Financial calculators for your next money decision.
31 free calculators, mortgage, budget, debt, savings, and more. Enter your numbers and get a real answer, no sign up required.
Home buying
Your estimated monthly payment, broken into principal, interest, tax, and insurance.
A realistic home price based on your income, debts, and down payment.
A short check on credit, savings, and debt that scores how ready you are to buy.
Your estimated payment on an FHA loan, mortgage insurance included.
Compare payments and mortgage insurance costs between an FHA loan and a conventional loan.
Refinancing
Compare your current payment to a new rate and term, and see the break even point.
The total dollar question: how much refinancing saves or costs over the full loan life.
Your new payment after rolling extra cash into a new mortgage, and whether there is a real break even.
Same mortgage, two ways to refinance it. See what taking cash out really costs you each month.
Home equity
Your available credit line, plus the interest only payment now versus the real payment once repayment starts.
Compare the payment and total interest of borrowing against your home versus an unsecured personal loan.
Two ways to turn home equity into cash, compared side by side on payment and total interest.
See what a home secured HELOC actually saves you in interest over paying off a card balance.
Mortgage payments
See what an extra payment each month, or a one time lump sum, does to your payoff date.
See whether paying for a lower rate upfront actually pays off, and when.
A year by year schedule of every payment, split between principal and interest.
Savings and investing
Log your assets and debts and watch the total change between retakes.
See how many months your savings actually cover, and how to close the gap.
What steady contributions turn into, given enough time to compound.
Name what you are saving for and see the monthly number to get there on time.
Income and budgeting
A rough estimate of what lands in your account after tax, Social Security, and Medicare.
See where your income actually goes each month, by category.
See how much of your income rests on any single source.
Log income and spending over time and see which one is winning.
Spending and bills
A quick, honest check before you buy: yes, wait, or not right now.
List what you are subscribed to and see the real total, monthly and yearly.
List your recurring bills once, and always know what is coming up next.
Four quick questions, once a week, with a streak to keep it going.