15-Year vs 30-Year Mortgage Comparison Calculator
Compare 15-year vs 30-year mortgage payments, total interest, and savings side by side. See how much you save with a shorter term and decide which is right for you.
Free Financial Calculators
480 toolsTake control of your finances with our free financial calculators. Whether you're planning a mortgage, comparing loan options, or projecting investment growth, these tools give you accurate answers in seconds.
Mortgages
28 calculatorsMortgage payment and affordability tools.
Adjustable-Rate Mortgage (ARM) Calculator
Calculate ARM payments through the intro period and after each rate adjustment. See potential payment shock and compare total cost vs a fixed-rate mortgage.
Amortization Schedule Calculator
Generate a full amortization schedule showing each payment broken down into principal and interest. Supports monthly and biweekly frequencies.
ARM Adjustment Calculator
Calculate your new ARM payment after the fixed period ends. See worst-case, expected, and best-case scenarios with rate caps and remaining balance.
Balloon Mortgage Calculator
Calculate your balloon mortgage payment and the large lump sum due at maturity. See the balloon balance, amortization during the term, and total interest cost.
Biweekly Mortgage Payment Calculator
Calculate how biweekly mortgage payments save interest and shorten your loan term. See years saved and total interest reduction compared to monthly payments.
Bridge Loan Calculator
Calculate bridge loan costs including interest-only payments, origination fees, and total financing cost. See the true price of bridging the gap between home purchases.
Construction Loan Calculator
Calculate construction loan interest costs during the build phase with multiple draws. See interest-only payments, total construction cost, and permanent loan transition.
Escrow Payment Calculator
Calculate your monthly escrow payment for property taxes, homeowners insurance, and PMI. See escrow analysis with cushion, shortage, and surplus scenarios.
Extra Mortgage Payment Calculator
See how extra mortgage payments reduce your loan term and save interest. Model one-time, monthly, or annual extra payments and compare to your original schedule.
FHA Loan Calculator
Calculate FHA loan payments including upfront and annual mortgage insurance premiums. See total MIP cost and compare FHA vs conventional loan options.
Fixed-Rate Mortgage Calculator
Calculate your fixed-rate mortgage payment, total interest, and amortization schedule. Compare 10, 15, 20, 25, and 30-year fixed loan terms.
HELOC Payment Calculator
Calculate your HELOC payments during the draw period (interest-only) and repayment period (fully amortizing). See total interest cost and payment transitions.
Interest-Only Mortgage Calculator
Calculate interest-only mortgage payments during the IO period and see the payment jump when amortization begins. Compare total cost to a standard mortgage.
Jumbo Loan Calculator
Calculate jumbo mortgage payments for loans above conforming limits. Compare jumbo vs conforming rates and see total cost differences on high-value properties.
Land Contract Payment Calculator
Calculate land contract payments with optional balloon payment. See monthly cost, amortization, total interest, and balloon balance for seller-financed purchases.
Mortgage Calculator
Calculate your monthly mortgage payment, total interest paid, and payoff date. Compare 15 vs 30-year loans and see how extra payments save you thousands.
Mortgage Comparison Calculator
Compare up to 3 mortgage scenarios side by side. See monthly payments, total interest, total cost, and savings to find the best loan option.
Mortgage Insurance Removal Calculator
Calculate when you can remove PMI from your mortgage. Factor in amortization and home appreciation to find your earliest removal date and total savings.
Mortgage Payoff Calculator
Calculate how fast you can pay off your mortgage with extra payments. See the new payoff date, years saved, and total interest saved with lump-sum or recurring extras.
Mortgage Points Break-Even Calculator
Calculate when buying mortgage points pays off. Compare 0, 1, and 2 point scenarios side by side to find your break-even month and total interest savings.
PITI Payment Calculator
Calculate your full PITI mortgage payment — principal, interest, property taxes, and insurance — plus PMI if applicable. See the total monthly housing cost.
PMI Calculator
Calculate your private mortgage insurance (PMI) cost based on loan-to-value ratio and credit score. See when PMI drops off and how much it adds to your monthly payment.
Reverse Mortgage Calculator
Estimate reverse mortgage proceeds based on your age, home value, and interest rate. See how much you could receive as a lump sum, line of credit, or monthly payments.
Second Mortgage Calculator
Calculate your second mortgage payment and combined loan-to-value ratio. See total monthly payments across both loans and combined interest costs.
Seller Financing Calculator
Calculate seller financing payments, total interest earned, and cash flow for both buyer and seller. Model custom terms with optional balloon payment.
USDA Loan Calculator
Calculate USDA loan payments with zero down payment, upfront and annual guarantee fees. Check eligibility requirements and compare costs to FHA and conventional.
VA Loan Calculator
Calculate VA loan payments with the VA funding fee. See zero-down payment options, compare first-use vs subsequent-use fees, and estimate total loan costs.
Loans
68 calculatorsLoan payment, APR, and debt payoff calculators.
401(k) Loan Calculator
Calculate 401(k) loan repayment, interest paid back to yourself, and the opportunity cost of lost market returns. See the true cost of borrowing from retirement.
Amortization Calculator
Calculate loan amortization schedules showing monthly payment breakdown of principal, interest, extra payments, and remaining balance over time.
APR Calculator
Calculate the Annual Percentage Rate (APR) for any loan including fees, points, and closing costs to reveal the true cost of borrowing.
APR vs APY Calculator
Convert between APR and APY. Understand how compounding frequency affects interest rates on loans and savings.
APY Calculator
Calculate Annual Percentage Yield (APY) from nominal interest rate and compounding frequency. Compare savings growth across compounding periods.
ARM Mortgage Calculator
Calculate adjustable-rate mortgage payments for fixed and adjusted periods. Compare ARM vs fixed-rate scenarios with rate caps and payment projections.
Auto Lease vs Buy Calculator
Compare the total cost of leasing vs buying a vehicle over the same period. See monthly payments, total cost, and which option saves you more money.
Auto Loan Calculator
Calculate auto loan payments including vehicle price, down payment, trade-in value, sales tax, and fees. See total cost of ownership over the loan term.
Balloon Payment Calculator
Calculate balloon payments on loans with shorter terms than amortization periods. See the lump sum due, interest paid, and compare different balloon terms.
Bi-Weekly Mortgage Payment Calculator
Calculate bi-weekly mortgage payments and see how much interest and time you save compared to monthly payments. Includes escrow, year-by-year balance comparison.
Boat Loan Calculator
Calculate boat loan payments, total ownership cost including insurance, storage, and maintenance. See depreciation, equity, and term comparisons.
Break-Even Refinance Calculator
Calculate exactly when refinancing pays for itself. Find the break-even month where cumulative savings exceed closing costs for any loan refinance.
Business Loan Calculator
Calculate business loan payments, total cost, DSCR, and affordability. Compare SBA, term, equipment, and line of credit options.
Buy Here Pay Here Auto Loan Calculator
Calculate the true cost of buy here pay here dealer financing vs traditional auto loans. See how high interest rates and inflated prices increase total cost.
Car Loan EMI Calculator
Calculate car loan EMI (Equated Monthly Installment) with principal, interest breakdown, processing fees, and term comparison. Supports INR and USD.
Carried Interest Calculator
Calculate carried interest (carry) for private equity, venture capital, and hedge funds. Model GP/LP distributions with hurdle rates, catch-up, and waterfall structures.
Cash Flow to Debt Ratio Calculator
Calculate cash flow to debt ratio, free cash flow to debt, DSCR, and implied credit rating. Includes sensitivity analysis and rating benchmarks.
Cash-Out Refinance Calculator
Calculate cash-out refinance proceeds, new payment, LTV, and compare costs against your current mortgage. See PMI thresholds and scenario analysis.
Compound Interest on Loans Calculator
See how compounding frequency affects loan costs. Calculate compound interest for any loan with daily, monthly, quarterly, or annual compounding.
Cosigner Impact Calculator
Compare loan terms with and without a cosigner. See how a cosigner's higher credit score can lower your interest rate, reduce payments, and save thousands.
Coupon Payment Calculator
Calculate bond coupon payments, current yield, yield to maturity, and after-tax income. View payment schedule and income breakdown.
Credit Spread Calculator
Calculate credit spread in basis points, implied default probability, DV01, and price sensitivity. Compare against rating benchmarks.
Debt Calculator
Calculate total debt payoff time, interest costs, and savings with extra payments. Compare avalanche vs snowball strategies for multiple debts.
Debt Payoff Calculator
Calculate debt payoff time with extra payments, total interest cost, and required payment for a goal date. Compare extra payment scenarios.
Debt-to-Capital Ratio Calculator
Calculate debt-to-capital, debt-to-equity, LT debt-to-capital, and interest coverage ratios. Compare against industry benchmarks.
Economic Injury Disaster Loan (EIDL) Calculator
Model SBA EIDL repayment for existing loans. Estimate monthly payments, deferment impact, and long-term cost for existing EIDL scenarios.
Extra Payment Impact Calculator
See how extra loan payments save thousands in interest and shorten your payoff date. Compare monthly, annual, and one-time extra payment strategies.
HELOC Calculator
Calculate HELOC interest-only and repayment payments, maximum borrowing capacity, CLTV, total interest cost, and rate sensitivity analysis.
Home Improvement Loan Calculator
Calculate home improvement loan payments, total cost, and ROI analysis. Compare loan terms and see project value added vs interest cost.
Home Loan Calculator
Calculate home loan payments including P&I, tax, insurance, PMI, and HOA. Compare down payment scenarios and view annual amortization schedules.
Home Loan EMI Calculator
Calculate home loan EMI (Equated Monthly Installment), total interest, prepayment savings, and year-by-year amortization. Use it for general planning in INR or USD.
Home Mortgage Calculator
Calculate mortgage payments for Conventional, FHA, VA, and Jumbo loans. Compare loan types, view equity timeline, and analyze term options.
Installment Loan Calculator
Calculate monthly payments, total interest, and a full amortization schedule for any fixed installment loan. Works for personal, auto, student, and other loan types.
Interest Coverage Ratio Calculator
Calculate interest coverage ratio (ICR), EBITDA coverage, fixed charge coverage, and implied credit rating. Includes EBIT sensitivity analysis.
Interest Rate Converter
Convert between nominal, effective, APR, APY, periodic, and continuous interest rates. Supports any compounding frequency for loans and investments.
