Calculators
Free calculators for credit cards, savings and tax. Each shows its working and its sources, runs in your browser, and needs no sign-up.
Home and mortgage
Mortgage payments at this week's rates, how much house you can afford, refinancing, renting against buying, HELOCs and paying off early.
- Mortgage CalculatorYour full monthly mortgage payment: principal and interest, property tax, insurance, PMI and HOA dues, at this week's average rate, with a yearly amortization schedule.
- Home Affordability CalculatorThe home price your income supports under the 28/36 guideline lenders use, counting your other debts, down payment, taxes and insurance, at this week's average rate.
- Property Tax CalculatorWhat a home costs in property tax a year, from its value and the effective rate where you live. The national median is $3,119 a year, 0.94% of a median $332,700 home.
- Refinance CalculatorWhether refinancing your mortgage pays off: the new payment, the monthly saving, how long the closing costs take to earn back, and the change in total cost.
- FHA Loan CalculatorYour FHA mortgage payment with the 1.75% upfront premium and the annual mortgage insurance premium, and how long that premium lasts.
- VA Loan CalculatorYour VA home loan payment and the VA funding fee, which depends on your down payment and whether you have used a VA loan before. VA loans have no mortgage insurance.
- PMI CalculatorWhat private mortgage insurance costs on a conventional loan with less than 20% down, and when you can cancel it or it ends on its own.
- Mortgage Points CalculatorWhether paying discount points to lower your mortgage rate is worth it: the cost, the monthly saving and how long until the points pay for themselves.
- Closing Cost CalculatorHow much cash you need at closing when buying a home: the down payment, closing costs of about 2% to 5% of the loan, and prepaid insurance and escrow.
- Down Payment CalculatorHow much you need for a down payment and closing costs, and how long saving takes at your monthly amount and savings rate.
- Rent vs Buy CalculatorWhether buying or renting leaves you better off after the years you plan to stay, counting mortgage interest, tax, upkeep, selling costs and what a renter earns investing the down payment.
- Rent Affordability CalculatorThe rent your income supports under the 30% guideline, what a given rent takes of your pay, and the income landlords often ask for, with median rents in large metro areas.
- Mortgage Payoff CalculatorHow much sooner your mortgage is paid off, and how much interest you save, by paying extra each month or making a one-time payment.
- HELOC CalculatorHow big a home equity line of credit you could get, and what it costs a month: interest-only while you draw, then principal and interest once repayment starts.
Pay and tax
Take-home pay and income tax in every state, your refund, hourly to salary, and the new 2025–2028 deductions for tips, overtime, seniors and car loans.
- Cost of Living CalculatorWhat salary in another city gives you the same standard of living, from the Bureau of Economic Analysis's 2024 price levels for 193 metro areas.
- Capital Gains Tax CalculatorThe federal tax on a gain from selling stock, funds, property or other investments in 2026: 0%, 15% or 20% if held over a year, your ordinary rate if not, plus the 3.8% net investment income tax at higher incomes.
- Self-Employment Tax CalculatorSelf-employment tax (Social Security and Medicare for the self-employed) and federal income tax on 1099 or business income for 2026, and the quarterly estimated payments to make.
- Bonus Tax CalculatorHow much of a bonus reaches your bank account after the 22% federal supplemental withholding, Social Security, Medicare and state withholding.
- Raise CalculatorWhat a raise adds to your salary and to your take-home pay after federal, state, Social Security and Medicare taxes, per year and per paycheck.
- Paycheck CalculatorWhat you take home from each paycheck after federal income tax, Social Security, Medicare and state income tax, with 2026 tax rates for every state.
- Income Tax CalculatorYour 2026 federal and state income tax from your income, filing status and children, with your tax bracket and the effective rate you really pay.
- Tax Refund CalculatorWhether you'll get a federal refund or owe for 2026, from your income, the tax withheld from your pay, your children and the new deductions.
- Hourly to Salary CalculatorTurn an hourly wage into a yearly, monthly, biweekly and weekly salary, and a salary back into an hourly rate.
- No Tax on Tips CalculatorHow much of your tip income you can deduct under the "no tax on tips" rule for 2025 to 2028, after the income phase-out, and the federal tax it saves.
- No Tax on Overtime CalculatorHow much of your overtime pay you can deduct under the "no tax on overtime" rule for 2025 to 2028: the premium part of time-and-a-half, after the income phase-out.
- Senior Deduction CalculatorThe extra $6,000 deduction for people 65 and older, for 2025 to 2028: how much you keep after the income phase-out, and the federal tax it saves.
- Car Loan Interest Deduction CalculatorHow much of the interest on a new car loan you can deduct for 2025 to 2028, up to $10,000 a year, after the income phase-out, and the tax it saves.
Debt, loans, cars and credit
Loan and car payments, paying off cards and other debts, consolidation and 0% transfers, buy now pay later, a loan's true APR, and your credit report and utilization.
