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Calculators

106 calculators, each with tested math and a plain-language methodology. Search by name or keyword, playbooks included.

Mortgage & Home

Mortgages, refinancing, affordability, and rent-vs-buy decisions.

Mortgage Calculator Estimate your full monthly mortgage payment (PITI) including property tax, homeowners insurance, PMI, and HOA, plus total interest and an amortization schedule. Refinance Calculator See your new monthly payment, break-even point, and lifetime savings from refinancing, including discount points and rolling closing costs into the loan. Home Affordability Calculator Find out how much house you can afford from your income, debts, and down payment, using the standard 28/36 debt-to-income rules and full monthly housing costs. Rent vs Buy Calculator Compare the true total cost of buying versus renting over the years you plan to stay, including transaction costs, equity, appreciation, and opportunity cost. HELOC Calculator See how much you can borrow against your home equity at your lender's CLTV cap, plus the interest-only draw payment and the payment shock at repayment. Extra and Biweekly Mortgage Payoff Calculator See how much interest you save and how many years you cut off your mortgage by adding extra to each payment or switching to a biweekly schedule. Mortgage Amortization Schedule Calculator See the full month-by-month amortization table for a loan: how much of every payment goes to interest versus principal, and the balance as it falls to zero. Seller Net Proceeds Calculator Estimate what you walk away with after selling your home: your sale price minus the mortgage payoff, agent commission, closing costs, and transfer taxes. Buyer Closing Cost Calculator Estimate your buyer closing costs and total cash to close: your down payment plus lender fees, points, title, prepaids, and escrow setup, itemized. Real Estate Commission Calculator Calculate the total real estate commission on a home sale, how it splits between the listing and buyer sides, and the seller's net after the fee. Debt-to-Income (DTI) Calculator Calculate your front-end and back-end debt-to-income ratio and see where you fall against the 28/36 rule and the 43% qualified-mortgage line. How Much Can I Borrow Calculator Estimate the maximum mortgage you qualify for from your income, debts, and DTI limits, with the binding limit and the maximum home price it supports. FHA Loan Calculator Estimate an FHA loan payment including upfront and annual mortgage insurance (MIP), and see whether MIP lasts 11 years or the life of the loan. VA Loan Calculator Estimate a VA loan payment with the VA funding fee, including first-use versus subsequent-use rates, the disability exemption, and no mortgage insurance. Cash-Out Refinance Calculator See how much cash you can pull with a cash-out refinance at your lender's loan-to-value cap, your new monthly payment, and how it compares to your current loan. Mortgage Points Calculator See whether buying mortgage discount points is worth it: the upfront cost, your lower monthly payment, the break-even month, and your net savings. Rent Affordability Calculator Find a comfortable rent budget from your income using the 30 percent rule and the 50/30/20 framework, adjusted for your debts and savings goal. House Poor Risk Calculator See whether a home payment would leave you house poor: your monthly housing cost, the income share it takes, residual income after debts, and a plain verdict. True Cost of Homeownership Calculator Find the all-in monthly and annual cost of owning a home beyond PITI: maintenance, utilities, HOA, and the forgotten lines, versus the mortgage-only number. Property Tax Calculator Estimate your annual and monthly property tax from your home's value and your area's effective rate, with exemptions and a projection as assessments rise. Mortgage Recast Calculator See what a lump sum does to your mortgage payment after a recast, side by side with simply prepaying: new payment, interest saved, and which strategy wins. PMI Removal Calculator Find when PMI can come off your mortgage: the 80% request point and the 78% automatic termination under the Homeowners Protection Act, plus what waiting costs. Mortgage Payoff Calculator Pick the year you want to be mortgage-free and get the exact monthly payment that does it, plus the extra per month and the interest the plan saves. HELOC vs Cash-Out Refinance Calculator Compare borrowing against your home two ways: keep your mortgage and add a HELOC, or refinance everything at today's rate, with the repricing cost in the open. Buy Smaller, Retire Sooner Calculator Compare two home prices honestly: the full monthly carrying gap plus the down-payment gap, invested to retirement, in years of freedom.

