Financial calculators that show their working.

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50 calculators

Amortization calculatorMonth by month, how much of each payment is principal.
Debt-to-income ratio calculatorBoth DTI ratios against conventional, FHA and VA limits.
FHA loan calculatorThe FHA payment with upfront and monthly mortgage insurance.
HELOC payment calculatorThe interest-only payment, the repayment payment, and how far it jumps.
Home affordability calculatorWhat price a lender's debt-to-income limits actually allow.
Home equity loan calculatorHow much you can borrow against your home, and the fixed monthly payment.
Mortgage calculatorThe whole monthly payment, not just principal and interest.
Refinance calculatorHow long until the closing costs pay for themselves.
Rent affordability calculatorYour rent ceiling under three common rules, and which one binds.
Rental property calculatorCash flow, cap rate and cash-on-cash return on a rental.
VA loan calculatorYour VA payment with the funding fee and no mortgage insurance.

APR calculatorThe real rate once the fees are financed into the loan.
Auto lease calculatorA lease payment split into depreciation, rent charge and tax.
Auto loan calculatorThe payment once tax, fees and a trade-in are in the price.
Credit card payoff calculatorHow long a balance takes to clear, and what the minimum costs.
Loan calculatorThe payment, the total interest and the date it is gone.
Personal loan calculatorThe payment, the cash you really get and the true APR once the fee is counted.

CD calculatorWhat a CD pays at maturity, and what breaking it early costs.
Compound interest calculatorWhat a balance becomes, and how much of it is growth.
Inflation calculatorWhat a sum will be worth after years of rising prices.
Investment calculatorContributions, growth and tax, each kept separate.
Savings goal calculatorThe monthly amount that reaches a target on time.

401(k) calculatorWhat your 401(k) grows to, with the employer match counted.
Annuity payout calculatorThe level monthly income a lump sum pays over a set number of years or over IRS life expectancy.
Retirement calculatorWhether the balance gets there, and what it pays out.
RMD calculatorWhen your required minimum distributions start and how much to take each year.
Roth IRA calculatorWhat a Roth IRA grows to, within the 2026 limits for your income.
Traditional IRA calculatorHow much of a traditional IRA contribution you can deduct in 2026, and the tax it saves.

Hourly to salary calculatorAn hourly wage as a yearly salary, or back, before and after tax.
Raise after tax calculatorWhat a raise adds after tax, and which bracket it lands in.
Take-home pay calculatorWhat a salary pays after federal tax, FICA, state tax and 401(k).

Side-by-side answers to “should I do this or that?”

15-year vs. 30-yearWhether the shorter term beats the longer one plus investing.
Biweekly vs. monthly extraWhether biweekly payments beat simply paying a bit more.
Down payment calculatorFour down payments on one home, compared side by side.
Mortgage payoff vs. investThe return an investment must beat to top paying the house off.
Mortgage pointsBuy points, or put the same cash toward the down payment?
Recast vs. refinance vs. extraThree ways to put a lump sum against a mortgage, compared.
Rent vs. buyHow long you have to stay before buying comes out ahead.

Balance transfer breakevenWhether the fee is cheaper than the interest it avoids.
Car loan payoff vs. investThe return an investment must beat to top clearing the loan.
Cash back vs low APRWhether the dealer rebate or the promotional rate costs less.
Consolidation vs. paying directWhether one loan beats paying the cards down directly.
Snowball vs. avalancheWhich order clears your debts faster, and by how much.
Emergency fund vs. debtCash in reserve or a smaller balance: which comes first.
Savings vs. debt paydownWhether savings interest beats the rate you are paying.
Student loan payoff vs. forgivenessPaying in full against waiting for a forgiven balance.

401(k) loan vs. withdrawalSee whether borrowing from your 401(k) or withdrawing early leaves you better off.
401(k) match vs. debtWhether the employer match beats clearing expensive debt.
Pension lump sum vs annuityWhether a pension lump sum can pay you as much, for as long, as the monthly payments.
Social Security claiming ageThe age at which waiting to claim Social Security starts to pay more.

What you are trusting

How this is worked out — the modelling choices, what is deliberately left out, and how corrections are handled.