Line of Credit Payment Calculator
Calculate monthly payments on a line of credit with interest-only or amortizing repayment. Model variable draws and balances for HELOC, business LOC, or personal lines.
Loan Amortization Generator
Generate a full period-by-period amortization schedule for any loan. See payment, principal, interest, and remaining balance for monthly, biweekly, or weekly payments.
Loan Balance Calculator
Calculate remaining loan balance at any point in time. See equity progress, payoff acceleration with extra payments, and payment history breakdown.
Loan Calculator
Calculate loan payments for any amount, rate, and term. Supports monthly, bi-weekly, and weekly frequencies. Includes origination fees, extra payments, and amortization.
Loan Comparison Calculator
Compare up to 4 loan offers side by side on APR, monthly payment, total interest, and total cost. Find the cheapest loan with this free comparison tool.
Loan Origination Fee Impact Calculator
Calculate the true cost of your loan after origination fees. See your effective APR and how much fees add to the total borrowing cost over the loan term.
Loan Payment Calculator
Calculate monthly payments, total interest, and payoff schedule for any fixed-rate loan — personal, auto, student, or business. Compare loan terms and see amortization details.
Loan Payoff Date Calculator
Find out exactly when your loan will be paid off. Enter your balance, rate, and payment to calculate your payoff date and total interest paid.
Loan Refinance Savings Calculator
Compare remaining cost of your current loan vs refinancing. Calculate net savings, break-even month, and total cost including closing fees for any loan type.
Margin Loan Calculator
Calculate margin loan interest, maintenance margin requirements, and margin call trigger prices. Understand the risks and costs of borrowing on margin.
Mortgage Acceleration Calculator
Calculate how extra payments, bi-weekly schedules, and lump sums accelerate mortgage payoff. Compare strategies and see interest saved.
Mortgage Amortization Calculator
Generate complete mortgage amortization schedules — annual or monthly. See principal vs interest breakdown, crossover point, and cumulative interest over time.
Mortgage Extra Payments Calculator
Calculate exact savings from extra mortgage payments — monthly, bi-weekly, quarterly, or annually. Compare scenarios and see ROI on prepayment.
Mortgage Penalty Calculator
Calculate mortgage prepayment penalties — percentage, months of interest, or flat fee. Includes break-even analysis and refinance comparison.
Mortgage Prepayment Calculator
Calculate mortgage prepayment savings from lump sums and recurring extra payments. See timing impact, lump-sum scenarios, and balance projection.
Net Debt Calculator
Calculate net debt, net debt-to-EBITDA, enterprise value, and leverage health. Includes EBITDA sensitivity analysis and cash reserve impact table.
Pag-IBIG Housing Loan Calculator
Estimate Pag-IBIG housing loan payments using salary and term assumptions. Use it as a planning aid, then confirm the current rate table and loan limits with Pag-IBIG.
Partially Amortized Loan Calculator
Calculate partially amortized loan payments and balloon balance. Compare balloon dates, see amortization progress, and evaluate refinancing needs.
Payday Loan Cost Calculator
See the true annual cost of payday loans. Calculate the annualized APR, total fees, and compare payday loan costs to alternatives like personal loans or credit cards.
Peer-to-Peer Lending Return Calculator
Calculate expected returns from P2P lending investments by risk grade. Model default rates, platform fees, and net yields across loan portfolios.
Personal Loan Calculator
Calculate personal loan payments, total interest, and total cost. Compare terms from 12–84 months with optional origination fee impact on true cost.
Post-Judgment Interest Calculator
Estimate post-judgment interest on court awards. Compare simple vs compound math, daily accrual, and jurisdiction-sensitive payoff scenarios.
Refinance Calculator
Calculate mortgage refinance savings, break-even point, and lifetime cost comparison. Includes rate sensitivity, cash-out analysis, and balance projection.
RV Loan Calculator
Calculate RV loan payments, depreciation, and equity timeline. Compare terms, see total ownership cost, and track when you emerge from underwater status.
Secured vs Unsecured Loan Calculator
Compare secured and unsecured loan costs side by side. See how collateral affects interest rates, monthly payments, and total cost of borrowing.
Simple Interest Calculator
Calculate simple interest on loans or investments. Enter principal, rate, and time to find interest earned or owed plus the total amount.
Stimulus Payment Calculator
Review the historical U.S. stimulus payment rounds (EIP1-3). Compare phaseouts, dependent amounts, and Recovery Rebate Credit context.
Student Loan Calculator
Calculate student loan payments for federal and private loans. Includes grace period, capitalized interest, and total repayment cost over 10–25 year terms.
Student Loan Forgiveness Estimator
Estimate federal student loan forgiveness under PSLF, a PAYE-style 20-year path, and an IBR-style 25-year path. Model remaining balance, optional state-tax exposure, and total cost.
Student Loan Repayment Plan Comparison
Compare common federal student loan repayment plans: Standard, Graduated, Extended, PAYE-style, and IBR-style. Estimate monthly payment, total paid, and remaining balance at forgiveness.
TDS Interest Calculator
Estimate TDS (Tax Deducted at Source) on common payment types, late-deposit interest, and penalty scenarios. Confirm the applicable section, threshold, and year before filing.
Times Interest Earned Ratio Calculator
Calculate TIE ratio, EBITDA coverage, fixed charge coverage, and implied credit rating. Includes EBIT sensitivity and interest burden scenario analysis.
Total Cost of Borrowing Calculator
Calculate the true total cost of any loan including interest, origination fees, closing costs, and all charges. See the real price of borrowing beyond the interest rate.
Investing
62 calculatorsROI, compound interest, and dividend calculators.
Alpha and Beta Calculator
Free alpha and beta calculator. Measure your portfolio's market sensitivity (beta) and excess risk-adjusted return (alpha) against a benchmark index.
Annualized Return Calculator
Free annualized return calculator. Convert cumulative investment returns into annualized rates to compare performance across different holding periods.
Annuity Calculator
Calculate the future value, present value, and payment schedule for ordinary annuities and annuities due. Includes growing annuity analysis and year-by-year breakdown.
Asset Allocation Rebalance Calculator
Calculate exactly how much to buy or sell in each asset to rebalance your portfolio to target allocations.
Beta (Stock) Calculator
Calculate a stock's beta coefficient, alpha, R-squared, and correlation from historical returns. Includes unlevered beta and CAPM expected return.
Bitcoin ETF Calculator
Project Bitcoin ETF investment returns with expense ratios, DCA contributions, volatility analysis, and tax implications. Compare NAV vs ETF performance.
Bond Yield to Maturity Calculator
Calculate bond yield to maturity (YTM), current yield, duration, and total return. Includes cash flow schedule and premium/discount analysis.
CAGR Calculator
Calculate the Compound Annual Growth Rate of any investment. Enter beginning value, ending value, and time period to find your annualized return.
Call & Put Option Calculator
Price call and put options using the Black-Scholes model. Calculate premium, Greeks (delta, gamma, theta, vega), break-even price, and P/L at expiry.
Capital Gains Tax Calculator
Estimate 2026 capital gains tax on investment sales using 2026 long-term rate tiers, an ordinary short-term rate, NIIT, and optional state tax.
CAPM Calculator
Calculate expected return using the Capital Asset Pricing Model (CAPM). Visualize the Security Market Line and project investment growth.
Compound Interest Calculator
Calculate how your savings and investments grow with compound interest. See future value, total contributions, interest earned, and a year-by-year growth breakdown.
Cost of Equity Calculator
Calculate the cost of equity using CAPM, Dividend Discount Model, and Bond Yield + Premium method. Includes sensitivity analysis and method comparison.
DCF (Discounted Cash Flow) Calculator
Calculate the intrinsic value of a company or stock using a discounted cash flow model. Includes terminal value, fair value per share, and sensitivity analysis.
Dividend Calculator
Project dividend income growth with DRIP reinvestment, monthly additions, and portfolio value. See yield on cost, income schedule, and total dividends.
Dividend Payout Ratio Calculator
Calculate the dividend payout ratio, retention ratio, FCF payout, and dividend sustainability. Compare across sectors with scenario analysis.
Dollar Cost Averaging Calculator
Simulate dollar cost averaging vs lump sum investing. See how periodic fixed-dollar investments perform with varying prices over time.
Effective Annual Yield Calculator
Convert nominal interest rates to effective annual yield (EAY/APY). Compare compounding frequencies and see the difference in future value.
Enterprise Value Calculator
Calculate enterprise value (EV) from market cap, debt, and cash. Compute EV/EBITDA, EV/Revenue multiples and compare against sector benchmarks.
EPS Growth Calculator
Analyze earnings per share growth trends, compute CAGR, PEG ratio, and project future EPS. Includes target price calculation and growth visualization.
Future Value Calculator
Calculate the future value of a lump sum or recurring payments with compound interest. Supports ordinary annuity and annuity due modes.
Futures Contract Calculator
Calculate futures profit/loss, margin requirements, leverage, and margin call price. Includes scenario analysis for crude oil, S&P 500, gold, and more.
Gift of Equity Calculator
Calculate gift of equity savings, effective down payment, monthly payments, and 2026 gift tax reporting implications. Compare buying at a discounted sale price vs fair market value.
GMROI Calculator
Calculate Gross Margin Return on Investment (GMROI), inventory turnover, sell-through rate, and compare to industry benchmarks for retail performance analysis.
Growing Annuity Calculator
Calculate the present and future value of a growing annuity with payments that increase at a constant rate. Includes payment schedule and growing perpetuity value.
Hedge Ratio Calculator
Calculate the minimum variance (optimal) hedge ratio, number of futures contracts, hedge effectiveness, and basis risk for commodity, FX, and financial hedging.
Holding Period Return Calculator
Calculate total and annualized holding period return including income, transaction costs, taxes, and inflation adjustment. Compare against major benchmarks.
HR Software ROI Calculator
Calculate ROI of HR software investment including efficiency gains, turnover reduction, compliance savings, and a 5-year cost-benefit projection.
Inflation-Adjusted Return Calculator
Free inflation-adjusted return calculator. Convert nominal investment returns into real returns that reflect actual purchasing power gains after inflation.
Intrinsic Value Calculator
Estimate a stock's intrinsic value using DCF, Dividend Discount Model, and Graham formulas. Includes margin of safety, sensitivity table, and multi-model comparison.
Jensen's Alpha Calculator
Calculate Jensen's Alpha, Treynor Ratio, Sharpe Ratio, and Information Ratio to evaluate risk-adjusted portfolio performance against the CAPM benchmark.
