Smart Financial Calculators
Free, accurate tools to help you plan your mortgage, grow your savings, pay off debt, and make confident financial decisions.
Loans & Mortgages
View all →Calculate payments, interest, and amortization for all types of loans.
Mortgage
Calculate your monthly mortgage payment, total interest, and view a full amortization schedule for your home loan.
Loan Comparison
Compare two or more loan offers side by side to find the best deal based on total cost and monthly payments.
Auto Loan
Calculate your monthly car payment, total interest cost, and view the full amortization schedule for your auto loan.
Home Affordability
Find out how much house you can afford based on your income, debts, down payment, and interest rate using the 28/36 rule.
Amortization
Generate a complete amortization schedule for any loan. See how each payment splits between principal and interest over the life of your loan.
Down Payment
Calculate how much down payment you need for a home, compare PMI costs at different percentages, and see how long it takes to save your target amount.
House Payment
Calculate your total monthly house payment including principal, interest, property taxes, insurance, and PMI. See how each component adds up.
Car Affordability
Find out how much car you can afford based on your income, expenses, and down payment. Uses the 20/4/10 rule to recommend a safe vehicle budget.
Lease vs Buy Car
Compare the total cost of leasing vs buying a car over 3-6 years. See monthly payments, equity, and which option saves you more money.
Refinance
Calculate how much you could save by refinancing your mortgage. Compare your current loan to a new rate and see monthly savings, break-even point, and total interest saved.
Savings & Investment
View all →Plan your savings goals, investment growth, and retirement funds.
Compound Interest
See how your money grows over time with compound interest. Compare different compounding frequencies and contribution schedules.
Savings Goal
Figure out how much you need to save each month to reach your financial goal by your target date.
Investment Return
Calculate the total return and annualized performance of your investments including dividends and contributions.
CD Interest
Calculate how much interest you'll earn on a Certificate of Deposit based on deposit amount, term, APY, and compounding frequency.
ROI
Calculate your return on investment for any project or asset. Compare initial costs, ongoing expenses, and revenue to find total and annualized ROI.
Dividend
Calculate dividend income, yield, and growth over time. See how reinvesting dividends with DRIP accelerates portfolio growth and compounds your returns.
Simple Interest
Calculate simple interest on loans or investments. Enter principal, rate, and time to see total interest earned, final amount, and daily interest accrual.
Debt Management
View all →Strategize your debt payoff and understand the true cost of borrowing.
Debt Payoff
Create a debt payoff plan using avalanche or snowball methods. See exactly when you'll be debt-free.
Credit Card Payoff
Calculate how long it takes to pay off credit card debt and how much interest you'll pay with minimum vs. fixed payments.
Student Loan
Calculate your student loan monthly payment, total interest cost, and payoff timeline. Compare standard, graduated, and accelerated repayment plans.
Debt-to-Income
Calculate your debt-to-income ratio (DTI) to see how lenders evaluate your finances. Compare front-end and back-end DTI against mortgage qualification thresholds.
Financial Planning
View all →Budget, plan for emergencies, and make informed financial decisions.
Retirement
Estimate how much you need to save for retirement and whether you're on track to meet your goals.
Emergency Fund
Determine how much you should have in your emergency fund based on your monthly expenses and risk factors.
Basic
A simple everyday calculator for quick math — addition, subtraction, multiplication, division, percentages, and more.
50/30/20 Budget
Apply the 50/30/20 budget rule to your income. See exactly how much to allocate to needs, wants, and savings each month.
Rent vs Buy
Compare the true cost of renting vs buying a home over time. See your break-even point and which option builds more wealth.
FIRE
Calculate your Financial Independence, Retire Early (FIRE) number. See how soon you can reach financial freedom based on savings rate and expenses.
Income Tax
Estimate your federal income tax for 2026 based on filing status, income, deductions, and credits. See your effective and marginal tax rates.
Net Worth
Calculate your net worth by adding up all assets and subtracting liabilities. Track your financial health over time.
Paycheck
Estimate your take-home pay after federal and state taxes, Social Security, Medicare, and retirement contributions from each paycheck.
Inflation
Calculate how inflation erodes purchasing power over time. See the future cost of goods and the real value of your savings at any inflation rate.
Salary to Hourly
Convert your annual salary to an hourly rate, see your effective rate after PTO, and view a full pay period breakdown with after-tax estimates.
Tip
Calculate the right tip amount for any service. Split bills among multiple people and see per-person totals with customizable tip percentages.
Break-Even
Calculate your break-even point in units and revenue. See how fixed costs, variable costs, and price per unit determine when your business starts turning a profit.
Capital Gains Tax
Estimate your capital gains tax on stocks, real estate, and other investments. Compare short-term vs long-term rates and see your net profit after taxes.
Self-Employment Tax
Calculate your self-employment tax (Social Security and Medicare) as a freelancer or 1099 contractor. See your SE tax, deductible half, and quarterly estimated payments.
Hourly to Salary
Convert your hourly wage to an annual salary, see gross and net pay at every frequency, and model overtime earnings with a full reference table.
Profit Margin
Calculate gross, operating, and net profit margins from revenue and costs. Compare margin scenarios and see how pricing changes affect your bottom line.
Financial Guides
View all →In-depth articles with real numbers, case studies, and actionable advice.
How Much House Can I Afford? Complete Guide by Income Level
Learn exactly how much home you can afford based on your salary, debts, and down payment. Includes income-based tables, a real case study, and the formulas lenders actually use.
Pay Off Mortgage Early vs Invest: The Math Behind the Decision
Should you pay off your mortgage early or invest the extra money? We run the real numbers at today's rates so you can see exactly which option builds more wealth.
How to Save $50,000 in 3 Years: A Realistic Plan
A step-by-step plan to save $50,000 in 3 years on an average salary. Includes monthly targets, budget breakdowns, a real case study, and strategies that actually work.
15-Year vs 30-Year Mortgage: Which Saves You More Money?
Compare 15-year vs 30-year mortgages with real numbers on a $350K loan. See monthly payments, total interest, break-even analysis, and who should choose each term.
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