Real Estate Investing

Rental, short-term rental, flip, and BRRRR deal analysis before you buy.

Rental Property ROI Calculator Find a long-term rental's cap rate, cash-on-cash return, monthly cash flow, and total return over your holding period, with financing handled correctly. Airbnb ROI Calculator Estimate a short-term rental's cap rate, cash-on-cash return, cash flow, and total return from your nightly rate and occupancy, with STR expenses included. Airbnb Charge-Rate Calculator Find what to charge per night for your short-term rental: a cost floor, a comp-based base rate, weekend and peak premiums, and length-of-stay discounts. Airbnb Startup Cost Calculator Build an itemized, all-in budget to launch a short-term rental: furnishing by room, the soft-cost stack, a contingency, and the operating reserve. Fix and Flip ROI Calculator Estimate a flip's net profit, ROI, cash to close, and your maximum allowable offer with the 70 percent rule, including financing and holding costs. DSCR Loan Calculator Calculate a rental property's debt service coverage ratio (DSCR) from rent and PITIA, and check it against common 1.0 to 1.25 lender thresholds. House Hacking Calculator See how renting out the other unit or rooms offsets your mortgage: net rental income, the percent tenants cover, and your true out-of-pocket housing cost. BRRRR Calculator Model a BRRRR deal end to end: buy, rehab, rent, and cash-out refinance, to see how much cash you pull back out and how much stays in the deal. Cap Rate Calculator Calculate a property's cap rate from net operating income and value, with vacancy and operating-expense inputs, plus the implied value at a target cap rate. Rent vs Sell Calculator Compare keeping and renting your home against selling now and reinvesting the proceeds, with a year-by-year wealth projection and the crossover year. Gross Rent Multiplier Calculator Screen a rental deal fast with the gross rent multiplier, price divided by gross annual rent, with a 1 percent rule check and the implied price at a target GRM. 1031 Exchange Calculator See the tax a 1031 exchange defers on an investment property sale: 25% depreciation recapture, capital gains, and NIIT, plus the reinvestment bar for deferral.

Retirement & FIRE

Retirement saving, 401(k)s, and financial-independence planning.

401(k) Calculator Project your 401(k) balance at retirement from your contributions, the employer match, expected return, and salary growth, including the match as free money. FIRE Calculator Find your financial independence number and how many years until you reach it, modeled in today's dollars using the 4% rule. Roth vs Traditional Calculator Compare a Roth and a Traditional account on equal pre-tax dollars, and see which leaves you more after tax based on your current and retirement tax rates. Retirement On-Track Calculator See whether your savings are on track: project your nest egg to retirement and compare it with the target needed to fund your income at a safe withdrawal rate. Roth Conversion Ladder Calculator Estimate the tax of converting a Traditional balance to Roth over several years, including the pro-rata split when the account holds after-tax basis. Coast FIRE Calculator Find your Coast FIRE number: the amount invested today that grows on its own to your FIRE target by retirement, so you can stop saving for retirement. Net Worth Percentile Calculator See where your net worth ranks among US households, using percentile estimates from the 2022 SCF microdata plus the Federal Reserve median for your age group. RMD Calculator Calculate your 2026 required minimum distribution from the IRS Uniform Lifetime Table, with the SECURE 2.0 start ages (73, or 75 if born 1960 or later). Retirement Calculator Project your retirement savings to any age and see the monthly income they could sustain: contributions, compound growth, and the withdrawal-rate math. Net Worth Calculator Tally your net worth: six asset categories minus five debt categories, with home and non-home wealth separated and your debt-to-asset ratio alongside. Social Security Calculator Estimate your Social Security benefit from career-average earnings and compare claiming at 62, 67, and 70, with the break-even ages that decide the timing. Roth IRA Calculator Project a Roth IRA to retirement with the 2026 limits ($7,500, plus $1,100 at 50) and check your income phase-out eligibility. Liquid Net Worth Calculator See how much of your net worth you could actually spend soon: cash, investments, and penalty-adjusted retirement money, next to the wealth locked in your home. 401(k) Match Calculator See what your employer 401(k) match is really worth by retirement: the deposits, the growth on them, and what skipping the match would forfeit. Childcare vs Retirement Calculator Quantify what pausing, reducing, or maintaining retirement contributions through the childcare years does to your balance at retirement, judgment-free. Social Security COLA Apply the official 2026 COLA of 2.8 percent to your benefit with SSA's real rounding rules, and see the net raise after the Medicare Part B increase.