Lottery Annuity Calculator
Compare lottery lump sum vs annuity payments after taxes and inflation. Calculate NPV, break-even return rate, and see the full payment schedule.
Margin Call Calculator
Calculate the exact stock price that triggers a margin call. See your equity ratio, leverage, interest cost, and a full scenario table for price changes.
Margin Comparison Calculator
Compare profit margins between two products, departments, or time periods. Calculate gross, operating, and net margins with visual side-by-side analysis.
Margin Interest Calculator
Calculate the true cost of borrowing on margin. Compare broker rates, see daily/monthly costs, effective rates, and whether leverage boosts or erodes your returns.
Margin of Safety Calculator
Calculate the margin of safety between intrinsic value and market price. Includes value scoring, max buy price, P/E & P/B analysis, and sensitivity table.
Marginal Revenue Calculator
Calculate marginal revenue from price elasticity, find the profit-maximizing price, and analyze how price changes impact revenue and profit with a full schedule.
Market Capitalization Calculator
Calculate market cap, enterprise value, P/E, and P/S ratios. Classify stocks by cap tier and compare valuation metrics against major index benchmarks.
Modified IRR (MIRR) Calculator
Calculate MIRR with separate finance and reinvestment rates. Compare against standard IRR, see NPV, cash flow schedule, and reinvestment rate sensitivity.
Mutual Fund Fee Calculator
Calculate the true cost of mutual fund fees. Compare expense ratios, front/back loads, and see how much a low-cost index fund saves you over decades.
Net Present Value (NPV) Calculator
Calculate net present value of future cash flows. Enter up to 20 periods with a discount rate to evaluate any investment or project decision.
Online Marketing ROI Calculator
Calculate ROAS, CPA, LTV:CAC ratio, and marketing ROI. Review campaign economics with an illustrative channel comparison and improvement scenarios.
Optimal Hedge Ratio Calculator
Calculate the minimum-variance hedge ratio, optimal number of futures contracts, hedge effectiveness, and variance reduction with correlation sensitivity analysis.
Options Spread Calculator
Calculate profit, loss, and breakeven for bull call spreads, bear put spreads, iron condors, and straddles. View P/L at expiration across price ranges.
Percentage Return Calculator
Calculate total, annualized, real, and after-tax investment returns. Compare against benchmarks and project growth with the Rule of 72.
Portfolio Beta Calculator
Calculate weighted portfolio beta from individual asset betas. See CAPM expected return, market scenario analysis, and beta contribution by asset.
Portfolio Return Calculator
Calculate weighted portfolio return across multiple assets. Enter each holding with its weight and return to get your overall portfolio performance.
Present Value Calculator
Calculate the present value of a future sum or annuity stream. Discount future cash flows to today using any rate and time period.
Put-Call Parity Calculator
Verify put-call parity for European options. Calculate implied call/put prices, detect arbitrage violations, and analyze strike and rate sensitivity.
Return on Capital Employed (ROCE) Calculator
Calculate ROCE, after-tax ROCE, and DuPont decomposition. Compare against sector benchmarks and analyze EBIT sensitivity on capital returns.
Return on Investment (ROI) Calculator
Calculate return on investment as a percentage and annualized rate. Enter cost and gain to see your ROI, annualized return, and net profit.
ROI Calculator
Calculate return on investment (ROI) percentage, annualized ROI, net profit or loss, and break-even point. Compare multiple investment options side by side.
ROIC (Return on Invested Capital) Calculator
Calculate ROIC, economic profit, and value spread. Includes DuPont decomposition, NOPAT sensitivity analysis, and WACC comparison for value creation assessment.
Rule of 72 Calculator
Use the Rule of 72 to estimate how long it takes to double your money. Enter any interest rate and see years to double plus the exact result.
Sharpe Ratio Calculator
Free Sharpe ratio calculator. Measure risk-adjusted investment returns by comparing portfolio performance against the risk-free rate relative to volatility.
Stock Average Calculator
Calculate your weighted average cost basis across multiple stock purchases. See per-lot P/L, position value, break-even price, and average-down scenario analysis.
Stock Calculator
Analyze any stock with P/E, P/S, P/B ratios, dividend yield, Graham Number, position P/L, and price scenario analysis. Compare valuation vs S&P 500 benchmarks.
Tax-Loss Harvesting Calculator
Free tax-loss harvesting calculator. Estimate tax savings from selling losing investments, accounting for the $3,000 annual deduction limit and wash sale rules.
Treynor Ratio Calculator
Calculate the Treynor ratio for risk-adjusted portfolio evaluation. Compare funds, benchmark vs market, and analyze beta sensitivity with Jensen's alpha.
Unlevered Beta Calculator
Calculate unlevered (asset) beta from levered beta using the Hamada equation. Re-lever to target D/E ratios, decompose business vs financial risk, and compare industry betas.
Variable Annuity Calculator
Analyze variable annuity growth, fees, surrender penalties, tax impact, and compare vs taxable investing. See fee drag, M&E cost, and after-tax value projections.
Yield to Call (YTC) Calculator
Calculate yield to call, yield to worst, and current yield for callable bonds. Compare YTC vs YTM, view call year scenarios, and cash flow schedules.
Savings
13 calculatorsSavings goal and growth calculators.
Compound Savings Calculator
Free compound savings calculator. See how your savings grow with compound interest and regular contributions over time with detailed growth charts.
Future Value of Savings Calculator
Free future value of savings calculator. Project your savings balance over time with and without regular contributions at any interest rate and compounding frequency.
High-Yield Savings Comparison Calculator
Free high-yield savings comparison calculator. Compare up to 4 savings accounts side by side to see which APY and fee structure gives you the most money.
Inflation Impact on Savings Calculator
Free inflation impact on savings calculator. See how inflation erodes your purchasing power over time and whether your savings rate keeps up with rising prices.
Required Monthly Savings Calculator
Free required monthly savings calculator. Back-solve for the exact monthly deposit needed to reach any savings goal given your current balance, interest rate, and timeline.
Rule of 72 for Savings Calculator
Free Rule of 72 calculator for savings. Quickly estimate how many years to double your money or what APY you need to double your savings in a specific time frame.
Savings Goal Calculator
Free savings goal calculator. Enter your target amount and deadline to find out exactly how much you need to save each month to reach your financial goal.
Savings Milestone Tracker Calculator
Free savings milestone tracker calculator. Project when you will reach $1K, $5K, $10K, $50K, and $100K milestones based on your current balance, monthly contributions, and APY.
Savings Rate Calculator
Free savings rate calculator. Calculate your personal savings rate, compare it to broad benchmark ranges, and see FIRE implications for financial independence.
Savings vs Investing Calculator
Free savings vs investing calculator. Compare the future value of risk-free savings against projected investment returns over any time period with a risk-adjusted breakdown.
Savings Withdrawal Calculator
Free savings withdrawal calculator. Model periodic withdrawals from a savings balance earning interest and find your time to depletion or sustainable withdrawal rate.
Simple Savings Calculator
Free simple savings calculator. Estimate how much your savings will grow with a basic interest rate and regular deposits over any time period.
Time to Savings Goal Calculator
Free time to savings goal calculator. Find out exactly how many months or years it will take to reach your savings target based on your balance, rate, and deposits.
Tax
45 calculatorsSales tax, VAT, and income tax estimators.
After-Tax Cost of Debt Calculator
Calculate the after-tax cost of debt including tax shield savings, effective interest rates, and lifetime interest analysis for corporate and personal debt.
AGI Calculator
Calculate your Adjusted Gross Income (AGI) with common income sources and above-the-line deductions using a 2026 planning worksheet.
Alabama Tax Calculator
Calculate Alabama state income tax with current state brackets, the Alabama standard deduction chart, personal and dependent exemptions, the federal tax deduction, and optional local tax.
Australia Income Tax Calculator
Calculate Australian resident income tax using the tax-year 2025-26 ATO brackets modeled on this page, plus Medicare Levy, a simplified MLS estimate, HELP/HECS repayments, superannuation, and take-home pay.
Biden Tax Plan Calculator
Compare the 2026 baseline tax result against the Biden-administration proposal scenario with higher top rates, capital-gains changes, and a higher NIIT rate.
California Overtime Calculator
Estimate California overtime pay from your weekly hours plus any identified double-time and 7th-day premium hours, with a clear breakdown of regular, 1.5×, and 2× pay.
California Stimulus History Calculator
Review historical Golden State Stimulus I & II and Middle Class Tax Refund amounts. These California stimulus programs are closed and no new payments are being issued.
California Tax Calculator
Estimate California state income tax using the tax-year 2025 schedule modeled on this page, including standard deductions, SDI, Mental Health Services Tax, dependent credits, and take-home pay.
Capital Gains Yield Calculator
Calculate capital gains yield, dividend yield, total return, and annualized performance for stock investments with detailed portfolio projections.
Child Tax Credit Calculator
Estimate your 2026 Child Tax Credit, Additional Child Tax Credit, and Credit for Other Dependents using AGI, earned income, filing status, and dependent counts.
Crypto Tax Calculator
Free crypto tax calculator. Estimate capital gains tax on cryptocurrency sales using FIFO or LIFO, classify short-term vs long-term gains, and calculate mining and staking income tax.
Earned Income Tax Credit (EITC) Calculator
Free EITC calculator. Estimate your 2026 federal Earned Income Tax Credit based on income, filing status, and qualifying children. Check likely eligibility and credit size.
Estate Tax Calculator
Free 2026 estate tax calculator. Estimate federal estate tax with the $15M basic exclusion amount, graduated 18-40% rates, portability election, and taxable estate breakdown.
FICA Tax Calculator
Free FICA tax calculator. Calculate your combined Social Security and Medicare tax on wages. See annual cap effects, per-paycheck amounts, and 2026 rates.
Florida Overtime Calculator
Estimate Florida overtime pay with 2026 federal brackets, 2026 standard deductions, Social Security, Medicare, and Florida's zero state income tax.
Foreign Tax Credit Calculator
Free foreign tax credit calculator. Estimate your FTC limit using the IRS formula, compare credit vs deduction, and calculate the maximum credit for foreign taxes paid on international income.
Georgia Overtime Calculator
Calculate Georgia overtime pay with current FLSA rules, Georgia's flat 5.19% income tax, 2026 federal brackets, SSA payroll taxes, and annualized take-home projections.
