All financial calculators

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

This mortgage calculator estimates your monthly principal and interest (P&I) payment and shows the full amortization schedule for your home loan. Enter your home price, down payment, interest rate, and term in the calculator above to see your number instantly. You can also include 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 estimates how much money you'll have saved by your target retirement age and how long those savings will last once you begin making withdrawals. Enter your age, current savings, monthly contribution, and expected return 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 have about $1,097,072 by age 67.

This investment calculator shows how your money could grow over time based on your starting balance, regular contributions, and chosen annual return. Enter your numbers above to see your estimated future balance. For example, if you start with $10,000 and contribute $500 a month at a 7% annual return, your balance grows to about $300,851 over 20 years. You put in $130,000, and compounding adds $170,851 in growth.

This portfolio calculator estimates your investment mix's expected return, risk, and long-term growth based on how your money is divided among stocks, bonds, real estate, and cash. Enter your holdings above to see your projected return, volatility, and Sharpe ratio in seconds. The figures are based on long-run historical averages used as model assumptions, so treat them as estimates, not guarantees. Use the calculator to see how changes to your asset mix affect the balance between risk and reward. It models only an unleveraged mix. If you're borrowing against the account itself, see our guide to [portfolio margin and leverage](/guides/portfolio-margin-and-leverage-explained/) to understand how that risk works instead.

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

Use this free net worth calculator to add up your assets, subtract your debts, and see how you compare with Federal Reserve benchmarks. In the calculator above, enter your cash, investments, retirement accounts, home equity, and vehicles, then add your mortgages, loans, and credit card balances. In seconds, you will see your total net worth, your [liquid net worth](/net-worth/liquid-net-worth-calculator/), and your debt-to-asset ratio.

A budget calculator gives every dollar a plan by dividing your take-home pay among needs, wants, and savings. The calculator above uses the popular 50/30/20 rule: 50% of income goes to needs, 30% to wants, and 20% to savings and debt payoff. It also 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 you have left to assign. For example, if you take home $5,000 a month after tax, the 50/30/20 rule allocates $2,500 to needs, $1,500 to wants, and $1,000 to savings.

A tax resolution calculator matches your IRS debt with 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. Just enter how much you owe, your monthly income, your allowable living expenses, your net asset equity, and whether the debt is joint. For example, if someone owes $42,000, has $700 a month in disposable income, and has $8,000 in equity, their IRS Reasonable Collection Potential is $16,400, the floor for a viable Offer in Compromise.

An estate planning calculator uses your family and asset situation to identify the specific documents you need, from a simple will to a full estate plan with irrevocable trusts. The calculator above gives you a recommendation in seconds based on 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, it recommends a will with guardianship nomination, durable powers of attorney, and healthcare directives. The attorney cost is $750 to $2,500, compared with $199 to $299 through online services like Trust & Will or LegalZoom. For the full document checklist, help with the DIY-vs-attorney decision, and the right order to tackle everything, see our [first-time estate planning guide](/guides/first-time-estate-planning/).

A probate calculator estimates how much it will cost (and how long it will take) to probate an estate in your state. That includes attorney fees (statutory in 9 states and reasonable-fee in ~41), executor commission, court filing fees, and any ancillary probate required for out-of-state real property. Where an actual state fee schedule exists, the calculator above applies it. California follows Cal. Prob. Code §10810, with 4%/3%/2%/1%/0.5% tiers. Florida follows Fla. Stat. §733.6171, with a $1,500 base plus tiered percentages. Another 7 states have their own statutes. For a moderate California estate valued at $750,000, the total probate cost runs about $36,000 to $42,000 over 15 to 30 months. By comparison, a revocable living trust that would have avoided probate entirely costs $2,025 to $6,750.

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

A Trump Account calculator shows how the new $1,000 federal seed, along with the contributions you make each year, could grow by the time your child turns 18. Enter your child's age, the seed amount, and the annual contributions from your family and any employer 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 shows how much your college fund could grow by the time your child turns 18 and whether it will cover the cost of college. In the calculator above, enter your child's age, current balance, monthly contribution, and expected return. For example, starting with $0 and saving $300 a month at a 6% return grows to about $116,206 over 18 years, $64,800 in contributions and $51,406 in tax-free growth. Add a college-cost target, and the tool will also show your projected coverage and the monthly amount needed to fully fund it.

A Coast FIRE calculator shows whether your current retirement savings will grow into a full retirement nest egg by your target retirement age without any additional 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 who plans to retire at 65, expects a 7% return, and wants to spend $60,000 a year needs $197,051 invested today to coast. That saver is not quite there yet and needs to keep contributing.

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

A personal loan calculator estimates your monthly payment on an unsecured personal loan. When used correctly, it also shows the loan's true cost after fees. 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 per month. But if the lender charges a 3% origination fee, you receive only $14,550 up front, pushing your real effective APR above the stated 12.5% rate.

