Free, private, and instant — nothing leaves your browser. All 30 tools, no sign-up, with every rate and tax band pulled from a named federal source and dated on the page.
Amortization calculator
See the full amortization schedule for any fixed-rate loan — monthly payment, total interest, the month principal overtakes interest, and what extra payments save.
Run the numbers
Down payment calculator
Work out the cash a home purchase really needs — deposit plus closing costs — how many months of saving that takes, and what waiting for 20% costs against buying now.
Run the numbers
HELOC calculator
Work out what a home equity line costs — how much you can borrow, the interest-only payment, and the jump when repayment starts, stress-tested against a higher rate.
Run the numbers
Home affordability calculator
How much house you can afford — three prices rather than one, what each costs as a share of your take-home pay rather than gross, and what is left over every month.
See what I can afford
Mortgage calculator
Work out the full monthly cost of a home — principal, interest, property tax, insurance and PMI — and see the exact month mortgage insurance falls away.
Run the numbers
Mortgage payoff calculator
See what extra payments, a biweekly schedule or a lump sum save on your mortgage — and the difference between prepaying a lump sum and recasting it.
Run the numbers
Refinance calculator
See whether refinancing pays — the monthly saving, the break-even on closing costs, and whether a fresh 30-year term costs more in total interest than it saves.
Run the numbers
Rent vs buy calculator
Compare renting and buying as net worth over time, including the cost of buying and selling and the return on the money you did not put down — and find the year buying overtakes renting.
Compare rent vs buy
Auto loan calculator
Work out a car payment including sales tax, fees and a trade-in — with negative equity rolled in and the month you stop being underwater on the loan.
Estimate payments
Loan calculator
Work out the monthly payment and total interest on any fixed-rate loan — and what the origination fee does to the real APR, which most loan calculators never tell you.
Estimate payments
Student loan calculator
Work out a student loan payment, what the interest costs over five different terms, and how much interest accrues and capitalises before you make a single payment.
Estimate payments
APY calculator
Convert an interest rate to APY or back, compare two accounts quoted on different compounding bases, and see what the difference is worth in dollars.
Open calculator
Budget calculator
Build a monthly budget, see it split against 50/30/20 with the dollar gap in each bucket, and compare your saving rate with what US households actually save.
Build my budget
CD calculator
Work out what a CD pays at maturity — interest earned, the balance, what tax takes, and what breaking it early would cost. Compared against the FDIC national average.
Open calculator
Compound interest calculator
See what compound interest turns your savings into. Set a balance, rate, deposits and compounding frequency, and get the balance, interest earned and year-by-year growth.
Open calculator
Emergency fund calculator
Size an emergency fund from your own risks instead of a flat three-to-six months — with an insurance-deductible floor, milestones, and what the money earns against inflation.
Open calculator
Interest calculator
Work out interest on any amount — simple or compound, over years, months or days — and see exactly what compounding adds and what a single day of interest costs.
Open calculator
Savings calculator
Work out what your savings grow to, or how much you need to put away each month to hit a target — with what the balance is really worth after inflation.
Open calculator
Credit card interest calculator
See exactly how a credit card interest charge is built — daily periodic rate, average daily balance, the grace period, and why the effective rate is higher than the APR.
Plan my payoff
Credit card payoff calculator
See how long a credit card balance takes to clear, what the interest costs, and how much longer paying only the minimum would take — with a balance-transfer comparison.
Plan my payoff
Debt snowball calculator
List your debts and see the exact month you clear them with the snowball method — plus what the avalanche order would save, and what an extra payment buys you.
Plan my payoff
401(k) calculator
Project your 401(k) to retirement with the employer match, salary rises and the current IRS deferral limits — and see how much match you leave behind each year.
Project growth
Inflation calculator
Convert any amount between two years using the published US CPI series, or project forward at a rate you choose — with the annualised inflation rate between the dates.
Project growth
Investment calculator
Project an investment with contributions, and see the two costs other calculators leave out — what fees remove from the final balance, and what it is worth after inflation.
Project growth
RMD calculator
Work out this year’s required minimum distribution from the IRS Uniform Lifetime Table, see the schedule for the years ahead, and what the withdrawal costs in tax.
Project growth
Retirement calculator
See whether your savings cover the income you want — the balance at retirement, the age the money runs out, your withdrawal rate against the 4% rule, and the contribution that closes a gap.
Plan retirement
Roth IRA calculator
See what a Roth IRA grows to by retirement, how much the IRS actually lets you contribute at your income, and how far ahead you finish versus a taxable account.
Project growth
Capital gains tax calculator
Work out federal capital gains tax on a sale — long-term rates stacked across the 0%, 15% and 20% bands, plus the 3.8% net investment income tax, using the current IRS thresholds.
Estimate
Paycheck calculator
Estimate take-home pay from a salary or hourly rate — federal income tax, Social Security and Medicare, pre-tax deductions — plus what one more percent to your 401(k) really costs.
Estimate
Each calculator states its assumptions in full, because a number without its assumptions is not an answer. Where a figure comes from a federal dataset — IRS rate schedules and contribution limits, the Uniform Lifetime table, BLS inflation data, FDIC deposit rates, Freddie Mac mortgage rates, Federal Reserve survey medians, BEA saving rates — it is fetched from the source, dated on the page, and declared in the page's structured data. Nothing is typed in by hand.
Where something cannot be sourced responsibly, it is left out and said so rather than estimated. The paycheck calculator covers federal tax only. The student loan calculator does not model income-driven repayment and points you to the Department of Education's own simulator instead.
Net worth calculator