All financial calculators

An auto loan calculator estimates your monthly car payment and the total cost of financing a vehicle. The calculator above does this in seconds. Enter the vehicle price, your down payment, the interest rate (APR), and the loan term to see your numbers. For example, a $35,000 car with $5,000 down at 7.5% APR over 60 months gives a $601.14 monthly payment.

This mortgage calculator estimates the monthly principal and interest (P&I) payment on a home loan and shows the full amortization schedule. Enter your home price, down payment, interest rate, and term in the calculator above to see your number instantly. You can also add property taxes and homeowners insurance to see your full monthly payment, known as PITI (principal, interest, taxes, and insurance) — the number that actually hits your bank account.

A retirement calculator is a free planning tool that projects how much money you'll have saved by a target retirement age and how long that money will last once you start withdrawing it. This one estimates your nest egg from your age, current savings, monthly contribution, and expected return — enter those in the calculator above to see your projected balance. It also shows your balance in today's dollars, so inflation doesn't fool you. For example, a 35-year-old saving $500 a month could reach about $1,097,072 by age 67.

This investment calculator projects how your money could grow over time with a starting balance, regular contributions, and a chosen annual return. Just enter your numbers in the calculator above to see your estimated future balance. For example, $10,000 plus $500 a month at a 7% annual return grows to about $300,851 over 20 years. You put in $130,000, while compounding adds $170,851 in growth.

This portfolio calculator estimates your investment mix's expected return, risk, and long-term growth from how your money is split across stocks, bonds, real estate, and cash. Enter your holdings in the calculator above to see your projected return, volatility, and Sharpe ratio in seconds. The figures use long-run historical averages as model assumptions, so treat them as estimates, not guarantees. Use it to test how shifting your asset mix changes the balance between reward and risk.

The rental property calculator above shows whether a single-family rental is a smart investment. Enter the purchase price, rent, loan terms, and expenses to see cash flow, cap rate, cash-on-cash return, and long-term ROI in seconds. It works for first-time buyers and seasoned landlords alike. The detailed guides below break down each metric so you can read your results with confidence.

This free net worth calculator adds your assets, subtracts your debts, and shows where you stand against Federal Reserve benchmarks. Enter cash, investments, retirement accounts, home equity, and vehicles, then list mortgages, loans, and credit card balances in the calculator above. You will see your total net worth, your [liquid net worth](/net-worth/liquid-net-worth-calculator/), and your debt-to-asset ratio in seconds.

A budget calculator splits your take-home pay across needs, wants, and savings so every dollar has a plan. The calculator above uses the popular 50/30/20 rule — 50% of income to needs, 30% to wants, and 20% to savings and debt payoff — and includes a zero-based mode for budgeting every dollar to zero. Enter your monthly income and spending to see your targets, where you're over, and how much is left to assign. For example, on $5,000 a month after tax, the 50/30/20 rule sets aside $2,500 for needs, $1,500 for wants, and $1,000 for savings.

A tax resolution calculator maps your IRS debt to the specific relief program most likely to work — Offer in Compromise, installment agreement, Currently Not Collectible, penalty abatement, or Innocent Spouse Relief. The calculator above does this in seconds. Enter what you owe, your monthly income, your allowable living expenses, your net asset equity, and whether the debt is joint. For example, someone owing $42,000 with $700 a month of disposable income and $8,000 of equity has an IRS Reasonable Collection Potential of $16,400 — the floor for a viable Offer in Compromise.

An estate planning calculator maps your family and asset situation to the specific documents you need — from a simple will up to a full estate plan with irrevocable trusts. The calculator above does this in seconds using six inputs: state, net worth, marital status, kids, cross-state property, and any special-needs dependents. For a married couple with kids and $850,000 in net worth living in California, the recommendation is a will with guardianship nomination, durable powers of attorney, and healthcare directives — attorney cost $750 to $2,500, or $199 to $299 through online services like Trust & Will or LegalZoom.

A probate calculator estimates the total cost and timeline of probating an estate in your state — attorney fees (statutory in 9 states, reasonable-fee in ~41), executor commission, court filing fees, and any ancillary probate for out-of-state real property. The calculator above applies the actual state fee schedule where one exists: California uses Cal. Prob. Code §10810 (4%/3%/2%/1%/0.5% tiers), Florida uses Fla. Stat. §733.6171 ($1,500 base + tiered percentages), and 7 other states have their own statutes. For a $750,000 moderate California estate, the total probate cost runs about $36,000–$42,000 over 15–30 months — versus $2,025–$6,750 for a revocable living trust that would have avoided probate entirely.

