Free Financial Calculators
Clear, accurate calculators for loans, saving, investing and investment returns — each one transparent about its formula and built on dated, public benchmark data.
Loans & Payments
Auto Loan Calculator
See what a car loan really costs each month, and how much interest you pay across the full term before the vehicle is yours outright.
Auto Loan Payoff Calculator
See how soon a car loan is cleared at a chosen monthly payment, and how much interest you save by paying ahead of schedule.
Boat Loan Calculator
Work out the monthly payment and total interest on a loan for a boat, where the vessel secures the loan and terms can stretch well beyond a decade.
Business Loan Calculator
Estimate the monthly repayment on a business loan and see how much interest it adds to the cost of financing equipment, expansion, or working capital.
Credit Card Payoff Calculator
See how long it takes to clear a credit card balance at a fixed monthly payment, and how much of that money is pure interest.
Debt Consolidation Calculator
See the single monthly payment that would replace several debts if you consolidated them into one loan, and what the switch costs or saves in interest.
Debt Payoff Calculator
Find out how long a debt takes to clear at a fixed monthly payment, and how much interest you pay before the balance reaches zero.
Debt-to-Income Ratio Calculator
Work out your debt-to-income ratio — the share of your monthly income already committed to debt, and the figure lenders scrutinize most.
Down Payment Calculator
Work out the cash a home purchase needs up front, and how large a mortgage is left once the down payment is made.
Earnest Money Calculator
Work out the earnest money deposit on a home offer — the good-faith sum that shows a seller you are a serious buyer.
Equipment Loan Calculator
Work out the monthly payment and total interest on a loan to finance business equipment — machinery, vehicles, or technology.
Home Equity Loan Calculator
Work out the monthly payment and total interest on a fixed-rate home equity loan — a lump sum borrowed against the equity you have built in your home.
Home Improvement Loan Calculator
Work out the monthly payment and total interest on a home improvement loan used to fund a renovation, repair, or upgrade.
Land Loan Calculator
Work out the monthly payment and total interest on a loan to buy vacant land, where rates run higher than on a home mortgage.
Personal Loan Calculator
Work out the monthly payment on an unsecured personal loan and the total interest you will pay before the balance is cleared.
Loan Payoff Calculator
See how long it takes to pay off a loan at a chosen monthly payment, and how much interest a larger payment would save.
Loan-to-Value Calculator
Work out the loan-to-value ratio — how much of a property's value is mortgaged, and the figure lenders use to price and approve a loan.
Medical Debt Payoff Calculator
See how long a medical debt takes to clear at a fixed monthly payment, and whether any interest is adding to the cost.
Mobile Home Loan Calculator
Work out the monthly payment and total interest on a loan for a mobile or manufactured home.
Mortgage Calculator
Work out what a fixed-rate mortgage will actually cost you each month, and how much of the total goes to interest over the life of the loan.
Mortgage Payoff Calculator
Find out how soon your mortgage is paid off at a given monthly payment, and how much interest a larger payment cuts from a decades-long loan.
Motorcycle Loan Calculator
Work out the monthly payment and total interest on a loan for a motorcycle, where shorter terms keep interest low but lift the payment.
Pool Loan Calculator
Work out the monthly payment and total interest on a loan to install a swimming pool — typically an unsecured home improvement loan.
Price Per Square Foot Calculator
Work out a property's price per square foot — the standard yardstick for comparing homes of different sizes.
Refinance Break-Even Calculator
Work out how long a mortgage refinance takes to pay for itself — the month its closing costs are fully recovered by the lower payment.
RV Loan Calculator
Work out the monthly payment and total interest on a loan for a motorhome or travel trailer, where long terms keep payments low but stretch interest out.
Student Loan Calculator
Work out the monthly payment and total interest on a student loan, and see how much faster a shorter term clears the balance.
Student Loan Payoff Calculator
See how long a student loan takes to clear at a chosen monthly payment, and how much interest a larger payment would save.
Saving & Investing
Baby Savings Calculator
Work out how much to set aside each month to be financially ready for a new baby — the costs that arrive with, and soon after, the due date.
