA refinance recoup?
Check whether a VA IRRRL meets the 36-month recoupment rule.
Which lender quote is cheapest?
Put three lender quotes side by side and find the real cost of each.
Debt
Paying down what you owe, and what it is really costing you.
Should I snowball or avalanche?
Compare the snowball and avalanche methods across all your balances.
Which student loan plan?
Compare the standard, extended, IBR and RAP plans on your balance.
Should I consolidate my debt?
Pick which balances to roll into one loan, and see what each move costs.
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.
Should I do a balance transfer?
See what a 0% window saves once the transfer fee is counted.
What rate am I really paying?
Turn a quoted rate plus points and fees into the rate you actually pay.
Money
Growing your savings and planning for what comes next.
Should I reinvest dividends?
Compare taking dividends as cash against reinvesting every one.
Should I invest all at once?
Invest all at once or spread it out — see how each plays out.
Should I withdraw early?
Count the taxes, the 10% penalty, and the growth you would give up.
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.
How will my money grow?
See how your money grows when interest starts earning interest.
What does my savings earn?
Turn a quoted savings rate into the yield you actually collect.
What will my portfolio be worth?
Project a portfolio with contributions, fees, taxes, and inflation.
Am I on track for retirement?
Find out if you are on track and how long your savings will last.
What will I owe in capital gains?
Estimate what you will owe on a sale, and what waiting for long-term rates saves.
What return do I need?
Work out the return you would need to hit a savings goal on time.
How big should my emergency fund be?
Size the cushion you need and see how fast you can build it.
What's my net worth?
Add up what you own and what you owe, then project it forward.
Auto
What a car really costs, from the lot to the day you sell it.
Should I lease or buy?
Compare the true cost of leasing or buying your next car.
Should I finance or pay cash?
Weigh loan interest against what your cash could earn instead.
Should I refinance my car loan?
See what a lower rate saves on the car loan you already have.
Should I switch to an EV?
Compare fuel, maintenance, and incentives for electric and gas.
Should I buy new or used?
Depreciation, interest and repairs over the years you actually keep it.
How much car can I afford?
Set a price range that fits your income and your other bills.
What will this car really cost?
Add up depreciation, fuel, insurance, and repairs — the real price of a car.
What's my lease payment?
Build a lease payment from cap cost, residual value, and money factor.
What will my car be worth?
Track what a vehicle is worth each year, and when you are underwater.