An interest per day calculator shows how much interest a balance earns (or how much a loan costs) in a single day. Enter a balance and its annual rate above to instantly see the daily, weekly, and monthly dollar amounts. For example, $10,000 at a 4.5% annual rate earns about $1.23 a day, $8.63 a week, and $36.99 over a 30-day month. Most day-rate tools stop there. This one also shows the effective annual yield (APY) when that daily rate compounds daily, the number that actually appears in your account balance a year later.

A taxable vs. tax-deferred calculator compares how much your money could grow in a regular brokerage account and a tax-deferred account, such as a traditional 401(k) or IRA, using the same starting balance, contributions, and return. Enter your numbers above to see the final balances side by side. For example, if you start with $10,000 and add $6,000 a year for 25 years at a 7% return, taxed at 24%, the tax-deferred account ends up meaningfully larger than the taxable one, even though it owes a bigger one-time tax bill at the end.

A credit card payoff calculator shows how long it will take to clear a balance and how much interest you'll pay, based on your APR and monthly payment. Enter your balance and APR in the calculator above, along with either a monthly payment or a target payoff date. For example, a $6,000 balance at 24% APR, paid at $250 a month, is paid off in 34 months and costs $2,255.61 in interest. The calculator also automatically shows the minimum-payment-only path. With the same balance and rate, making minimum payments alone takes 252 months (about 21 years) and costs $10,886.92 in interest. That's over $8,600 more than the $250-a-month plan for the same starting balance.

This IUL calculator projects an indexed universal life (IUL) policy year by year, showing what the cap and the cost of insurance actually take out of it. Every guide we write here starts with the math. For an indexed universal life policy, that math turns on charges the sales illustration tends to leave in the footnotes, the same charges that fund the [commission an agent earns](/guides/iul-agent-commission-explained/) for selling the policy in the first place. Enter your premium, death benefit, and the cap and participation rate you were quoted. The calculator's year-by-year projection table shows the cash value, surrender value, and death benefit through the age you choose. Alongside it, the calculator puts the same premium into a 401(k) or a taxable brokerage account, letting you see both paths at once. The calculator is free to use, with no signup and no Excel file to download. As you change the premium, cap, participation rate, or cost-of-insurance inputs, the table updates using the numbers you enter rather than one carrier's hard-coded rates. Using the numbers loaded above, a 40-year-old who pays $12,000 a year for 20 years into a $500,000 policy reaches a surrender value of $583,785 at age 70. With no cap, the same policy would have reached $1,277,172. The cap cost $693,386, while the cost of insurance took another $49,109.

This MCA calculator shows the true cost of a merchant cash advance in seconds. Enter your advance amount, factor rate, and estimated term, and the tool will calculate your total payback, cost of capital, and true effective APR. Here's the default example: A $50,000 advance with a 1.30 factor rate and an estimated 12-month term results in a total payback of $65,000. That includes $15,000 in cost of capital. With daily payments of $257.94 (about $5,416.67 per month across 252 payments) the effective APR is 54.81%.

This invoice factoring calculator shows exactly how much cash you'll get now, and what the factoring deal really costs. Enter the invoice amount, advance rate, factoring fee, and how quickly your customer pays. The calculator then gives you your upfront cash, the reserve held back, total fees, and true annual cost. For example, with a $100,000 invoice, an 85% advance rate, and a 1.5% fee per 30 days, you receive $85,000 in cash now and hold a $15,000 reserve. If 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. Just enter your draw amount, APR, repayment term, and any draw fee. Because a line of credit is revolving, you pay interest only on the amount you actually draw, not your full credit limit. For example, if you draw $50,000 at a 12% APR over 24 months with a 2% draw fee, your monthly payment is $2,353.67. You pay $6,488.17 in interest, plus a $1,000 draw fee. That puts the total cost of the money at $7,488.17, with an effective APR of 14.05% once the fee is counted.

A PTO cash-out calculator converts unused paid time off, vacation, or leave days into a dollar amount. It calculates your daily pay rate, then multiplies that rate by the number of days you choose to sell back. Enter your salary or hourly rate, the number of leave days you have available, and how many you want to cash out. The calculator above will show your gross payout, an estimated net payout based on a simple flat tax-rate estimate, and what those same days would have been worth as paid time off instead. For example, someone earning $72,000 a year on a standard five-day work week has a daily rate of about $276.92. Selling 5 days would produce a gross payout of about $1,384.62, or roughly $1,080 after a 22% tax-rate estimate.

A zakat calculator works out the 2.5% you owe on your zakatable wealth once it clears the nisab threshold, the minimum amount that must be reached before zakat becomes due. In the guides we publish here, every calculator is built around a number you can verify today. This one uses today's gold or silver price to derive the nisab threshold live, rather than hardcoding a dollar figure that can go wrong within days of a price move. Enter your cash, investments, gold, and silver, add any money owed to you, and subtract debts and bills due now. The calculator above then returns your zakatable wealth, your nisab threshold, and the zakat due if you clear it.