Brokerage Account Calculator
Project how a taxable brokerage account could grow — the flexible account with no contribution limits and no withdrawal age rules.
Car Savings Calculator
Work out how much to save each month to buy a car with cash by a target date — and skip the interest a loan would charge.
CD Calculator
Work out what a certificate of deposit is worth at maturity, and how much of that figure is interest the bank has paid.
College Savings Calculator
Project how a college fund could grow between now and the year a child starts school, given a starting balance and steady monthly saving.
Compound Interest Calculator
See how a starting deposit and steady monthly contributions snowball once interest begins earning interest of its own.
Down Payment Savings Calculator
Work out how much to save each month to have a home down payment ready by the date you plan to buy.
Emergency Fund Calculator
Work out how much to save each month to build an emergency fund — the cash buffer that keeps a setback from becoming a crisis.
Future Value Calculator
Work out what a single lump sum becomes after years of compound growth — the building block behind every long-term money projection.
HSA Calculator
Project how a health savings account could grow when contributions are invested and left to compound rather than spent each year.
Inflation Calculator
Work out what something will cost in the future once inflation has done its work — and how much purchasing power today's money quietly loses.
Investment Calculator
Project how a lump sum and regular monthly investing could build a portfolio over the years, and see how much of the result comes from market gains.
Retirement Savings Calculator
Project how your retirement account could grow between today and your planned retirement date, given a current balance and ongoing monthly contributions.
Roth IRA Calculator
Project how a Roth IRA could grow when funded with after-tax dollars, where qualified withdrawals in retirement come out completely tax-free.
Salary Growth Rate Calculator
Work out how fast your pay has actually grown by reducing years of raises and promotions to a single annual rate.
Salary Projection Calculator
Project where your salary could be after years of steady raises — a long view of how today's pay compounds over a career.
Savings Bond Calculator
Work out what a savings bond is worth once it has been held and left to compound — the value waiting at maturity.
Savings Calculator
Estimate how a bank savings balance builds up from regular monthly deposits and the modest interest a deposit account pays.
Savings Goal Calculator
Work out how much to set aside each month to hit a savings goal by a chosen date, with help from the interest your savings earn.
Savings Rate Calculator
Work out your personal savings rate — the share of your income that goes toward savings rather than spending.
SEP IRA Calculator
Project how a SEP IRA could grow — the retirement account that lets the self-employed and small-business owners contribute well beyond regular IRA limits.
Traditional IRA Calculator
Project how a traditional IRA could grow when funded with pre-tax dollars and left to compound until retirement.
Vacation Savings Calculator
Work out how much to set aside each month to pay for a vacation in full — so the trip is funded before you go, not financed afterward.
Wedding Savings Calculator
Work out how much to set aside each month to pay for a wedding by the date — and start married life without the debt.
Investment Returns
Art Investment Calculator
See how an art or collectible investment performed by comparing what it cost with what it is worth or sold for.
Bond Return Calculator
See what a bond investment earned by setting the price you paid against everything it returned — redemption value plus coupons.
CAGR Calculator
Calculate the compound annual growth rate — the single steady yearly rate that links a starting value to an ending value.
Cryptocurrency ROI Calculator
See how a cryptocurrency position performed by comparing what you spent buying it with what it is worth now.
Gold Investment Calculator
See how a gold holding performed by comparing what you paid for it with what it is worth now.
Home Appreciation Calculator
Project what a home could be worth in the future if it appreciates at a steady annual rate over the years you hold it.
Home Value Growth Rate Calculator
Work out the annual rate at which a home has appreciated, by comparing its purchase price with its value today.
House Flip Calculator
See how a house flip performed by setting the full cost of buying and renovating against the net price the property sold for.
Mutual Fund Return Calculator
Find out what a mutual fund or ETF holding earned by comparing the money invested with its value today.
Payback Period Calculator
Work out an investment's payback period — how many years its cash flow takes to return the money originally put in.
Real Estate ROI Calculator
Measure how a property investment performed by setting the full cost of getting in against everything it returned.
ROI Calculator
Work out what an investment actually earned by comparing the cash you put in with the cash you got back.
