Common finance tasks
Mortgage Calculator
Estimate principal-and-interest payments and inspect the amortization schedule.
Open calculator House Affordability CalculatorTest housing cost against income, debt and cash assumptions.
Open calculator Compound Interest CalculatorSeparate deposits from compound growth over time.
Open calculator Retirement CalculatorCompare saving, return and withdrawal scenarios over time.
Open calculatorHow to use these calculators
Financial calculators turn assumptions into scenarios; they do not know the offer you will receive. Interest rate, term, compounding, payment timing, fees, taxes and insurance can each change the result. Copy values from a lender disclosure or account statement and make sure the rate is an APR, APY or periodic rate as requested.
For a major decision, compare at least a base case and a stress case. A mortgage payment that fits today may become difficult after taxes, insurance, maintenance or income changes. An investment projection should separate contributions from growth and should not treat a constant return as a forecast. HitEquals exposes amortization and component totals where the engine supports them so the headline number can be audited.
Three checks that change the answer
Match the rate to the period
A monthly payment formula needs a monthly rate and a term expressed in months.
Include ownership costs
Property tax, insurance, association dues, maintenance and closing costs sit outside many advertised payments.
Stress-test uncertainty
Compare lower returns, higher rates or reduced income before treating a scenario as affordable.
Before you use the answer
- Confirm APR versus APY and fixed versus variable rate.
- Include fees, taxes and insurance that apply.
- Compare total cost as well as monthly payment.
- Save the assumptions with the result and obtain regulated advice when needed.
Browse all 87 finance calculators
Every tool calculates in your browser. Pages marked “Reviewed guide” also include topic-specific explanations and source checks.
- Margin CalculatorReviewed guideCalculate gross profit, margin, markup and target selling price with a side-by-side breakdown of the related business measures.
- IRA CalculatorReviewed guideProject an IRA balance, contributions, growth and inflation-adjusted value through retirement.
- Rental Property CalculatorReviewed guideModel rental cash flow, mortgage balance, property value, equity and sale proceeds.
- Take-Home Pay CalculatorReviewed guideEstimate net pay from gross wages, deductions, withholding rates and 2026 FICA taxes.
- CD CalculatorReviewed guideCalculate certificate of deposit maturity value, APY, interest, tax and inflation effects.
- House Affordability CalculatorReviewed guideEstimate an affordable home price from income, debt, down payment and complete monthly housing costs.
- Business Loan CalculatorReviewed guideCalculate business loan payment, fees, payoff time, total interest and a complete amortization schedule.
- Retirement CalculatorReviewed guideProject retirement savings, purchasing power and first-year withdrawal income after fees.
- Budget CalculatorReviewed guideBuild a monthly household budget and see spending, saving and remaining cash by category.
- Annuity Payout CalculatorReviewed guideCalculate level withdrawals that draw a fixed balance down over a chosen term.
- Rent CalculatorReviewed guideCompare monthly rent and recurring housing costs with income and a user-chosen affordability target.
- Annuity CalculatorReviewed guideProject an annuity accumulation balance with starting principal, monthly and annual deposits and deposit timing.
- Future Value CalculatorReviewed guideCalculate future value from present value, a periodic rate, deposits and payment timing.
- Simple Interest CalculatorReviewed guideCalculate interest earned only on the original principal.
- Salary CalculatorReviewed guideConvert hourly, daily, weekly, biweekly, semimonthly, monthly and annual gross pay.
- Compound Interest CalculatorReviewed guideSee how a balance grows when interest compounds.
- Loan CalculatorReviewed guideEstimate a fixed monthly payment and total interest.
- Payment CalculatorReviewed guideSolve a fixed-rate loan for monthly payment, principal, term or interest rate.
- Interest Rate CalculatorReviewed guideFind the annual interest rate implied by a loan amount, payment and term.
- Home Equity Loan CalculatorReviewed guideEstimate a fixed home equity loan payment, combined LTV, closing costs and amortization.
- Mortgage Payoff CalculatorReviewed guideCompare a current mortgage schedule with monthly, annual and one-time extra principal payments.
- HELOC CalculatorReviewed guideEstimate interest-only draw payments, repayment payments, interest and combined LTV for a HELOC.