Gift Tax Calculator
Free 2026 gift tax calculator. Estimate federal gift tax using the $19,000 annual exclusion, the $15,000,000 basic exclusion amount, and see how gifts affect your estate tax exemption.
HRA Exemption Calculator
Calculate House Rent Allowance exemption under Section 10(13A) of the Indian Income Tax Act with all three rules, metro/non-metro rates, and tax savings.
Illinois Overtime Calculator
Estimate Illinois overtime pay with 2026 federal brackets, the 4.95% flat state tax, status-aware payroll taxes, and annualized take-home projections.
Illinois Tax Calculator
Estimate Illinois state income tax with the 4.95% flat rate, 2026 dependent allowance, property tax credit, 2026 federal tax comparison, and take-home pay.
Lottery Tax Calculator
Calculate taxes on lottery winnings including federal and state taxes, compare lump sum vs annuity payouts, and see your actual take-home prize amount.
MAGI Calculator
Calculate a context-specific Modified Adjusted Gross Income (MAGI) estimate and see how it affects Roth IRA eligibility, traditional IRA deductions, NIIT, and 2026 Medicare IRMAA thresholds.
Margin & VAT Calculator
Calculate profit margin, markup, and VAT-inclusive pricing from cost price. Supports forward and reverse calculations with margin comparison tables.
Medicare Tax Calculator
Free Medicare tax calculator. Compute your 1.45% Medicare tax, additional 0.9% Medicare surtax, and Net Investment Income Tax (NIIT) on wages and investment income.
Mortgage Calculator with Taxes & Insurance
Calculate your full monthly mortgage payment including principal, interest, property tax, homeowners insurance, PMI, HOA fees, and tax deduction estimates.
New York Overtime Calculator
Calculate New York overtime pay with 2026 federal brackets, New York state tax, NYC resident tax by filing status, and capped payroll taxes.
New York Tax Calculator
Calculate 2026 federal income tax, New York state and NYC resident taxes, payroll taxes, and net take-home pay across all major filing statuses.
Pakistan Income Tax Calculator
Estimate Pakistan income tax using the tax-year 2025-26 FBR salary slabs with simplified filer and non-filer comparisons.
Payroll Tax Calculator
Free payroll tax calculator. Calculate Social Security, Medicare, and additional Medicare taxes for both employee and employer. 2026 wage base and rates.
Philippines Income Tax Calculator
Calculate Philippine income tax with the TRAIN graduated tax table, current SSS and PhilHealth contribution ceilings, Pag-IBIG contributions, 13th month pay, and OSD vs itemized deductions.
Private Savings Calculator
Project private savings growth to retirement with user-set return, inflation, tax, and withdrawal assumptions.
Real Estate Commission & VAT Calculator
Calculate real estate agent commissions with buyer/seller splits, brokerage splits, VAT/GST, referral fees, and seller net proceeds at various price points.
RMD Tax Impact Calculator
Estimate the 2026 federal tax impact of a required minimum distribution, including bracket effect, Social Security taxation, and Medicare Part B IRMAA exposure.
Roth Conversion Tax Calculator
Free Roth conversion tax calculator. Estimate the tax cost of converting a Traditional IRA to Roth IRA, find the optimal conversion amount, and project break-even years.
Short-Term vs Long-Term Capital Gains Calculator
Compare short-term and long-term federal capital-gains tax treatment using 2026 IRS brackets and long-term gain thresholds.
Social Security Tax Calculator
Free Social Security tax calculator. Compute your 2026 6.2% employee SS tax, see when you hit the wage base cap, and track paycheck-by-paycheck withholding.
Tax on Stock Options Calculator
Free ISO vs NSO stock options tax calculator. Estimate income tax, AMT, and capital gains on exercising and selling incentive or non-qualified stock options.
Tax-Equivalent Yield Calculator
Free tax-equivalent yield calculator. Compare municipal bond yields to taxable bond yields after accounting for federal and state tax rates. Find the true after-tax return.
Taxable Equivalent Yield Calculator
Calculate the taxable equivalent yield of municipal bonds, compare muni vs taxable bond income after taxes, and find your optimal fixed-income allocation.
Texas Overtime Calculator
Estimate Texas overtime pay with 2026 federal brackets, the qualified overtime deduction where eligible, Social Security, Medicare, and Texas's zero state income tax.
Texas Tax Calculator
Calculate your Texas take-home pay with zero state income tax. Includes 2026 federal brackets, 2026 standard deduction amounts, Social Security, Medicare, and state-by-state comparison.
Trump Tariff Calculator
Model Trump-era tariff scenarios for import costs, consumer prices, and landed costs. Useful for historical comparison and landed-cost planning.
Trump Tax Calculator (TCJA)
Compare 2026 current-law federal taxes against the historical pre-TCJA rules to see how the standard deduction, SALT cap, and child credit changed the result.
VAT Calculator
Add or extract VAT (Value Added Tax) from any price. Supports 20+ country rates, bulk quantities, inclusive/exclusive modes, and multi-currency display.
Retirement
28 calculatorsRetirement savings and withdrawal calculators.
4% Rule Calculator
Free 4% rule retirement calculator. Find out how much you can safely withdraw each year based on the Trinity Study. See your annual income, monthly income, and required portfolio size.
401(k) Calculator — Retirement Savings & Employer Match
Free 401(k) calculator. Estimate your retirement savings with employer match, contribution limits, growth projections, and Roth vs Traditional comparison.
403(b) Calculator
Free 403(b) calculator for 2026. Project tax-sheltered annuity growth for teachers, healthcare workers, and nonprofit employees. Includes the 15-year service catch-up rule.
457 Plan Calculator
Free 457(b) plan calculator for 2026. Project deferred compensation growth with no early withdrawal penalty. Includes the special 3-year catch-up provision for government employees.
Annuity Payout Calculator
Free annuity payout calculator. Find monthly or annual income from a lump-sum annuity purchase. Compare payout rates for different terms and interest rates.
Annuity Value Calculator
Free annuity value calculator. Find the present value of an annuity stream using discount rate, payment amount, and term. Supports ordinary, annuity-due, and growing annuity.
Atal Pension Yojana (APY) Calculator — Monthly Pension Estimator
Free Atal Pension Yojana calculator. Estimate the monthly-equivalent contribution, pension at 60, and compare APY pension tiers.
Catch-Up Contribution Calculator
Free catch-up contribution calculator for 2026. Compare extra retirement-plan savings by plan type, age bracket, and the SECURE 2.0 super catch-up window for ages 60-63.
Deferred Annuity Calculator
Free deferred annuity calculator. Model the accumulation and distribution phases. See how tax-deferred growth and deferral period affect retirement income.
Early Retirement Calculator
Free early retirement calculator. See if your savings can bridge the gap from early retirement to Social Security and traditional retirement age. Plan your withdrawal strategy by phase.
FIRE Calculator — Financial Independence, Retire Early
Free FIRE calculator. Calculate your Financial Independence number, years to FIRE, and required savings rate. See how savings rate, income, and expenses affect your FIRE timeline.
Immediate Annuity Calculator
Free immediate annuity calculator. Estimate monthly income from a single premium immediate annuity (SPIA). Compare payouts by age, gender, and joint-life options.
IRA Calculator — Traditional vs Roth IRA Comparison
Free IRA calculator. Compare Traditional vs Roth IRA growth, contribution limits, tax savings, Roth phase-outs, and required minimum distribution timing using the modeled tax settings on this page.
Longevity Risk Calculator
Free longevity risk calculator. Estimate survival probabilities by age using SSA actuarial tables, then see portfolio survival rates at each longevity milestone.
Nest Egg Duration Calculator
Free nest egg duration calculator. Find how long your retirement savings will last given withdrawals, returns, and inflation. Plan to never run out of money.
NPS Calculator — National Pension Scheme Returns & Pension Estimator
Free NPS calculator. Estimate your National Pension Scheme corpus at retirement, monthly pension, lump-sum withdrawal, annuity split, and tax-rule context.
Required Minimum Distribution (RMD) Calculator
Free RMD calculator. Calculate your Required Minimum Distribution from your IRA or 401(k) using IRS Uniform Lifetime Table rules. Includes multi-year projections and SECURE Act 2.0 age rules.
Retirement Age Calculator
Free retirement age calculator. Find the earliest age you can retire based on your savings, income, expenses, and expected returns. Slider-style what-if analysis for savings and returns.
Retirement Calculator — Savings, Income & Readiness Planner
Free retirement calculator. Estimate retirement corpus, monthly income, withdrawal sustainability, savings rate impact, and readiness score with accumulation and decumulation projections.
Retirement Gap Calculator
Free retirement gap calculator. Compare projected expenses vs income from Social Security, pensions, and portfolio withdrawals. Find shortfalls and solutions.
Retirement Healthcare Cost Calculator
Free retirement healthcare cost calculator. Estimate lifetime medical expenses including Medicare premiums, Medigap, Part D, and out-of-pocket costs with medical inflation projections.
Retirement Income Calculator
Free retirement income calculator. Estimate total monthly income from Social Security, pensions, annuities, and portfolio withdrawals. Identify income gaps and plan for a secure retirement.
Retirement Readiness Score Calculator
Free retirement readiness score calculator. Get a 0-100 score based on savings, income, age, and plan quality. See where you stand and how to improve.
Retirement Savings Goal Calculator
Free retirement savings goal calculator. See how much you need to save each month to reach your retirement nest egg target using the 4% rule and inflation-adjusted projections.
Retirement Spending Calculator
Free retirement spending calculator. Project annual expenses through retirement with the spending smile curve, inflation adjustments, and lifestyle phase modeling.
Retirement Tax Estimator Calculator
Free retirement tax estimator for 2026. Project federal income tax on Social Security, 401(k) withdrawals, pensions, and other retirement income including IRMAA surcharges.
Retirement Withdrawal Rate Calculator
Free retirement withdrawal rate calculator. Simulate portfolio sustainability over 30 years at different withdrawal rates. See how long your nest egg lasts with annual inflation adjustments.
Safe Withdrawal Rate Calculator
Free safe withdrawal rate calculator. Find the maximum initial withdrawal rate with 90%+ success over your retirement horizon. Adjust for time horizon, stock allocation, and success threshold.
Refinancing
2 calculatorsMortgage refinance and break-even calculators.
Mortgage Refinance Calculator
Calculate your refinance savings, new monthly payment, and break-even point. Compare your current mortgage to a new loan with closing costs to see if refinancing makes sense.
