Calculator collection

Finance Calculators

Use these calculators for retirement targets, FIRE and Coast FIRE, 401(k) growth, savings goals, gross pay, work costs, housing, loans, credit cards, debt payoff, and insurance estimates.

How to use this collection

Start with the decision you need to make. For retirement, keep the target, account projection, FIRE timing, and contribution gap separate. For borrowing, match the payment, balance, rate, term, fees, and budget to the same scenario.

Buying guidance

Treat every result as a planning estimate. Confirm retirement-plan terms, current account data, taxes, fees, insurance, benefit estimates, lender terms, and the assumptions that apply before committing.

What to check next

Use related finance calculators to cross-check monthly payment, APR, taxes, insurance, fees, payoff timeline, and total cost before making a money decision.

Start here

Which calculator should I use?

Start with the financial number in hand: payment target, balance, APR, term, down payment, insurance, or monthly budget room.

Buying a home? Start with Mortgage Payment, then Home Affordability, Rent vs Buy, and Refinance.

Borrowing money? Use Loan Payment, Car Payment, Credit Card Interest, or Credit Card Payoff.

Comparing affordability? Use monthly payment calculators first, then check insurance, down payment, and total cost.

Focused collections

Explore a narrower calculator path

Use these focused hubs when you already know which part of the category you need.

Mortgage and loan calculators Finance payment calculators

Tools

Finance calculators

Personal finance calculators for retirement, FIRE, 401(k) growth, savings, pay, work costs, payments, affordability, debt, and insurance.

