Financial Calculators
125 free calculators for every money decision — buying a home, paying off debt, growing savings, planning retirement, estimating take-home pay in all 50 states plus NYC, Philadelphia, and DC, and figuring VA disability compensation. Each one shows its formula and a worked example.
Mortgage & Home
- MortgagePayment with taxes & PMI
- AmortizationPrincipal vs. interest schedule
- Mortgage PayoffSavings from extra payments
- House AffordabilityHome price you can afford
- RefinanceSavings & break-even point
- Down PaymentCash to close
- RentRent you can afford
- Rent vs. BuyWhich is cheaper
- Loan-to-Value (LTV)Ratio, equity & PMI
- Debt-to-Income (DTI)The ratio lenders check
- Property TaxAnnual tax from rate
- Home Equity LoanHow much to borrow
Loans & Debt
- LoanPayment & total interest
- Auto LoanCar payment with tax
- Personal LoanPayment with fees
- Student LoanRepayment cost & timeline
- Credit Card PayoffTime & interest to zero
- Debt PayoffSnowball vs. avalanche
- Debt ConsolidationWould one loan save?
- Car LeasePayment from money factor
- Car AffordabilityBudget from payment
- APRTrue cost with fees
- Auto Loan PayoffExtra payments & savings
- Student Loan PayoffExtra payments & savings
- HELOC PaymentDraw & repayment periods
- Auto Loan IncomeQualifying income by type
- Negative EquityTrade-in payoff shortfall
Savings & Investing
- Compound InterestGrowth, any frequency
- Simple InterestI = P × r × t
- SavingsGrowth with deposits
- Savings GoalMonthly amount to target
- CDCertificate earnings & APY
- InvestmentPortfolio growth projection
- ROIReturn & annualized return
- CAGRCompound annual growth
- Future ValueWhat money becomes
- Present ValueToday's worth of money
- Net WorthAssets minus liabilities
- Rule of 72Years to double money
- DividendIncome with reinvestment
- Emergency FundYour safety-net number
- InflationPurchasing power over time
- College SavingsMonthly 529 savings
Retirement
- RetirementAre you on track?
- 401(k)Balance with employer match
- Roth IRATax-free growth projection
- AnnuityPayout from lump sum
- Retirement WithdrawalHow long savings last
- Social SecurityBenefits by claiming age
- 401(k) Early WithdrawalPenalty & tax cost
- HSA Contribution LimitMax 2025 contribution
- Life InsuranceCoverage needed (DIME)
Income & Tax
- Income Tax2025 brackets & rate
- Take-Home PayPaycheck after taxes
- SalaryHourly to annual
- OvertimeTime-and-a-half pay
- Self-Employment TaxSE tax for 1099
- Quarterly Estimated TaxFreelancer IRS payments
- Estimated Tax PenaltySafe harbor rule
- Bonus TaxSupplemental pay withholding
- Roth ConversionTax cost of converting
- Effective vs. Marginal RateAverage vs. bracket rate
- Capital Gains TaxShort vs. long-term
- Sales TaxAdd or remove tax
- VATAdd or remove VAT
- TipGratuity & bill split
State Take-Home Pay
- CaliforniaCA + federal paycheck
- TexasNo state income tax
- FloridaNo state income tax
- New YorkNY + federal paycheck
- PennsylvaniaFlat 3.07% state tax
- IllinoisFlat 4.95% state tax
- OhioOH + federal paycheck
- GeorgiaFlat 5.19% state tax
- North CarolinaFlat 4.25% state tax
- MichiganFlat 4.25% + city tax
- New JerseyNJ + federal paycheck
- VirginiaVA + federal paycheck
- WashingtonNo state income tax
- ArizonaFlat 2.5% state tax
- MassachusettsFlat 5% + millionaire tax
- TennesseeNo state income tax
- IndianaFlat 3% + county tax
- MarylandMD + federal paycheck
- MissouriMO + federal paycheck
- WisconsinWI + federal paycheck
- ColoradoFlat 4.4% state tax
- MinnesotaMN + federal paycheck
- South CarolinaSC + federal paycheck
- AlabamaAL + federal paycheck
- LouisianaFlat 3% state tax
- KentuckyFlat 4% state tax
- OregonOR + federal paycheck
- OklahomaOK + federal paycheck
- ConnecticutCT + federal paycheck
- UtahFlat 4.5% state tax
- NevadaNo state income tax
- IowaFlat 3.8% state tax
- ArkansasTop 3.9% state tax
- MississippiFlat 4.4% state tax
- KansasKS + federal paycheck
- New MexicoNM + federal paycheck
- NebraskaNE + federal paycheck
- IdahoFlat 5.3% state tax
- West VirginiaWV + federal paycheck
- HawaiiHI + federal paycheck
- New HampshireNo state income tax
- MaineME + federal paycheck
- Rhode IslandRI + federal paycheck
- MontanaMT + federal paycheck
- DelawareDE + federal paycheck
- South DakotaNo state income tax
- North DakotaND + federal paycheck
- AlaskaNo state income tax
- VermontVT + federal paycheck
- WyomingNo state income tax
- Washington DCDC + federal paycheck