Finance Calculators
Money decisions are easier when you can see the arithmetic behind them. These calculators show the full schedule, not just a single figure — the month-by-month split between principal and interest, the total cost over the life of a loan, and what changes when you adjust the rate, the term, or the amount you pay each month.
Every finance tool here runs entirely in your browser. Nothing you type is transmitted, stored, or logged, which matters when the numbers are your salary, your debts, or your savings.
Start with the Mortgage Calculator if you are buying, the Paycheck Calculator to see what a salary actually deposits, or the Credit Card Payoff Calculator to find out what a balance really costs.
Finance tools
- Mortgage CalculatorEstimate your monthly mortgage payment - including taxes, insurance, and PMI - and see exactly how much interest you'll pay over the life of the loan.
- Loan CalculatorCalculate the monthly payment, total interest, and payoff date on any fixed-rate loan - then see the full schedule behind the number.
- Auto Loan CalculatorWork out your real monthly car payment with sales tax, trade-in value, and fees included - not just the sticker price.
- Amortization CalculatorGenerate a complete payment-by-payment schedule for any loan, and see exactly how each payment splits between principal and interest.
- Paycheck CalculatorSee your real take-home pay after federal tax, Social Security, Medicare, state tax, and retirement contributions - for 2026.
- Compound Interest CalculatorSee how savings grow when interest earns interest - with monthly contributions and a year-by-year breakdown of the balance.
- Retirement CalculatorProject what your 401(k) and savings will be worth at retirement, and see how long that balance actually lasts.
- Credit Card Payoff CalculatorFind out how long your credit card balance takes to clear, what the interest costs, and how much faster a bigger payment gets you there.
- Home Affordability CalculatorFind the home price your income actually supports, using the debt-to-income limits lenders apply - and see which limit is binding.
- UK Take-Home Pay CalculatorSee exactly what lands in your bank account each month after income tax, National Insurance, pension and student loan - for England, Wales, Northern Ireland and Scotland.
- Canada Take-Home Pay CalculatorCalculate your net pay after federal tax, provincial tax, CPP and EI - for every province and territory, including Quebec’s separate QPP.
- Australia Take-Home Pay CalculatorWork out your net pay after income tax, the Medicare levy and HECS-HELP - and see whether a salary quoted "including super" is really the better offer.
- Refinance CalculatorSee whether refinancing actually saves you money - the monthly saving, the break-even month, and whether a lower payment is quietly costing you more.
- Debt Payoff CalculatorCompare the snowball and avalanche methods across all your debts at once - see which clears first, what each costs in interest, and when you are free.
- Down Payment CalculatorWork out the cash you need to buy - down payment, closing costs, and how long saving will take - plus what PMI costs at each threshold.
- Savings Goal CalculatorFind out exactly how much to put aside each month to hit a target by a date - and how long your current contribution would actually take.
- ROI CalculatorCalculate return on investment and, more usefully, the annualised return that lets you compare one investment against another.
- Inflation CalculatorSee what money is really worth over time - how much you would need in future to buy what a sum buys today, and how fast purchasing power erodes.
- Salary CalculatorConvert between hourly pay and an annual salary in either direction, with overtime and unpaid weeks accounted for properly.