Finance Calculators

Estimate your monthly mortgage payment with property tax, insurance, PMI and HOA fees, then see the payoff date, a full amortization schedule and how much extra payments save.

Work out the payment, loan amount, term or interest rate of any fixed-rate loan, with monthly, biweekly or weekly payments, fees and APR, extra payments and a full amortization schedule.

Estimate your monthly car payment with down payment, trade-in and payoff, rebates, sales tax and fees — or find the car price a monthly budget buys — with a term comparison and amortization schedule.

See how savings or investments grow with compound interest: monthly and yearly contributions or withdrawals, nine compounding options, tax, inflation and a year-by-year schedule.

Calculate simple interest (I = P × r × t) and the total, or solve for the principal, rate or time. Yearly or monthly rates, time in years, months and days, a schedule and a compound-interest comparison.

Build a full amortization schedule for any loan — yearly and payment-by-payment principal, interest and balance, with payment dates, extra payments, biweekly options and charts.

Work out the tip and total, split the bill evenly or by shares, round up to a whole amount, and tip on the pre-tax or pre-discount amount — with a quick table of tips from 10% to 25%.

Add sales tax to a price, back it out of a tax-included total, or find the rate from a receipt. Use your own rate or any US state’s 2026 state and average local rate, with discounts, shipping and a 50-state comparison.

Find the sale price and savings from a percent-off or amount-off discount, stacked discounts, coupons and buy-X-get-Y deals — or work backwards to the discount rate or the original price. Adds sales tax if you need it.

Find how much to save each week, month or year to reach a savings goal by your deadline — or how long it will take — with interest, compounding, yearly deposit increases and inflation included.

See how long it takes to pay off a credit card balance and what the interest really costs.

See what inflation does to purchasing power: project an amount at a fixed rate, convert dollars between any two years from 1913 to 2025 with US CPI data, or find the average inflation rate between two prices.

Project your retirement nest egg from current savings and monthly contributions, see it in today’s dollars, find out how much you need for the income you want and how long your savings will last.

Project your 401(k) balance at retirement with salary raises, the employer match (including two-tier matches), IRS contribution limits with catch-up, fees and inflation, then see the monthly income it could pay.

Project the tax-free balance of a Roth IRA at retirement from your annual contribution, age and expected return.

Compare your current loan with a refinance: new payment, monthly savings, break-even on closing costs and points, lifetime savings, cash-out and a year-by-year comparison.

Estimate the home price you can afford from your income and debts or from a monthly budget, with conventional, FHA, VA or custom DTI limits, PMI, HOA, closing costs and rate scenarios.

Compare the true cost of renting versus buying over your stay, counting appreciation, closing and selling costs, upkeep, PMI and the investment return on your cash, with a break-even year.

Turn a down payment percentage into dollars and the loan amount, with a PMI note when you put down less than 20%.

Calculate your front-end and back-end debt-to-income (DTI) ratio, list debts one by one, test a new loan payment and compare yourself with conventional, FHA, VA and USDA limits.

Find your emergency fund target, the gap to reach it, and how long it takes at your monthly saving rate.

Add up your assets, subtract your liabilities, and see your total net worth with a full breakdown.

Calculate return on investment: total ROI, annualized ROI and net profit, using a holding period or exact dates. Add costs, income and tax, compare with a benchmark return, or find the sale price a target ROI needs.

Find the future value of a lump sum after growth at a given rate, term and compounding frequency.

Find how much you need today to reach a future amount, discounted at a chosen annual rate.

See the monthly payout a lump sum can provide over a set number of years before it runs out.

Calculate the maturity value and interest of a certificate of deposit from the rate, term and compounding.

Convert a nominal APR to its effective APY at any compounding frequency and see what compounding adds.

See when you will be debt-free, the total interest and how much extra payments save, for one debt or up to five using the avalanche or snowball method, with a payoff order and schedule.

Add up monthly and yearly credit card cash back across five spending categories with their own rates and caps, subtract the annual fee, add a sign-up bonus, compare with a flat-rate card — or check whether a cash-back rebate beats a low-APR loan offer.

Find the units and revenue you must sell to cover fixed costs, given your price and variable cost per unit.

Convert a nominal return into a real, inflation-adjusted return using the exact Fisher equation.

Split your monthly take-home pay into needs, wants and savings with the popular 50/30/20 budgeting rule.

Estimate your student loan payment, total interest and payoff date — including interest that builds up while you are in school, the new federal Tiered Standard and RAP plans, extra payments and a plan comparison.

Use the Rule of 72 to estimate how long an investment takes to double — and the return you would need to double it in a set time.

Calculate a stock’s dividend yield from its annual dividend and share price, plus the income your shares would produce.

Estimate federal capital gains tax on an investment sale from your purchase price, sale price and holding period.

See how much sooner you pay off your mortgage and how much interest you save with extra monthly, yearly, one-time or biweekly payments, or find the extra payment needed to be mortgage-free by a target year, with payoff dates and a full schedule.

Plan a debt snowball: pay the smallest balance first, roll each payment into the next, and see your payoff time and total interest.