Stock Return Calculator
Find out how a share purchase performed by comparing what you paid with what the position is worth or sold for.
Business & Margins
Break-Even Calculator
Work out how many units a business must sell to cover its fixed costs — the break-even point where it stops losing money and starts to profit.
CAC Payback Calculator
Work out the CAC payback period — how many months a new customer takes to repay what it cost to acquire them.
Commission Calculator
Work out the commission earned on a sale, and see how much of the sale value is left once the commission is taken.
Contribution Margin Calculator
Calculate the contribution margin — the share of revenue left after variable costs, available to cover fixed costs and then profit.
Conversion Rate Calculator
Work out a conversion rate from conversions and total visitors — the core metric for a landing page, an ad, or a checkout funnel.
Cost Per Unit Calculator
Work out the cost of producing a single unit — the figure every pricing and margin decision is built on.
Food Cost Percentage Calculator
Work out a restaurant's food cost percentage — the share of food sales eaten up by ingredients, and a make-or-break profitability metric.
Gross Margin Calculator
Work out the gross profit margin on your sales — the share of revenue left once the direct cost of producing what you sold is taken out.
Markup Calculator
Find the markup percentage on a product — how much you have added to its cost to arrive at the selling price.
Net Profit Margin Calculator
Find the net profit margin — the share of every revenue dollar that survives all the way to the bottom line as profit.
Operating Margin Calculator
Measure operating margin — the share of revenue left after every cost of running the business, but before interest and tax.
Revenue Growth Rate Calculator
Work out how fast a business has grown by reducing its revenue history to a single annualized growth rate.
Taxes
GST Calculator
Work out the goods and services tax on a price and the total payable, for a country that levies GST.
Import Duty Calculator
Work out the import duty owed on goods and the landed cost once that duty is added to the value of the shipment.
Sales Tax Calculator
Work out the sales tax added to a purchase and the total you actually pay at the register.
Take-Home Pay Calculator
Estimate the pay that actually reaches your account, once a combined rate of tax and other deductions is taken from gross pay.
VAT Calculator
Work out the value-added tax on a net price and the gross total, using the standard VAT rate that applies to the sale.
Math
Percentage Calculator
Work out a percentage of any number — the everyday calculation behind tips, discounts, scores, and shares of a total.
Percentage Change Calculator
Calculate the percentage change between two numbers — how much a value has risen or fallen relative to where it started.
Percentage Decrease Calculator
Calculate the percentage decrease from an original value to a lower one — how much something has fallen relative to where it began.
Percentage Increase Calculator
Calculate the percentage increase from an original value to a higher one — how much something has grown relative to where it began.
Population Growth Rate Calculator
Work out how fast a population is changing by reducing two census counts to a single annual growth rate.
Rent Increase Calculator
Work out the percentage of a rent increase by comparing your current rent with the new amount a landlord is proposing.
Salary Increase Calculator
Work out the percentage of a pay raise by comparing your current salary with the new one — the figure that shows how much your pay has really grown.
What Percent Of Calculator
Find what percent one number is of another — the everyday question behind grades, shares, and any part-of-a-total comparison.
Win Percentage Calculator
Work out a win percentage from games won and games played — the standard measure of how a team or player is performing.
Everyday Tools
Cost Per Mile Calculator
Work out what each mile of driving actually costs, once fuel, insurance, maintenance, and depreciation are all counted.
Cost Per Serving Calculator
Work out what a home-cooked meal costs per plate, so you can budget and compare it against eating out.
Discount Calculator
Work out the sale price after a percentage discount, and see exactly how much the markdown saves you off the original price.
Service Charge Calculator
Work out the service charge added to a bill and the total to pay — the mandatory charge some restaurants, hotels, and venues apply.
Solar Panel Payback Calculator
Work out how long a solar panel system takes to pay for itself — the year its energy savings have recovered the installed cost.
Tip Calculator
Work out the tip on a bill and the total to leave, for a meal, a ride, or any service where a gratuity is customary.
Unit Price Calculator
Work out the price per unit of an item so you can compare value fairly across packs of different sizes.