Finance & Wealth
Calculators.
Mortgages, investing, tax, retirement, and debt — every number that matters to your money. Real Estate
21 toolsEvery property decision involves numbers that span decades. Whether you are buying a first home, refinancing to a lower rate, or evaluating a rental investment, these calculators turn complex amortization math into instant, actionable answers.
Mortgage Calculator
Monthly P&I, total interest, and full amortization schedule.
Rent vs Buy
Side-by-side wealth comparison of renting versus buying over time.
Home Affordability
Maximum home price you can afford based on income, debts, and down payment.
Refinance Calculator
New payment, monthly savings, and break-even timeline for refinancing.
Interest Only
Interest-only payment during the draw period and fully amortized reset.
Cap Rate
Capitalization rate, GRM, and cash flow analysis for rental properties.
Cash on Cash Return
Annual pre-tax cash flow as a percentage of total cash invested.
Amortization Schedule
Full month-by-month payment table with principal and interest breakdown.
VA Loan Calculator
VA loan payment, funding fee, and PITI for eligible veterans.
FHA Loan Calculator
FHA MIP, minimum down payment, and county loan limits.
HELOC Calculator
Borrowing capacity, draw period costs, and repayment schedule.
Refinance Break-Even
Months to recoup refinancing closing costs from monthly savings.
Rental Property
NOI, cap rate, cash-on-cash return, and total ROI for investment property.
Closing Cost
State-by-state closing cost estimates including lender and title fees.
Down Payment
5/10/20% scenarios, PMI impact, and monthly savings plan to goal.
DSCR Calculator
Debt service coverage ratio, NOI breakdown, and max loan qualification for rental properties.
Flip Profit Calculator
Fix-and-flip ROI, 70% rule MAO, holding costs, financing costs, and scenario analysis.
Home Equity Loan
CLTV, max borrowing power, debt consolidation savings, and home improvement ROI.
Rent Increase Calculator
Allowable rent increases, CLTV compliance, tenant affordability, and rental yield.
Property Tax Appeal Calculator
Estimate tax savings, appeal strength, and comparable analysis before filing a property tax appeal.
Airbnb Profitability Calculator
Estimate nightly revenue, occupancy break-even, and net cash flow for short-term rentals.
1031 Exchange Calculator
Tax-deferred exchange savings, boot calculation, and reinvestment requirements.
Investing
16 toolsTime and compounding are the two most powerful forces in wealth building. Model investment growth, compare APY vs APR, measure real returns after inflation, and analyze bonds, CDs, IRR, and NPV — the fundamentals every serious investor relies on.
Future Value Calculator
Project any investment to a future date with contributions — solve for rate, time, or PMT.
Compound Interest
Investment growth over time with compounding frequency and contributions.
ROI Calculator
Return on investment with annualized rate and inflation adjustment.
Simple Interest
Principal, rate, and time — straightforward interest without compounding.
APY vs APR
Convert between APY and APR across compounding frequencies.
Inflation Calculator
Purchasing power erosion over time using historical or custom CPI rates.
Rule of 72
Quick estimate of how long it takes your money to double at a given rate.
CAGR Calculator
Compound annual growth rate between a start and end value.
CD Calculator
Certificate of deposit maturity value and effective annual yield.
Bond Yield
Yield to maturity, current yield, and total return for fixed-income bonds.
IRR Calculator
Internal rate of return for uneven cash flow series.
NPV Calculator
Net present value of future cash flows discounted at your required rate.
Annuity Calculator
Calculate annuity future value (accumulation) or monthly income payout with exclusion ratio and IRR.
Dividend Yield Calculator
Dividend yield, yield on cost, DRIP reinvestment projector, and multi-stock portfolio income builder.
Portfolio Diversification
Expected return, volatility, Sharpe ratio, and 30-year projection vs benchmarks.
Mutual Fund Calculator
Model fund growth and see how expense ratios erode returns. Compare up to 3 funds and find the break-even hurdle.
