Finance
What something costs monthly, what it costs in total, and what a lender will make of it. Every rate here is nominal annual unless the page says otherwise, and every schedule is computed month by month rather than approximated, so the interest figure is the real one.
Loans, saving and income. Standard amortisation and compounding, with the full payment schedule and the total interest, not just the monthly figure.
Loans & mortgages
- Mortgage Payment CalculatorMonthly principal-and-interest payment on a fixed-rate mortgage, plus total interest paid over the full term.
- Loan Payment CalculatorMonthly payment and total interest on any fixed-rate instalment loan — car, personal or student.
- Credit Card Payoff CalculatorHow many months a card balance takes to clear at a fixed monthly payment, and what the interest costs.
- Amortization CalculatorFull payment schedule for a loan, with the option to pay biweekly or add extra each month and see what it saves.
- Auto Loan CalculatorCar payment including sales tax, fees, and a trade-in — with the negative equity most calculators quietly leave out.
- Debt-to-Income Ratio CalculatorFront-end and back-end DTI from your monthly debts, plus the largest housing payment that still fits under each lender ceiling.
- Deferred Payment and Bond CalculatorWhat a loan repaid in one lump sum at maturity grows to, or what a known amount due at maturity is worth today.
- Home Affordability CalculatorThe house price your income supports under the 28/36 rule, with property tax, insurance and HOA inside the limit rather than added on top.
- Payment CalculatorThe monthly payment on a loan, and how much sooner it clears if you pay a different amount instead.
- Home Equity CalculatorHow much equity you have, how much of it a lender will actually let you borrow, and what the payment on it would be.
- Car Lease CalculatorThe monthly lease payment from the price, residual and money factor — and the interest rate that money factor is hiding.
- Refinance CalculatorWhat refinancing saves each month, what it costs to do, and how long you have to stay for it to have been worth it.
- VA Loan CalculatorA VA mortgage payment with the funding fee worked out from the published table — including the jump on a second use that catches people out.
- Rent vs Buy CalculatorWhat renting and buying each cost over the years you plan to stay, counting the money buying ties up as well as the money it spends.
- FHA Loan CalculatorAn FHA payment with both mortgage insurance premiums at the published rates — and whether the annual one ever ends.
- HELOC CalculatorWhat a home equity line of credit costs while you draw on it, and what the payment jumps to on the day the draw period ends.
- Mortgage Payoff CalculatorWhen a mortgage clears if you pay extra each month, how many years that cuts off the term, and what the interest saved comes to.
- Student Loan CalculatorWhat a student loan costs to repay, including interest that builds while you are still studying and the salary the payment implies you need.
- Boat Loan CalculatorMonthly payment on a boat loan including sales tax and trade-in, plus the yearly running cost that decides whether the payment is the affordable part.
- Business Loan CalculatorPayment and true cost of a business loan once origination and packaging fees are taken out of the amount that actually lands in the account.
- Debt Consolidation CalculatorWhether one loan beats the debts you are carrying now, comparing the blended rate, the monthly payment and the total interest including the origination fee.
- Rebate or Low APR CalculatorA dealer offers a rebate or a subsidised rate, never both. This compares the two deals over the same term and says which costs less, and by how much.
- Down Payment CalculatorWhat deposit a purchase needs at a given percentage, what it leaves to borrow, and where the 20% line sits — the point mortgage insurance stops being charged.
Saving & investing
- Compound Interest CalculatorFuture value of a starting balance plus monthly contributions, separating what you put in from what the interest earned.
- Savings Goal CalculatorThe monthly contribution needed to reach a target by a date, given what you have saved already.
- ROI CalculatorReturn on investment as a total percentage and as an annualised rate, so holdings of different lengths compare fairly.
- APY CalculatorAnnual percentage yield from a rate and its compounding frequency, and what it earns on a balance in dollars.
- Interest CalculatorWhat a balance grows to under simple and compound interest, with the gap between the two shown as its own figure.
- CD CalculatorWhat a certificate of deposit is worth at maturity, and what breaking it early costs. Includes the early-withdrawal penalty and the after-tax yield.
- Investment CalculatorWhat regular contributions grow to over time, with the inflation-adjusted figure beside the nominal one.
