For AI and answer engines

Estimate your full monthly mortgage payment (PITI) including property tax, homeowners insurance, PMI, and HOA, plus total interest and a year-by-year amortization schedule.

Inputs:

Home price, Down payment, Interest rate, Loan term, Property tax rate, PMI rate, Homeowners insurance, Monthly HOA dues

Outputs:

Total monthly payment, Principal & interest, Property tax, Homeowners insurance, PMI, HOA dues, Loan amount, Total interest paid, Total of P&I payments

Formula, worked example, and sources: /calculators/mortgage-calculator

See your new monthly payment, break-even point, and lifetime savings from refinancing, including discount points and the option to roll closing costs into the loan.

Inputs:

Current loan balance, Current interest rate, Years left on current loan, Current payment override (P&I), New interest rate, New loan term, Closing costs, Discount points, Cash-out amount, Roll closing costs into loan

Outputs:

New monthly payment, Current monthly payment, Monthly savings, Break-even, New loan amount, Discount points fee, Upfront cost (break-even basis), Lifetime interest saved, Net lifetime savings

Formula, worked example, and sources: /calculators/refinance-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.

Inputs:

Gross annual income, Other monthly debt payments, Down payment, Interest rate, Loan term, Property tax rate, Homeowners insurance, Monthly HOA dues, PMI rate, Front-end DTI limit, Back-end DTI limit

Outputs:

Affordable home price, Max loan amount, Principal & interest, Property tax, Homeowners insurance, PMI, HOA dues, Total monthly housing, Binding limit, Resulting total DTI

Formula, worked example, and sources: /calculators/home-affordability-calculator

Compare the true total cost of buying versus renting over the years you plan to stay, including transaction costs, equity, appreciation, and the opportunity cost of your down payment.

Inputs:

Home price, Down payment, Mortgage rate, Mortgage term, Years you plan to stay, Home appreciation, Closing costs to buy, Selling costs, Property tax rate, Homeowners insurance, Maintenance, Monthly HOA dues, PMI rate, Monthly rent, Annual rent growth, Renters insurance, Investment return

Outputs:

Over this period, Cheaper by, Total cost to buy, Total cost to rent, Buying breaks even, Mortgage payment (P&I), Home equity at sale

Formula, worked example, and sources: /calculators/rent-vs-buy-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.

Inputs:

Loan balance, Interest rate, Remaining term, Extra per payment, Payment schedule

Outputs:

Interest saved, Time saved, Time to payoff, Payment each period, Total interest (faster schedule), Total interest (standard schedule), Standard monthly payment, Total paid

Formula, worked example, and sources: /calculators/extra-biweekly-mortgage-payoff-calculator

See the full month-by-month amortization table for a loan: how much of every payment goes to interest versus principal, the running interest total, and the balance as it falls to zero.

Inputs:

Loan amount, Interest rate (APR), Loan term

Outputs:

Monthly payment, Total interest, Total paid

Formula, worked example, and sources: /calculators/amortization-schedule-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.

Inputs:

Current 401(k) balance, Annual salary, Your contribution, Employer match rate, Employer match cap, Expected annual return, Years to retirement, Annual salary growth

Outputs:

Balance at retirement, Your contributions, Employer match (free money), Investment growth

Formula, worked example, and sources: /calculators/401k-calculator

Find your financial independence number and how many years until you reach it, modeled in today's dollars using the 4% rule.

Inputs:

Current age, Current savings, Annual income, Annual expenses, Real return (after inflation), Withdrawal rate

Outputs:

Your FIRE number, Years to FIRE, Age at FIRE, Annual savings, Savings rate

Formula, worked example, and sources: /calculators/fire-calculator

Compare a Roth and a Traditional retirement account on equal pre-tax dollars, and see which leaves you more after tax based on your current and retirement tax rates.