Saving & Goals

Savings goals, emergency funds, and compound growth.

Inflation Calculator (CPI) Convert a dollar amount between years using official BLS CPI-U data, or project its future buying power at an assumed inflation rate. High-Yield Savings (APY) Calculator Project a high-yield savings balance from a quoted APY, a starting balance, and monthly deposits, and see why compounding frequency does not change the yield. Emergency Fund Calculator Find how large your emergency fund should be from your essential monthly expenses, see how many months your current savings cover, and the gap left to close. Layoff Runway Calculator See how many months your savings last after a layoff from essential spending, severance weeks, unemployment benefits, and side income, plus what extends it. HSA Calculator Project an HSA balance with the 2026 limits ($4,400 self-only, $8,750 family): tax savings now, tax-free growth, and the balance at any horizon. 529 College Savings Calculator Project a 529 balance against the future cost of college: tuition inflation, coverage percent, the shortfall, and the monthly contribution that would fund it. CD Calculator See what a certificate of deposit earns: enter the deposit, APY, and term to get the ending balance, total interest, and month-by-month growth. Savings Calculator Project a savings balance from a starting amount, monthly deposits, and your account's APY: the ending balance, deposits, and interest earned, year by year. Life Insurance Needs Calculator Size life insurance with the DIME method: debts, income replacement, mortgage, and education, minus the coverage and savings you already have. 50/30/20 Budget Calculator Split your monthly take-home pay by the 50/30/20 rule (needs, wants, saving and debt payoff) and compare your actual spending against each target. Opportunity Cost Calculator See what a big purchase costs in future dollars: the same money invested at your return, in today's dollars too, and against a home down payment. Couples Money Checkup The one-income-loss test for two-income households: months of runway if either paycheck stops, your household savings rate, and an honest verdict band. Pay Raise Splitter Split a raise among lifestyle, investing, and debt, after the marginal tax haircut, and see what each leg builds over 10, 20, and 30 years. Stay-at-Home Parent Cost Calculator Price what it would actually cost to replace a stay-at-home parent's work: childcare, housekeeping, meals, driving, and coordination at sourced market rates.

Investing

Compound interest, returns, and long-term investing.

Compound Interest Calculator See how an investment grows from a starting amount plus regular contributions, with an optional yearly contribution increase, in today's dollars and after tax. Options Profit and Loss Calculator Find a single option's profit or loss at expiry, its break-even price, and the maximum profit and loss, for calls and puts, long or short. Wheel Strategy Calculator Estimate one wheel cycle: cash-secured put premium, covered call premium, dividends, and the return on capital if assigned and called away, at your prices. Portfolio Growth Calculator Project an investment portfolio from a starting balance plus regular contributions that can rise each year, and see how much is your money versus growth. Investment Goal Calculator Find how much to invest each month or year to reach a savings goal by a target date, given an assumed return and any amount you have already saved. Dollar-Cost Averaging Calculator See how investing a fixed amount on a regular schedule could grow under a steady assumed return, with the balance and amount invested tracked period by period.

Loans & Debt

Loan payoff, debt paydown, and interest costs.

