Loans & saving calculators
Interest is what time costs. Here is the whole bill.
Mortgages and renting, loans and debt, saving, investing, retirement and budgets.
Mortgages and renting
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Mortgage Calculator
Your full monthly mortgage payment: loan, taxes, insurance, PMI and HOA. e.g. Monthly payment = 2,917.11 -
How Much House Can I Afford?
The home price your income supports, by the rule lenders use. e.g. Home price you can afford = 357,530.76 -
Down Payment Calculator
The down payment and cash you need to buy a home, and how long to save for it. e.g. Down payment = 35,000.00 -
Rent or Buy Calculator
Whether buying or renting leaves you better off, and after how many years. e.g. Renting comes out ahead by = 11,061.22 -
Refinance Calculator
What refinancing saves each month, and when it pays back its costs. e.g. Monthly saving = 315.05 -
Home Equity and LTV Calculator
How much of your home you own, your loan-to-value, and what you could borrow against it. e.g. Home equity = 150,000.00 -
Mortgage Payoff Calculator
How much sooner extra payments clear your mortgage, and the interest they save. e.g. Interest saved = 88,258.23 -
Rent Split Calculator
A fair split of the rent between housemates, by room size or by income. e.g. Anna pays = 1,100.00 -
German Mortgage Calculator (Tilgung)
The monthly rate, the debt left when the fixed rate ends and how long the loan runs. e.g. Monthly rate = 1,400.00 -
How Much Rent Can I Afford?
The rent your income supports, by the 30% rule and by the test landlords use. e.g. Rent you can afford = 1,500.00 -
Closing Cost Calculator
The closing costs on a home, and the cash you need on the day with the down payment. e.g. Closing costs = 12,000.00 -
Property Tax Calculator
The yearly and monthly property tax on a home, from its value and the local rate. e.g. Property tax per year = 3,850.00 -
Mortgage Points Calculator
Whether buying mortgage points pays off, and how many months until it does. e.g. Break-even = 60 months -
Loan-to-Value (LTV) Calculator
How much of your home’s value you owe, and how far you are from 80%. e.g. Loan-to-value = 75%
Loans and debt
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Loan and Mortgage Payment Calculator
Find the monthly payment on a loan or mortgage, and what it costs in total. e.g. Monthly payment = 1,199.10 -
Car Loan Calculator
The monthly payment on a car, and what it costs once the interest is in. e.g. Monthly payment = 642.55 -
Student Loan Calculator
Your monthly student loan payment, the interest, and how much paying extra saves. e.g. Monthly payment = 340.64 -
Credit Card Payoff Calculator
How many months until your card is paid off, and what the interest costs you. e.g. Months to pay it off = 34 months -
Debt Payoff Calculator
When you’ll be debt-free, and whether snowball or avalanche gets you there cheaper. e.g. Months until you’re debt-free = 25 months -
Balance Transfer Calculator
How much a 0% balance transfer card saves on your credit card debt, after the fee. e.g. You save = 1,529.61 -
Loan Amortization Schedule Calculator
See every payment on a loan: interest, principal and balance. e.g. Monthly payment = 396.02 -
Debt-to-Income Ratio Calculator
Your debt-to-income ratio, the number lenders check before a mortgage or loan. e.g. Debt-to-income ratio = 35% -
Car Lease vs Buy Calculator
Whether leasing or buying a car costs less over the same few years. e.g. Leasing saves = 1,883.15 -
APR to APY Calculator
Turn an APR into the APY you actually earn or pay, or the other way around. e.g. APY = 5.116% -
Credit Card Interest Calculator
What a card balance costs in interest this month, each day and over a year. e.g. Interest this billing cycle = 54.25 -
How Much Car Can I Afford?