- Present Value CalculatorWhat a future sum, or a stream of payments, is worth today at a given discount rate. Names what the wait costs, as money and as a share of the nominal total.
- Average Return CalculatorThe compound annual growth rate of an investment, next to the arithmetic average that overstates it.
- Rental Property CalculatorCap rate, cash flow and cash-on-cash return on a rental, counting the three costs that turn a positive spreadsheet negative.
- Mutual Fund Fee CalculatorWhat an expense ratio actually costs over the life of an investment — not the yearly fee, but the compounding that fee never gets to do.
- Payback Period CalculatorHow long an investment takes to repay its own cost, both undiscounted and with the cost of capital applied — the two answers differ by years on a long project.
- College Cost CalculatorWhat a degree will cost by the time a child starts, what current savings will have grown to, and the monthly contribution that closes the gap between them.
- Simple Interest CalculatorInterest charged on the principal only, with the compound figure beside it so the gap the two produce over the same term is visible rather than assumed.
- Future Value CalculatorWhat a sum becomes after compounding, with or without regular additions, and how much of the result is the money you put in rather than the return.
- Capital Gains Tax CalculatorFederal tax on a sale, with the long-term rate stacked on top of your other income the way the law does it — and the 3.8% surtax most calculators forget.
- CAGR CalculatorCompound annual growth rate from a start, an end and a span — the one rate that would have produced the same result, beside the average that would not.
- Doubling TimeHow long a quantity growing at a fixed rate takes to double, with the Rule of 72 shortcut beside the exact figure and the error between them.
- Effective Annual RateThe effective annual rate a nominal rate becomes once compounding is counted, and the gap that makes two accounts quoting the same rate pay different amounts.
- WACC CalculatorWeighted average cost of capital from the equity and debt in the mix, with the cost of equity derived through CAPM.
Income & budget
- Salary CalculatorPay converted between every period — hourly, daily, weekly, biweekly, semi-monthly, monthly and annual — with unpaid holidays and days off taken out.
- Tip CalculatorTip and total from a bill, and what each person owes once it is split — including the rounding that makes the split come out even.
- Fuel Cost CalculatorWhat a trip costs in fuel, from its distance, the mileage the vehicle really gets and the pump price — with the cost per mile to compare on.
- Gas Mileage CalculatorMiles per gallon from a tank of fuel and the miles it covered, with the liters-per-100-km figure and the cost per mile it works out to.
- Unit Price CalculatorPrice per unit for two package sizes at once, so the bigger box can be checked rather than assumed — it is the cheaper one about four times in five, not five.
- Sales Tax CalculatorTax and total from a pre-tax price, plus the reverse — the pre-tax price hidden inside a total you already paid.
- Rent Affordability CalculatorWhat rent your income supports under both the 30% rule and the stricter 28/36 debt-to-income test.
- Pay Raise CalculatorWhat a raise adds per period and per year, and what it is worth after inflation has taken its share.
- Margin and Markup CalculatorMargin and markup from cost and price — the two are not the same number, and the page shows both every time.
- Mileage Reimbursement CalculatorMileage deduction or reimbursement at the IRS standard rates, split across the mid-year rate change.
- Electricity Cost CalculatorWhat an appliance costs to run by the hour, day, month and year, from its wattage and your tariff.
- Budget CalculatorThe 50/30/20 split applied to your take-home pay, against what you are actually spending.
- Depreciation CalculatorStraight line, declining balance and sum-of-years depreciation side by side, with the book value each leaves at the end of a year.
- Commission CalculatorCommission on a sale with a split, a base salary and an accelerator above quota. Splits out the brokerage share and the effective rate.
- GDP CalculatorGross domestic product by the expenditure approach, with the share each component contributes, real GDP after the price deflator, and GDP per head.
- VAT CalculatorValue added tax added to a net price or stripped out of a gross one, with the divisor that makes the second case work and the rate for every EU and UK band.
- Discount CalculatorThe price after a discount, the amount saved, and what a second discount stacked on the first actually comes to — which is never the two rates added together.
- Property Tax CalculatorProperty tax from a home value, with the two things most calculators skip: the assessment ratio, and the exemption that comes off the value rather than the tax.