Finance Mortgage Payment Calculator Estimate monthly mortgage payment from loan amount, interest rate, loan term, property tax, insurance, and HOA costs. Finance Extra Mortgage Payment Calculator Compare a mortgage's scheduled payoff with extra monthly principal and an optional extra principal payment once per year. Finance Mortgage Lump-Sum Payment Calculator Compare a mortgage's scheduled payoff with applying a one-time lump-sum payment directly to principal while keeping the regular payment unchanged. Finance Rent vs Buy Calculator Compare renting and buying cost over time from monthly rent, mortgage payment, ownership costs, appreciation, and expected years. Finance Compound Interest Calculator Project a balance with compound growth, monthly contributions, a whole-month timeline, and an APY or nominal annual rate basis. Finance Investment Calculator Project an investment scenario from an initial amount, monthly contributions, an assumed annual return, time, and inflation. Finance Savings Goal Calculator Calculate the minimum monthly contribution needed to reach a savings goal from a starting balance, whole-month timeline, and entered rate. Finance Retirement Calculator Project retirement savings at a selected age and compare the inflation-adjusted result with an income-adjusted spending target. Finance 401(k) Calculator Project a 401(k) balance from current savings and separate fixed monthly employee and employer contributions. Finance FIRE Calculator Calculate a spending-based financial-independence target and the first modeled month fixed contributions reach its inflation-growing value. Finance Coast FIRE Calculator Calculate the invested balance needed today to reach a spending-based future target with no additional contributions. Finance Retirement Savings Gap Calculator Calculate the minimum whole-cent monthly contribution needed to reach an inflation-adjusted retirement spending target. Finance Savings Goal Date Calculator Estimate the first whole contribution month when a starting balance and steady monthly savings reach a target. Finance High-Yield Savings Calculator Project a savings-account balance from a starting balance, steady monthly deposits, a quoted APY, and deposit timing. Finance Emergency Fund Calculator Compare current emergency savings with a personal target based on essential monthly expenses and a selected number of months. Finance Savings Runway Calculator Estimate how long accessible savings above a protected reserve can cover the gap between expected monthly income and spending. Finance Amortization Calculator Calculate a fixed-rate loan's scheduled monthly principal-and-interest payment, total interest, and payment-by-payment amortization values. Finance Apartment Affordability Calculator Compare an apartment's rent and required housing extras with a personal take-home-income target, cash flow, and an entered property gross-income multiple. Finance Apartment Move-In Cost Calculator Add rent due before move-in, deposits, lease fees, utility setup, moving costs, and other upfront apartment expenses. Finance Rent Increase Calculator Convert a proposed percentage rent increase into new monthly base rent and additional cost across a selected number of months. Finance Prorated Rent Calculator Calculate partial-month rent from the days a lease bills and either an actual-calendar-day or 30-day lease divisor. Finance Home Affordability Calculator Estimate affordable home price from gross monthly income, debt payments, down payment, interest rate, term, and housing ratio. Finance Debt-to-Income Ratio Calculator Calculate your debt-to-income ratio and the maximum total or non-housing monthly debt payment at a selected planning target. Finance Salary Calculator Convert annual salary or hourly base pay into gross monthly, semimonthly, biweekly, weekly, pay-period, and hourly-equivalent amounts. Finance Overtime Pay Calculator Model gross pay for entered regular hours and premium hours using time-and-a-half, double-time, or a custom pay multiplier. Finance 401(k) Employer Match Calculator Estimate an annual 401(k) employer match and the employee contribution needed to reach the cap under one simple entered plan formula. Finance True Hourly Wage Calculator Estimate a personal effective gross hourly value after entered unpaid work time, commute time, and annual work-triggered expenses. Finance Remote Work Savings Calculator Compare entered annual cash costs for office, hybrid, and remote work arrangements without assuming remote work is always cheaper. Finance Raise Calculator Convert a percentage or flat raise into new gross annual, monthly, pay-period, and hourly-equivalent pay. Finance Job Offer Comparison Calculator Compare two job offers using entered base salary, cash bonus, employer-paid benefit value, and employee or work-related costs. Finance Cost of Working Calculator Estimate annual work-triggered costs from commuting, fuel, childcare, meals, supplies, and other entered expenses. Finance Loan Payment Calculator Estimate monthly loan payment from principal, annual interest rate, loan term, fees, and optional extra monthly payment. Finance Credit Card Payoff Calculator Estimate a credit card debt-free date, total interest, and how an extra monthly payment could change the payoff schedule. Finance Credit Card Payment Needed Calculator Calculate the minimum whole-cent fixed payment needed to pay off a credit card balance by a chosen monthly deadline. Finance Credit Utilization Calculator Calculate overall or per-card credit utilization from the balance and credit limit reported for your revolving credit accounts. Finance Credit Utilization Target Calculator Calculate how much of a reported credit card balance to pay to reach a chosen overall or per-card credit utilization target. Finance Balance Transfer Savings Calculator Compare keeping a credit card balance with moving it to a promotional balance-transfer offer, including transfer fees and post-promotion interest. Finance 0% APR Credit Card Payoff Calculator Check whether a monthly payment will clear one true 0% promotional credit card balance before the introductory APR expires and see any balance left at expiration. Finance 0% APR Credit Card Payment Needed Calculator Calculate the monthly payment needed to clear one true 0% promotional credit card balance within the number of promotional payments remaining. Finance Aggregate Debt Payoff Calculator Estimate payoff time for