Updated for the 2026 tax year · No sign-up
Free Finance Calculators
Accurate, transparent tools for the money decisions that matter — mortgages, loans, auto financing, investing, retirement, taxes, and everyday budgeting. Every calculator shows the formulas and sources behind the result, so you can trust the number and understand where it came from.
Browse calculators by topic
Mortgage & Home
Free mortgage and home-financing calculators — estimate monthly payments, amortization, and how much house you can afford, with the formulas shown.
Mortgage Calculator
Estimate your monthly payment with principal, interest, taxes, insurance, and PMI, plus a full amortization schedule.
Home Affordability Calculator
Find out how much house you can afford. Enter your income, debts, and down payment to see your target home price and monthly payment, using the 28/36 rule.
Rent vs. Buy Calculator
Should you rent or buy? Compare the true cost of buying a home against renting and investing the difference, with a year-by-year net-worth break-even.
Mortgage Payoff Calculator
See how extra monthly payments shorten your mortgage and cut total interest. Enter your loan and an extra amount to find your new payoff date and savings.
Refinance Calculator
See if refinancing your mortgage is worth it. Compare your current payment to a new loan, find the break-even month on closing costs, and total interest saved.
HELOC & Home Equity Loan Calculator
See how much you can borrow from your home value, mortgage balance, and CLTV limit, plus the monthly payment.
Rent Affordability Calculator
Find how much rent you can afford from your income and debts using the 30% rule, the landlord 3× income rule, and a take-home-pay budget.
Auto
Free auto-financing calculators — estimate your monthly car payment, total interest, and payoff from price, down payment, trade-in, tax, and APR.
Auto Loan Calculator
Estimate your monthly car payment from price, down payment, trade-in, sales tax, APR, and term, with total interest and payoff.
Car Affordability Calculator
Find out how much car you can afford. Enter your monthly budget, down payment, trade-in, tax, APR, and term to see the maximum vehicle price.
Car Lease Calculator
Calculate a monthly car lease payment from MSRP, negotiated price, residual value, money factor or APR, down payment, fees, and sales tax.
Lease vs. Buy Calculator
Compare the true cost of leasing a car with buying it on a loan over the same period, counting the equity you’d have in a car you own.
Auto Refinance Calculator
See whether refinancing your car loan saves money: new monthly payment, interest saved, total savings after fees, and how fast the fees pay for themselves.
Car Loan Interest Deduction Calculator
Estimate your “no tax on car loan interest” deduction: up to $10,000 a year on a new U.S.-assembled car, with the income phase-out and the tax you save.
Investing
Free investing calculators — project how savings and contributions grow over time with compound interest, and measure returns with CAGR and ROI.
CAGR Calculator
Calculate the compound annual growth rate (CAGR) of an investment from its beginning value, ending value, and the number of years.
ROI Calculator
Calculate return on investment (ROI). Enter what you invested and what it is worth to see your net profit, ROI percentage, and annualized return.
Compound Interest Calculator
See how savings and investments grow with an initial amount, regular contributions, interest rate, and compounding frequency.
Inflation Calculator
See what a dollar amount from one year is worth in another using U.S. CPI data, plus the total and average annual inflation.
Net Worth Calculator
Add up your assets and subtract your debts to see your total net worth, the clearest single measure of financial health.
Rule of 72 Calculator
Use the Rule of 72 to estimate how long an investment takes to double, or the return needed to double in a set number of years.
Investment Calculator
See what your investments could grow to from a starting amount, monthly contributions, and an expected return — in future and today’s dollars, with step-ups.
Dividend Calculator
Project dividend income and portfolio growth with or without reinvesting (DRIP), from your investment, monthly contributions, dividend yield, and growth rate.
Millionaire Calculator
Find out at what age you’ll reach $1 million (or any goal) from your savings, monthly investing, and expected return — and what it takes to get there sooner.
Retirement
Free retirement calculators: project your 401(k), compare Roth vs. Traditional, size your nest egg, figure RMDs, and estimate Social Security with 2026 numbers.
401(k) Calculator
Project your 401(k) balance at retirement with your contribution rate, employer match, salary growth, and the 2026 IRS contribution limits and catch-ups.
Roth vs. Traditional IRA Calculator
Compare a Roth and Traditional IRA side by side. See which leaves more after taxes based on your tax rate now versus in retirement, with the 2026 limits.
RMD Calculator
Calculate your required minimum distribution (RMD) from an IRA or 401(k) using the IRS Uniform Lifetime Table, updated for the SECURE 2.0 age-73 rule.
Retirement Nest Egg Calculator
Find how much you need to retire. Enter your income, replacement rate, and a safe withdrawal rate to size your nest egg and the monthly savings to reach it.
