Free Calculators
Free financial calculators for debt payoff, payments, interest, and planning
Estimate mortgage payments, compare loan terms, plan credit card payoff, test debt snowball or avalanche plans, and project compound interest.
Most used
Start with the calculator that matches your decision
Each calculator is browser-based, free to use, and paired with guides that explain what the result means.
Mortgage Calculator
Estimate principal and interest, taxes, insurance, HOA, and monthly housing cost.
Credit Card Payoff Calculator
Estimate payoff months, interest cost, and extra-payment savings for high-APR card balances.
Debt Payoff Calculator
Compare debt avalanche and debt snowball payoff paths for two balances and APRs.
Loan Calculator
Compare monthly payment, total interest, total repayment, and optional extra payments.
APR Calculator
Estimate fee-adjusted APR from loan amount, stated interest rate, upfront fees, and repayment term.
Loan Comparison Calculator
Compare two loan offers by monthly payment, APR, term, fees, and total borrowing cost.
Personal Loan Calculator
Estimate personal loan payment, APR cost, origination fee impact, net proceeds, and extra-payment savings.
Debt Consolidation Calculator
Compare credit card payoff with a consolidation loan by payment, interest, fees, and savings.
Debt-to-Income Ratio Calculator
Estimate front-end and back-end DTI from income, housing payment, credit cards, auto loans, student loans, and other debt.
Auto Loan Calculator
Estimate car payment from price, down payment, trade-in, tax, APR, and term.
Student Loan Payoff Calculator
Estimate student loan payoff time, total interest, extra-payment savings, and target payoff payment.
Student Loan Refinance Calculator
Compare current student loan cost with a refinance offer, savings, fees, and break-even.
Car Affordability Calculator
Estimate a practical vehicle price from income, debt, insurance, fuel, down payment, APR, and term.
Auto Insurance Calculator
Turn a 6-month insurance quote into monthly premium, annual premium, and total car cost.
Mortgage Affordability Calculator
Estimate a practical home-price range from income, debts, down payment, rate, and DTI limits.
ARM Mortgage Calculator
Estimate adjustable-rate mortgage payment shock after the first reset.
Rent vs Buy Calculator
Compare renting and buying with monthly owner cost, equity, rent growth, and down-payment opportunity cost.
Mortgage Payoff Calculator
Estimate how extra monthly principal or a lump-sum payment changes mortgage payoff time and interest savings.
Mortgage Points Calculator
Compare discount points, lower-rate payment, monthly savings, break-even time, and expected-hold net savings.
PMI Calculator
Estimate monthly private mortgage insurance from home price, down payment, LTV, and PMI rate.
Property Tax Calculator
Estimate annual property tax, monthly escrow impact, taxable assessed value, exemptions, and reassessment pressure.
Escrow Shortage Calculator
Estimate escrow shortage, new monthly escrow, shortage repayment, and mortgage payment increase after tax or insurance changes.
Closing Cost Calculator
Estimate lender fees, title costs, prepaids, escrow reserves, credits, and cash to close.
Homeowners Insurance Calculator
Estimate annual premium, monthly escrow impact, deductible, tax, HOA, and housing add-ons.
HELOC Payment Calculator
Estimate interest-only HELOC payment, repayment-period payment, CLTV, fees, and available home equity.
Cash-Out Refinance Calculator
Estimate cash-out refinance loan amount, payment, CLTV, usable cash, closing costs, and equity remaining.
Home Equity Loan Calculator
Estimate fixed home equity loan payment, total interest, fees, CLTV, and available equity.
Home Sale Proceeds Calculator
Estimate seller net proceeds after mortgage payoff, commission, seller costs, repairs, concessions, and tax reserve.
Capital Gains Tax Calculator
Estimate taxable gain and a planning tax reserve from sale price, basis, selling costs, exclusion, and tax rates.
Life Insurance Calculator
Estimate a coverage gap from income replacement, debts, mortgage, savings, and existing coverage.
Renters Insurance Calculator
Estimate monthly renters premium, deductible pressure, personal property coverage, and rent budget.
Health Insurance Cost Calculator
Estimate premium, deductible, out-of-pocket max, expected care cost, employer contribution, and HSA offset.
Disability Insurance Calculator
Estimate income protection gaps from monthly income, expenses, emergency savings, waiting period, employer benefits, and taxes.
Umbrella Insurance Calculator
Estimate liability coverage gaps from home equity, savings, investments, future income exposure, existing limits, and premium.
Pet Insurance Calculator
Estimate pet insurance cost from premium, deductible, reimbursement rate, vet bills, wellness add-ons, and emergency fund.
Travel Insurance Calculator
Estimate trip insurance cost from trip price, premium, medical coverage, cancellation coverage, deductible, and emergency cash.
Dental Insurance Calculator
Estimate dental insurance cost from premium, deductible, annual maximum, preventive care, treatment, and orthodontia.
Vision Insurance Calculator
Estimate vision insurance cost from premium, exam copay, frame allowance, lens allowance, contacts, and eyewear costs.
Long-Term Care Insurance Calculator
Estimate projected care costs, daily benefits, elimination period exposure, and long-term care funding gaps.
