Financial

Plan loans, investments, retirement, and more.

The financial calculators here cover the main arithmetic of household money — borrowing, saving, investing, paying off debt, and planning for retirement. Each tool shows the underlying math, not just an answer: loan calculators emit a full amortization schedule, investment calculators graph compound growth over time, and tax-related tools use current US federal brackets and standard deduction figures.

Pair them with the in-depth money guides below when you want the concepts behind the numbers — why the first years of a mortgage are mostly interest, how Roth and Traditional accounts actually compare, when the math says to refinance, and the rules of thumb worth ignoring.

In-depth guides

Understanding Mortgages

How a mortgage payment is split between principal and interest, why early payments matter most, and what to actually compare when shopping a loan.

APR vs APY

Two rates that look identical but mean opposite things. The math that explains why a 24% credit card actually costs about 27% a year.

Roth vs Traditional

When pay-tax-now beats pay-tax-later, when it doesn't, and why most savers should hold some of both.

Debt Payoff Strategies

Avalanche vs snowball — when the math wins, and when human behavior wins.

Rent vs Buy

The 5% rule, price-to-rent ratios, and why your time horizon usually matters more than the interest rate.

All calculators

Auto Loan Calculator

Monthly payment and amortization schedule.

Mortgage Calculator

Monthly payment with tax, insurance, and PMI.

Mortgage Compare

Put two mortgages head-to-head with an overlay chart.

Refinance Calculator

When does the monthly savings cover closing costs?

Rent vs. Buy

Year-by-year break-even between renting and buying.

Credit Card Payoff

Months to payoff and total interest, two ways.

Debt Snowball/Avalanche

Snowball or avalanche debt payoff simulator.

Investment Calculator

Compound growth with monthly contributions.

Retirement Calculator

How much you need and whether you are on track.

401(k) + Employer Match

Future balance, employer match, missed-match alerts.

Roth vs. Traditional

Side-by-side Roth vs. Traditional IRA outcomes.

Paycheck Calculator

Take-home pay after federal, FICA, and state taxes.

Inflation Calculator

See how inflation erodes (or has eroded) purchasing power.

Net Worth

Add up assets and liabilities to get your net worth.

APR ↔ APY

Convert annual percentage rate to effective yield.