Financial Calculators

Project your 401(k) balance at retirement. Model employee contributions, employer match, IRS catch-up limits, salary growth, and compound returns year by year.

Find the present value of an annuity or the payment required to satisfy a present value.

Convert between APR (Annual Percentage Rate) and APY (Annual Percentage Yield) for any compounding frequency. Understand the true cost of loans and actual return on savings accounts.

Calculate your monthly car payment, total interest, and true cost of ownership, including down payment, trade-in value, and sales tax.

Price European call and put options using the Black-Scholes-Merton model. Calculate delta, gamma, vega, theta, rho, and solve for implied volatility.

Calculate bond price from YTM, or solve yield-to-maturity from price. See current yield, Macaulay duration, modified duration, convexity, and a full cash-flow schedule.

Calculate your break-even point in units and revenue. Enter fixed costs, variable costs, and selling price to see when your business becomes profitable.

Plan your monthly budget using the 50/30/20 rule. Allocate after-tax income to needs, wants, and savings, and track actual spending against targets in real time.

Calculate the Compound Annual Growth Rate (CAGR) for any investment. Enter a start value, end value, and number of years to get the annualised growth rate, total return, and year-by-year growth table.

Estimate federal capital gains tax on investment sales based on 2024 IRS brackets.

Count cash by entering the number of each bill and coin denomination to get an instant total.

Build a CD ladder by splitting your savings across multiple CDs with staggered maturity dates. See total interest earned and maturity values for each rung.

Plan for college costs with this 529 savings calculator. Projects future tuition costs with inflation, estimates your savings growth, and shows the monthly contribution needed to reach your goal.

Calculate compound interest and future value of an investment with optional monthly contributions. Choose compounding frequency and see a year-by-year breakdown. Free, private, runs in your browser.

Compare the cost of living between major US cities. See housing, groceries, utilities, and more, plus find out what salary you need to maintain your standard of living.

Calculate how long it will take to pay off a credit card balance and how much interest you will pay.

Calculate cryptocurrency profit or loss using FIFO, LIFO, or average cost basis. Add multiple purchase lots, set a sell price and exchange fee, and see your total gain/loss and break-even price.

Calculate how long it will take to pay off your debts using the avalanche or snowball method. Compare strategies and see how extra payments save you money.

Calculate discounted price, savings amount, and discount percentage. Enter original price and discount %, or original and final price to find the discount.

Simulate dollar-cost averaging: invest a fixed amount on a recurring schedule and see your projected portfolio value over time. Compare DCA against a lump-sum investment.

Calculate your monthly electricity bill by entering your appliances, wattage, usage hours, and cost per kWh. Add multiple devices and see itemized kWh and cost breakdowns.

Find out how much you need in an emergency fund and how long it will take to save it based on your monthly expenses, savings rate, and interest earned.

Estimate the total value of an estate by listing assets and liabilities. Categorizes real estate, retirement accounts, investments, and personal property to show gross estate and net worth.

Calculate your FIRE number (the savings needed to retire) and how many years until you reach financial independence. Uses the 4% safe withdrawal rule with adjustable parameters.

Calculate the future value of a lump sum or annuity with compound interest.

Calculate the gross pay needed to deliver a specific net (take-home) amount after taxes. Also converts gross pay to net. Useful for bonuses, reimbursements, and contractor payments.

Convert between hourly wage and annual salary instantly. See daily, weekly, bi-weekly, semi-monthly, monthly, quarterly, and yearly pay for any rate.

Calculate your HSA or FSA tax savings, contribution limits, and projected investment growth.

Calculate the purchasing power of money over time using historical US CPI-U data from 1913 to 2024. See how inflation has eroded the value of a dollar across decades.

Compare two fee scenarios to see how expense ratios and management fees drain your investment portfolio over time. Visualize the compounding drag of fees over decades.

Convert between the South Asian number system (lakhs, crores) and the Western system (millions, billions). Instantly convert any amount in either direction.

