Loans, interest and overpayment
Calculate monthly payments and interest, build a loan schedule or compare the savings from early repayment.
Calculator catalog
Choose the calculation you need
The catalog is structured around real financial decisions. New tools will use the same clear interface and country-independent formulas.
Available
Investing
Compound interest
Estimate future value with monthly contributions, flexible compounding frequency and contribution timing.
Open calculatorAvailable
Savings
Savings goal
Find the monthly contribution required to reach a target amount by a chosen date.
Open calculatorAvailable
Loans
Loan payment
Calculate fixed or declining payments, total interest and a downloadable amortization schedule.
Open calculatorAvailable
Loans
Early loan repayment
Compare reducing the loan term with reducing the monthly payment.
Open calculatorAvailable
Loans
Mortgage
Estimate principal, interest, property tax, insurance, HOA, PMI and the amortization schedule.
Open calculatorAvailable
Loans
Auto loan
Calculate a car payment with down payment, trade-in equity, taxes, fees and extra payments.
Open calculatorAvailable
Savings
CD and deposit
Calculate CD maturity value, interest, deposits, withdrawals and optional tax.
Open calculatorAvailable
Planning
Inflation
See how inflation changes purchasing power and the future cost of a financial goal.
Open calculatorAvailable
Investing
ROI and investment return
Calculate simple ROI or annualized return and profit after monthly contributions.
Open calculatorAvailable
Investing
Stock average price
Find the weighted average across multiple lots and preview the effect of another purchase.
Open calculatorAvailable
Planning
FIRE and Coast FIRE
Estimate a FIRE target, passive income, time to goal and Coast FIRE number.
Open calculatorAvailable
Interest
Simple interest
Calculate simple interest and final value, or solve the same formula for principal, annual rate, or time.
Open calculatorAvailable
Savings
APY
Convert nominal APR to annual percentage yield, convert APY back to nominal APR, or project growth from a quoted APY.
Open calculatorAvailable
Retirement
Retirement
Compare projected savings with a retirement income target based on age, contributions, spending, inflation and returns before and after retirement.
Open calculatorAvailable
Retirement
401(k)
Project 401(k) growth with employee contributions, employer matching, salary growth and investment return.
Open calculatorAvailable
Retirement
Roth IRA
Project Roth IRA growth or estimate a 2026 direct-contribution limit from age, compensation, MAGI and filing status.
Open calculatorAvailable
Education savings
529 plan
Compare projected 529 savings with an inflation-adjusted college cost target using your own contribution and return assumptions.
Open calculatorAvailable
Home buying
House affordability
Estimate a home-price range from income, monthly debts, down payment, mortgage assumptions and front-end and back-end ratios.
Open calculatorAvailable
Debt payoff
Credit card payoff
Estimate a credit-card payoff date with a fixed payment, a declining minimum or the payment required for a target term, including promotional APR and new charges.
Open calculatorAvailable
Debt payoff
Debt payoff
Compare snowball and avalanche schedules across up to twenty debts with a fixed monthly budget, annual extras, multiple one-time payments and optional consolidation.
Open calculatorAvailable
Retirement
401(k) loan
Calculate periodic payment, total interest and total repaid for a fixed-rate 401(k) loan using terms you enter.
Open calculatorAvailable
Retirement
401(k) withdrawal tax
Estimate net cash from a 401(k) withdrawal using federal, state, local and penalty rates that you supply.
Open calculatorAvailable
Savings
CD ladder
Split a deposit into equal CD rungs and use either regular maturity intervals or a separate term and APY for each rung.
Open calculatorAvailable
Investing
Cost basis
Combine up to three purchase lots and fees to calculate total cost basis, average cost, market value and unrealized gain.
Open calculatorAvailable
Investing
DCA
Model equal monthly investments along a smooth price-growth path and estimate shares purchased, average cost and ending value.
Open calculatorAvailable
Home buying
Rent vs. buy
Compare estimated homeowner equity with a renter investment account after mortgage costs, rent growth, appreciation and transaction costs.
Open calculatorChoose a tool
One calculation for each financial question
Each page answers a specific question and explains the formula, assumptions and limits behind the result.
Savings and future value
Find the monthly amount needed for a goal and estimate future value with contributions and compound growth.
Returns and purchasing power
Measure portfolio profit, average asset cost, inflation impact and the capital required to cover expenses.