An elder care planning calculator maps your age, assets, income, and long-term care outlook to the specific planning steps that protect assets from a $115,000-per-year median nursing home cost while preserving Medicaid eligibility. The calculator above applies the 2026 federal figures (Community Spouse Resource Allowance $32,532-$162,660, MMMNA minimum $2,644, institutional income cap $2,982/month) and the 60-month lookback under 42 U.S.C. §1396p(c). For a 62-year-old married couple with $550,000 in countable assets and possible LTC needs within 5 years, the recommendation is a Medicaid Asset Protection Trust ($3,000-$6,000 attorney-drafted) funded now — every month of delay compresses the lookback window and shifts assets from protected to countable.

A Trump Account calculator projects how the new $1,000 federal seed, plus the contributions you add each year, could grow by the time your child turns 18. Enter your child's age, the seed, and how much your family (and any employer) adds each year in the calculator above to see the projected value. For example, a newborn's $1,000 seed plus $200 a month at a 7% annual return grows to about $89,657 by age 18 — $44,200 put in and $45,457 in tax-deferred growth.

A 529 savings calculator projects how your college fund grows by the time your child turns 18, and shows whether it will cover the cost of college. Enter your child's age, your current balance, your monthly contribution, and an expected return in the calculator above. For example, starting at $0 and saving $300 a month at a 6% return grows to about $116,206 in 18 years — $64,800 contributed and $51,406 in tax-free growth. Add a college-cost target and the tool also shows your projected coverage and the monthly amount needed to fully fund it.

A Coast FIRE calculator tells you whether the retirement savings you already have will compound into a full retirement nest egg by your target retirement age with zero more contributions. Enter your age, current savings, expected return, and desired retirement spending in the calculator above. For example, a 35-year-old with $150,000 saved, retiring at 65 with a 7% return and a $60,000-a-year spending goal, needs $197,051 invested today to coast — so that saver is not quite there yet and needs to keep contributing.

A business loan payoff calculator shows how much faster you can clear a standard term loan — like an [SBA 7(a)](https://www.sba.gov/funding-programs/loans/7a-loans) or bank loan — by adding extra money to your monthly payment. Enter your remaining balance, rate, remaining term, and any extra amount in the calculator above. For example, a $100,000 balance at 9.5% APR with 60 months left pays off 9 months sooner and saves $4,187 in interest with a $300 extra payment each month.

A personal loan calculator estimates your monthly payment on an unsecured personal loan and, done right, also shows what the loan really costs once fees are counted. Enter your loan amount, interest rate, and term in the calculator above to see your payment instantly. For example, a $15,000 loan at 12.5% APR over 48 months costs $398.70 a month — but if the lender charges a 3% origination fee, you only receive $14,550 up front, which pushes your real effective APR above the stated 12.5% rate.

This mca calculator shows the real cost of a merchant cash advance in seconds. Enter your advance amount, factor rate, and estimated term. The tool returns your total payback, cost of capital, and true effective APR. Here is the default example. A $50,000 advance at a 1.30 factor rate over an estimated 12-month term means a $65,000 total payback. That is $15,000 in cost of capital. Repaid through daily payments of $257.94 (about $5,416.67 per month across 252 payments), the effective APR works out to 54.81%.

This invoice factoring calculator shows exactly how much cash you get now and what a factoring deal really costs. Enter your invoice amount, advance rate, factoring fee, and how fast your customer pays. The tool returns your upfront cash, the reserve held back, total fees, and your true annual cost. For a $100,000 invoice at an 85% advance rate and a 1.5% fee per 30 days, you get $85,000 in cash now and hold a $15,000 reserve. When your customer pays in 45 days, the total factoring fee is $3,000, your $12,000 rebate is released, and your net proceeds are $97,000 — an effective APR of 28.63%.

This business line of credit calculator shows your monthly payment and the true cost of the money you draw. Enter how much you draw, your APR, your repayment term, and any draw fee. A line of credit is revolving, so you pay interest only on the amount you actually draw — not your full credit limit. Draw $50,000 at a 12% APR over 24 months with a 2% draw fee, and your monthly payment is $2,353.67. You pay $6,488.17 in interest plus a $1,000 draw fee. That brings the total cost of the money to $7,488.17, an effective APR of 14.05% once the fee is counted.