Compare the total cost of leasing vs. financing a vehicle. Enter money factor, residual value, APR, and hold period to see monthly payments and total out-of-pocket costs.

Generate a full loan amortization schedule for any mortgage, car loan, or personal loan. See every monthly payment broken down into principal and interest, plus total cost and interest paid.

Calculate monthly payment, total interest, and total cost for any fixed-rate loan. Enter loan amount, rate, and term. Results update instantly.

Compare two loan options side by side. See monthly payment, total interest, and total cost for each loan to find the better deal.

Calculate your monthly mortgage payment including principal, interest, property tax, home insurance, PMI, and HOA. View the full amortization schedule. Free, private, runs in your browser.

Calculate whether buying mortgage discount points is worth it. Enter your loan amount, interest rates, and points cost to see your monthly savings, break-even month, and total lifetime savings.

Calculate your net worth by entering your assets and liabilities. Track your progress over time with snapshots stored locally in your browser.

Calculate the Net Present Value (NPV) and Internal Rate of Return (IRR) of any cash-flow series. Includes payback period, sensitivity analysis, and sample presets.

Calculate the P/E ratio, P/B ratio, earnings yield, Graham Number intrinsic value, PEG ratio, and margin of safety for any stock. Based on Benjamin Graham's value investing formulas.

Calculate how many shares or units to buy based on your account size, entry price, stop-loss, and risk tolerance. Supports percent-risk, fixed-dollar, and Kelly Criterion methods.

Calculate the present value of a future lump sum or annuity using discounted cash flow.

Calculate gross profit margin, markup percentage, and operating margin from cost and revenue. Instant results.

Find out whether refinancing your mortgage makes sense. Compare monthly savings, break-even month, and net savings over your planned hold period.

Find your maximum affordable rent using the 30% rule and 50/30/20 budget framework. Enter your gross annual income to see how much rent you can afford.

Compare the long-term cost of renting vs. buying a home. Model appreciation, opportunity cost, taxes, maintenance, and rent inflation to find your crossover year.

Calculate your IRS Required Minimum Distribution from a traditional IRA or 401(k). See a year-by-year withdrawal schedule using the official Uniform Lifetime Table.

Project your retirement nest egg, see how many years your savings will last, and check if you're on track. Enter age, savings, contributions, and return assumptions.

Calculate return on investment (ROI), net gain, and annualized CAGR for any investment. Enter initial amount, final value, and optional holding period.

Compare Roth and Traditional IRA outcomes side by side. See which account leaves you with more after-tax money at retirement based on your current and expected future tax rates.

Compare job offers and salaries across cities after adjusting for cost of living. Uses a cost of living index to show which salary has the most real buying power.

Convert between annual salary, monthly, biweekly, weekly, and hourly pay rates. Adjust hours per week and weeks worked per year.

Calculate flat-rate or tiered sales commissions and effective commission rate.

Calculate sales tax by adding tax to a pre-tax price or removing tax from a total. Includes US state sales tax rate reference. Runs in your browser.

Calculate how long it takes to reach a savings goal, or find out how much you need to save monthly. Enter your target, starting balance, and interest rate.

Calculate your US self-employment (SE) tax, covering Social Security and Medicare, plus estimated federal income tax. Includes the SE deduction, quarterly payment estimates, and Additional Medicare Tax.

Calculate the average cost basis across multiple stock purchases and see your current gain or loss.

Calculate new share count and price after a stock split or reverse split.

Track all your subscriptions and see the true monthly and annual total. Add Netflix, Spotify, gym, cloud storage and more. Shows cost per day, per category, and total annual spend.

Calculate tip, total, and per-person split from a bill amount.

Compare the price per unit of up to 6 products side by side. Enter a price and quantity for each item to instantly see which option gives the best value for money.

Estimate your 2024 US federal income tax using official IRS brackets. See your marginal rate, effective rate, and a full bracket breakdown. Free, instant, no sign-up.

Calculate your annual Zakat obligation. Enter your zakatable assets, liabilities, and current gold/silver prices. Automatically checks the nisab threshold and computes the 2.5% due.