FIRE Calculator
Find your financial-independence number (the 25× rule) and how many years until you can retire early, from your savings and return.
Social Security Estimator
Estimate your Social Security benefit from your earnings and claiming age using the 2027 formula. An educational estimate — get your official number at ssa.gov.
Retirement Withdrawal Calculator
Find out how long your retirement savings will last with monthly withdrawals that rise with inflation — and the most you can withdraw to make it last 30 years.
Social Security Break-Even Calculator
Compare claiming Social Security at 62, full retirement age, or 70: your monthly benefit at each age, the break-even age, and lifetime benefits.
401(k) Match Calculator
See how much your employer adds to your 401(k), the contribution needed to get the full match, and how much free money you’re leaving on the table.
Roth Conversion Calculator
Estimate the federal tax on converting a traditional IRA or 401(k) to a Roth in 2026, the room left in your bracket, and whether converting comes out ahead.
Roth IRA Calculator
See what your Roth IRA could grow to tax-free, and how much you can contribute in 2026: $7,500, or $8,600 at 50+, reduced by the income phase-out.
Savings
Free savings calculators — work out how much to set aside to hit a goal by a date, and what a CD or savings deposit grows to at a given APY.
Savings Goal Calculator
Find out how much to save each month to reach a goal by your target date, given a starting balance and interest rate. Includes a year-by-year projection.
CD Calculator
Calculate what a certificate of deposit (CD) is worth at maturity. Enter your deposit, APY, and term to see total interest earned and the final balance.
Emergency Fund Calculator
Find your emergency fund target and how long to reach it. Enter your monthly essential expenses, months of coverage, and current savings.
Savings Calculator
Estimate how much your savings will grow in a high-yield savings or money market account from your deposits and APY — and compare it with a lower-rate account.
50/30/20 Budget Calculator
Split your take-home pay into needs, wants, and savings with the 50/30/20 rule — or your own split — and compare it with what you actually spend.
Paycheck & Salary
Free paycheck and salary calculators: convert hourly pay to an annual salary, estimate self-employment tax, and see your pay across every pay period.
Paycheck Calculator
Free paycheck calculator: estimate 2026 take-home pay after federal and state income tax, Social Security, and Medicare, for hourly pay or salary in any state.
Salary Calculator
Convert hourly pay to yearly gross income (and back) at every pay period, and see your estimated take-home paycheck by state.
Overtime Calculator
Work out time-and-a-half or double-time pay from your hourly rate and overtime hours, plus your total weekly and annual earnings.
Self-Employment Tax Calculator
Estimate your 2026 self-employment tax on freelance or business income: Social Security and Medicare on 92.35% of net earnings, plus the deductible half.
Bonus Tax Calculator
See how much of your bonus you’ll take home after 22% federal withholding, Social Security, Medicare, and state tax, and whether you’ll owe at tax time.
Pay Raise Calculator
Calculate your new salary or hourly wage after a raise, the percentage increase, how much more you’ll take home after taxes, and your raise after inflation.
Taxes
Free 2026 tax calculators: estimate federal income tax and brackets, capital gains, self-employment and quarterly estimated tax, and sales tax by state.
Income Tax Calculator
Estimate your income tax, effective and marginal tax rate, and see how much you owe in each tax bracket.
Capital Gains Tax Calculator
Estimate the federal tax on a stock or property sale, compare short-term vs long-term rates, and include the 3.8% NIIT.
Sales Tax Calculator
Enter a purchase amount and your state to see the sales tax and total, using 2026 average combined state and local rates.
Estimated Tax Calculator
Estimate your 2026 self-employment and federal income tax and what to pay the IRS each quarter.
Senior Deduction Calculator
See how much of the new $6,000 senior deduction you get in 2026, how the income phase-out and taxable Social Security affect it, and the tax it saves.
HSA Calculator
See how much you can put in an HSA ($4,400 or $8,750 in 2026; $4,500 or $9,000 in 2027) and how much federal, FICA, and state tax it saves you.
W-4 Withholding Calculator
See how much federal tax is withheld from each paycheck, whether you’ll owe or get a refund, and what to put on W-4 Steps 3 and 4.
No Tax on Tips & Overtime Calculator
Estimate your 2026 “no tax on tips” and “no tax on overtime” deductions, plus the $6,000 senior deduction — with income phase-outs and the federal tax you save.
Tax Refund Calculator
Estimate your 2026 federal tax refund (filed in 2027) from wages, withholding, child tax credit, EITC, and the new tips, overtime, and senior deductions.
Tax Bracket Calculator
Find your 2026 federal tax bracket and see exactly how much of your income is taxed at each rate, plus your effective tax rate and room before the next bracket.
