Finance Calculators
Free financial calculators to help you plan investments, compare loans, budget for retirement, and make smarter money decisions.
Compound Interest Calculator
Calculate compound interest on savings and investments. See how your money grows over time with regular contributions and different compounding frequencies.
Mortgage Payment Calculator
Calculate your monthly mortgage payment including principal, interest, property tax, and insurance. Compare loan terms and see your full amortization breakdown.
Loan Payoff Calculator
Find out how long it will take to pay off your loan and how much you can save by making extra payments. See your debt-free date and total interest savings.
Tip Calculator
Calculate the tip amount and split the bill between friends. Enter your bill total, choose a tip percentage, and see each person's share instantly.
Retirement Savings Calculator
Estimate how much you need to save for retirement. See if you're on track based on your current savings, contributions, expected returns, and retirement age.
Sales Tax Calculator
Calculate sales tax on any purchase. Enter the price and tax rate to see the tax amount and total cost, or reverse-calculate the pre-tax price from a total.
Airbnb Income Calculator
Estimate your potential Airbnb rental income and profit. Enter nightly rate, occupancy rate, and expenses to project annual revenue, net income, and cash flow for your short-term rental.
Car Affordability Calculator
Find out how much car you can afford based on your income, down payment, loan terms, and total ownership costs including insurance, gas, and maintenance.
50/30/20 Budget Calculator
Enter your take-home pay to see how the 50/30/20 budgeting rule applies to your income. This popular framework divides your after-tax income into three categories: needs, wants, and savings.
Accounts Receivable Turnover Calculator
Calculate your accounts receivable turnover ratio and days sales outstanding (DSO). Measure how efficiently your business collects payments from credit customers.
Airbnb Profitability Calculator
Estimate the profitability of a short-term rental property. Calculate net income, cap rate, and cash-on-cash return based on your property costs, rental income, and operating expenses.
Amortization Schedule Calculator
Generate a complete amortization schedule for any loan. See how each payment is split between principal and interest, and track your remaining balance over time.
Baby First Year Cost Calculator
Estimate how much your baby will cost in the first year. Get a realistic breakdown of childcare, feeding, diapers, gear, and medical expenses based on your specific situation.
Break-Even Calculator
Calculate how many units you need to sell to cover your costs. Enter your fixed costs, price per unit, and variable cost per unit to find your break-even point.
50/30/20 Budget Calculator
Create a balanced monthly budget using the popular 50/30/20 rule. Enter your take-home income to see exactly how much to allocate to needs, wants, and savings.
Business Loan Calculator
Calculate monthly payments, total interest, and the full cost of financing for your business. Compare loan terms to find the right option for your cash flow.
Customer Acquisition Cost Calculator
Calculate how much it costs to acquire each new customer. Enter your marketing and sales expenses to find your CAC and evaluate channel efficiency.
Capital Lease Calculator
Calculate the present value of lease payments and generate an amortization schedule for capital (finance) leases. Determine your right-of-use asset value and lease liability under ASC 842 / IFRS 16.
Cash Flow Calculator
Calculate your net cash flow from operating, investing, and financing activities. See your free cash flow and understand where cash is coming from and going.
CD Calculator
Calculate how much interest you'll earn on a certificate of deposit. Compare different terms and rates to find the best CD for your savings.
College Budget Calculator
Plan your monthly college budget across all income sources and spending categories. See if your finances balance and identify areas to adjust before the semester starts.
College Comparison Calculator
Compare two colleges side by side on cost, financial aid, and long-term value. Enter each school's numbers to see which offers the better financial outcome over your career.
College Cost Calculator
Estimate the full cost of a college education including tuition, room and board, books, and personal expenses. See year-by-year projections with tuition inflation to plan your finances.
College ROI Calculator
Calculate the return on investment of a college degree. Compare total costs against projected earnings to find your break-even point and lifetime earnings advantage.
College Savings Calculator
Project future college costs and see whether your current savings plan is on track. Factor in tuition inflation, investment returns, and different school types to get a realistic picture.
Contractor vs W-2 Calculator
Compare the true take-home pay of a 1099 contractor versus a W-2 employee. See the real impact of self-employment taxes, benefits costs, and deductions on your bottom line.