Refinance Break-Even Calculator
Find out how many months it takes for refinance savings to exceed closing costs. A simple tool to decide if refinancing is worth it based on your planned stay.
Home Buying
19 calculatorsAffordability, closing costs, and home purchase tools.
3x Rent Calculator
Calculate if your income meets the 3x rent rule. Compare 30% rule, 25% rule, and 50/30/20 budgets with income qualification tables and housing affordability analysis.
Car Lease Calculator
Calculate monthly car lease payments. Break down depreciation, finance charges, and taxes with money factor comparison, term analysis, and due-at-signing totals.
Cash-to-Close Calculator
Calculate total cash needed at closing including down payment, closing costs, prepaids, and credits. Get an itemized breakdown of all cash-to-close components.
Closing Costs Calculator
Estimate your home closing costs with an itemized breakdown. Calculate origination fees, title insurance, appraisal, taxes, and prepaid items for your home purchase.
CLTV Calculator
Calculate combined loan-to-value ratio with multiple mortgages, HELOCs, and liens. Check lending eligibility, PMI thresholds, and equity position with property value scenarios.
Down Payment Calculator
Calculate your down payment amount for any home price and percentage. See PMI thresholds and a savings timeline to reach your target.
Fixed Asset Turnover Calculator
Calculate how efficiently a company uses fixed assets to generate revenue. Compare industry benchmarks, analyze capital intensity, and model investment impact on turnover ratios.
Home Appreciation Calculator
Estimate future home value and equity growth over time. Calculate ROI, leveraged returns, and compare appreciation rate scenarios with year-by-year breakdowns.
Home Equity Calculator
Calculate your home equity based on current value and remaining mortgage balance. See equity projections with appreciation over 1–10 years.
Lease Calculator
Calculate total lease costs with annual escalation, per-sqft pricing, NNN expenses, and move-in costs. Compare escalation scenarios with year-by-year rent breakdowns.
LTV Calculator
Calculate loan-to-value ratio for your mortgage. Check PMI requirements, compare loan programs, and see how property value changes affect your equity and LTV.
Mortgage Tax Deduction Calculator
Estimate tax savings from the mortgage interest deduction using current standard deduction amounts and the $750K/$1M mortgage limit.
Net Effective Rent Calculator
Calculate true monthly rent after free months and concessions. Compare apartments with different incentive packages and see which deal saves you more over the full lease.
Prorated Rent Calculator
Calculate prorated rent for partial-month move-ins or move-outs. See daily rates, due-at-signing totals, occupancy calendars, and compare proration methods.
Receivables Turnover Calculator
Calculate accounts receivable turnover ratio and days sales outstanding (DSO). Analyze collection efficiency, bad debt rate, and cash flow impact with industry benchmarks.
Rent Calculator
Calculate total monthly rent costs including utilities, insurance, and parking. Compare affordability by income, analyze $/sqft, and see roommate savings breakdowns.
Rent or Buy Calculator
Compare renting vs buying a home over any time period. Model mortgage costs, appreciation, investment returns, and tax benefits to see which builds more wealth.
SaaS LTV Calculator
Calculate SaaS customer lifetime value, LTV:CAC ratio, CAC payback period, and net revenue retention. Includes cohort survival analysis and churn sensitivity.
Total Asset Turnover Calculator
Calculate total asset turnover ratio with DuPont analysis breakdown, industry benchmarks, revenue targets, and asset sensitivity modeling for financial analysis.
Debt Management
6 calculatorsDebt payoff strategies, consolidation, and DTI calculators.
Debt Avalanche Calculator
Calculate your debt payoff using the avalanche method. Target highest-interest debt first to minimize total interest paid and find your debt-free date.
Debt Consolidation Calculator
Compare the total cost of your current debts vs a single consolidation loan. See monthly savings, total interest savings, and break-even timeline.
Debt Snowball Calculator
Use the debt snowball method to pay off debt fastest. Enter your debts and extra payment to see your payoff order, timeline, and total interest.
Debt Snowball vs Avalanche Comparison Calculator
Compare the debt snowball and avalanche methods side by side. See total interest, payoff timeline, and interest savings to choose the best debt payoff strategy.
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income ratio. See how lenders evaluate your DTI and whether you qualify for a mortgage or loan.
Medical Debt Payment Calculator
Plan medical debt repayment with 0% hospital plans, credit card financing, and negotiation discounts. Compare options and find the fastest payoff strategy.
Credit Cards
5 calculatorsCredit card payoff, rewards, and balance transfer tools.
Balance Transfer Calculator
Compare the cost of keeping your current credit card vs transferring to a 0% intro APR card. Calculate savings including transfer fees and post-promo interest.
Credit Card Interest Calculator
Calculate how much interest your credit card charges each billing cycle. Understand daily periodic rate, average daily balance, and billing cycle mechanics.
Credit Card Minimum Payment Calculator
See how long it takes to pay off your credit card making only minimum payments. Calculate total interest, payoff timeline, and the true cost of minimum payments.
Credit Card Payoff Calculator
Calculate the monthly payment needed to pay off your credit card by a target date, or find your payoff date for a given payment. Dual-mode credit card payoff planner.
Credit Card Rewards Calculator
Calculate the true value of your credit card rewards based on your spending habits. Compare cards by net reward value after annual fees across categories.
Stocks & Options
16 calculatorsStock analysis, dividends, options, and equity valuation tools.
Cost Basis Calculator
Free cost basis calculator - compute gain or loss per lot using FIFO, LIFO, or average cost methods for stocks, ETFs, and mutual funds.
Covered Call Calculator
Free covered call calculator — compute maximum profit, break-even, downside protection, and return scenarios for selling calls against stock you own.
Dividend Income Calculator
Free dividend income calculator. Estimate your annual, quarterly, and monthly dividend income from stocks and project income growth over time.
Dividend Reinvestment (DRIP) Calculator
Model dividend reinvestment over time. See how reinvesting dividends compounds share count and income, and compare DRIP vs. taking cash dividends.
Dividend Yield Calculator
Calculate dividend yield from stock price and annual dividend. Compare trailing and forward yields, annual income, and yield on cost for any stock.
Earnings Per Share (EPS) Calculator
Calculate basic and diluted Earnings Per Share from net income, preferred dividends, and share count. Essential for stock valuation and P/E analysis.
Implied Volatility Calculator
Free implied volatility calculator. Estimate IV from option market prices using the Black-Scholes model and understand volatility crush effects.
Market Capitalization Calculator
Calculate market capitalization from share price and shares outstanding. Classify any company as micro, small, mid, large, or mega cap.
Options Break-Even Calculator
Free options break-even calculator. Find the exact stock price where your call or put option breaks even at expiration, including premium cost.
Options Profit/Loss Calculator
Free options profit/loss calculator — compute potential gain, loss, and break-even for call and put options at any stock price with per-contract results.
PE Ratio Calculator
Calculate the Price-to-Earnings ratio for any stock. Compare trailing and forward P/E, understand valuation context, and evaluate if a stock is overvalued or undervalued.
Price-to-Book Ratio Calculator
Calculate the Price-to-Book (P/B) ratio to assess stock valuation relative to net asset value. Compare market price to book value per share.
Put Option Profit Calculator
Free put option profit calculator — compute P/L, break-even, and max profit for long put positions at any stock price with per-contract totals.
Stock Profit Calculator
Free stock profit calculator. Calculate your total profit or loss from buying and selling stocks, including commissions, taxes, and percentage return.
Stock Split Calculator
Free stock split calculator — compute new share count and adjusted price per share for forward and reverse stock splits with no change in total value.
Stock Total Return Calculator
Calculate total stock return including price appreciation and dividends. See your annualized return, dollar gain, and the impact of dividend reinvestment.
Bonds
7 calculatorsBond pricing, yield, duration, and fixed-income calculators.
Bond Convexity Calculator
Free bond convexity calculator — compute convexity and combine it with duration for accurate price-change estimates when interest rates move significantly.
Bond Duration Calculator
Free bond duration calculator — compute Macaulay duration, modified duration, and estimated price change for interest-rate moves on any coupon bond.
Bond Price Calculator
Calculate the fair price of a bond from coupon rate, face value, market yield, and maturity. Supports annual and semi-annual coupon frequencies.
Bond Yield Calculator
Calculate current yield and yield to maturity for any bond. Enter coupon rate, face value, market price, and maturity to see all yield metrics.
Current Yield Calculator
Free current yield calculator — divide annual coupon income by market price to measure a bond's income return and compare yields across different bonds.
Yield to Maturity (YTM) Calculator
Calculate yield to maturity for any bond. Enter face value, coupon rate, market price, and maturity to find the exact YTM using iterative solving.
Zero-Coupon Bond Calculator
Free zero-coupon bond calculator — compute the price from yield or yield from price for zero-coupon bonds, savings bonds, and Treasury STRIPS.
Funds & ETFs
3 calculatorsMutual fund and ETF fee comparison and analysis tools.
ETF Comparison Calculator
Free ETF comparison calculator — compare up to 3 ETFs on expense ratio, tracking error, and total return net of fees over your investment horizon.
Investment Fee Calculator
Free investment fee calculator. Compare the lifetime cost of different fee structures including flat fees, AUM percentages, per-trade commissions, and wrap fees.
Mutual Fund Expense Ratio Impact Calculator
Free expense ratio calculator — see how mutual fund and ETF fees erode returns over 10, 20, 30, or 40 years and compare low-cost vs high-cost funds.
Deposits & CDs
10 calculatorsCertificate of deposit, money market, and savings bond calculators.
CD Early Withdrawal Penalty Calculator
Free CD early withdrawal penalty calculator. See exactly how much interest you forfeit and your net return if you break a certificate of deposit before maturity.
CD Ladder Calculator
Free CD ladder calculator. Build a certificate of deposit ladder strategy with staggered maturities to balance higher rates with regular liquidity access.
CD Penalty Break-Even Calculator
Free CD penalty break-even calculator. Find out when breaking a CD early for a higher-rate alternative will pay off by comparing CD interest minus the penalty against a new savings or CD rate.
Certificate of Deposit (CD) Calculator
Free CD calculator. Calculate interest earned and maturity value for any certificate of deposit with flexible terms, rates, and compounding frequencies.
Deposit Growth Calculator
Free deposit growth calculator. See how regular deposits grow over time in an interest-bearing account with a clear breakdown of contributions vs interest earned.