Earned Income Credit Calculator
Estimate your 2026 earned income tax credit by income, filing status, and number of children — up to $8,231 — and where you fall on the phase-out.
Child Tax Credit Calculator
Estimate your 2026 child tax credit — $2,200 per child, up to $1,700 refundable — plus the $500 credit for other dependents, with the income phase-out.
Loans & Debt
Free debt-payoff and loan calculators — compare the snowball and avalanche methods, see how long a credit card takes to clear, and price out a personal loan.
Debt Payoff Calculator
Compare the debt snowball and avalanche methods across all your debts. See which clears your balances faster and which saves the most interest.
Credit Card Payoff Calculator
See how long it takes to pay off a credit card and the total interest you’ll pay, based on your balance, APR, and monthly payment.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio from your monthly debt payments and gross income — the number lenders use to approve a mortgage or loan.
Personal Loan Calculator
Estimate the monthly payment, total interest, and total cost of a personal loan from the loan amount, interest rate (APR), and term.
Student Loan Calculator
Estimate your monthly payment, total interest, and payoff date — and see how much extra payments save you in interest and time.
Loan Calculator
Calculate the monthly payment on any fixed-rate loan, your payoff date, total interest, and a full amortization schedule — plus how much extra payments save.
Debt Consolidation Calculator
Compare paying off your credit cards and other debts as you are with one consolidation loan — monthly payment, total interest, origination fee, and payoff time.
Balance Transfer Calculator
See how much a 0% intro APR balance transfer saves after the transfer fee, what you’ll still owe when the promo ends, and the payment that clears it in time.
Credit Card Minimum Payment Calculator
See how long paying only the minimum on a credit card takes and how much interest it costs — and how much a fixed payment or a 3-year payoff would save.
Everyday Math
Free everyday money calculators — percentages, discounts, tips, and profit margins, with the formulas shown so you can check the math.
Profit Margin Calculator
Calculate profit margin and markup from cost and price, or find the selling price for a target margin or markup — with a margin-to-markup conversion table.
Percentage Calculator
Four quick percentage calculators: what is X% of Y, X is what percent of Y, percent change between two numbers, and percent off a price.
Tip Calculator
Calculate the tip and total for any bill at 15%, 18%, 20% or a custom percentage, tip on the pre-tax amount, and split the check — with optional rounding.
Latest money guides
Plain-English explainers that pair with the calculators — every figure tied to its source.
2027 HSA Contribution Limits (and 2026): Full Guide
The IRS has already set the 2027 HSA limits: $4,500 for self-only coverage and $9,000 for families. Here are the 2026 and 2027 numbers, who qualifies, and how to decide between an HSA and an FSA at open enrollment.
2027 Tax Brackets & Standard Deduction (Projected)
The IRS hasn’t published its 2027 numbers yet, but the major tax publishers agree on nearly every line: about 3.2% higher brackets, a $16,600 / $33,200 standard deduction, and a $20,000 gift exclusion.
2027 Social Security COLA: 3.6% Raise & New Numbers
Social Security and SSI payments rise 3.6% in 2027, the biggest bump since 2023. Here is what it adds to your check, when it arrives, and every limit that changed with it.
How Much to Tip: A Guide for Every Situation
Tipping norms have drifted, and the screen at the counter doesn’t help. Here are the common U.S. ranges for every situation, whether to tip on tax, and the mental math to get it right in seconds.
No Tax on Car Loan Interest: Rules and Savings
Interest on a new car loan is deductible again — up to $10,000 a year through 2028. But the car has to be new and U.S.-assembled, and the income phase-out bites fast. Here’s what it’s really worth.
Markup vs. Margin: Formulas and Conversion Table
A 50% markup is only a 33% margin. Mixing the two up is one of the most common pricing mistakes — here are both formulas, a conversion table, and how to set a price that hits your target.
Numbers you can actually trust
Most online calculators hand you a figure and hide the math. These do the opposite. Every tool shows the formula it uses, the assumptions behind it, and the source for any rate or limit — whether that is the IRS, the Social Security Administration, or the Consumer Financial Protection Bureau. When a number depends on the tax year, we tie it to the current one and note when it was last checked, so you are never running your decision on stale figures.
The goal is not just an answer but an understanding of it: why a longer loan term costs more, how a marginal tax rate differs from an effective one, what a mortgage payment really includes. No sign-up, no spreadsheets, no jargon — run your own numbers in seconds, then read the plain-English guide that comes with each tool. See exactly how we calculate.
The formula, shown
Every calculator spells out the math and assumptions behind the result.
Primary sources
Rates and limits come straight from the IRS, SSA, CFPB, and BLS.
Current tax year
Figures are tied to 2026 amounts, with the date they were last verified.