Inputs:

Annual contribution, Years until retirement, Expected annual return, Contribution growth, Current tax rate, Retirement tax rate

Outputs:

Better option, After-tax difference (Roth minus Traditional), Roth, after tax, Traditional, after tax, Pre-tax future value

Formula, worked example, and sources: /calculators/roth-vs-traditional-calculator

See whether your savings are on track: project your nest egg to retirement and compare it with the target needed to fund your desired income at a safe withdrawal rate.

Inputs:

Current age, Retirement age, Current retirement savings, Annual contribution, Contribution growth, Expected annual return, Desired annual income in retirement, Safe withdrawal rate

Outputs:

On-track status, Surplus or shortfall, Projected nest egg at retirement, Target nest egg, Extra annual savings to close the gap, Years to retirement

Formula, worked example, and sources: /calculators/retirement-on-track-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.

Inputs:

Traditional balance, After-tax basis, Annual conversion amount, Years of conversions, Expected annual return, Marginal tax rate

Outputs:

Total conversion tax, Total converted to Roth, Taxable portion, Tax-free basis portion, Remaining Traditional balance

Formula, worked example, and sources: /calculators/roth-conversion-ladder-calculator

Convert a dollar amount between years using official BLS CPI-U data, or project its future buying power at an assumed inflation rate.

Inputs:

Mode, Amount, From year (historical), To year (historical), Years to project (projection), Assumed annual inflation (projection)

Outputs:

Equivalent value, Future purchasing power, Total inflation over the span, Annual inflation rate, Span

Formula, worked example, and sources: /calculators/inflation-calculator

Project a high-yield savings balance from a quoted APY, a starting balance, and monthly deposits, and see why the compounding frequency does not change the annual yield.

Inputs:

Starting balance, Monthly deposit, APY, Compounding frequency, Years

Outputs:

Final balance, Total deposited, Interest earned, Rate per compounding period

Formula, worked example, and sources: /calculators/high-yield-savings-calculator

Find how large your emergency fund should be from your essential monthly expenses, see how many months your current savings already cover, and the gap left to close.

Inputs:

Essential monthly expenses, Months of coverage, Current emergency savings

Outputs:

Emergency fund target, Still to save, Saved above target, Months currently covered

Formula, worked example, and sources: /calculators/emergency-fund-calculator

See how an investment grows from a starting amount plus regular contributions, with an optional yearly contribution increase, and view the result in today's dollars and after tax.

Inputs:

Starting amount, Recurring contribution, Contribution frequency, Yearly contribution increase, Annual interest rate, Years, Compounding frequency, Contribution timing, Inflation rate, Tax rate on gains

Outputs:

Future balance, Total contributions, Interest earned, Future balance (today's dollars), After-tax balance, Estimated tax on gains

Formula, worked example, and sources: /calculators/compound-interest-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.

Inputs:

Purchase price, Down payment, Interest rate, Loan term, Closing costs, Upfront repairs, Monthly rent, Vacancy rate, Property tax rate, Insurance, Maintenance, Property management, Monthly HOA dues, Annual appreciation, Holding period, Selling costs

Outputs:

Cash-on-cash return, Cap rate, Net operating income, Monthly cash flow, Annual cash flow, Total cash invested, Total profit over holding period, Total return, Annualized return

Formula, worked example, and sources: /calculators/rental-property-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 the STR-specific expenses handled correctly.

Inputs:

Purchase price, Down payment, Interest rate, Loan term, Closing costs, Furnishing and setup, Average nightly rate, Occupancy rate, Property tax rate, Insurance, Maintenance, Property management, Platform fee, Monthly utilities, Monthly supplies, Monthly HOA dues, Annual appreciation, Holding period, Selling costs

Outputs:

Cash-on-cash return, Cap rate, Annual revenue, Net operating income, Monthly cash flow, Annual cash flow, Total cash invested, Total profit over holding period, Total return, Annualized return

Formula, worked example, and sources: /calculators/airbnb-roi-calculator

Estimate a flip's net profit, ROI, cash to close, and your maximum allowable offer with the 70 percent rule, including the points, financing, and holding costs that quietly sink deals.