- Finance CalculatorReviewed guideSolve future value, present value, recurring payment, periods or return using time-value-of-money equations.
- Auto Loan CalculatorReviewed guideEstimate a US car payment with tax, fees, down payment and trade-in equity.
- Mortgage CalculatorReviewed guideEstimate principal, interest and the other monthly costs of a home payment.
- Amortization CalculatorReviewed guideSee how an extra monthly payment changes payoff time and total interest.
- Savings CalculatorReviewed guideProject a savings balance from an opening deposit, regular monthly contributions, time and a fixed annual rate.
- Investment CalculatorReviewed guideProject investment growth with recurring contributions, fees and inflation, then compare nominal value with purchasing power.
- 401(k) CalculatorReviewed guideProject a US 401(k) balance with salary growth, contributions and employer match.
- Currency CalculatorReviewed guideConvert an amount with a clearly entered market or institutional exchange rate.
- Inflation CalculatorReviewed guideCompare purchasing power from two price-index levels or a constant annual inflation assumption.
- Income Tax CalculatorReviewed guideEstimate 2026 U.S. federal individual income tax from filing status, standard deduction, additional deductions and credits.
- Marriage Tax CalculatorReviewed guideCompare estimated 2026 federal tax for two single returns with one married-filing-jointly return.
- Estate Tax CalculatorReviewed guideEstimate a federal taxable estate and tentative tax using an editable exclusion and tax rate.
- Pension CalculatorReviewed guideEstimate a defined-benefit pension from final average salary, service years and plan multiplier.
- Social Security CalculatorReviewed guideProject a monthly Social Security benefit from an SSA statement amount, claiming adjustment and COLA assumption.
- Credit Card CalculatorReviewed guideEstimate payoff time and interest for a revolving card balance with a fixed monthly payment.
- Credit Cards Payoff CalculatorReviewed guideFind the fixed payment required to clear a card balance within a chosen number of months.
- Debt Payoff CalculatorReviewed guideModel a combined debt balance with a weighted APR, monthly payment and optional extra payment.
- Debt Consolidation CalculatorReviewed guideCompare current weighted-cost debt with a proposed consolidation loan including its fee.
- Repayment CalculatorReviewed guideEstimate a fixed loan payment and show how an extra monthly amount changes payoff time and interest.
- Student Loan CalculatorReviewed guideEstimate fixed-payment student-loan repayment, total interest and payment-to-income ratio.
- College Cost CalculatorReviewed guideProject multi-year college cost after education inflation and compare it with dedicated savings growth.
- Bond CalculatorReviewed guidePrice a plain fixed-rate bond from face value, coupon, yield, maturity and payment frequency.
- Mutual Fund CalculatorReviewed guideProject a mutual-fund balance after an expense ratio, front-end load and regular contributions.
- Roth IRA CalculatorReviewed guideProject Roth IRA contributions and investment growth to a selected retirement age.
- RMD CalculatorReviewed guideEstimate an owner required minimum distribution using the IRS Uniform Lifetime Table.
- VAT CalculatorReviewed guideAdd VAT to a net amount or extract VAT from a tax-inclusive gross amount.
- Cash Back or Low Interest CalculatorReviewed guideCompare a vehicle cash rebate with a lower-rate financing offer over the same term.
- Auto Lease CalculatorReviewed guideEstimate a vehicle lease payment from capitalized cost, residual value, money factor, term and tax.
- Depreciation CalculatorReviewed guideCreate straight-line or declining-balance depreciation for a finite-life asset.
- Average Return CalculatorReviewed guideCalculate arithmetic mean return, compounded geometric return and cumulative growth from periodic returns.
- Debt-to-Income Ratio CalculatorReviewed guideCalculate front-end and back-end monthly debt-to-income ratios from gross income and obligations.
- Real Estate CalculatorReviewed guideMeasure a property's net operating income, cap rate, cash flow and cash-on-cash return.
- Personal Loan CalculatorReviewed guideEstimate payment, cash received and total financing cost for an installment personal loan with an origination fee.
- Boat Loan CalculatorReviewed guideEstimate a boat loan after down payment, trade credit, sales tax and financed fees.
- Lease CalculatorReviewed guideEstimate a generic equipment or asset lease payment from present value, residual, rate and term.
