Finance Calculators

🏠 Mortgage CalculatorMonthly payment, amortization table, and total interest 🔄 Refinance CalculatorBreak-even point and lifetime interest savings 🏡 Home Affordability CalculatorMax home price using front-end (28%) and back-end (43%) DTI rules 💰 HELOC CalculatorHome equity line of credit borrowing limit 🏦 Down Payment CalculatorSavings timeline to reach your down payment goal 📋 Amortization ScheduleFull month-by-month loan payment table 🛡️ PMI CalculatorMonthly PMI cost and when it drops off at 80% LTV 📉 Mortgage Points CalculatorBreakeven and savings from buying down your rate 📅 Biweekly Mortgage CalculatorYears saved and interest savings vs monthly payments 🏠 Rent vs. Buy CalculatorNet worth comparison — breakeven year and 10-yr outcome 🏦 Closing Cost CalculatorItemized buyer closing costs with negotiable vs. fixed labels ⚖️ Mortgage Comparison CalculatorCompare two loan offers — rate, APR, total cost 🏦 FHA vs Conventional CalculatorSide-by-side cost comparison by credit score and down payment 📊 Credit Score Mortgage Rate CalculatorSee how your credit score affects rate and total interest 📐 Mortgage DTI CalculatorDebt-to-income ratio and maximum loan you qualify for 🛡️ PMI Removal CalculatorWhen you can cancel PMI and how much you save by acting early 💰 Home Equity Loan vs HELOC CalculatorSide-by-side cost comparison of fixed loan vs revolving credit line 🏛️ Jumbo Loan CalculatorExtra cost of a jumbo mortgage vs a conforming loan

💳 Loan CalculatorMonthly payment and interest for any personal loan 🚗 Auto Loan CalculatorCar payment, total cost, and dealer financing comparison 📐 APR CalculatorTrue annual percentage rate including fees 💸 Debt Payoff CalculatorAvalanche vs snowball method comparison 💳 Credit Card Payoff CalculatorTime and interest to pay off your balance 📊 Debt-to-Income CalculatorDTI ratio for mortgage and loan approval 🔀 Debt Consolidation CalculatorCompare consolidation loan vs. current debts 🎓 Student Loan CalculatorMonthly payment, total interest, and payoff date 💰 Personal Loan CalculatorMonthly payment, total interest by credit score, vs credit card ❄ Debt Avalanche vs Snowball CalculatorSide-by-side payoff plan — interest saved and months to debt-free 🔁 Auto Loan Refinance CalculatorMonthly savings, break-even months, and net interest saved

🔄 Dividend Reinvestment CalculatorDRIP compound growth — shares, income, and final value 💸 Investment Fee CalculatorTrue dollar cost of expense ratios over 10–30 years ⚡ Lump Sum vs. DCA CalculatorCompare investing all at once vs. spreading over months 💹 Dividend Yield CalculatorStock yield, annual income, and yield-on-cost projection 📊 Inflation-Adjusted Return CalculatorReal return after inflation and tax drag on any investment 🔍 Stock Intrinsic Value CalculatorDCF and Graham Number valuation for any stock ⚖ ETF vs Mutual Fund CalculatorCompare expense ratio and tax drag over 10–30 years 📊 Index Fund CalculatorDollar cost of expense ratio drag — low-cost vs high-cost fund 💸 Tax-Loss Harvesting CalculatorTax saved by offsetting gains with losses — with carryforward 📊 P/E Ratio CalculatorPrice-to-earnings vs sector averages, PEG ratio, and implied fair value 📚 Price-to-Book CalculatorP/B ratio, Graham Number, and ROE-implied fair value 📈 EPS Growth CalculatorProject future earnings per share and implied stock price at exit P/E 📊 Sector Diversification CalculatorCompare your sector weights to S&P 500 benchmark and get a concentration risk score 💰 Windfall Investment CalculatorLump sum vs. DCA comparison, opportunity cost, and tax-efficient deployment order 🌍 International Allocation CalculatorHome bias score, geographic allocation vs. global market weights, and scenario comparison