I-Bond Calculator
Free I-Bond calculator. Project your Series I savings bond value with the composite rate formula, semiannual compounding, $10,000 annual limit, and early redemption penalties.
Money Market Return Calculator
Free money market return calculator. Project returns on money market accounts with tiered rates for different balance thresholds and compound interest.
Savings Bond Value Calculator
Free savings bond value calculator. Estimate the redemption value of Series EE and Series I savings bonds based on issue date, denomination, and applicable interest rates.
Series EE Savings Bond Calculator
Free Series EE savings bond calculator. Project your EE bond value using the fixed rate and the guaranteed doubling at 20 years, with early redemption penalty analysis.
Treasury Bill Return Calculator
Free Treasury bill return calculator. Convert T-bill discount prices to actual yield, compare 4-week to 52-week maturities, and see your real return on Treasury bills.
Banking
46 calculatorsBank fee, account comparison, and FDIC insurance tools.
Annual Income Calculator
Free annual income calculator. Convert hourly wages, bonuses, and other income into yearly, monthly, bi-weekly, and daily totals with tax estimates.
Annual Pay Calculator
Free annual pay calculator. Convert salary, bonus, and deductions into per-paycheck and yearly totals across any pay frequency.
Annual Salary Per Hour Calculator
Free annual salary to hourly rate calculator. Convert your yearly salary into nominal and effective hourly rates accounting for overtime, holidays, and vacation.
APY Comparison Calculator
Free APY comparison calculator. Compare up to 4 savings account APY rates side by side and see the dollar difference in earnings over your chosen time period.
Bank Fee Impact Calculator
Free bank fee impact calculator. See how monthly maintenance, ATM, wire, and overdraft fees reduce your net interest earnings and effective APY on deposit accounts.
Biweekly Pay Calculator
Free biweekly pay calculator. Convert annual salary to per-paycheck amounts with federal, state, FICA taxes, and deductions breakdown.
Checking Account Cost Calculator
Free checking account cost calculator. Compare the annual cost of fee-based vs free checking by tallying monthly maintenance, per-transaction, ATM, and other charges.
Days Payable Outstanding Calculator
Free DPO calculator. Measure how many days your business takes to pay suppliers and compare against industry benchmarks.
Discretionary Income Calculator
Free discretionary income calculator. Find out how much money you have left after taxes and essential expenses for savings, entertainment, and investments.
Disposable Income Calculator
Free disposable income calculator. Calculate your after-tax income with federal, state, and FICA tax breakdowns and income level comparisons.
FDIC Insurance Coverage Calculator
Free FDIC insurance coverage calculator. Check whether your bank deposits are fully insured by entering balances across ownership categories and flagging amounts over the $250,000 limit.
Future Salary Calculator
Free future salary calculator. Project your salary years ahead with annual raises, inflation adjustment, bonus growth, and cumulative earnings.
Hourly Wage Calculator
Free hourly wage calculator. Convert hourly pay to weekly, monthly, and annual income with overtime, tax estimates, and rate comparison tables.
Hours Pay Calculator
Free hours pay calculator. Calculate shift pay from hourly rate, hours worked, breaks, and tips with weekly and annual projections.
Income Elasticity of Demand Calculator
Free income elasticity of demand (YED) calculator. Classify goods as normal, luxury, necessity, or inferior with point and midpoint elasticity methods.
Lost Wages Assistance Calculator
Free lost wages assistance calculator. Estimate a simplified unemployment replacement amount, wage replacement rate, and the income gap during periods of job loss.
Mega Millions Payout Calculator
Free Mega Millions payout calculator. Compare lump sum vs annuity, apply a state or local tax-rate estimate, and see your projected take-home lottery winnings.
Money Multiplier Calculator
Free money multiplier calculator. See how fractional reserve banking expands deposits into loans. Calculate the simple and adjusted multiplier effect.
Monthly Income Calculator
Free monthly income calculator. Convert annual salary to monthly take-home pay after federal, state, FICA taxes, and deductions.
Monthly Income from Hourly Wage Calculator
Free monthly income from hourly wage calculator. Convert hourly pay to monthly take-home income including overtime, tips, and tax deductions.
Net Income Calculator
Free net income calculator. Calculate take-home pay after federal tax brackets, state tax, FICA, and pre-tax deductions with a full bracket breakdown. Built on the 2026 federal tax model used on this page.
Net Operating Income (NOI) Calculator
Free NOI calculator for real estate. Calculate net operating income, cap rate, OpEx ratio, and GRM from rental revenue and operating expenses.
Overdraft Cost Calculator
Free overdraft cost calculator. Estimate the annual cost of overdraft fees, extended overdraft charges, and line-of-credit interest, and compare overdraft protection alternatives.
Overtime Calculator
Free overtime calculator. Calculate overtime pay at 1.5× or 2× rates, weekly and annual OT earnings, effective hourly rate, and OT scenarios.
Overtime Paycheck Calculator
Free overtime paycheck calculator. See your actual take-home pay with overtime after federal, state, and FICA taxes plus pre-tax deductions.
Pay Raise Calculator
Free pay raise calculator. See how a raise affects your salary, monthly pay, and take-home — with 10-year projections and after-tax breakdowns.
Paycheck Protection Program (PPP) Calculator
Free PPP loan calculator. Estimate historical PPP loan amounts, per-employee allocation, and forgiveness math for legacy Paycheck Protection Program borrowers.
Post Office Monthly Income Scheme Calculator
Free POMIS calculator. Estimate monthly interest income, after-tax returns, and reinvestment growth from India Post Office MIS investments.
Prorated Salary Calculator
Free prorated salary calculator. Calculate partial-period pay for new hires, departures, or mid-month start dates using calendar, business, or fixed-30 methods.
Rate of Pay Calculator
Free rate of pay calculator. Convert hourly, weekly, biweekly, semi-monthly, and annual pay rates with overtime, benefits, and hours analysis.
Real Estate Commission Calculator
Free real estate commission calculator. Estimate agent commissions, listing-buyer splits, broker fees, franchise costs, and seller net proceeds.
Real Interest Rate Calculator
Free real interest rate calculator. Find what your savings actually earn after inflation using the Fisher equation and see if your money is truly growing.
Rental Commission Calculator
Free rental commission calculator. Estimate broker fees, move-in costs, and effective monthly rent for apartments and commercial leases.
Residual Income Calculator
Free residual income calculator. Calculate monthly income remaining after all obligations, passive income ratio, financial freedom score, and growth projections.
Salary Calculator
Free salary calculator. Convert annual salary to per-paycheck, monthly, weekly, daily, and hourly net pay after taxes, FICA, retirement, and benefits.
Salary with Overtime Calculator
Free salary with overtime calculator. Calculate total pay, net income, and effective hourly rate when combining regular hours and overtime at 1.5× or 2× rates.
Savings Account Comparison Calculator
Free savings account comparison calculator. Compare up to 4 accounts side by side by APY, minimum balance, fees, and compounding frequency to find the best net earnings over 1, 5, and 10 years.
Semi-Monthly Pay Calculator
Free semi-monthly pay calculator. Calculate per-paycheck take-home with pre-tax deductions, FICA, taxes, and a full 24-period annual schedule.
Spending Multiplier Calculator
Free spending multiplier calculator. Compute the Keynesian fiscal multiplier, round-by-round economic impact, and MPC sensitivity analysis with tax and import leakages.
True Cost of Real Estate Commission Calculator
Free true cost calculator for real estate commissions. See the total impact including opportunity cost, appreciation erosion, and monthly equivalents over time.
US Income Percentile Calculator
Free US income percentile calculator. See where you rank among American earners with individual or household income comparisons, tax estimates, and detailed percentile breakdowns.
Wage Calculator
Free wage calculator. Convert hourly pay to weekly, biweekly, monthly, and annual wages with overtime, tips, and benefits included. Compare rates and minimum wage.
Wage to Salary Calculator
Free wage to salary conversion calculator. Convert hourly wages to equivalent annual salary, compare total compensation with benefits, and evaluate salary offers.
Weekly Pay Calculator
Free weekly pay calculator. Calculate net take-home pay after taxes with overtime, tips, and deductions. See paycheck breakdown, hours impact, and rate comparisons.
Wire Transfer Fee Calculator
Free wire transfer fee calculator. Compare the cost of domestic wires, international wires, ACH, Zelle, and other transfer methods with a speed-vs-cost trade-off table.
Yearly Wage Calculator
Free yearly wage calculator. Convert annual salary to net pay per paycheck with full tax and deduction breakdown. Compare salaries, pay frequencies, and hourly equivalents.
Income Tax
17 calculatorsFederal and state income tax estimators, bracket calculators, and withholding tools.
1099 Tax Calculator
Free 2026 1099 tax calculator for independent contractors. Estimate income tax, self-employment tax, QBI deduction, and quarterly payments on 1099 net income.
Alternative Minimum Tax (AMT) Calculator
Free 2026 AMT calculator. Estimate Alternative Minimum Tax using AMTI, exemption phaseouts, and tentative minimum tax so you can see whether AMT exceeds regular federal tax.
Dependent Tax Impact Calculator
Free dependent tax impact calculator. Estimate the total tax benefit of claiming dependents - Child Tax Credit, EITC, dependent care credit, and Head of Household status savings for 2026.
Freelancer Tax Calculator
Free 2026 freelancer tax calculator. Estimate your total federal, state, and self-employment tax as a freelancer with QBI deduction and quarterly payment schedule.
Head of Household Benefit Calculator
Free Head of Household benefit calculator. Compare HoH vs Single filing status — see the 2026 brackets, higher standard deduction, and total annual tax savings for qualifying filers.
Income Tax Estimator Calculator
Free income tax estimator calculator. Estimate your federal income tax for 2026 based on filing status, income, deductions, and credits with a bracket-by-bracket breakdown.
Marginal vs Effective Tax Rate Calculator
Free marginal vs effective tax rate calculator. Compare your marginal bracket rate to your effective (average) rate side by side for any income and filing status.
Marriage Tax Penalty/Bonus Calculator
Free marriage tax penalty and bonus calculator. Compare Married Filing Jointly tax to two single filer taxes and see if marriage helps or hurts your combined tax bill.
Quarterly Estimated Tax Calculator
Free quarterly estimated tax calculator. Calculate how much to pay each quarter for self-employment, investment, or other income not subject to withholding.