Cost of Living Calculator
Compare your current monthly expenses to a new scenario — whether you're considering a move, a lifestyle change, or just want to see how your spending stacks up.
Credit Card Payoff Calculator
See how long it will take to pay off your credit card and how much interest you'll pay. Compare minimum payments versus a fixed monthly payment to find the fastest path to debt freedom.
Debt Payoff Strategy Calculator
Compare the Avalanche and Snowball debt payoff strategies side by side. Enter your debts, set your extra monthly payment, and see which approach gets you debt-free faster and cheaper.
Debt Snowball Calculator
Enter your debts and extra monthly payment to create a step-by-step snowball payoff plan. See the order to tackle each debt and how quickly you can become debt-free.
HELOC Debt Consolidation Calculator
Compare paying off high-interest debts separately versus consolidating them into a Home Equity Line of Credit. See potential savings on interest, monthly payments, and payoff time.
Debt-to-Equity Ratio Calculator
Calculate your debt-to-equity ratio, debt ratio, and equity ratio. Understand your company's financial leverage and how it compares to industry standards.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio to see where you stand. Lenders use this key metric to evaluate your ability to manage monthly payments and qualify for loans.
Depreciation Calculator
Calculate asset depreciation using straight-line, double declining balance, or sum-of-years-digits methods. View a complete depreciation schedule showing annual expense and remaining book value.
Discount Calculator
Calculate the sale price after one or two stacked discounts. See exactly how much you save and the true total percentage off.
Dorm vs Apartment Calculator
Compare the true cost of living in a campus dorm versus renting an off-campus apartment. Factor in all expenses including meals, utilities, and commuting to find the better deal.
Down Payment Calculator
Find out how much you need for a home down payment and how long it will take to save it. See how different down payment percentages affect your mortgage and PMI.
Debt Service Coverage Ratio Calculator
Calculate your DSCR to see if your business generates enough income to cover its debt payments. Essential for loan applications and financial health monitoring.
EBITDA Calculator
Calculate EBITDA and EBITDA margin from your financial statements. A key metric used in business valuation, loan underwriting, and comparing profitability across companies.
Emergency Fund Calculator
Find out how much you need in your emergency fund based on your expenses, income stability, and family size. See your progress and how long it will take to reach your goal.
Employee Cost Calculator
Calculate the true cost of hiring an employee. Go beyond base salary to see the full picture including payroll taxes, benefits, equipment, and overhead.
Financial Aid Calculator
Estimate your Expected Family Contribution and potential financial aid eligibility. Enter your household financial information to see a rough estimate of grants and aid you may qualify for.
FIRE Calculator
Calculate your Financial Independence number and find out when you can retire early. See your progress, savings rate, and what it takes to reach financial freedom.
Freelancer Hourly Rate Calculator
Calculate the hourly rate you need to charge as a freelancer to match your target income. Accounts for taxes, benefits, time off, and non-billable hours so you don't leave money on the table.
Fuel Cost Calculator
Calculate the fuel cost for any trip. Enter your distance, vehicle's MPG, and current gas price to see total cost, gallons needed, and cost per mile.
Inflation Calculator
See how inflation erodes purchasing power over time. Enter an amount, time period, and inflation rate to understand the future cost of goods and the real value of your money.
Inventory Turnover Calculator
Calculate your inventory turnover ratio and days inventory outstanding (DIO). Understand how quickly your business sells and replaces its inventory to optimize stock levels.
Investment Return Calculator
Calculate the total and annualized return on any investment. Enter your purchase price, current value, and holding period to see how your investment has performed.
Life Insurance Needs Calculator
Calculate how much life insurance coverage your family needs using the DIME method. Factor in income replacement, debts, education costs, and existing assets to get a personalized recommendation.
Customer Lifetime Value Calculator
Estimate the total revenue a customer will generate over their relationship with your business. Calculate LTV, payback period, and the critical LTV:CAC ratio.
Markup Calculator
Calculate the selling price from cost and desired markup percentage, or find the markup percentage from cost and selling price. See both markup and margin side by side.
Meal Plan Calculator
Compare the cost of a campus meal plan versus cooking your own meals. Calculate the cost per meal for each option and see how much you could save over a semester.
Monthly Budget Calculator
Enter your income and expenses to get a clear picture of your monthly cash flow. See where your money goes, identify areas to save, and take control of your finances.