HSA Contribution Calculator
Estimate remaining HSA room, monthly contribution target, employer contribution impact, and tax savings.
401(k) Contribution Calculator
Estimate payroll contributions, employer match, monthly deduction, and 2026 limit room.
IRA Contribution Calculator
Estimate 2026 IRA room, monthly contribution target, unused room, and potential tax savings.
Roth Conversion Calculator
Estimate conversion tax, outside-cash impact, future Roth value, and a traditional account comparison.
Retirement Withdrawal Calculator
Stress-test retirement withdrawals against balance, spending, inflation, taxes, returns, and time horizon.
Self-Employment Tax Calculator
Estimate 1099 net profit, self-employment tax, simplified income tax, remaining tax, and quarterly set-aside.
Quarterly Tax Payment Calculator
Estimate each remaining quarterly payment from income, expenses, withholding, credits, and payments already made.
Sales Tax Calculator
Estimate sales tax collected, marketplace tax already handled, and net tax to set aside for small business orders.
Profit Margin Calculator
Calculate gross margin, markup, profit after overhead, break-even sales, and target-profit revenue.
Business Loan Calculator
Estimate small-business loan payment, total interest, fees, cash received, and DSCR planning pressure.
Cash Flow Calculator
Estimate net monthly cash flow, burn rate, runway, tax set-aside, debt pressure, and buffer months.
Tax Refund Estimator
Estimate a federal refund or amount due from expected tax, withholding, payments, credits, and adjustments.
W-4 Withholding Calculator
Estimate extra federal withholding per paycheck from annual tax, withholding to date, and paychecks remaining.
Compound Interest Calculator
Project future value with starting balance, monthly contributions, return, and time.
CD Calculator
Estimate certificate of deposit maturity value, interest earned, early withdrawal penalty, and effective yield.
ROI Calculator
Estimate return on investment and compare gain against cost.
Savings Calculator
Plan savings targets with deposits, time horizon, and estimated growth.
Inflation Calculator
Estimate how purchasing power changes over time.
Rent Affordability Calculator
Compare rent, utilities, debt payments, and savings against monthly income.
Budget Calculator
Plan monthly income across needs, wants, debt payments, and savings goals.
Calculator guides
Use these short guides when you need context before trusting a result or comparing scenarios.
How to estimate a mortgage payment
Add taxes, insurance, HOA, and PMI instead of looking only at principal and interest.
How to estimate mortgage affordability
Compare income, debt, down payment, closing cash, and monthly housing pressure.
Debt-to-income ratio before applying
Calculate front-end and back-end DTI before a mortgage, auto loan, personal loan, or consolidation offer.
How PMI changes mortgage payment
Compare down payment size, PMI, cash to close, reserves, and monthly housing pressure.
How to estimate buyer closing costs
Separate down payment from lender fees, title costs, prepaids, escrow, and reserves.
How property tax changes mortgage payment
Estimate local tax, assessed value, escrow, reassessment risk, and monthly payment impact.
Escrow shortage after tax or insurance changes
Separate new base escrow from temporary shortage repayment before reacting to a higher mortgage payment.
Mortgage payoff with extra payments
Compare extra principal, lump-sum prepayments, interest savings, and target payoff timing.
Mortgage points break-even
Compare discount points, rate buydown savings, upfront cost, APR, and expected loan hold.
ARM mortgage payment shock
Compare initial ARM payment, reset payment, balance at reset, caps, and refinance timing.
How homeowners insurance changes mortgage payment
Compare annual premium, deductible, coverage, escrow, and renewal risk.
How to estimate refinance break-even
Compare closing costs, monthly savings, break-even time, and term reset risk.
HELOC draw vs repayment payment
Compare interest-only draw payments, repayment-period payments, variable-rate risk, and CLTV.
Cash-out refinance payment and CLTV
Compare cash received, new loan amount, payment, closing costs, CLTV, and equity remaining.
Rent vs buy homeownership cost
Compare rent, full owner monthly cost, equity, time horizon, and down-payment opportunity cost.
Home equity loan payment and CLTV
Estimate fixed payment, total interest, fees, available equity, and HELOC comparison.
Home sale proceeds seller net sheet
Estimate cash after payoff, commission, closing costs, repairs, concessions, and tax reserve.
Capital gains taxable gain and reserve
Estimate taxable gain, exclusion impact, and federal or state tax reserve before selling.
How to estimate a car payment
Compare vehicle price, down payment, trade-in value, sales tax, APR, and dealer financing.
Auto loan refinance break-even
Compare payoff balance, new APR, fees, monthly savings, and how long you will keep the car.
How much car can I afford?
Use income, debt, insurance, fuel, down payment, APR, and loan term before choosing a vehicle price.
Auto insurance monthly premium and deductible
Convert a 6-month quote into monthly premium, annual cost, deductible pressure, and total car cost.
Investment future value with monthly contributions
Compare starting balance, monthly investment, expected return, time horizon, fees, taxes, and inflation.
ROI vs CAGR for investment returns
Use total return and annualized growth without mixing reporting metrics.
Emergency fund savings goal
Estimate essential expenses, monthly deposits, starter milestones, and savings timeline.
