Finance calculators

Estimate your US federal income tax for the 2025-2026 filing season — official 2025 brackets, standard deduction, and an opt-in toggle for Social Security and Medicare (FICA).

Project your 401(k) balance at retirement with employer match, annual return, and inflation adjustment. Includes a year-by-year growth table.

Convert a nominal interest rate plus lender fees into the true Annual Percentage Rate (APR) so you can compare loan offers on an equal footing.

Convert a nominal interest rate to Annual Percentage Yield (APY) for any compounding frequency — daily, weekly, monthly, quarterly, semiannual, annual, or continuous.

Calculate the monthly car payment, total interest, and full amortization schedule for any auto loan, including down payment, trade-in, sales tax, and fees.

Calculate current yield, yield to maturity (YTM), and Macaulay duration for any fixed-income bond. Enter the face value, coupon rate, payment frequency, current price, and time to maturity.

Analyze a Buy-Rehab-Rent-Refinance-Repeat real estate deal. Enter purchase, rehab, ARV, rent, and refi terms to see cash left in deal, cash flow, and cash-on-cash return.

Calculate the final balance and interest earned on a certificate of deposit (CD) for any principal, APY, and term length.

See how interest compounds on a lump sum or regular contributions over time, with a year-by-year breakdown and support for any compounding frequency.

Enter your balance, APR, and monthly payment to see how long it will take to pay off your credit card and how much interest you will pay in total.

Convert between 20 major world currencies using approximate exchange rates. Includes a full conversion table for quick comparison.

Enter all your debts with balances, minimum payments, and APRs. Choose snowball (smallest balance first) or avalanche (highest rate first) and see exactly how long payoff takes and how much interest you save with extra monthly payments.

Find the final price and amount saved for any percent-off or dollar-off discount.

Find the maximum home price you can qualify for using the standard 28% front-end and 43% back-end debt-to-income rules, accounting for your income, existing debts, down payment, and local costs.

Convert an hourly rate to weekly, biweekly, semi-monthly, monthly, and annual salary. Includes overtime pay at any multiplier and threshold.

Find out what a dollar amount from today is worth in the future, or what a future amount is worth in today's dollars, using any annual inflation rate.

Calculate the compound annual growth rate (CAGR) of any investment, or project a future value at a given annual rate. Includes total return, total gain, and the Rule of 72 doubling time.

Calculate the monthly payment, total interest, and payoff time for any fixed-rate installment loan — personal, student, or auto — with optional extra payments.

Calculate selling price, profit, markup percentage, and margin percentage from any cost. Switch between markup mode (profit as % of cost) and margin mode (profit as % of price).

Work out the monthly payment, total interest, and full amortization schedule for a fixed-rate mortgage, with optional extra payments, property tax, insurance, HOA, and PMI.

Calculate your take-home pay after federal income tax, Social Security, Medicare, and state income tax for any pay period. Uses 2024 IRS tax brackets and official FICA rates.

Find out if refinancing makes sense — compare your current loan to a new one, see monthly savings, and calculate how long until the closing costs pay for themselves.

Compare the true long-term cost of renting versus buying a home, factoring in mortgage payments, equity buildup, appreciation, maintenance, and the opportunity cost of your down payment.

Project your retirement nest egg with inflation adjustment and the 4% safe withdrawal rate. Shows nominal and real portfolio value, annual and monthly income, and a year-by-year schedule.

Project your Roth IRA balance at retirement and compare it to a traditional IRA after taxes. See how tax-free growth compounds over time and calculate your Roth advantage.

Add sales tax to any price and see the final total. Supports optional pre-tax discounts.

Find the monthly deposit needed to reach any savings target, given your current balance, interest rate, and time horizon.

Calculate interest earned or owed on a principal amount using the simple interest formula I = Prt.

Estimate your monthly Social Security benefit at any retirement age using the 2024 SSA bend point formula, and find the break-even ages between claiming strategies.