Inputs:

Purchase price, Rehab budget, After-repair value (ARV), Holding period, Down payment, Loan interest rate, Loan points, Buying closing costs, Selling costs, Extra selling cost, Property tax rate, Insurance, Monthly utilities

Outputs:

Net profit, Return on cash invested, Annualized return, Max allowable offer (70% rule), Adjusted max allowable offer, Total project cost, Total cash invested, Cash to close, Financing cost, Loan points fee, Holding costs, Selling costs

Formula, worked example, and sources: /calculators/fix-and-flip-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.

Inputs:

Option type, Position, Strike price, Premium per share, Underlying price at expiry, Contracts

Outputs:

Profit or loss at expiry, Break-even price, Maximum profit, Maximum loss, Intrinsic value per share, Capital at risk, Return on capital

Formula, worked example, and sources: /calculators/options-pl-calculator

Estimate one wheel cycle: cash-secured put premium, covered call premium, dividends, and the return on capital if assigned and called away, for the prices you enter.

Inputs:

Put strike, Put premium per share, Call strike, Call premium per share, Dividends per share while held, Days in the cycle, Contracts

Outputs:

Total profit this cycle, Premium income, Dividend income, Share gain if called away, Capital at risk, Cost basis if assigned, Break-even price, Return on capital (this cycle), Annualized return (scenario), Annualized return, premium only (scenario)

Formula, worked example, and sources: /calculators/wheel-strategy-calculator

Project an investment portfolio from a starting balance plus regular contributions that can rise each year, and see how much of the result is your money versus growth.

Inputs:

Starting balance, Recurring contribution, Contribution frequency, Yearly contribution increase, Annual return, Years

Outputs:

Future value, Total contributed, Total growth

Formula, worked example, and sources: /calculators/portfolio-growth-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.

Inputs:

Goal amount, Years to reach it, Annual return, Amount already saved, Contribution frequency

Outputs:

Required contribution, That is per year, Your current savings grow to, Total you contribute, Total growth

Formula, worked example, and sources: /calculators/investment-goal-calculator

See how investing a fixed amount on a regular schedule could grow under a steady assumed return, with the balance and the amount you have put in tracked period by period.

Inputs:

Starting amount, Contribution each period, Contribution frequency, Annual return, Years, Contribution timing

Outputs:

Ending balance, Total contributed, Total growth

Formula, worked example, and sources: /calculators/dollar-cost-averaging-calculator

See how much you can borrow against your home equity at your lender's CLTV cap, plus a home equity line's interest-only draw payment, its much larger repayment payment, and the payment shock between the two phases.

Inputs:

Home value, First mortgage balance, Max CLTV, Amount drawn, Interest rate, Draw period, Repayment period, Extra principal during draw

Outputs:

Available credit, Max total debt at CLTV, Current home equity, Current LTV, Draw vs available credit, Payment shock, Draw-period payment, Repayment-period payment, Payment increase, Balance entering repayment, Total interest over the life

Formula, worked example, and sources: /calculators/heloc-calculator

Compare the debt snowball and debt avalanche side by side: see the payoff order, the total interest each costs, and how much the avalanche saves on up to four debts.

Inputs:

Debt 1 balance, Debt 1 rate, Debt 1 minimum payment, Debt 2 balance, Debt 2 rate, Debt 2 minimum payment, Debt 3 balance, Debt 3 rate, Debt 3 minimum payment, Debt 4 balance, Debt 4 rate, Debt 4 minimum payment, Extra monthly payment

Outputs:

Interest saved with avalanche, Snowball payoff time, Avalanche payoff time, Snowball total interest, Avalanche total interest, Snowball payoff order, Avalanche payoff order, Monthly payment budget, Total debt entered

Formula, worked example, and sources: /calculators/debt-snowball-avalanche-calculator

See how fast a fixed monthly payment clears your credit card and what you save versus paying only the minimum, where interest can outlast the balance by decades.