one blended debt balance from total debt, combined monthly payments, extra payment, and average APR. Finance Debt Snowball vs Avalanche Calculator Compare account-by-account debt snowball and highest-interest avalanche payoff plans across up to four balances with one shared payment budget. Finance Gas vs EV Cost Calculator Compare annual, monthly, and per-mile energy cost for a gasoline vehicle and an EV using your mileage, fuel economy, EPA electricity use, and entered energy prices. Finance Vehicle Cost Per Mile Calculator Estimate total vehicle cost per mile from your annual mileage and entered fuel, maintenance, insurance, registration, depreciation, financing, parking, toll, and other costs. Finance Lease vs Buy Calculator Compare an entered vehicle lease quote with buying over the same horizon, including upfront cash, payments, end charges, remaining loan balance, and estimated resale value. Finance Car Trade-In Equity Calculator Compare a written trade-in offer with the lender payoff quote, identify positive or negative equity, and estimate any payoff gap carried into a new amount financed. Finance Car Payment Calculator Estimate monthly car payment from vehicle price, down payment, trade-in, sales tax, interest rate, loan term, and fees. Finance Extra Car Payment Calculator Compare an auto loan's scheduled payoff with making an additional principal payment every month. Finance Extra Student Loan Payment Calculator Compare a single fixed-rate student loan's scheduled payoff with making an additional principal payment every month. Finance Car Affordability Calculator Estimate affordable car price from monthly budget, loan rate, term, down payment, tax, fees, and insurance allowance. Finance Auto Insurance Cost Estimator Estimate monthly auto insurance cost from base premium, vehicle factor, driver factor, coverage factor, and discount percentage. Finance Home Insurance Estimate Calculator Estimate annual home insurance premium from dwelling coverage, local rate per thousand, deductible factor, and discount percentage. Finance Credit Card Interest Calculator Estimate credit card interest from average daily balance, APR, and days, or compare a daily-compounding sensitivity estimate. Finance Mortgage Refinance Calculator Estimate refinance savings and break-even timing from current payment, new loan amount, new rate, term, and closing costs. Finance Can I Afford to Move Out Calculator Test whether your take-home income, expected living costs, savings target, and upfront cash can support a move-out timeline. Finance Rent Split Calculator Split monthly rent among two or three people equally, by entered income, or by private-room size with exact cent reconciliation. Finance Net Effective Rent Calculator Convert free rent, a one-time lease concession, and required monthly fees into net effective base rent and all-in monthly cost. Finance Side Hustle Profit Calculator Calculate side-hustle operating profit, user-entered vehicle costs, hourly value, margin, and cash after a chosen tax reserve. Finance Freelance Hourly Rate Calculator Find the minimum billable hourly rate needed for an entered owner-pay goal, business expenses, tax reserve, billable capacity, and pricing buffer. Finance Home Maintenance Reserve Calculator Combine a chosen home-value percentage, known annual upkeep, and a separate repair-reserve target into an explicit monthly maintenance plan. Finance Debt Consolidation Savings Calculator Compare separately paid fixed-rate debts with one fixed-rate consolidation loan using entered balances, payments, term, and fee treatment. Finance Loan Payoff Calculator Compare the remaining balance's payoff time and modeled interest at the scheduled monthly payment with a fixed extra monthly payment. Finance Mortgage Recast Calculator Estimate how a principal lump sum could change a fixed-rate mortgage's principal-and-interest payment when the rate and remaining term stay the same. Finance Social Security Break-Even Calculator Compare two entered Social Security monthly benefit estimates and claiming ages to find when the later claim's cumulative benefits catch up. Finance Commission Calculator Calculate a percentage, per-sale, base-plus, or simple marginal-tier commission scenario from the documented plan terms you enter. Finance Pay Period Calculator Find scheduled weekly, biweekly, semimonthly, or monthly paydays, paychecks in the next 12 months, and extra-payday months from a known payday. Finance Part-Time vs Full-Time Calculator Compare entered part-time and full-time hourly pay, schedules, employer-paid benefit value, employee costs, and annual value per scheduled hour. Finance W-2 vs. 1099 Calculator Compare an entered W-2 scenario with an entered 1099 contractor scenario, including benefit value, business costs, work time, and a user-selected planning reserve. Finance Employee Cost Calculator Estimate an entered fully loaded employee cost from salary or hourly wages, an employer planning burden, benefits, overhead, paid hours, and productive hours. Finance Delivery Driver True Profit Calculator Calculate delivery-driver shift profit from payout, route and deadhead miles, vehicle cost, fees, parking, tolls, and all work time. Finance Gig Worker Mileage Calculator Track business miles and multiply them by a rate you choose for period and annual planning while keeping records and eligibility separate. Finance Tax Set-Aside Calculator Set aside a chosen percentage of positive gig or freelance profit for one payment and a quarterly planning goal without estimating a tax bill. Finance Seller Profit Calculator Calculate per-order seller profit after product cost, shipping, marketplace and payment fees, ads, refunds, and other direct costs. Finance Minimum Selling Price Calculator Find the lowest customer price that covers entered order costs, percentage fees, and a dollar-profit or profit-margin target, including break-even mode. Finance True Cost of Homeownership Calculator Add a mortgage payment, taxes, insurance, HOA, utilities, maintenance, other costs, and closing costs into one entered homeownership cash-flow estimate. Finance Living Alone vs Roommates Calculator Compare your own living-alone and roommate monthly costs, move-in cash, and total cost over a chosen period. Finance Vacation Affordability Calculator Calculate the cash gap, monthly savings needed, and projected shortfall or surplus for an entered vacation budget and departure timeline.

