Free online calculators

Clear calculations.
For life's next steps.

Plan a payment, check a date, or work out what your next project needs. Get clear results, with the method explained.

Find your calculator

Browse by task, or search above.

Payments, saving, and the cost of borrowing.

APR CalculatorEstimate an annualized borrowing rate from net proceeds and monthly payments, or from a fixed loan rate and one-time fees. See the underlying cash flows.APY CalculatorConvert a nominal annual rate to APY or reverse APY to a nominal rate. Compare compounding frequencies, including continuous compounding, and a deposit example.Auto Loan CalculatorCalculate car loan payments or find a vehicle price from your monthly budget. Include down payment, trade-in payoff, tax, fees, and extra-payment savings.Auto Refinance CalculatorCompare auto refinancing with your remaining loan. Include fees, total interest, monthly payments, holding-period debt and a cost-based break-even point.CD CalculatorEstimate a certificate of deposit balance at maturity from its APY, deposit amount, and term. See principal and modeled interest separately.Coast FIRE CalculatorEstimate the Coast FIRE amount needed today, with optional pension or ongoing retirement income. Adjust spending, return, inflation, and retirement age.Compound Interest CalculatorCalculate compound growth with daily, monthly, annual or continuous compounding and independent deposit frequency. Compare beginning and end deposits.Credit Card Payoff CalculatorCalculate credit card payoff time or the fixed payment needed by a target month. Compare adjustable minimum-payment rules, interest and repayment schedules.Debt Consolidation CalculatorCompare 2–10 existing debts with a consolidation loan. Include each balance, rate and payment, new-loan fees, total costs and payoff schedules.FIRE CalculatorEstimate a financial-independence target and time to reach it with ongoing savings. Include spending, retirement income, return and inflation assumptions.HELOC CalculatorModel a HELOC draw period with regular borrowing and interest-only payments, then a repayment period with a separate rate and term. Check the credit limit.Loan CalculatorCalculate loan payments with a term in years or months. Compare monthly and one-time extra payments, payoff time, interest saved, and an amortization schedule.Margin CalculatorCalculate profit margin, markup, and unit profit from selling price and cost. Understand the difference between margin and markup.Mortgage Affordability CalculatorEstimate a home-price budget from income, other debts, adjustable housing and debt ratios, cash down payment, taxes, insurance, HOA and mortgage terms.Mortgage CalculatorEstimate a mortgage payment with taxes, insurance, HOA, and PMI. Enter down payment in dollars or percent and compare monthly or one-time extra payments.Mortgage Recast CalculatorEstimate the payment after a principal lump sum and mortgage recast. Compare keeping the original payment, payoff time, interest and an entered cash recast fee.Mortgage Refinance CalculatorCompare mortgage refinancing costs, monthly payments, fees, mortgage insurance and remaining debt at the same holding date. See lasting cost break-even.Retirement CalculatorConnect retirement saving and withdrawals in one scenario. Model inflation, income, portfolio balances and the monthly saving needed through a chosen end age.Retirement Withdrawal CalculatorModel monthly retirement withdrawals, inflation and other income that starts later. See portfolio depletion, spending shortfalls and annual balances.Salary CalculatorConvert gross hourly, weekly, biweekly, monthly, or annual pay. Adjust working hours and paid weeks to compare equivalent pay periods.Simple Interest CalculatorCalculate simple interest or solve for principal, annual rate or duration. Use years, months or days with an explicit 360/365-day basis.

Percentages, fractions, ratios, coordinates, and unit conversions.

Adult body measurements and clearly explained energy estimates.

Ages, calendar dates, and hours worked.

Bills, shopping, and energy use.

Plan coursework and understand grade targets.

Measure areas and estimate project materials.

Prepare holiday meals and decorating projects.

Soil, gravel, and materials for outdoor work.

Accurate spacing for wall trim and panels.

Count pickets for a measured fence run.

Plan snow clearing, service costs, and loads.

See what goes into
the answer.

A useful result starts with inputs you understand.

Make the numbers yours
Change the example inputs to match your question and the units shown.
Follow the working
Read the method, worked example and assumptions alongside each calculator.
Keep your inputs with you
Calculations run in your browser. You don't need to create an account.