168 finance calculators that get the numbers right.
Mortgages, investing, retirement, taxes, debt and everyday money decisions. No signup, no paywalls.
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Real Estate 36 calculators
Real Estate overview
- 1031 Exchange CalculatorTaxes deferred with a 1031 exchange
- 3x Rent RuleDo you earn 3x the rent?
- Airbnb Profitability CalculatorIs a short-term rental profitable?
- Amortization Schedule CalculatorYour loan's full payment schedule
- ARM Mortgage CalculatorARM payments at each rate reset
- Assumable Mortgage Savings CalculatorSavings from assuming a low-rate loan
- BRRRR Method CalculatorAnalyze a buy, rehab, rent, refi deal
- Cap RateCap rate for a rental property
- Cash on Cash ReturnCash-on-cash return on a rental
- Closing Cost CalculatorClosing costs when you buy a home
- Construction Loan CalculatorDraws and payments on a build loan
- Down Payment CalculatorPlan your down payment and PMI
- DSCR CalculatorDebt service coverage for a rental
- FHA Loan CalculatorFHA payments with a low down payment
- Flip Profit CalculatorProfit on a house flip with the 70% rule
- HELOC CalculatorHELOC payments and borrowing limit
- Home AffordabilityHow much house you can afford
- Home Equity Loan CalculatorHome equity loan payment and limit
- House Hacking CalculatorLive in one unit, rent the others
- Interest Only LoanInterest-only payments and total cost
- Landlord Rent Increase CalculatorAllowable rent increase and yield
- Mortgage CalculatorMonthly payment with taxes and PMI
- Mortgage Points CalculatorAre mortgage points worth buying?
- Mortgage Recast CalculatorYour new payment after a recast
- Net Effective Rent CalculatorTrue rent after free-month deals
- PMI CalculatorPMI cost and when it drops off
- Price Per Square Foot CalculatorCompare homes by price per sq ft
- Property Tax Appeal CalculatorSavings from a property tax appeal
- Refinance Break-EvenWhen a refinance pays for itself
- Refinance CalculatorWhat refinancing could save you
- Rent vs BuyThe true cost of renting vs. buying
- Rental Property CalculatorRental cash flow and ROI
- Reverse Mortgage CalculatorReverse mortgage payout for 62+
- Seller Net Sheet CalculatorWhat you'll net from selling your home
- VA Loan CalculatorVA loan payments with no PMI
- Vacation Rental ROI CalculatorReturns on a vacation rental
Investing 43 calculators
Investing overview
- Altman Z-Score CalculatorGauge a company's bankruptcy risk
- Annuity CalculatorTurn savings into a steady income stream
- APY vs APRConvert between APY and APR
- Black-Scholes Options CalculatorPrice options and see the Greeks
- Bond Yield CalculatorBond yield to maturity and current yield
- CAGR CalculatorYour investment's average yearly growth
- CAPM CalculatorExpected return from beta and market risk
- CD CalculatorWhat a CD earns by maturity
- Compound InterestWatch money grow with compound interest
- Crypto Mining Profitability CalculatorIs mining profitable after power costs?
- Crypto Profit CalculatorCrypto profit, loss and ROI after fees
- DCF CalculatorA stock's intrinsic value from cash flows
- Dividend Payout Ratio CalculatorShare of earnings paid out as dividends
- Dividend Yield CalculatorDividend yield and reinvested growth
- Dollar-Cost Averaging CalculatorGrowth from investing a set amount regularly
- DRIP CalculatorGrowth from reinvesting your dividends
- Effective Annual Rate CalculatorThe true yearly rate after compounding
- Future Value CalculatorWhat your money will be worth later
- Gold Investment CalculatorCost, value and return on gold
- Graham Number CalculatorBenjamin Graham's fair value for a stock
- Inflation CalculatorHow inflation shrinks your buying power
- Interest Coverage Ratio CalculatorCan a company cover its interest?
- IRR CalculatorInternal rate of return on a project
- Mutual Fund CalculatorFund growth and the true cost of fees
- NPV CalculatorNet present value of an investment
- Options P&L CalculatorProfit and breakevens on options trades
- P/E Ratio CalculatorP/E ratio and a stock's fair value
- PEG Ratio CalculatorP/E adjusted for earnings growth
- Perpetuity CalculatorValue of a never-ending cash flow
- Portfolio Diversification CalculatorPortfolio risk, return and Sharpe ratio
- Present Value CalculatorWhat future money is worth today
- ROI CalculatorReturn on investment, compared
- Rule of 72How fast your money doubles
- Sharpe Ratio CalculatorReturn per unit of risk
- Simple InterestSimple interest on savings or loans
- Sinking Fund CalculatorSave a set amount to hit a goal on time
- Staking Rewards CalculatorCrypto staking rewards over time
- Stock Cost Basis CalculatorAverage cost and break-even across buys
- Stock Return CalculatorTotal return on a stock, after costs
- Tax-Equivalent Yield CalculatorMuni bond vs. taxable yield
- Terminal Value CalculatorTerminal value for a DCF model
- WACC CalculatorA company's weighted cost of capital
- Yield to Maturity CalculatorA bond's total yield if held to maturity
Retirement 19 calculators
Retirement overview
- 401(k) Front-Loading, Match & True-Up Paycheck OptimizerPlan paychecks to preserve your employer match
- 401k CalculatorProject your 401(k) growth
- 401k Match CalculatorAre you getting your full 401(k) match?