- Loan CalculatorThe monthly payment on any fixed-rate loan, what it costs in interest, and the full amortization schedule showing where each payment goes.
- Credit Card Payoff CalculatorHow long a card balance takes to pay off at a fixed monthly payment, what the interest costs, and what paying a little more saves.
- Credit Card Minimum Payment CalculatorHow your card's minimum payment is worked out, how long paying only the minimum takes, and what it costs in interest.
- Debt Snowball CalculatorPlan paying off several debts at once: the snowball method (smallest balance first) against the avalanche (highest APR first), with the month each debt is gone.
- Balance Transfer CalculatorWhether moving a card balance to a 0% intro APR card saves money once the transfer fee is paid, and the payment that clears it before the 0% ends.
- Debt Consolidation CalculatorWhether a debt consolidation loan saves money against paying your cards as you do now, once its origination fee is counted.
- APR CalculatorA loan's APR counts its fees as well as its interest rate. Enter the rate, term and upfront fees to see the true yearly cost and the monthly payment.
- Credit Utilization CalculatorThe share of your credit limits you are using, overall and on each card, and how much to pay before your statement dates to bring it down.
- Student Loan Repayment CalculatorYour federal student loan payment under the new Repayment Assistance Plan, the new standard plan and income-based repayment, with what each costs in total and any amount forgiven.
- Auto Loan CalculatorYour monthly car payment with sales tax, fees, down payment and trade-in, and what the loan costs in interest, with a full payment schedule.
- Car Affordability CalculatorThe car price your income supports, keeping the payment to a set share of your pay, following the 20/4/10 guideline: 20% down, four years, 10% of income.
- Lease vs Buy CalculatorWhether leasing or buying a car costs less over the lease term, counting what you pay and the value of the car you own at the end if you buy.
- Buy Now Pay Later CalculatorWhat a buy now, pay later plan really costs against putting the purchase on a credit card and paying it off over the same months.
- Credit Report Timeline CalculatorWhen a late payment, collection, charge-off, bankruptcy or hard inquiry comes off your credit report, under the Fair Credit Reporting Act's time limits.
Retirement and family
401(k) growth, Social Security at 62, 67 or 70, required minimum distributions, and Trump accounts for children.
- 401(k) CalculatorWhat your 401(k) grows to by retirement with your contributions, your employer's match and investment returns, within the 2026 limit of $24,500.
- Social Security CalculatorA rough estimate of your Social Security retirement benefit from your typical earnings, and how much claiming early or late changes it.
- RMD CalculatorYour required minimum distribution from an IRA or 401(k) this year: last year-end's balance divided by the IRS Uniform Lifetime Table divisor for your age.
- Trump Account CalculatorWhat a Trump account, the new tax-advantaged investment account for children, could grow to by 18: the $1,000 government deposit for children born 2025 to 2028, plus up to $5,000 a year from family and more from employers.
Savings, CDs and tax
What savings and CDs grow to, saving for a goal or an emergency fund, how APY works, inflation, and what interest keeps after tax.
- Budget CalculatorSplit your take-home pay with the 50/30/20 rule: half for needs, 30% for wants and 20% for savings and paying down debt.
- Net Worth CalculatorYour net worth: everything you own minus everything you owe, with and without your home.
- ROI CalculatorThe return on an investment, in total and as a compound yearly rate (CAGR), from what you put in, what it's worth and how long you held it.
- Future Value CalculatorWhat money today, and yearly additions, will be worth in the future at a rate of return, and what a future sum is worth today.
- Compound Interest CalculatorWhat money grows to with compound interest, compounded daily, monthly or yearly, with a deposit every month.
- Inflation CalculatorWhat a dollar amount from any year since 1913 is worth today, from the government's Consumer Price Index through August 2026, and whether your savings rate is beating inflation.
- Savings CalculatorWhat a savings account grows to at an APY, with a deposit every month, year by year.
- Savings Goal CalculatorHow much to save each month to reach a goal by a date, counting what you have already and the interest it earns.
- Emergency Fund CalculatorHow big your emergency fund should be, from your essential monthly spending and the months you want to cover, and how long it takes to build.
- APY CalculatorTurn an interest rate and its compounding into APY, the annual percentage yield banks quote, and see what it earns.
- CD CalculatorWhat a certificate of deposit earns by maturity, and what you keep if you close it early and pay the penalty.
- CD Ladder CalculatorSplit your savings across CDs that mature a year apart, so some money comes free every year while most of it earns long-term rates.
- I Bond CalculatorWhat your Series I savings bonds are worth, the rate they earn now, and what cashing in early costs. New I bonds earn 4.26% until October 2026.
- FDIC Insurance CalculatorHow much of your money at one bank is FDIC insured, category by category: accounts in your name, joint accounts, IRAs and trust accounts.
- After-Tax Yield CalculatorWhat a savings or CD rate keeps after federal and state income tax, and whether a Treasury bill, which is free of state tax, keeps more.