- Overtime Pay CalculatorTime-and-a-half, double time and the week’s gross, from the regular rate the FLSA actually uses — which folds in a production bonus and is not your base rate.
- No Tax on Tips CalculatorWhat the tip deduction is actually worth: the deduction is capped at $25,000 and saves you your bracket rate on it, not the whole amount.
- No Tax on Overtime CalculatorOnly the half above your regular rate qualifies, and the deduction saves you your bracket rate on it — this works out both, from the hours you actually worked.
- Lottery Tax CalculatorThe advertised jackpot is neither the cash nor the take-home: the lump sum is roughly 48% of it, 24% is withheld, and the real federal rate is 37%.
- AGI CalculatorAdjusted gross income from your income and the adjustments taken before it — the figure a dozen credits and phase-outs are measured against.
- 1099 Tax CalculatorTotal tax on 1099 income — self-employment tax and income tax together — and the quarterly payment that keeps the underpayment penalty away.
- W-4 Withholding CalculatorWhat to put on line 4(c) of a W-4 to land where you want in April — or what to stop withholding if the refund is too big.
- PayPal Fee CalculatorWhat PayPal takes from a payment and what reaches you, on the US rates published 1 September 2026 — plus the amount to invoice to net a target figure.
- Price ElasticityPrice elasticity by the midpoint method, with what the price change does to revenue — the figure the elasticity exists to predict.
- Net Worth CalculatorNet worth from what you own and what you owe, split into liquid and illiquid — with the months of expenses the liquid half would actually cover.
- CPM CalculatorCost per thousand impressions, and the two numbers it hides: what a click actually cost and what the campaign returned.
- NPS CalculatorNet Promoter Score from the counts of promoters, passives and detractors, with the margin of error the sample size actually allows.
- Freight Class CalculatorFreight density in pounds per cubic foot and the NMFC class band it falls in, which is what an LTL quote is priced from.
- CBM CalculatorCubic meters of a shipment, and the chargeable weight that follows from it — the larger of actual and volumetric, which is what you pay on.
Retirement
- 401(k) CalculatorWhat a 401(k) grows to, how much of it is the employer match, and whether your contribution rate leaves any of that match unclaimed.
- Pension CalculatorA defined-benefit pension from years of service and final salary, with the age-62 multiplier cliff and the early-retirement reduction both priced.
- Roth IRA CalculatorWhat a Roth IRA grows to, how much of that balance is growth the IRS never taxes, and what the same money would be worth in a taxable account.
- Traditional vs Roth IRA CalculatorWhich IRA leaves you more after tax, comparing the deduction a traditional IRA gives now against the tax-free withdrawal a Roth gives later.
- RMD CalculatorThe required minimum distribution from a traditional IRA or 401(k), using the IRS Uniform Lifetime Table denominator for your age.
- Annuity Payout CalculatorThe monthly income a lump sum pays out over a fixed number of years at a given return, and how much of that income is interest rather than your own capital.
- Retirement CalculatorWhat your savings reach by retirement and how many years they last against the spending you plan, with inflation applied to both sides.
- Inherited IRA RMD CalculatorWhat an inherited IRA must pay out this year, under the life-expectancy method or the ten-year rule, with the deadline the account has to be empty by.
- Estate Tax CalculatorWhether an estate owes federal tax at all, using the 2026 exclusion of $15,000,000 a person, and what the 40% rate costs on anything above it.
- Roth Conversion CalculatorWhat converting a traditional IRA to a Roth costs in tax now, what it is worth at withdrawal, and the retirement tax rate where the two paths break even.
- Backdoor Roth CalculatorWhat a backdoor Roth costs once the pro-rata rule counts every traditional IRA you own, and what rolling the pre-tax money into a 401(k) first saves.
Reference charts
- Mortgage Payment by Interest Rate Chart — 49 rows
- Compound Growth Chart — 40 rows
- Loan Payment by Term Chart — 15 rows
- Extra Mortgage Payment Chart — 24 rows
- APY by Interest Rate Chart — 28 rows
- Car Loan Payment by Term Chart — 7 rows
- Debt-to-Income Chart by Monthly Income — 22 rows
- RMD Table by Age — IRS Uniform Lifetime Table — 49 rows
- PayPal Fee Chart — 28 rows
- Freight Class Density Chart — 12 rows