- Backdoor Roth IRA CalculatorTax on a backdoor Roth conversion
- Coast FIRE CalculatorWhen you can stop saving for retirement
- FIRE CalculatorYour number to retire early
- HSA Tax Savings & Growth CalculatorTax saved and HSA growth over decades
- Inherited IRA RMD CalculatorRequired withdrawals on an inherited IRA
- IRA CalculatorTraditional vs. Roth IRA growth
- Medicare Premium CalculatorYour monthly Medicare costs
- Pension CalculatorPension income vs. a lump sum
- RMD CalculatorYour required minimum distribution
- Roth Conversion CalculatorShould you convert to a Roth?
- Roth IRARoth IRA contributions and growth
- Safe Withdrawal Rate CalculatorHow much you can safely withdraw
- Savings GoalMonthly savings to reach a goal
- Social Security Break-EvenBreak-even age for claiming early or late
- Social Security CalculatorYour Social Security benefit by age
- Social Security Claiming Strategy CalculatorThe best age to claim Social Security
Tax & Income 36 calculators
Tax & Income overview
- ACA Income Change & Premium Tax Credit CalculatorACA credit, repayments and income changes
- Bonus Tax CalculatorYour bonus after taxes
- Capital Gains TaxTax on stock, crypto and home sales
- Car Loan Interest Deduction CalculatorThe new car loan interest deduction
- Charitable-Giving Bunching & Asset-Choice OptimizerCompare giving dates, DAFs and asset mixes
- Dependent-Care FSA vs Child/Dependent Care Credit OptimizerDependent-care FSA vs. the care credit
- Effective Tax Rate CalculatorYour effective vs. marginal tax rate
- ESPP Tax CalculatorTax when you sell ESPP shares
- Estate Tax CalculatorFederal estate tax and exemptions
- Freelancer Tax Set-Aside CalculatorHow much freelance income to set aside
- Home Office DeductionYour home office deduction, two ways
- Import Tariff CalculatorDuties and landed cost on imports
- Income TaxFederal and state income tax
- Marriage Tax CalculatorMarriage tax penalty or bonus
- Mileage Deduction CalculatorYour IRS mileage deduction
- Month-by-Month HSA Eligibility & Medicare Transition PlannerHSA room month by month near Medicare
- No Tax on Overtime Deduction CalculatorThe new no-tax-on-overtime deduction
- No Tax on Tips Deduction CalculatorThe new no-tax-on-tips deduction
- Overtime Pay CalculatorOvertime pay at 1.5x and 2x
- Pay Raise CalculatorYour raise after taxes
- Paycheck CalculatorYour take-home paycheck by state
- QBI Deduction Calculator (Section 199A)Your 20% QBI business deduction
- Quarterly Estimated TaxQuarterly estimated tax payments
- RSU Tax CalculatorTax on vesting RSUs
- Salary ConverterSalary by hour, week, month or year
- Salary to HourlyConvert salary to an hourly rate
- Sales TaxSales tax by state and ZIP
- SALT Deduction Cap CalculatorYour SALT deduction under the new cap
- Self-Employment TaxSelf-employment tax and deductions
- Senior Bonus Deduction CalculatorThe new senior bonus deduction (65+)
- Side Hustle Tax CalculatorTaxes on side hustle and gig income
- State Income Tax CalculatorState income tax for all 50 states
- Stock Option Exercise, AMT & Cash-at-Risk PlannerStock option exercise, AMT and risk
- Take-Home Pay CalculatorNet pay after taxes and deductions
- VAT CalculatorAdd or remove VAT from a price
- W-4 Withholding CalculatorSet your W-4 to avoid a tax bill
Loans & Debt 16 calculators
Loans & Debt overview
- APR CalculatorA loan's true APR, including fees
- Auto Loan CalculatorMonthly car payment and total cost
- Boat Loan CalculatorMonthly boat payment and total cost
- Buy Now Pay Later CalculatorThe real cost of Buy Now Pay Later
- Car Affordability CalculatorHow much car you can afford
- Credit Card PayoffPlan your credit card payoff
- Debt Avalanche vs SnowballAvalanche vs. snowball, side by side
- Debt Consolidation CalculatorSavings from combining your debts
- Debt SnowballA smallest-first debt payoff plan
- Debt-to-Income Ratio CalculatorDebt-to-income ratio for loan approval
- Early Loan Payoff CalculatorInterest saved with extra payments
- Loan Comparison CalculatorCompare up to 3 loan offers
- Loan RepaymentRepayment schedule and total interest
- Personal Loan CalculatorPersonal loan payment and interest
- Student Loan Forgiveness CalculatorEstimate PSLF and IDR forgiveness
- Student Loan Repayment CalculatorCompare student loan repayment plans
Planning 18 calculators
Planning overview
- Baby Cost CalculatorWhat a baby costs in year one
- Bill Split CalculatorSplit a bill and tip between friends
- Bilt 2.0 Rewards CalculatorFind your best Bilt card and earnings
- Budget PlannerA monthly budget with the 50/30/20 rule
- College SavingsSave for college with a 529 plan
- Cost of Living ComparisonCompare living costs between cities
- Credit Card Rewards CalculatorWhich rewards card pays you the most
- Disability Insurance CalculatorDisability coverage you need and cost
- Emergency Fund CalculatorHow big your emergency fund should be
- FSA CalculatorFSA tax savings and how much to elect
- HSA CalculatorHSA tax savings and invested growth
- Lottery Payout CalculatorLump sum vs. annuity, after taxes
- Millionaire Timeline CalculatorHow long until you reach $1 million
- Prorated Salary CalculatorPay for a partial month or year
- Savings Rate CalculatorYour savings rate and years to FIRE
- Subscription Audit CalculatorFind what your subscriptions really cost
- Travel Miles & Points CalculatorWhat your miles and points are worth
- Trump Accounts Newborn Savings CalculatorGrow a newborn's Trump Account