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.
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Investing
Compound interest
Estimate future value with monthly contributions, flexible compounding frequency and contribution timing.
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Savings
Savings goal
Find the monthly contribution required to reach a target amount by a chosen date.
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Loans
Loan payment
Calculate fixed or declining payments, total interest and a downloadable amortization schedule.
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Loans
Early loan repayment
Compare reducing the loan term with reducing the monthly payment.
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Loans
Mortgage
Estimate principal, interest, property tax, insurance, HOA, PMI and the amortization schedule.
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Loans
Auto loan
Calculate a car payment with down payment, trade-in equity, taxes, fees and extra payments.
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Savings
CD and deposit
Calculate CD maturity value, interest, deposits, withdrawals and optional tax.
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Planning
Inflation
See how inflation changes purchasing power and the future cost of a financial goal.
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Investing
ROI and investment return
Calculate simple ROI or annualized return and profit after monthly contributions.
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Investing
Stock average price
Find the weighted average across multiple lots and preview the effect of another purchase.
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Planning
FIRE and Coast FIRE
Estimate a FIRE target, passive income, time to goal and Coast FIRE number.
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Savings
Simple Interest
Calculate simple interest for days, months or years. Solve principal, annual rate or time, and model monthly contributions without capitalization.
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Savings
APY
Convert nominal APR to annual percentage yield, convert APY back to nominal APR, or project growth from a quoted APY.
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Retirement
Retirement
Compare projected savings with a retirement income target based on age, contributions, spending, inflation and returns before and after retirement.
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Retirement
401(k)
Project 401(k) growth with employee contributions, employer matching, salary growth and investment return.
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Retirement
Roth IRA
Project Roth IRA growth or estimate a 2026 direct-contribution limit from age, compensation, MAGI and filing status.
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Education savings
529 plan
Compare projected 529 savings with an inflation-adjusted college cost target using your own contribution and return assumptions.
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Home buying
House affordability
Estimate a home-price range from income, monthly debts, down payment, mortgage assumptions and front-end and back-end ratios.
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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.
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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.
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Retirement
401(k) loan
Calculate periodic payment, total interest and total repaid for a fixed-rate 401(k) loan using terms you enter.
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Retirement
401(k) withdrawal tax
Estimate net cash from a 401(k) withdrawal using federal, state, local and penalty rates that you supply.
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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.
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Investing
Cost basis
Combine up to three purchase lots and fees to calculate total cost basis, average cost, market value and unrealized gain.
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Investing
DCA
Model equal monthly investments along a smooth price-growth path and estimate shares purchased, average cost and ending value.
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Home buying
Rent vs. buy
Compare estimated homeowner equity with a renter investment account after mortgage costs, rent growth, appreciation and transaction costs.
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Planning
US Inflation — Historical Dollar Value
Compare dollar purchasing power between published months since 1913 using official BLS CPI-U data. Calculate cumulative inflation and equivalent U.S. dollar value.
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Planning
Annuity
Calculate annuity income, payout payments or future value. Compare ordinary and beginning-of-period payments, including a growing annuity.
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Planning
Budget — 50/30/20
Build a monthly household budget from take-home income. Compare needs, wants and savings with the 50/30/20 rule or your own target percentages.
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Loans
Debt-to-Income Ratio
Calculate your current and proposed debt-to-income ratio, housing ratio and monthly room under an entered DTI target. Use gross monthly income.
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Loans
HELOC Payment
Calculate interest-only HELOC payments during the draw period and amortizing repayment afterward. Include repeated draws, a credit limit and separate phase rates.
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Loans
Home Equity Loan
Estimate a fixed home equity loan or second mortgage payment. Calculate home equity, a borrowing limit from your entered CLTV and an amortization schedule.
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Investing
Present Value
Find the present value of a future sum, an ordinary or due annuity, or a series of future cash flows at your entered discount rate.
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Investing
Rule of 72
Estimate investment doubling time with the rules of 72, 70 and 69. Compare exact compound-growth time and the annual return needed for a chosen doubling period.
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Loans
Student Loan
Calculate fixed student loan payments, interest and payoff time with extra monthly payments. Compare refinancing at an entered new rate, term and financed fee.
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Loans
Loan refinance
Compare your existing personal loan with a new offer: payments, interest, refinancing costs and savings over your planned holding period.
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Loans
Mortgage refinance
Compare your existing mortgage with a new offer: payments, interest, refinancing costs and savings over your planned holding period.
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Loans
Auto loan refinance
Compare your existing auto loan with a new offer: payments, interest, refinancing costs and savings over your planned holding period.
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Investing
Dividends
Calculate dividend yield, annual income and portfolio growth with dividend reinvestment, recurring contributions and your own growth assumptions.
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Investing
IRR and XIRR
Calculate internal rate of return for equal periods or XIRR for dated cash flows. Check discounted cash flows and download the results.
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Investing
NPV
Calculate net present value from your initial investment, future cash flows and discount rate. Compare discounted cash flows for equal periods or exact dates.
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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.