Moving Budget Calculator
Estimate the total cost of your move — from hiring movers and buying supplies to deposits and setup expenses. Select your move type to start with suggested estimates.
Moving Cost Calculator
Estimate the total cost of your upcoming move. Choose between hiring movers or a DIY truck rental, then factor in packing supplies, insurance, and other expenses.
Net Worth Calculator
Get a clear picture of your financial health. Add up everything you own, subtract what you owe, and see your net worth in seconds.
Net Present Value Calculator
Calculate the net present value (NPV) of a series of future cash flows. Enter your initial investment, discount rate, and expected cash flows to evaluate whether a project or investment is financially worthwhile.
Operating Expense Ratio Calculator
Calculate your operating expense ratio to measure business efficiency. See how much of your revenue goes to operating costs and break down spending by category.
Overhead Cost Calculator
Calculate your overhead rate and see how indirect costs are allocated to each product unit. Choose from multiple allocation bases to match your business model.
Paycheck Calculator
Estimate your take-home pay after federal and state taxes, Social Security, Medicare, and retirement contributions. See exactly where your paycheck goes.
Payroll Calculator
Calculate employee take-home pay after federal and state taxes, Social Security, Medicare, and deductions. See the full breakdown from gross pay to net pay.
Payroll Tax Calculator
Estimate federal payroll taxes for employees including Social Security, Medicare, and federal income tax withholding. See both employee and employer tax obligations side by side.
Pet Lifetime Cost Calculator
Estimate the total cost of pet ownership over your pet's lifetime. Choose a preset for your pet type or enter custom costs to see annual and lifetime expenses broken down by category.
Profit Margin Calculator
Calculate gross profit margin, operating margin, and net profit margin from your revenue and costs. Understand your business profitability at every level.
Quick Ratio Calculator
Calculate your business quick ratio (acid test) to assess short-term liquidity. See if your liquid assets can cover current liabilities without relying on inventory sales.
Rent vs Buy Calculator
Should you rent or buy a home? Compare the total costs of renting versus buying over your expected time horizon, including mortgage payments, taxes, maintenance, and equity.
Revenue Growth Calculator
Calculate your revenue growth rate and project future revenue. Compare period-over-period growth and see how your trajectory compounds over time.
ROI Calculator
Calculate return on investment for any project or purchase. Enter your initial investment and final value to see ROI percentage, annualized return, and net profit.
Can I Afford to Quit? Calculator
Figure out how long your savings will last if you leave your job. Enter your finances to see your personal runway and whether you're ready to make the leap.
Savings Goal Calculator
Find out how long it will take to reach your savings goal, or how much you need to set aside each month. Factor in interest to see how your money grows over time.
Scholarship Calculator
Estimate your potential scholarship and grant amounts based on your academic profile and financial need. See how scholarships can reduce your total cost of attendance.
Student Loan Calculator
Calculate your monthly student loan payments and total repayment cost. See how different repayment terms and extra payments affect your payoff timeline and total interest.
Subscription Cost Calculator
Add up all your subscriptions to see the real monthly, yearly, and long-term cost. Find out how much you could save — or invest — by cutting back.
Subscription Tracker Calculator
Add up all your recurring subscriptions to see the true monthly and annual impact on your budget. Spot the biggest drains and find potential savings.
Tax Withholding & Take-Home Pay Calculator
Calculate your actual per-paycheck take-home pay after federal income tax, FICA, and state taxes. Enter your salary, filing status, and deductions to see a detailed breakdown.
Tuition Inflation Calculator
Project what college will cost in the future based on historical tuition inflation rates. Plan ahead by seeing year-by-year cost projections for when your child enrolls.
Vacation Budget Calculator
Plan your trip finances by estimating costs for every category — flights, hotels, food, activities, and more. See your total budget, daily average, and per-person cost.
Wedding Budget Calculator
Plan your wedding finances with confidence. Enter your total budget and guest count to get a recommended allocation across every category — from venue and catering to photography and flowers.
Working Capital Calculator
Calculate your net working capital, current ratio, and quick ratio. Assess your business's short-term liquidity and ability to cover upcoming obligations.
Zero-Based Budget Calculator
Give every dollar a job. Enter your income and assign amounts to each budget category until you reach zero — the foundation of intentional spending.