CD maturity, interest, and penalty
Estimate CD maturity value, APY impact, and early withdrawal penalty before locking cash.
Inflation vs salary raise
Compare nominal pay increases with real purchasing power and household cost pressure.
How much rent can I afford?
Compare rent, utilities, debt, deposits, savings, and monthly income before applying.
50/30/20 monthly budget
Use needs, wants, savings, and debt payoff as a practical monthly budget reference.
How to compare loan terms
Balance payment size against total interest, fees, repayment, and payoff speed.
APR, interest rate, and fees
Understand why fee-adjusted APR can be higher than the stated interest rate.
How to compare two loan offers
Compare APR, term, payment, fees, and total borrowing cost before choosing a lender.
Personal loan payment, APR, and fees
Compare personal loan payment, total interest, fees, net proceeds, and extra-payment savings.
Debt consolidation calculator guide
Compare credit card payoff with consolidation loan APR, fees, payment, and total savings.
Student loan payoff with extra payments
Estimate payoff time, total interest, target payoff payment, and extra-payment savings.
Student loan refinance savings
Compare current payment, new payment, total cost, fees, and federal benefit tradeoffs.
How extra loan payments save interest
Compare payoff time, interest savings, and principal-only payment rules.
How to pay off credit card debt faster
Compare APR, payment size, extra payments, payoff time, and interest savings.
How to estimate balance transfer savings
Compare transfer fees, promotional APR, payoff deadline, and post-promo interest risk.
Debt consolidation loan vs credit card payoff
Compare loan APR, fees, term length, monthly payment, total interest, and card reuse risk.
Debt snowball vs avalanche
Choose a payoff method by comparing interest cost, motivation, balances, and APR.
Estimate retirement savings with compound interest
Compare monthly contributions, time horizon, return assumptions, fees, and inflation.
401(k) employer match calculator guide
Estimate contribution percentage, employer match, payroll deduction, and annual limit room.
IRA contribution limits and monthly savings
Compare 2026 IRA room, catch-up amount, monthly savings target, and unused room.
Roth conversion tax comparison
Estimate conversion tax, outside-cash impact, future Roth value, and traditional after-tax value.
Retirement withdrawal stress test
Test portfolio withdrawals with inflation, taxes, returns, spending, and time horizon assumptions.
Health insurance premium, deductible, and HSA
Compare premium, deductible, out-of-pocket max, employer contribution, and HSA offset.
HSA contribution and tax savings
Estimate HSA room, employer money, monthly target, medical reserve, and tax-savings assumptions.
Life insurance coverage gap
Estimate income replacement, debts, mortgage, education goals, savings, and current coverage.
Disability income protection gap
Estimate income replacement, employer disability benefits, waiting-period cash needs, and private coverage gaps.
Umbrella liability coverage gap
Estimate umbrella policy needs from assets, income exposure, existing liability limits, and annual premium.
Pet insurance deductible and reimbursement
Compare pet insurance premium, deductible, reimbursement, expected vet bills, wellness add-ons, and emergency cash.
Travel insurance cost and medical coverage
Compare trip cost, premium, medical limits, cancellation coverage, deductible, and emergency cash.
Dental insurance annual maximum
Compare premium, deductible, annual maximum, preventive care, coinsurance, waiting periods, and orthodontia.
Vision insurance glasses and contacts
Compare premium, exam copay, frame allowance, lens allowance, contacts allowance, and eyewear costs.
Long-term care daily benefit and gap
Compare projected care cost, daily benefit, benefit period, elimination period, savings, and uncovered care gap.
Renters insurance cost and coverage
Estimate renters premium, personal property coverage, liability, deductible, and rent-budget impact.
Self-employment tax for 1099 income
Estimate net profit, SE tax, income tax, deductions, and quarterly set-aside.
Quarterly estimated tax payments
Estimate remaining quarterly payments after withholding, credits, and payments already made.
Small business sales tax estimate
Separate taxable sales, exempt sales, marketplace collection, and net tax to set aside.
Profit margin, markup, and break-even
Compare gross margin, markup, overhead, break-even sales, and target-profit revenue.
Business loan payment and DSCR
Estimate loan payment, interest, fees, usable cash, and debt-service coverage pressure.
Cash flow runway and burn rate
Estimate monthly cash flow, burn rate, runway, debt payments, tax reserve, and buffer months.
Estimate tax refund or amount due
Compare expected tax with withholding, payments, refundable credits, and adjustments.
Adjust W-4 withholding per paycheck
Translate an annual tax target into extra withholding across remaining paychecks.
How monthly contributions change compound interest
Compare deposits, future value, and estimated growth share.
How to use online calculators safely
Change one input at a time
Adjust rate, term, payment, or contribution separately so you know what changed the result.
Compare total cost
A smaller monthly payment can still mean more interest or higher total repayment.
Treat assumptions as assumptions
Rates, taxes, returns, insurance, and fees can change. Use ranges, not one perfect number.
Educational estimates only
These calculators are for planning and comparison. Confirm final rates, fees, taxes, insurance, terms, and legal or financial obligations with qualified professionals and official documents.