Financial

Loans, interest, payments and what a plan actually costs over time.

39 calculators

Loan CalculatorEnter the amount, the rate and the term. This gives you the monthly payment and, more usefully, what the loan costs you in interest over its life.
Mortgage CalculatorThe payment a lender quotes is rarely the payment you make. This adds the property tax, the insurance and the mortgage insurance to the principal and interest.
Compound Interest CalculatorEnter what you start with, what you add and how long you leave it. The interesting line is not the total, it is how much of that total you never paid in.
Car Loan CalculatorA car payment depends on more than the sticker price. This folds in the sales tax, the trade-in and the down payment before it works out the loan.
Credit Card Payoff CalculatorEnter the balance, the rate and what you pay each month. The number worth looking at is not the months, it is the interest.
Salary CalculatorConvert in either direction. The per-paycheck line is the one that matters when a job offer quotes a salary and you need to know what lands in the account.
Savings Goal CalculatorGive the target and the deadline and this says what it takes each month. Interest is included, which for a short goal matters far less than people hope.
Inflation CalculatorInflation works exactly like compound interest, pointed the wrong way. This shows both what a sum grows to in nominal terms and what it is actually worth.
ROI CalculatorTotal return says what you made. Annualized return says how good it was, and it is the only one of the two that lets you compare a two year holding with a ten year one.
Sales Tax CalculatorBoth directions. Working backwards from a receipt total is the harder one, because you divide rather than subtract, and that is where people go wrong.
Mortgage Payment CalculatorThe whole payment, not just the loan part. Principal and interest, plus property tax, insurance, mortgage insurance and HOA dues, each one listed on its own.
Mortgage Affordability CalculatorWhat a lender will let you borrow, worked backwards from your income and your existing debts. The limit is a debt-to-income ratio, not a feeling.
Mortgage Payoff CalculatorPay a little more each month and see what it buys you. The saving is in interest that now never gets charged, which is why it is so much larger than the extra you put in.
Personal Loan CalculatorThe payment, the total cost, and the rate you are really paying once the origination fee comes out of the money you actually receive.
Auto Loan CalculatorStart from the sticker price rather than the loan. Trade-in, down payment, sales tax and fees all change what actually gets financed.
Car Payment CalculatorStart from the payment you can live with and work back to the price. This is the order a dealer does the arithmetic in, so it is worth doing yourself first.
Simple Interest CalculatorSimple interest is charged on the starting amount and nothing else. Interest never earns interest, which makes it cheaper to borrow at and slower to save with.
Retirement CalculatorTwo numbers matter: what the pot is worth on your last day of work, and how long it lasts after that. This works out both, with inflation taken off the answer.
401(k) CalculatorYour own contributions, your employer match and the growth on both. The match is free money, so the first thing worth checking is whether you are getting all of it.
Debt Payoff CalculatorList what you owe and what you can pay above the minimums. This runs both popular methods month by month and shows what each one costs you.
Hourly to Salary CalculatorTurn an hourly rate into what it is worth a year. Unpaid weeks and overtime both move the answer, so both are here rather than hidden behind a flat 2,080 hours.
Income Tax CalculatorEstimate the federal income tax on a year of income, band by band. The tax table is the one shown in the box at the bottom of the form, and you can replace it with the figures for any year.
Take-Home Pay CalculatorA salary is the number on the offer letter. This is the number that reaches the bank. Every deduction is listed separately, so you can see which one is taking the most.
Overtime Pay CalculatorEnter your hourly rate and the hours you worked in one week. Federal law pays at least time and a half for every hour past 40, and the week stands on its own - a slow week does not cancel a long one.
Bonus Tax CalculatorA bonus is not taxed at a special higher rate - it is withheld at one. Your employer can hold back a flat percentage on supplemental pay, which is why a bonus lands smaller than you expected and why some of it often comes back when you file.
Self-Employment Tax CalculatorIf you work for yourself you pay both halves of Social Security and Medicare - 15.3 percent in total. It is charged on your profit, not your revenue, and only on 92.35 percent of that. This is separate from income tax and comes on top of it.
Tax Refund CalculatorA refund is not a gift. It is the gap between what was taken from your paychecks all year and what you actually owed. Enter both and see which way the gap runs.
Capital Gains Tax CalculatorHow long you held it changes everything. Sell after more than a year and the gain has its own gentle ladder - 0, 15 or 20 percent. Sell sooner and it is taxed like salary.
Property Tax CalculatorEnter what the home is worth and your local rate. The answer is the yearly bill and, more usefully, what it adds to your mortgage payment every month.
Down Payment CalculatorEnter a price and either a percentage or an amount you have saved. The answer includes the part people miss: what it costs every month to put down less than 20 percent.
Student Loan CalculatorEnter your balance, rate and term to see the monthly payment and what the loan costs in total. The extra payment field is the one worth playing with - on student debt it moves the payoff date a long way.
Refinance CalculatorThe question is not whether the payment drops. It is whether the saving outruns the closing costs before you move. Enter both loans and see the month you break even.
APR CalculatorThe interest rate is what the lender charges. The APR is what the loan costs once its fees are counted. Lenders compete on the first number and hide the difference in the second.
Emergency Fund CalculatorAn emergency fund is measured in months of essential spending, not in months of salary. Enter what you must pay each month and how many months you want covered.
Net Worth CalculatorNet worth is everything you own less everything you owe. It is the single number that tells you whether a year went well, and it is the one most people have never actually worked out.
Discount CalculatorEnter the original price and the discount. You get what you pay, what you save, and what a second coupon is really worth once it is stacked on the first.
Rent Affordability CalculatorEnter what you earn and what you already owe each month. You get the rent a landlord will approve, the rent the 30 percent rule allows, and the rent you can actually live on once the bills are paid.
Pay Raise CalculatorEnter your pay now and the raise you have been offered. You get the new rate, the increase in each paycheck, and what the raise is really worth after tax and inflation.
Unit Price CalculatorThe big box is not always cheaper. Enter the price and the size of each package and this works out the cost per unit, ranks them, and tells you what the difference is worth over a year.

Which money calculator to use

For borrowing, start with the loan calculator, or the mortgage, auto loan, student loan and personal loan calculators for those specific loans. Each shows the monthly payment and the total interest paid over the life of the loan, which is the number that tells you what borrowing really costs.

For paying debt down, the credit card payoff and debt payoff calculators show how much sooner you finish, and how much interest you save, by paying more each month. For saving, the compound interest, savings goal, retirement and 401(k) calculators show how money grows over time.

For pay and tax, the take-home pay, salary, hourly to salary, overtime and income tax calculators turn one figure into the others. Tax results use published federal rates and are estimates: your own return depends on deductions and credits the calculators cannot see.