Self-Employment Tax Calculator
Free self-employment tax calculator. Estimate SE tax (Social Security + Medicare) on freelance, gig, or business income with deductible half and net earnings breakdown.
Standard vs Itemized Deduction Calculator
Free standard vs itemized deduction calculator. Compare deduction options and see which saves you more on taxes. Includes SALT, mortgage interest, charity, and medical.
State Income Tax Calculator
Free state income tax comparison worksheet. Compare broad state income tax structures, no-income-tax states, and simplified single-filer estimates across states.
Tax Bracket Calculator
Free tax bracket calculator. See which federal tax bracket you fall in, how much tax you owe per bracket, and your marginal rate for 2026 by filing status.
Tax on Bonus Calculator
Free 2026 bonus tax calculator. Compare the 22% flat supplemental rate vs. an annualized aggregate estimate to see how your bonus may be withheld and what you'll take home.
Tax Refund Estimator Calculator
Free tax refund estimator. Calculate your expected federal tax refund or amount owed based on income, withholding, and credits. 2026 tax year data.
Tax Withholding Calculator
Free tax withholding calculator. Compare your projected W-2 withholding to your estimated tax liability and find out if you will owe or get a refund.
W-4 Estimator Calculator
Free W-4 estimator calculator. Estimate how W-4 adjustments (extra withholding, deductions, dependents) affect your per-paycheck take-home pay and annual tax outcome.
Sales Tax
2 calculatorsSales tax calculators for purchases, receipts, and tax-inclusive pricing.
Reverse Sales Tax Calculator
Free reverse sales tax calculator. Find the pre-tax price from a total that includes sales tax. Perfect for receipt analysis, expense reports, and bookkeeping.
Sales Tax Calculator
Free sales tax calculator. Calculate sales tax on any purchase with state and local rates. Supports tax-inclusive and tax-exclusive pricing for any U.S. location.
Property Tax
2 calculatorsProperty tax estimation, assessment, and appeal analysis tools.
Property Tax Assessment Estimator
Free property tax assessment estimator. Calculate assessed value from market value using your area's assessment ratio. Evaluate appeal potential and savings.
Property Tax Calculator
Free property tax calculator. Estimate annual property taxes using assessed value and mill rate. Includes homestead exemptions and monthly escrow breakdowns.
401(k)
5 calculators401(k) growth, contribution, and match optimization calculators.
401(k) Contribution Calculator
Free 401(k) contribution calculator. Find your per-paycheck contribution, remaining room to the annual limit, and catch-up eligibility for 2026 ($24,500 limit, $8,000 catch-up for 50+).
401(k) Growth Calculator
Free 401(k) growth calculator. Project your 401(k) balance over time with employer match, annual contribution increases, and compound growth to see the power of tax-deferred retirement savings.
Employer 401(k) Match Calculator
Free employer 401(k) match calculator. See how much free money your employer contributes, your vesting schedule, and how much you leave on the table if you don't maximize your match.
Roth 401(k) vs Traditional 401(k) Calculator
Free Roth vs Traditional 401(k) calculator. Compare after-tax retirement wealth by contributing pre-tax (Traditional) or after-tax (Roth) based on your current and future tax rates.
Solo 401(k) Contribution Calculator
Free Solo 401(k) contribution calculator for 2026. Estimate employee deferrals, self-employed employer contributions, catch-up amounts, and the SEP IRA comparison.
IRA
5 calculatorsTraditional, Roth, SEP, and SIMPLE IRA calculators.
Backdoor Roth IRA Calculator
Estimate the tax cost of a backdoor Roth conversion under current IRA contribution limits, including the pro-rata rule impact of existing Traditional, SEP, and SIMPLE IRA balances.
IRA Growth Calculator
Project how a Traditional or Roth IRA could grow over time using current annual contribution limits, your expected return, and your selected time horizon.
Roth IRA Conversion Calculator
Analyze the tax cost of converting a Traditional IRA to Roth, estimate the break-even point, and compare projected after-tax wealth under current federal rules.
SEP IRA Contribution Calculator
Calculate the maximum SEP IRA contribution for a self-employed individual using current federal limits and the self-employed deduction worksheet approach.
SIMPLE IRA Contribution Calculator
Calculate employee deferrals and employer contributions for a standard SIMPLE IRA using current federal limits and compare the 3% match with the 2% nonelective formula.
Social Security
2 calculatorsSocial Security benefit estimation and claiming strategy tools.
Social Security Benefit Estimator
Free Social Security benefit estimator. Calculate an approximate PIA from AIME using 2026 bend points, then see how claiming age (62-70) affects your monthly benefit. Includes spousal and survivor context.
Social Security Break-Even Calculator
Free Social Security break-even calculator. Compare claiming at 62 vs 67 vs 70. Find the age where cumulative benefits of delayed claiming exceed early claiming. Includes survivor analysis.
Pension
2 calculatorsPension valuation, lump sum comparison, and payout calculators.
Pension Value Calculator
Free pension value calculator. Estimate the present value of your pension annuity. Compare lump-sum equivalent with COLA adjustments and discount rate analysis.
Pension vs Lump Sum Calculator
Free pension vs lump sum calculator. Compare lifetime pension payments to a lump-sum payout invested on your own. Find the break-even return rate and optimal choice.
Business Finance
34 calculatorsBreak-even, margins, ratios, cost of capital, and capital budgeting tools.
Accounting Profit Calculator
Calculate accounting profit with full income statement breakdown — gross profit, EBITDA, operating profit, EBT, and net income with margin percentages.
Accumulated Depreciation Calculator
Calculate accumulated depreciation using straight-line, double declining balance, sum-of-years digits, or units of production methods with full schedule.
Average Fixed Cost Calculator
Calculate average fixed cost (AFC) per unit, average total cost, break-even units, contribution margin, and see how economies of scale reduce per-unit costs.
Break-Even Analysis Calculator
Free break-even calculator for small business. Find break-even units, revenue, and margin of safety. Map your path to profitability with clear sales targets.
Cost of Capital Calculator
Free cost of equity and cost of debt calculator using CAPM. Calculate required return on equity with risk-free rate, beta, and market premium. Building block for WACC.
Cost of Doing Business Calculator
Calculate your total business operating costs, minimum hourly rate, break-even revenue, and profit margin. Includes cost breakdown visualization and revenue scenarios.
Current Ratio Calculator
Free current ratio calculator. Measure short-term liquidity by comparing current assets to current liabilities. Includes quick ratio comparison and industry benchmarks.
Days Inventory Outstanding (DIO) Calculator
Calculate days inventory outstanding, inventory turnover, holding costs, and compare against industry benchmarks. Includes sensitivity analysis and efficiency metrics.
Debt-to-Equity Ratio Calculator
Free debt-to-equity ratio calculator. Measure financial leverage by comparing total liabilities to shareholders' equity. Industry benchmarks and risk assessment included.
Depreciation Calculator
Calculate depreciation using 6 methods: straight-line, double declining, sum-of-years, units of production, MACRS 5-year, and MACRS 7-year with full schedules.
EBITDA Calculator
Free EBITDA calculator. Compute earnings before interest, taxes, depreciation & amortization. Show EBITDA margin, compare industry multiples, and value your business.
Economic Profit Calculator
Calculate economic profit by subtracting both explicit and implicit (opportunity) costs from revenue. Compare accounting vs economic profit and assess value creation.
Economic Value Added (EVA) Calculator
Free EVA calculator. Measure true economic profit after deducting the cost of all capital. Determine whether a company creates or destroys shareholder value.
Ending Inventory Calculator
Calculate ending inventory using FIFO, LIFO, or weighted average methods. Compare COGS across costing methods and analyze inventory turnover metrics.
Financial Leverage Calculator
Free financial leverage calculator. Compute the Degree of Financial Leverage (DFL), analyze how debt financing amplifies returns, and assess risk-reward tradeoff of capital structure.
Internal Rate of Return (IRR) Calculator
Free IRR calculator. Compute the Internal Rate of Return for any cash flow series. Compare IRR to WACC for investment accept/reject decisions with NPV cross-check.
Net Operating Assets Calculator
Calculate net operating assets (NOA), return on NOA, and NOA turnover. Separate operating from financing activities for cleaner business analysis.
NPV for Projects Calculator
Free net present value calculator for capital budgeting. Evaluate projects with unequal cash flows, compare alternatives, and make accept/reject decisions using NPV analysis.
Operating Asset Turnover Calculator
Calculate operating asset turnover ratio with DuPont decomposition, capital planning, and industry benchmarks. Measure how efficiently assets generate revenue.
Operating Cash Flow Calculator
Calculate operating cash flow using the indirect method. Includes FCF, cash quality ratio, capex coverage, waterfall visualization, and monthly projections.
Operating Cash Flow Ratio Calculator
Calculate operating cash flow ratio, cash debt coverage, and interest coverage. Assess whether your business generates enough cash to cover short-term obligations.
Operating Leverage Calculator
Free operating leverage calculator. Measure the Degree of Operating Leverage (DOL), see how fixed costs amplify profit swings, and analyze sensitivity to revenue changes.
Operating Margin Calculator
Free operating margin calculator. Compute operating income as a percentage of revenue, compare to industry benchmarks, and track margin trends over time.
Payback Period Calculator
Free payback period calculator. Find how long to recover an investment with simple and discounted payback methods. Compare projects side by side.
Price to Cash Flow Ratio Calculator
Calculate P/CF, P/FCF, and cash flow yield for stock valuation. Compare price-to-cash-flow vs P/E ratio with implied price scenarios and peer analysis.
Profit Calculator
Calculate gross profit, EBITDA, EBIT, and net profit with margin analysis. Includes profit waterfall, break-even revenue, and sensitivity scenarios.
Profitability Index Calculator
Free profitability index calculator. Measure value per dollar invested, rank capital budgeting projects, and optimize limited investment capital using the PI ratio.
Quick Ratio (Acid Test) Calculator
Free quick ratio calculator. The acid test measures liquidity without inventory. Compare quick ratio to current ratio and review industry benchmarks.
Return on Assets (ROA) Calculator
Free ROA calculator. Measure how efficiently your business uses assets to generate profit. Compare ROA to cost of debt for leverage decisions and industry benchmarks.
Return on Equity (ROE) Calculator
Free ROE calculator with DuPont decomposition. Compute return on equity, break it into margin, turnover & leverage components, and compare to industry benchmarks.