Guides

Finance supporting guides

Long-tail pages help explain calculator results and give visitors useful buying context.

Finance Salary, Overtime, and Effective Hourly Pay: What Each Number Means Compare gross salary conversions, overtime scenarios, and effective hourly pay without mixing taxes, legal eligibility, or work expenses into the wrong result. Finance Remote, Hybrid, and Office Work Costs: Compare the Cash Difference Compare office, hybrid, and remote annual cash costs using commute days, meals, childcare, home-office expenses, and other arrangement-specific inputs. Finance Investment vs. High-Yield Savings: How to Compare the Tradeoffs Compare investing with a high-yield savings account by timeline, volatility, liquidity, APY, fees, inflation, and the purpose of the money. Finance How Much Do I Need for Retirement? Target, 401(k) Growth, and Savings Gap Build a retirement target from spending and other income, project 401(k) growth, and solve the monthly savings gap without mixing the three decisions. Finance FIRE vs. Coast FIRE: Which Retirement Number Are You Solving For? Compare a FIRE date with a Coast FIRE balance using one spending target while keeping ongoing contributions, inflation, and claim limits explicit. Finance First Apartment Move-In Cost Checklist Build an itemized first-apartment cash checklist for rent due, deposits, fees, utilities, moving supplies, prorated rent, and a separate cash buffer. Finance Gas vs. EV Driving Cost Guide Compare gasoline and EV driving energy cost per mile and per year using the same annual miles, actual fuel price, and an all-in electricity rate. Finance Vehicle Cost Per Mile Guide Estimate personal vehicle ownership cost per mile by keeping fixed and variable annual costs visible and separate from the IRS mileage rate. Finance Lease vs. Buy and Trade-In Equity Guide Compare a written vehicle lease with buying over the same time horizon, then keep trade-in equity and any payoff gap visible before financing. Finance Move-Out, Rent Split, and Lease Cost Planning Guide Plan a move-out budget by separating monthly affordability, upfront cash, roommate rent shares, and lease concessions before comparing apartments. Finance Side Hustle Profit and Freelance Hourly Rate Guide Separate past operating profit from a future freelance pricing target, include entered costs and time, and keep a user-selected tax reserve visible. Finance Home Maintenance Reserve and Repair Planning Guide Build an entered maintenance budget and repair-reserve catch-up plan without treating a percentage rule as a repair quote or insurance decision.

Charts

Finance charts

Use these chart pages for quick references, printable visuals, and image-search-friendly planning aids.

Finance chart Hourly Wage to Salary Chart Compare hourly wages from $10 to $100 with weekly, biweekly, average monthly, and annual gross pay using one checked salary calculation source. Finance chart Mortgage Payment Chart Use this mortgage payment chart to compare sample loan amounts, rates, and monthly principal-and-interest payments. Finance chart Loan Payment Chart Use this loan payment chart to compare common loan amounts, terms, and estimated monthly payments. Finance chart Credit Card Payoff Chart Use this credit card payoff chart to compare payment size, payoff time, and interest pressure.

Recently updated

Recently updated calculators

These calculators are good candidates for seasonal review before demand peaks.

Finance Mortgage Payment Calculator Estimate monthly mortgage payment from loan amount, interest rate, loan term, property tax, insurance, and HOA costs. Finance Extra Mortgage Payment Calculator Compare a mortgage's scheduled payoff with extra monthly principal and an optional extra principal payment once per year. Finance Mortgage Lump-Sum Payment Calculator Compare a mortgage's scheduled payoff with applying a one-time lump-sum payment directly to principal while keeping the regular payment unchanged. Finance Rent vs Buy Calculator Compare renting and buying cost over time from monthly rent, mortgage payment, ownership costs, appreciation, and expected years. Finance Compound Interest Calculator Project a balance with compound growth, monthly contributions, a whole-month timeline, and an APY or nominal annual rate basis. Finance Investment Calculator Project an investment scenario from an initial amount, monthly contributions, an assumed annual return, time, and inflation.