The car price your monthly budget, down payment and loan rate add up to. e.g. Car price you can afford = 30,251.00 -
Car Lease Calculator
The monthly payment on a car lease, split into what you use up and what you pay to borrow. e.g. Monthly payment = 512.57 -
Loan Comparison Calculator
Two loan offers side by side: which payment is lower, and which costs less in the end. e.g. Loan A costs less overall by = 603.52 -
Car Refinance Calculator
What refinancing your car loan saves each month and in total, after fees. e.g. Monthly saving = 25.20 -
Credit Utilization Calculator
How much of your credit you are using, and what to pay down to get under 30% or 10%. e.g. Credit utilization = 25% -
Car Depreciation Calculator
What a car will be worth after each year, and how much value it loses. e.g. Value after those years = 14,616.18 -
Loan Interest Rate Calculator
The interest rate you are really paying, from the amount, monthly payment and term. e.g. Interest rate (yearly) = 7%
Saving and investing
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Compound Interest Calculator
See how savings grow when interest earns interest. e.g. Final balance = 16,288.95 -
Savings Goal Calculator
Find out how much to save each month to reach a goal. e.g. Save each month = 416.67 -
ROI Calculator: Return on Investment
How much an investment earned, in total and per year. e.g. Return on investment = 50% -
Retirement Calculator
What your retirement savings will be worth, and the income they can pay. e.g. Your savings at 67, in today’s money = 490,528.52 -
401(k) Calculator with Employer Match
What your 401(k) could grow to by retirement, with your employer’s match. e.g. Balance at retirement = 1,043,848.54 -
CD Calculator (Certificate of Deposit)
What a CD or fixed-term deposit is worth at maturity, and the interest it earns. e.g. Value at maturity = 10,920.25 -
Simple Interest Calculator
Work out interest that is paid only on the original amount. e.g. Interest = 600.00 -
Inflation Calculator
See what money will cost, or be worth, after years of inflation. e.g. Cost in the future = 134.39 -
Rule of 72 Calculator
How many years it takes money to double at a given rate, by the rule of 72 and exactly. e.g. Years to double (rule of 72) = 9 -
Dividend Yield Calculator
A share’s dividend yield, and the income an investment in it would pay. e.g. Dividend yield = 4% -
Present Value Calculator
What money in the future is worth today, for a single sum or a series of payments. e.g. Present value = 6,139.13 -
FIRE Calculator
How much you need to stop working, and how many years it takes to get there. e.g. Years to financial independence = 21.4 years -
How Long Will My Money Last?
How many years your savings last if you take the same amount out each month. -
Savings Interest Calculator
What your savings account earns each month and over any period, from its APY. e.g. Interest over the period = 400.00 -
Stock Profit Calculator
The profit or loss on a stock trade, in money and percent, after fees. e.g. Profit or loss = 1,500.00 -
Roth IRA Calculator
What a Roth IRA grows to by retirement, and how much of it is tax-free growth. e.g. Balance at retirement = 967,658.15 -
ROI Calculator
The return on an investment in percent, in total and per year. e.g. ROI = 25% -
CAGR Calculator
The steady yearly growth rate between a starting and an ending value. e.g. CAGR = 14.87% -
Crypto Profit Calculator
The gain or loss on a coin, in money and percent, after the exchange’s fees. e.g. Profit or loss = 237.53 -
Dollar-Cost Averaging Calculator
The average price you really paid when you buy the same amount at regular intervals. e.g. Average cost per unit = 38.46 -
College Savings Calculator (529)
What to save each month for college, with costs that keep rising until the first bill. e.g. Save each month = 970.07
Budgeting
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Budget Calculator (50/30/20 Rule)
Split your take-home pay into needs, wants and savings with the 50/30/20 rule. e.g. Needs: housing, food, bills, transport = 2,000.00 -
Emergency Fund Calculator
How big your emergency fund should be, and how long it takes to get there. e.g. Emergency fund target = 15,000.00 -
Net Worth Calculator
What you own minus what you owe, in one number. e.g. Net worth = 143,000.00 -
Subscription Cost Calculator
What all your subscriptions cost per month, per year and over five years. e.g. Per month = 82.05 -
Travel Budget Calculator
What a trip will cost in total, per day and per person, with a buffer for surprises. e.g. Total trip budget = 3,696.00 -
Wedding Budget Calculator
What your wedding will cost in total and per guest, from the guest list up. e.g. Wedding budget = 28,820.00