Revenue Calculator
Calculate total revenue from multiple streams with discount/return adjustments. Includes revenue mix visualization, price sensitivity, and stream breakdown analysis.
Revenue Growth Calculator
Calculate revenue growth rate, CAGR, and doubling time. Analyze 5-year trend with YoY breakdown, acceleration detection, and forward projections.
WACC Calculator
Free WACC calculator. Compute weighted average cost of capital from cost of equity, cost of debt, capital structure, and tax rate. Essential for DCF valuation.
Website Ad Revenue Calculator
Estimate website ad revenue from pageviews, RPM, and ad networks. Compare AdSense vs Mediavine vs Raptive with traffic projections and revenue stream analysis.
Cash Flow
7 calculatorsWorking capital, receivables, payables, inventory turnover, and cash conversion.
Accounts Payable Turnover Calculator
Free accounts payable turnover calculator. Find AP turnover ratio and days payable outstanding (DPO). Optimize payment timing for better cash management.
Accounts Receivable Turnover Calculator
Free accounts receivable turnover calculator. Find AR turnover ratio and days sales outstanding (DSO). Benchmark collection speed and improve cash flow.
Cash Conversion Cycle Calculator
Free cash conversion cycle (CCC) calculator. Combine DSO, DIO, and DPO to measure how fast your business converts investment into cash. Optimize cash flow.
Cash Flow Forecast Calculator
Free cash flow forecast calculator. Project monthly inflows, outflows, and balances for 12 months. Identify negative cash months before they happen.
Free Cash Flow Calculator
Free cash flow (FCF) calculator. Compute operating cash flow minus CapEx, FCF yield, and FCF per share. Essential for valuation and dividend sustainability analysis.
Inventory Turnover Calculator
Free inventory turnover calculator. Measure how fast inventory sells with turnover ratio and days inventory outstanding (DIO). Optimize stock levels.
Working Capital Calculator
Free working capital calculator. Compute working capital and the current ratio from current assets and liabilities. Review short-term business liquidity.
Startup Metrics
3 calculatorsBurn rate, runway, LTV/CAC, churn, MRR, and unit economics calculators.
Churn Rate Impact Calculator
Free churn rate impact calculator. Visualize the compounding revenue loss from churn, model retention curves, and see the dollar impact of reducing churn by just 1%.
MRR & ARR Calculator
Free MRR and ARR calculator. Break down monthly recurring revenue into new, expansion, contraction, and churned components. Track SaaS revenue health with net MRR movement.
Unit Economics Calculator
Free unit economics calculator. Analyze per-unit revenue, costs, and contribution. Project path to profitability at scale and visualize break-even volume.
Valuation
3 calculatorsDCF, revenue multiples, startup valuation, and free cash flow tools.
DCF Valuation Calculator
Free discounted cash flow (DCF) valuation calculator. Project 5-10 years of free cash flow, calculate terminal value, and discount to present value using WACC.
Revenue Multiple Valuation Calculator
Free revenue multiple valuation calculator. Estimate company worth using industry revenue multiples. Compare SaaS, e-commerce, fintech, and traditional business multiples.
Startup Valuation Calculator
Free startup valuation calculator using Berkus, Scorecard, and Risk Factor methods. Compare pre-revenue valuation approaches and get a blended estimate.
Budgeting
23 calculatorsPersonal budgeting, cost of living, inflation, and life expense planning calculators.
50/30/20 Budget Calculator
Free 50/30/20 budget calculator. Split your after-tax income into Needs (50%), Wants (30%), and Savings (20%). See exact dollar targets for each category.
50/30/20 Rule Calculator — Budget Allocation Planner
Free 50/30/20 budget calculator. Allocate income to needs, wants, and savings with real-time budget health scoring, visual breakdowns, and spending comparison tables.
Budget Calculator — Monthly Income & Expense Planner
Free budget calculator. Track monthly income and expenses by category, identify savings opportunities, visualize spending breakdowns, and project future savings.
Business Budget Calculator — Revenue, Expenses & Profit Planner
Free business budget calculator. Plan revenue, COGS, payroll, overhead, and marketing expenses. See gross & net margins, break-even revenue, and revenue sensitivity analysis.
Childcare Cost Calculator
Free childcare cost calculator. Compare daycare, nanny, and au pair costs side by side. Factor in dependent care FSA tax savings and estimate total childcare expenses.
College Savings (529) Calculator
Free 529 college savings calculator. Project the future value of your monthly contributions with tax-free growth and compare to projected college tuition costs.
Cost of Living Comparison Calculator
Free cost of living comparison calculator. Compare housing, groceries, transport, and healthcare costs between two cities. Find the salary you need to maintain your lifestyle.
Debt-Free Date Calculator
Free debt-free date calculator. Enter your debt balance, interest rate, and monthly payment to see the exact date you'll be debt-free plus total interest paid and ways to accelerate payoff.
Divorce Financial Impact Calculator
Free divorce financial impact calculator. Estimate the financial effects of divorce including asset division, new housing costs, legal fees, income changes, and adjusted living expenses.
Education Cost Calculator
Free education cost calculator. Estimate total college cost including tuition, room & board, fees, books, and personal expenses for public, private, in-state, and out-of-state schools.
Emergency Fund Calculator
Free emergency fund calculator. Determine your ideal emergency fund size based on monthly expenses, see your savings gap, and create a plan to reach your target.
Hourly Rate of Life Calculator
Free hourly rate of life calculator. Calculate your true hourly wage after taxes, commute, and work expenses, then convert purchases into hours of life energy to make smarter spending decisions.
Inflation Calculator
Free inflation calculator. Project how prices rise over time, calculate purchasing power loss, and find the future cost of goods using a custom or average inflation rate.
Moving Cost Calculator
Free moving cost calculator. Estimate your total moving expenses for local or long-distance moves, and compare DIY vs. full-service moving company costs side by side.
Pet Lifetime Cost Calculator
Free pet lifetime cost calculator. Estimate the total cost of owning a dog, cat, or other pet over their entire lifespan including food, vet care, insurance, grooming, and supplies.
Prenuptial Financial Planning Calculator
Free prenuptial financial planning calculator. Compare combined vs. separate finances, model asset protection scenarios, and understand the financial implications of different prenuptial arrangements.
Purchasing Power Calculator
Free purchasing power calculator. Translate money from one year into another year and estimate how inflation changes the real value of a dollar over time.
Real Wage Growth Calculator
Free real wage growth calculator. See if your raise actually increases purchasing power after inflation. Compare nominal vs real wage growth.
Savings Calculator — Goal Planner & Growth Projector
Free savings calculator. Plan your savings goal, calculate monthly deposits needed, project interest growth with compound interest, and compare HYSA vs investment returns.
Sinking Fund Calculator — Multi-Goal Savings Planner
Free sinking fund calculator. Manage multiple savings goals simultaneously, track progress with visual bars, calculate monthly allocations, and plan your sinking fund schedule.
Subscription Audit Calculator
Free subscription audit calculator. Add all your recurring subscriptions to see the true annual cost, what you'd have if you invested the money instead, and identify subscriptions to cut.
Wedding Budget Calculator
Free wedding budget calculator. Allocate your total wedding budget across venue, catering, photography, and more with recommended percentages and national average benchmarks.
Zero-Based Budget Calculator
Free zero-based budget calculator. Assign every dollar of income to a specific category. Ensure your budget balances to zero with interactive category management.
Net Worth & FIRE
8 calculatorsNet worth tracking, financial independence, and FIRE movement calculators.
Coast FIRE Calculator
Free Coast FIRE calculator. Find out if your investments can grow to your retirement goal without additional contributions, and when you can stop saving aggressively.
Fat FIRE Calculator
Free Fat FIRE calculator. Calculate the portfolio needed for a comfortable early retirement with $100K+ annual spending and see how long it takes to reach Fat FIRE.
Financial Freedom Date Calculator
Free financial freedom date calculator. Project the exact calendar date when your investment portfolio will reach your financial independence number based on current savings, income, and growth rate.
Financial Independence Number Calculator
Free financial independence (FI) number calculator. Calculate how much you need to retire using the 4% rule, 25× expenses method, and multiple safe withdrawal rates.
Lean FIRE Calculator
Free Lean FIRE calculator. Calculate how much you need for a frugal early retirement on $20K-$40K/year and see how quickly you can reach financial independence.
Net Worth Calculator
Free net worth calculator. Add all assets and liabilities to calculate your total net worth. Track progress with asset and liability breakdown visualization.
Net Worth Milestone Calculator
Free net worth milestone calculator. See how many years until you reach $100K, $500K, $1M, and beyond based on your current savings, income, and growth rate.
Savings Rate for FIRE Calculator
Free savings rate for FIRE calculator. See how your savings rate determines years to financial independence using the famous "Shockingly Simple Math" behind early retirement.
Insurance Needs
5 calculatorsLife, disability, umbrella, health, and car insurance needs assessment tools.
Car Insurance Comparison Calculator
Free car insurance comparison calculator. Compare coverage levels, deductible trade-offs, and total annual costs to find the best auto insurance value for your situation.
Disability Insurance Needs Calculator
Free disability insurance needs calculator. Find your ideal monthly benefit, coverage gap, and learn the difference between own-occupation and any-occupation policies.
Health Insurance Comparison Calculator
Free health insurance comparison calculator. Compare HDHP, PPO, and HMO plans by total annual cost including premiums, deductibles, copays, coinsurance, and HSA benefits.
Life Insurance Needs Calculator
Free life insurance needs calculator using the DIME method. Calculate how much life insurance coverage your family needs for income replacement, debts, and education.
Umbrella Insurance Needs Calculator
Free umbrella insurance needs calculator. Determine how much excess liability coverage you need based on net worth, future earnings, and existing policy limits.
Credit Score
4 calculatorsCredit utilization, payment history, credit mix, and score impact calculators.
Credit Mix Impact Calculator
Free credit mix impact calculator. Assess your credit account diversity across revolving, installment, and mortgage accounts and understand its 10% FICO score impact.
Credit Score Impact Calculator
Free credit score impact calculator. Estimate how common financial actions like opening accounts, missed payments, and utilization changes affect your FICO score.
Credit Utilization Calculator
Free credit utilization calculator. Check your per-card and overall utilization ratio, see how it affects your credit score, and find the optimal balance targets.
Payment History Impact Calculator
Free payment history impact calculator. Simulate how late payments, missed payments, and on-time payments affect your FICO score and see recovery timelines.