Planning
6 toolsA goal without a plan is just a wish. The Budget Planner maps monthly cash flow against the 50/30/20 framework, College Savings models 529 growth, and Emergency Fund shows how fast you can build your safety net.
Budget Planner
Monthly cash flow mapped to the 50/30/20 framework with custom ratios.
College Savings
529 plan projections with state tax deductions and college cost lookup.
Emergency Fund
Target fund size by expense level and months to reach your safety net.
Disability Insurance
Monthly benefit, premium estimate, SSDI comparison, and coverage gap analysis.
Subscription Audit Calculator
Track recurring charges, find hidden costs, and calculate annual savings from cancellations.
Bilt 2.0 Rewards Calculator
Compare Bilt Blue, Obsidian, and Palladium cards. Find the best earning path for rent and spending.
Tax & Income
13 toolsTaxes are most Americans' single largest expense. These calculators estimate federal income tax brackets, effective rates, paycheck deductions, and sales tax totals — giving you clarity all year round, not just at filing season.
Income Tax
Federal income tax by bracket with marginal and effective rate breakdown.
Salary Calculator
Convert hourly to annual pay with tax breakdown and benefits analysis.
Sales Tax
State and local combined sales tax with reverse-solve mode.
VAT Calculator
Value Added Tax for international transactions and cross-border commerce.
Take-Home Pay
Net paycheck after federal, state, and FICA deductions.
Self-Employment Tax
SE tax (15.3%), QBI deduction, and quarterly estimated payments.
Quarterly Estimated Tax
Q1 through Q4 deadlines with safe harbor calculation.
Capital Gains Tax
Short-term, long-term rates, NIIT surcharge, and state capital gains tax.
Salary to Hourly
Bidirectional pay rate conversion between annual salary and hourly wage.
Bonus Tax
Flat-rate vs aggregate vs annualized bonus withholding methods.
Overtime Pay
Net overtime earnings after federal, state, and FICA taxes.
Estate Tax Calculator
Federal and state estate tax with TCJA sunset warning and planning strategies.
Side Hustle Tax Calculator
Estimate self-employment tax, quarterly payments, and net profit from side income.
Loans & Debt
11 toolsInterest is the price of borrowing money. Compare avalanche vs snowball payoff strategies, model debt consolidation savings, check your DTI before applying for a mortgage, and navigate all federal student loan repayment plans.
Auto Loan
Car loan monthly payment, total interest paid, and payoff timeline.
Credit Card Payoff
Months to debt-free and total interest at minimum vs fixed payments.
Loan Repayment
Payoff timeline, total cost, and amortization for any fixed-rate loan.
Debt Snowball
Pay smallest balances first for quick wins and psychological momentum.
Debt Avalanche
Highest interest rate first — the mathematically optimal payoff strategy.
Debt Consolidation
Combine multiple debts into one lower-rate loan and see total savings.
DTI Calculator
Debt-to-income ratio and what lenders consider for loan qualification.
Student Loan
All federal repayment plans compared — Standard, IDR, PAYE, REPAYE.
Loan Forgiveness
PSLF and IDR forgiveness eligibility with projected savings.
Boat Loan Calculator
Monthly payment, total ownership cost, and term comparison for marine financing.
Personal Loan Calculator
Monthly payment, total interest, and payoff timeline for unsecured personal loans.
Retirement
8 toolsThe earlier you model retirement, the more options you have. Project 401(k) balance with match, compare Roth vs Traditional IRA, calculate your FIRE number, plan required minimum distributions, and set concrete milestones.
401(k) Calculator
Project 401(k) growth with employer match and catch-up contributions.
Roth IRA
Tax-free retirement growth with MAGI phase-out and contribution limits.
IRA Calculator
Traditional IRA growth with tax-deductible contribution modeling.
RMD Calculator
Required minimum distributions using the Uniform Lifetime Table.
Savings Goal
How long to reach your savings target with monthly contributions.
FIRE Calculator
Financial independence number and years to early retirement.
Coast FIRE Calculator
Find when you can stop saving and let compounding carry you to retirement.
Pension Calculator
Estimate defined benefit pension income and compare monthly vs. lump sum.