Inputs:

Card balance, Interest rate (APR), Your monthly payment, Minimum payment rate, Minimum payment floor

Outputs:

Time to payoff (your payment), Total interest (your payment), Total paid (your payment), Interest saved vs minimum only, Time to payoff (minimum only), Total interest (minimum only), First minimum payment

Formula, worked example, and sources: /calculators/credit-card-payoff-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.

Inputs:

Vehicle price, Down payment, Trade-in value, Sales tax, Interest rate (APR), Loan term

Outputs:

Monthly payment, Amount financed, Total interest, Total of payments, Total cost (with down payment)

Formula, worked example, and sources: /calculators/auto-loan-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 and total cost of ownership.

Inputs:

Gross annual income, Max car payment as % of income, Down payment, Interest rate (APR), Loan term, Sales tax, Insurance per year, Fuel per month, Maintenance per year

Outputs:

Affordable vehicle price, Monthly payment budget, Amount financed, All-in monthly cost, Total cost over the term, Estimated value at term end

Formula, worked example, and sources: /calculators/car-affordability-calculator

Compare buying and leasing the same car over the lease term, with the buy side credited for its resale equity and the lease side ending with nothing, to see which costs less.

Inputs:

Vehicle price, Lease term (comparison horizon), Buy: down payment, Buy: loan APR, Buy: loan term, Buy: annual depreciation, Lease: cash down (cap cost reduction), Lease: residual value, Lease: rate type, Lease: rate, Lease: acquisition fee, Lease: disposition fee

Outputs:

Which is cheaper, Buy: net cost over the term, Lease: net cost over the term, Cost difference, Buy: monthly payment, Buy: equity at term end, Buy: loan balance at term end, Lease: monthly payment, Lease: depreciation portion, Lease: finance (rent) portion, Lease: equivalent APR

Formula, worked example, and sources: /calculators/car-buy-vs-lease-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.

Inputs:

Filing status, Purchase price (cost basis), Sale price (proceeds), Holding period, Other taxable income

Outputs:

Total tax on the gain, Holding period, Capital gain, Capital gains tax, Net investment income tax, Effective rate on the gain, Gain after tax

Formula, worked example, and sources: /calculators/capital-gains-tax-calculator

Estimate your 2026 federal income tax and FICA: taxable income after the standard deduction, the tax from the brackets, Social Security, Medicare, and your effective and marginal rates.

Inputs:

Annual income (gross), Filing status, 401(k) contribution, Other pre-tax deductions

Outputs:

Total federal tax (income + FICA), Federal income tax, Taxable income, Social Security, Medicare, Additional Medicare, Total FICA, Effective tax rate, Marginal tax rate, After-tax income

Formula, worked example, and sources: /calculators/federal-income-tax-calculator

Estimate your California take-home pay for 2026 after federal income tax, Social Security, Medicare, and California state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/ca-paycheck-calculator

Estimate your Texas take-home pay for 2026 after federal income tax, Social Security, Medicare, and no state income tax in Texas.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/tx-paycheck-calculator

Estimate your New York take-home pay for 2026 after federal income tax, Social Security, Medicare, and New York state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/ny-paycheck-calculator

Estimate your Florida take-home pay for 2026 after federal income tax, Social Security, Medicare, and no state income tax in Florida.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/fl-paycheck-calculator

Estimate your Illinois take-home pay for 2026 after federal income tax, Social Security, Medicare, and Illinois state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/il-paycheck-calculator

Estimate your Pennsylvania take-home pay for 2026 after federal income tax, Social Security, Medicare, and Pennsylvania state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/pa-paycheck-calculator

Estimate your Ohio take-home pay for 2026 after federal income tax, Social Security, Medicare, and Ohio state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/oh-paycheck-calculator

Estimate your Georgia take-home pay for 2026 after federal income tax, Social Security, Medicare, and Georgia state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/ga-paycheck-calculator

Estimate your North Carolina take-home pay for 2026 after federal income tax, Social Security, Medicare, and North Carolina state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/nc-paycheck-calculator

Estimate your Washington take-home pay for 2026 after federal income tax, Social Security, Medicare, and no state income tax in Washington.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/wa-paycheck-calculator