Finance

Calculate your monthly mortgage payment, total interest, and full amortization. Free, accurate, and works in any currency.

Estimate the maximum home price you can afford based on your income, debts, down payment, and interest rate. Uses the standard 28/36 rule.

See if refinancing your mortgage saves money. Calculates new payment, monthly savings, total interest savings, and break-even time.

Calculate monthly payment, total interest, and total cost for any fixed-rate loan. Works for personal, auto, student, and small-business loans.

Calculate monthly car payment, total interest, and total cost. Supports trade-in, sales tax, and down payment.

See how money grows over time with compounding. Enter principal, rate, time, and optional monthly contributions to project future value.

Calculate simple interest on a loan or deposit. Returns interest amount, total, and effective rate.

Calculate what an amount of money in one year is worth in today's dollars, using a configurable inflation rate.

Convert between APR (annual percentage rate) and APY (annual percentage yield). Critical for comparing loans and savings accounts.

Compare debt payoff strategies: snowball (smallest balance first) versus avalanche (highest rate first). See total interest and payoff timeline.

See how long it takes to pay off a credit card balance and how much interest you'll pay. Compare minimum payments versus a fixed monthly amount.

Estimate your retirement number using the 4 % rule, and project whether your current savings + monthly contributions will get you there.

Calculate the right size for your emergency fund based on monthly expenses, family situation, and job security.

Calculate return on investment as a percentage and annualized return. Compare investments fairly by adjusting for the holding period.

Compare the long-run cost of renting versus buying a home over a chosen number of years. Includes mortgage interest, property tax, maintenance, and investment opportunity cost.

Calculate how long it'll take to save for a down payment on a home, factoring in your current savings, monthly contribution, and investment return.

Calculate how long until you reach a savings target, or how much to save monthly to hit it by a target date.

Project college savings growth with tuition inflation. Models 529 plans and shows monthly contribution needed to fund a 4-year degree.

Estimate US federal income tax owed for 2026 using the official IRS brackets. Marginal vs effective rate shown.

Convert between hourly, weekly, biweekly, monthly, and annual pay. Handles full-time, part-time, and freelance hours per week.

Estimate your real take-home hourly rate after taxes. Useful for comparing freelance rates against W-2 salary positions.

Calculate tip amount, total bill, and per-person share split across any number of people. Works for any currency and tip percentage.

Calculate sales tax, VAT, or GST on any purchase. Works two ways: add tax to a price, or back out the pre-tax price from a total.

Calculate sale price after percentage discount, or work out the original price from a sale price. Handles stacked discounts too.

Convert between major world currencies using live exchange rates from the European Central Bank, updated daily.

Calculate cryptocurrency profit, loss, and ROI from entry price, exit price, position size, and trading fees.

Estimate years to payback for a residential solar PV system based on system cost, annual production, electricity rate, and rate inflation.

Compare cost of living between cities using purchasing-power-parity (PPP) factors. See what salary you'd need to maintain your standard of living.

Estimate wedding costs by guest count and style, with category breakdown (venue, catering, photography, attire, flowers).

Estimate annual childcare cost by care type and city tier. Compares daycare, nanny, au pair, and family-shared arrangements.

Calculate commission earnings on flat-rate, tiered, and revenue-share structures. Useful for sales reps and managers planning quotas.

Compare weekly, biweekly, semimonthly, and monthly paychecks from the same annual salary.

Find the units and revenue needed to cover fixed costs given price and variable cost per unit.

Project investment growth using fixed periodic contributions and average annual returns.

Calculate the portfolio size needed for financial independence using the 4% safe withdrawal rate.

Calculate share count so a stop-loss represents a fixed percentage of your portfolio.

Calculate your net worth: total assets minus total liabilities.

See if your raise actually beats inflation — calculate real purchasing-power change.

Compute the true APR of a loan including origination fees, points, and closing costs.

Estimate interest-only and amortizing payments on a Home Equity Line of Credit.

See how extra monthly payments cut years and interest off your student loans.

Compare Roth and Traditional retirement contributions for tax-adjusted ending value.

Estimate federal capital gains tax on investments by holding period and income bracket.

Calculate business, medical, or charity mileage reimbursement at IRS standard rates.

Project total career earnings given current salary, expected raises, and working years.

Evaluate investments and projects with net present value and internal rate of return.