📈 Compound Interest CalculatorGrowth over time with regular contributions 📈 Dollar-Cost Averaging CalculatorMonthly investment growth with year-by-year chart 📊 Stock Return CalculatorTotal return, CAGR, and dividends for any position ⚖️ Portfolio Rebalancing CalculatorDrift analysis and buy/sell action table 📊 Investment Return CalculatorTotal return, annualized ROI, and gain/loss 🏦 Retirement CalculatorNest egg projection and monthly savings needed 💼 401(k) CalculatorBalance growth with employer match over time 🌱 Roth IRA CalculatorTax-free growth projection to retirement 💸 Retirement Withdrawal CalculatorHow long savings last at any withdrawal rate 📋 RMD CalculatorRequired minimum distribution from IRS table 🛡️ Social Security CalculatorMonthly benefit at 62, 67, or 70 — with breakeven 🔄 Roth Conversion CalculatorTax cost, breakeven, and after-tax value vs. traditional IRA 🎯 FIRE Number CalculatorFinancial independence target and years to reach it 💵 Retirement Income CalculatorMonthly income from portfolio at any withdrawal rate 🔐 Safe Withdrawal Rate CalculatorHow long your portfolio lasts at 3%, 4%, or 5% withdrawal 📉 Retirement Income Gap CalculatorGap between expenses and Social Security + pension income 📊 Sequence of Returns CalculatorEarly bear vs. early bull — how return order wrecks portfolios 💰 Catch-Up Contribution CalculatorExtra 401k & IRA savings at 50+, including SECURE 2.0 super catch-up 📋 Retirement Tax CalculatorSS taxation, bracket room for Roth conversions, and IRMAA thresholds 👫 Spousal Social Security CalculatorHousehold SS income, spousal benefit, survivor benefit at different ages 📅 72(t) SEPP CalculatorPenalty-free IRA withdrawals before 59½ — all three IRS-approved methods 🏥 Healthcare in Early Retirement CalculatorCOBRA vs ACA costs and subsidy estimate from retirement to Medicare at 65 💼 Part-Time Work in Retirement CalculatorHow part-time income extends portfolio longevity — years gained comparison 🐷 Savings Goal CalculatorMonthly amount needed to hit your target 🛡️ Emergency Fund Calculator3–6 month expense buffer and savings timeline 🐷 Sinking Fund CalculatorMonthly savings needed to reach a goal by target date 🔢 Simple Interest CalculatorInterest = principal × rate × time ⏪ Present Value CalculatorWhat a future sum is worth in today's dollars ⏩ Future Value CalculatorWhat today's money grows to over time 📆 Annuity CalculatorPresent and future value of periodic payments 💹 Dividend CalculatorAnnual dividend income, yield, and DRIP growth

🧾 Tax Bracket Calculator2025 federal brackets, marginal and effective rate 🗂️ Income Tax CalculatorFederal tax liability, refund or amount owed 💵 Take-Home Pay CalculatorAnnual net pay after federal taxes and FICA 🧮 Paycheck CalculatorPer-period net pay with full tax breakdown 🏢 Self-Employment Tax CalculatorSE tax, deduction, and quarterly payment amounts 💼 Side Hustle Tax CalculatorTotal tax, quarterly payments, and take-home from 1099 income 🏷️ Sales Tax CalculatorAdd sales tax to a price or reverse-calculate it ⏰ Hourly to Salary CalculatorConvert hourly wage to annual, monthly, weekly pay 📅 Salary to Hourly CalculatorBreak down annual salary to hourly rate ⚖️ Salary Comparison CalculatorCompare two job offers side by side after tax ⏱️ Overtime CalculatorOT pay at 1.5× and total weekly earnings

📈 ROI CalculatorReturn on investment percentage and net gain 💰 Profit Margin CalculatorGross, net, and operating margin from revenue ⚖️ Break-Even CalculatorUnits and revenue needed to cover fixed costs 🏷️ Markup CalculatorSelling price, markup %, and gross profit 📊 CAGR CalculatorCompound annual growth rate between two values ⏳ Payback Period CalculatorTime to recover an initial investment 💎 Net Worth CalculatorTotal assets minus liabilities 📐 Rule of 72 CalculatorYears to double money at a given interest rate

🍽️ Tip CalculatorTip amount and per-person split for any bill 👥 Bill Split CalculatorDivide shared expenses fairly among a group 🏷️ Discount CalculatorFinal price after a percentage or dollar discount ✂️ Percentage Off CalculatorHow much you save on a sale price 📉 Inflation CalculatorCPI-based purchasing power change over any period 🛒 Purchasing Power CalculatorReal value of money adjusted for inflation 📊 50/30/20 Budget CalculatorSplit income into needs, wants, and savings 📈 Credit Score Improvement CalculatorUtilization paydown impact and estimated score range gain 💍 Wedding Budget CalculatorCategory-by-category wedding budget breakdown by guest count 👶 Childcare Cost CalculatorTrue net childcare cost after FSA and Dependent Care tax credit 🛡️ Disability Insurance CalculatorCoverage gap, savings runway, and estimated premium for LTD 💱 Currency ConverterLive exchange rates for 150+ currencies