Free Financial Calculators

Investing & growth (5)

Compound interest See your money grow over time. Savings goal How long to reach your target. FIRE number Your financial independence target. Investment fee impact See how fees erode your returns. Inflation See how prices erode your money.

Retirement & education (5)

401(k) retirement Plan your retirement savings. Roth vs Traditional IRA Compare retirement account types. 529 college savings Plan for your child's education. Trump Account projector Compound the $1,000 baby bonus to age 18. HSA triple-tax projector Tax-free growth vs a taxable account.

Debt & credit (4)

Loan payoff How long to pay off your loan. Debt snowball vs avalanche Find the fastest payoff plan. Credit card payoff Escape the minimum payment trap. Debt-to-income ratio Check your borrowing health.

Home & big purchases (3)

Mortgage payment Calculate your monthly payment. Rent vs buy Should you rent or buy a home? Buy vs rent: 10-year wealth Project home equity vs invested portfolio.

Income & budget (5)

50/30/20 budget Split your income instantly. Hourly to salary Convert hourly pay to annual salary. Net worth Track your total financial health. State tax compare Take-home pay across two states. Side hustle tax estimator Self-employment tax + quarterly payments.

Safety & insurance (2)

Emergency fund How much do you really need? Life insurance needs Calculate your coverage needs.

Investing & growth

Compound interest calculator

Compound Interest Calculator

Initial amount ($)

Monthly contribution ($)

Annual return (%)

Years

Result

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Read the full guide with formula, example, and FAQ →

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Investing & growth

Savings goal calculator

Savings Goal Calculator

Goal amount ($)

Current savings ($)

Monthly contribution ($)

Annual return (%)

Result

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Read the full guide with formula, example, and FAQ →

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Investing & growth

FIRE number calculator

FIRE Number Calculator

Annual spending ($)

Safe withdrawal rate (%)

Result

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Investing & growth

Investment fee impact calculator

Investment Fee Impact Calculator

Starting Balance ($)

Monthly Contribution ($)

Expected Return (%)

Low Fee (%)

High Fee (%)

Years

Result

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Investing & growth

Inflation calculator

Inflation Calculator

Amount ($)

Years

Inflation rate (%)

Result

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Retirement & education

401(k) retirement calculator

401(k) Retirement Calculator

Current balance ($)

Annual salary ($)

You contribute (%)

Employer match (%)

Annual return (%)

Years

Result

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Read the full guide with formula, example, and FAQ →

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Retirement & education

Roth vs Traditional IRA calculator

Roth vs Traditional IRA Calculator

Annual Contribution ($)

Years to Grow

Expected Return (%)

Current Tax Rate (%)

Retirement Tax Rate (%)

Result

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Retirement & education

529 college savings calculator

529 College Savings Calculator

Child's Current Age

Years Until College

Current 529 Balance ($)

Monthly Contribution ($)

Expected Return (%)

Annual College Cost ($)

Years of College

Result

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Related: 529 College Savings Plan Guide

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Debt & credit

Loan payoff calculator

Loan Payoff Calculator

Balance ($)

Interest rate (%)

Monthly payment ($)

Result

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Debt & credit

Debt snowball vs avalanche calculator

Debt Snowball vs Avalanche Calculator

Debt 1 balance ($)

Debt 1 APR (%)

Debt 1 min payment ($)

Debt 2 balance ($)

Debt 2 APR (%)

Debt 2 min payment ($)

Extra monthly ($)

Result

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Debt & credit

Credit card payoff calculator

Credit Card Payoff Calculator

Card balance ($)

APR (%)

Monthly payment ($)

Result

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Read the full guide with formula, example, and FAQ →

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Debt & credit

Debt-to-income ratio calculator

Debt-to-Income Ratio Calculator

Monthly gross income ($)

Mortgage / rent ($)

Car payment ($)

Student loans ($)

Credit card minimums ($)

Other debt payments ($)

Result

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Home & big purchases

Mortgage payment calculator

Mortgage Payment Calculator

Home price ($)

Down payment ($)

Interest rate (%)

Term (years)

Result

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Read the full guide with formula, example, and FAQ →

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Home & big purchases

Rent vs buy calculator

Rent vs Buy Calculator

Monthly rent ($)

Home price ($)

Down payment (%)

Mortgage rate (%)

Property tax rate (%)

Maintenance (% of price/yr)

Years to stay

Result

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Income & budget

50/30/20 budget calculator

50/30/20 Budget Calculator

Monthly take-home ($)

Result

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Income & budget

Hourly to salary calculator

Hourly to Salary Calculator

Hourly rate ($)

Hours per week

Weeks per year

Result

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Income & budget

Net worth calculator

Net Worth Calculator

Cash & savings ($)

Investments ($)

Retirement accounts ($)

Property value ($)

Other assets ($)

Mortgage owed ($)

Student loans ($)

Credit card debt ($)

Other debt ($)

Result

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Safety & insurance

Emergency fund calculator

Emergency Fund Calculator

Rent / mortgage ($)

Utilities ($)

Groceries ($)

Transport ($)

Insurance ($)

Other essentials ($)

Months of coverage

Result

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Safety & insurance

Life insurance needs calculator

Life Insurance Needs Calculator

Annual Income ($)

Income Multiplier

Outstanding Mortgage ($)

Other Debts ($)

College Fund Per Child ($)

Number of Children

Existing Coverage ($)

Savings/Investments ($)

Result

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Retirement & education

Trump Account projector calculator

Trump Account Projector

Starting amount ($) — e.g. $1,000 baby bonus

Annual family contribution ($)

Expected annual return (%)

Years until age 18

Result

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Retirement & education

HSA triple-tax projector calculator

HSA Triple-Tax Projector

Current HSA balance ($)

Annual contribution ($, max ~$4,150 single)

Annual return (%)

Years to grow

Marginal tax bracket (%)

Result

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Related: HSA Explained · 401(k) Explained

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Home & big purchases

Buy vs rent: 10-year wealth calculator

Buy vs Rent: 10-Year Wealth Projector

Home price ($)

Comparable monthly rent ($)

Down payment (%)

Mortgage rate (%)

Home appreciation (% / year)

Investment return (% / year)

Years to hold

Result

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Income & budget

State tax compare calculator

State Tax Compare Calculator

Gross annual income ($)

State A rate (%) — e.g. Texas 0

State B rate (%) — e.g. California 9.3

Result

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Income & budget

Side hustle tax estimator calculator

Side Hustle Tax Estimator

Annual side hustle income ($)

Deductible business expenses ($)

Your federal tax bracket (%)

Result

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