- Refinance CalculatorReviewed guideCompare an existing mortgage with a proposed refinance and calculate the closing-cost break-even point.
- IRR CalculatorReviewed guideSolve the periodic internal rate of return that sets a series of cash flows to net present value zero.
- ROI CalculatorReviewed guideCalculate total and annualized return on investment from cost, ending value, income and time held.
- APR CalculatorReviewed guideEstimate an annual percentage rate from amount received, fixed payment, term and upfront finance charge.
- FHA Loan CalculatorReviewed guideEstimate an FHA-style payment using editable down payment, upfront MIP, annual MIP, taxes and insurance.
- VA Mortgage CalculatorReviewed guideEstimate a VA-backed purchase payment with an editable funding fee and optional exemption.
- Down Payment CalculatorReviewed guideCalculate cash needed, resulting loan amount and progress toward a home down-payment goal.
- Rent vs. Buy CalculatorReviewed guideCompare simplified unrecoverable renting and owning costs over a selected horizon, including home equity at sale.
- Payback Period CalculatorReviewed guideCalculate simple and discounted payback time for an initial investment and level annual cash inflow.
- Present Value CalculatorReviewed guideDiscount a future lump sum and optional recurring end-of-period payments to today's value.
- Commission CalculatorReviewed guideCalculate commission, total compensation and effective commission rate from sales, rate and base pay.
- Mortgage Calculator UKReviewed guideEstimate UK repayment-mortgage or interest-only monthly payments in pounds.
- Canadian Mortgage CalculatorReviewed guideEstimate a Canadian mortgage payment using a nominal annual rate compounded semi-annually.
- Mortgage Amortization CalculatorReviewed guideBuild a complete mortgage amortization schedule with optional extra principal.
- GDP CalculatorReviewed guideCalculate expenditure-based gross domestic product and each component's share of the total.
- FIRE CalculatorReviewed guideEstimate a financial-independence target and years to reach it from savings, contributions and return assumptions.
- Emergency Fund CalculatorReviewed guideEstimate an emergency-fund target from essential monthly costs and selected months of coverage.
- Net Worth CalculatorReviewed guideCalculate household net worth by subtracting liabilities from assets.
- Dividend and DRIP CalculatorReviewed guideProject dividend income and reinvested share growth from editable yield and growth assumptions.
- Capital Gains Tax CalculatorReviewed guideEstimate taxable gain and tax from entered basis, proceeds, adjustments and rate.
- Mortgage Points CalculatorReviewed guideCompare upfront discount-point cost with monthly payment savings and break-even time.
- Closing Costs CalculatorReviewed guideEstimate cash needed at closing from down payment, percentage costs, fixed fees, credits and deposits.
- Property Tax CalculatorReviewed guideEstimate annual and monthly property tax from assessed value, exemptions and an entered rate.
- Position Size CalculatorReviewed guideCalculate units that place a selected account amount at risk between entry and stop prices.
- Risk–Reward Ratio CalculatorReviewed guideCompare price distance to a stop with price distance to a target.
- Stop-Loss CalculatorReviewed guideDerive a stop price or maximum loss from entry, position size and risk assumptions.
- Dollar-Cost Averaging CalculatorReviewed guideCalculate units accumulated and average cost from a list of periodic purchase prices.
- Liquidation Price CalculatorReviewed guideEstimate an isolated linear-position liquidation price from entry, leverage and maintenance margin.
- Staking APY CalculatorReviewed guideProject staking rewards from principal, stated annual rate, compounding frequency and fees.
- Crypto Profit CalculatorReviewed guideCalculate proceeds, fees, profit and return for a digital-asset purchase and sale.
Frequently asked questions
Is a calculator result a loan offer?
No. Approval, rate, fees and underwriting come from the lender and its disclosures.
Why does APY differ from APR?
APY normally reflects compounding over a year, while APR conventions depend on the financial product and disclosure rules.
Does an investment projection predict returns?
No. It shows what the entered return would produce; actual returns and sequence of returns can differ.
What should I compare besides the payment?
Compare total interest, fees, term, flexibility, taxes, insurance and the effect of adverse scenarios.
Reference starting points
Individual reviewed guides cite the equation or standard used by that calculator. These authorities provide broader context for this collection.