Free financial calculators to help you plan your next money decision. Each one shows the math behind the result, so you can see exactly how changing a rate, term or payment affects what you pay.
Mortgage and home calculators
- Mortgage Calculator: estimate your monthly payment with taxes, insurance, PMI and HOA, model extra payments and view the full amortization schedule.
- Home Affordability Calculator: find out how much house you can afford from your income, debts and down payment using lender debt-to-income guidelines.
- Refinance Calculator: compare your current mortgage with a new loan and see your monthly savings, break-even point and net savings after closing costs.
- Rent vs. Buy Calculator: compare the true long-term cost of renting and buying, and find the rent at which buying starts to make sense.
- HELOC Calculator: see how much you can borrow against your home, your draw and repayment payments, and what happens if rates rise.
Loans and debt calculators
- Auto Loan Calculator: estimate your car payment with sales tax, fees, down payment and trade-in, compare loan terms and see if you would owe more than the car is worth.
- Personal Loan Calculator: estimate your payment and total interest, see how an origination fee changes what you receive, and find the true APR.
- Student Loan Calculator: estimate your payment, see how extra payments help, and compare the Standard, new tiered Standard and Repayment Assistance Plan (RAP).
- Debt Payoff Calculator: compare the debt snowball and avalanche methods for all your debts and see your debt-free date, total interest and payoff order.
- Credit Card Payoff Calculator: see how long it takes to pay off a card, the payment needed to be debt-free by a date, and whether a balance transfer saves money.
Savings and investing calculators
- Compound Interest Calculator: see how your savings grow with monthly deposits, different compounding frequencies and inflation, with a year-by-year schedule.
- Retirement Calculator: see how much you will have at retirement, how much you need, how long your savings will last and how much more to save each month.
- Savings Goal Calculator: find how much to save each month to reach a goal by a set date, or how long it will take at an amount you can afford.
- Investment Return Calculator: find the annualized return you have earned, even with monthly contributions, or the return you need to reach a goal.
Insurance and other calculators
- Life Insurance Calculator: estimate how much coverage your family would need based on your income, debts, college costs and final expenses, minus your savings and existing coverage.
- Net Worth Calculator: add up your assets and debts to find your net worth and see how it compares with the median for your age.
- Budget Calculator (50/30/20): split your take-home pay into needs, wants and savings, and compare it with what you actually spend.
Calculator results are estimates for educational purposes and are not financial advice.