A life insurance needs calculator determines the total death benefit required to protect your dependents if your income disappears. The math is straightforward. At ModernWallet, we calculate recommended coverage by adding future income needs to existing debts and subtracting liquid household assets. Consider an illustrative household. Assume you need to replace $70,000 in annual income for 15 years. You also carry $10,000 in personal debt and a $250,000 mortgage balance. You budget $15,000 for final expenses and $60,000 for a child's college fund. These obligations total $335,000 on top of your income replacement. Your income replacement does not require a simple multiplication of $70,000 by 15 years. Invested lump sums earn returns over time. Discounted at a 3% real annual rate, that 15-year income stream equals roughly $835,655 today. Now subtract your existing resources. If you have $50,000 in current coverage and $30,000 in liquid savings, your family holds $80,000 in assets. Combining those figures leaves a recommended policy amount of approximately $1,090,655. This worked scenario reflects our baseline assumptions, but your own coverage target will depend entirely on your specific household balance sheet.

Self-employment tax is 15.3% — 12.4% for Social Security and 2.9% for Medicare — charged on 92.35% of your net business profit, which works out to an effective 14.13% of profit. The calculator above applies the 2026 figures (a $184,500 Social Security wage base and the current federal brackets) and answers the question people actually have: what share of each payment isn't yours to spend. On $60,000 of net profit, a single filer owes $8,477.73 in self-employment tax and about $12,037 in total federal tax — roughly 20.1% of profit, or $3,009 per quarter.

An operating cash flow calculator measures the net cash a business generates from its regular operations over a given period. Net income records revenue and expenses when earned or incurred, but operating cash flow tracks the actual dollars moving into and out of your bank account. For example, a business with $120,000 in net income, $25,000 in depreciation, and $5,000 in amortization has $30,000 in non-cash add-backs. If accounts receivable grew by $15,000, inventory grew by $10,000, and accounts payable grew by $8,000 during the same period, working capital tied up $17,000 in net cash. Adding the $30,000 in non-cash expenses and subtracting the $17,000 working capital change leaves $133,000 in operating cash flow. At ModernWallet, we built this operating cash flow calculator to help operators evaluate real liquidity before taking on debt or signing a bank covenant. Commercial lenders evaluate this metric closely. Accounting profit cannot service monthly loan payments if customers have not paid their invoices. Enter your net income, non-cash charges, and working capital movements above to calculate your cash from operations instantly.

The business standard mileage rate for 2026 is 72.5 cents per mile from January 1 through June 30 and 76 cents per mile from July 1 through December 31 — the IRS raised it mid-year. Any calculator that multiplies your annual miles by a single rate gives the wrong answer, so the tool above takes each half of the year separately. A driver with 5,000 business miles in the first half and 7,000 in the second deducts $8,945, at a blended 74.54 cents per mile. In the 12% bracket that deduction is worth $2,337 — because it cuts self-employment tax as well as income tax.

A cash conversion cycle calculator measures the number of days a business takes to convert inventory investments into cash collections from customers. It tracks your working capital timeline. For example, take a business with $600,000 in annual cost of goods sold and $1,000,000 in annual revenue. It maintains $90,000 in average inventory, $110,000 in average receivables, and $70,000 in average payables over a 365-day year. Its inventory sits for 54.8 days. Customer payments take 40.2 days to arrive. The company takes 42.6 days to pay its own suppliers. This produces a cash conversion cycle of 52.4 days. Every dollar invested in inventory remains tied up for over seven weeks before flowing back into the company. At ModernWallet, we see business owners use this metric to decide how much financing they need to bridge operating gaps. That 52.4-day span is a funding gap. You have paid your vendors, but customer cash has not yet arrived. Without cash reserves, you must finance those 52.4 days of operations. Many owners guess their financing needs and take on excess debt. This cash conversion cycle calculator provides an exact day count based on your financial statements. You can immediately see whether collections, inventory turnover, or vendor terms drain working capital.

A freelance rate has to cover more than a salary does: both halves of Social Security and Medicare, every hour you work but cannot bill, your own unpaid time off, and your overhead. The calculator above works backwards from the take-home pay you want to the hourly rate that produces it, using real 2026 tax figures instead of a rule-of-thumb markup. To take home $70,000 while billing 25 hours a week for 46 weeks with $6,000 of overhead, you need $95,016 of revenue — an hourly rate of $82.62, or $661 a day.

An S corporation election lets you split business profit into a salary, which pays payroll tax, and a distribution, which does not. The saving is real, but it is smaller than the usual pitch suggests, because two costs come off it: running payroll, and the qualified business income deduction you give up on every dollar moved into salary. On $120,000 of profit with a $60,000 salary, the election avoids $7,775 of payroll tax — but forfeits an $8,242 QBI deduction and costs $1,200 in payroll. The honest net saving is $4,171.