Debt Snowball vs Avalanche Calculator Compare the debt snowball and debt avalanche side by side: the payoff order, the interest each costs, and how much the avalanche saves on up to four debts. Credit Card Payoff Calculator See how fast a fixed payment clears your credit card and what you save versus paying only the minimum, where interest can outlast the balance by decades. Student Loan Payoff Calculator See how extra monthly payments shorten your student loan payoff and cut total interest, with the months and interest you save versus paying the minimum. Personal Loan Calculator Price a personal loan: monthly payment, total interest, and the origination fee handled both ways lenders charge it, deducted from proceeds or financed on top. Debt Consolidation Calculator Compare a consolidation loan against your current debts: interest saved or lost, the payment change, and the blended APR you are actually paying today. RAP Student Loan Calculator Estimate your Repayment Assistance Plan payment from AGI and dependents, then project the loan to payoff or forgiveness with RAP's waiver and match. Balance Transfer Calculator Price a 0 percent balance transfer honestly: the payment that clears it inside the promo, the fee break-even, and the balance left when the promo dies.

Auto & Car Loans

Car loans, buy-vs-lease decisions, and how much vehicle you can afford.

Auto Loan Calculator Estimate a car loan's monthly payment, total interest, and total cost from the price, your down payment and trade-in, the sales tax, the rate, and the term. Car Affordability Calculator Estimate how much car you can afford from your income, down payment, rate, term, and a payment-to-income guideline, then see the all-in monthly cost. Car Buy vs Lease Calculator Compare buying and leasing the same car over the lease term, with the buy side credited for its resale equity and the lease ending with nothing. EV vs Gas Savings Calculator Compare EV and gas costs: cost per mile at your electricity and gas prices, annual and five-year savings, and the purchase premium those savings justify.

Taxes

Federal income tax, capital gains, and home-sale tax estimates.

Capital Gains Tax Calculator Estimate the 2026 federal tax on an investment gain: long-term 0/15/20 percent rates, short-term ordinary rates, and the 3.8 percent net investment income tax. Federal Income Tax Calculator Estimate your 2026 federal income tax and FICA: taxable income after the standard deduction, tax from the brackets, and your effective and marginal rates. Home Sale Capital Gains Calculator Estimate the 2026 federal tax on selling your primary home after the Section 121 exclusion: adjusted basis, taxable gain, and long-term capital gains tax. Tax Refund Calculator Estimate your 2026 federal tax refund or balance due: brackets, standard or itemized deduction, the Child Tax Credit, and your withholding, line by line. Self-Employment Tax Calculator Estimate 2026 taxes on 1099 income: the 15.3% self-employment tax, the half-SE deduction, the 20% QBI deduction, federal income tax, and what to set aside. Bonus Tax Calculator See what a bonus pays after withholding in 2026: the flat 22% federal supplemental rate (37% above $1M), Social Security and Medicare, and your state's rate. Quarterly Estimated Tax Calculator Turn your expected 2026 tax into four safe-harbor payments: the 90% and 100/110% rules, your withholding credit, and the exact 1040-ES deadlines. Tax Loss Harvesting Calculator Price a harvested loss: gains offset in the IRS netting order, the $3,000 ordinary-income deduction, the carryforward, and a wash-sale window check.

Paycheck & Take-Home Pay

Take-home pay by state after federal income tax, FICA, and state tax.

Paycheck Calculator Estimate your take-home pay by state after federal income tax, FICA, and state tax. 10 states Salary Calculator Convert an annual salary to take-home pay for 2026: federal income tax, Social Security and Medicare, a flat state rate, and net pay per paycheck and month. Hourly Paycheck Calculator Convert an hourly wage to annual salary and 2026 take-home pay: gross per week, month, and year, taxes withheld, and what each worked hour really pays. Overtime Pay Calculator Compute time-and-a-half earnings and the no-tax-on-overtime deduction: the FLSA premium, the $12,500/$25,000 cap, the income phase-out, and your tax savings. Severance Pay Calculator Estimate a severance package and what survives withholding: weeks per year of service, the 22% supplemental rate, FICA, and the net amount to plan around.