Find how much rent you can afford with the 30% rule (or your own share), a debt check and a take-home budget, plus the income a landlord will want for a given rent.

Estimate your 2026 federal tax refund or amount owed (the return you file in 2027) from income, withholding and estimated payments, with all filing statuses, the child tax credit, the earned income credit and the new senior, tips and overtime deductions.

See this month’s credit card minimum payment — as a percentage of the balance or interest plus a percentage — and how long and how costly paying only the minimum is, versus a fixed payment or the 36-month payoff amount, with a payoff date, schedule and balance chart.

Calculate your new salary from a raise percentage, or the percentage from a new salary — plus the real raise after inflation.

Work out your tithe from your income at any percentage, and see what remains — for monthly, weekly or yearly giving.

Estimate your 2026 US federal income tax from wages, self-employment, investment and other income, with all four filing statuses, the child tax credit, the new senior, tips and overtime deductions, itemizing, state tax and FICA, plus your effective rate, marginal bracket and after-tax income.

See whether rolling your debts into one consolidation loan lowers your monthly payment and total interest — compared head-to-head with staying put.

Find the true annual percentage rate (APR) of a loan once upfront fees and points are folded into the note rate.

Convert a nominal rate (APR) into the effective annual rate (EAR / APY), work back from an effective rate to the nominal rate, or convert a rate between compounding frequencies, from continuous to annual. Includes worked steps, a frequency table, interest on your amount and a side-by-side offer comparison.

See how paying half your mortgage every two weeks pays the loan off years early and cuts total interest.

Compare the low interest-only payment with the payment after the interest-only period ends, see the payment shock, total interest against a standard loan, rate resets, extra payments, balloon loans and a full schedule.

Calculate the low monthly payment and the large balloon balance due when a balloon loan comes due.

Estimate HELOC payments in the draw period and the repayment period, the payment jump when repayment starts, total interest and fees, how much you can borrow, and a full payment schedule.

Find your credit utilization ratio and how much to pay down to reach the 30% and 10% targets lenders reward.

Split savings across staggered CDs and see the total maturity value, interest earned and a rung-by-rung breakdown.

Estimate your self-employment tax — the Social Security and Medicare portions — and the deductible half, using 2024 rates.

Extract the sales tax from a tax-included total to find the pre-tax price and the exact tax paid.

Compare two loans side by side — monthly payment, total interest and total cost — to see which is cheaper overall.

See how extra monthly, yearly or one-time payments pay your mortgage off early: interest saved, time saved, new payoff time, or the extra payment needed to be debt-free by a target year, with a yearly balance schedule and chart.

See your annual employer 401(k) match, your own contribution and the free money you leave on the table by contributing below the match cap.

Estimate your Required Minimum Distribution from a retirement account using the IRS Uniform Lifetime Table factor for your age.

See the tax you save with an HSA this year and project your invested balance over time with the triple tax advantage.

Calculate the tax you save with a Flexible Spending Account and the amount you risk forfeiting under the use-it-or-lose-it rule.

Project the future cost of college by inflating today’s annual price to enrollment and totaling every year of study.

Estimate the tax owed on converting traditional retirement funds to a Roth and whether converting now looks favorable versus paying tax later.

Find the monthly amount you must save to hit a financial goal, given your current savings, timeframe and expected return.

See your total 401(k) or IRA contribution limit including the age-50 catch-up amount for the year.

Find the break-even age between claiming Social Security early at 62 and waiting until full retirement age for a larger monthly check.

See how much cash you can pull from your home equity in a refinance — new loan amount, new monthly payment, closing costs and loan-to-value.

Estimate an FHA mortgage payment with the 1.75% upfront MIP and the annual MIP picked automatically from HUD’s rate table, plus property tax, insurance and HOA — with the date MIP ends, cash to close, the 2026 FHA loan limit check, debt-to-income ratios and a full amortization schedule.

Estimate a VA home-loan payment with the VA funding fee financed into the loan — zero down payment and no monthly mortgage insurance.

Estimate the monthly payment on a jumbo mortgage — principal, interest, taxes, insurance, HOA and PMI — check it against the 2026 conforming limit (1–4 units, high-cost areas), see the down payment that keeps you conforming, compare a conforming-plus-second-mortgage split, and get reserves, cash to close, DTI and a full schedule.

See how much faster you clear a loan and how much interest you save by adding an extra amount to every monthly payment.

Calculate the monthly payment and the lump-sum balloon due at the end of a balloon loan amortized over a longer schedule.

Work out the interest-only payment on a mortgage, HELOC or business loan, the higher payment once principal repayment starts, the payment shock, total interest against a standard loan, or the most you can borrow for a given payment. Any payment frequency, daily-interest options, rate resets, extra principal and a full schedule.

Estimate the cost of a short-term bridge loan — interest-only monthly payments, origination points and the total payoff amount.

Estimate your available home-equity line, the low interest-only draw-period payment and the higher fully-amortizing repayment payment.

Pay off multiple debts by targeting the highest interest rate first — see your debt-free date and the total interest the avalanche method saves.

Pay off debts smallest balance first for fast wins — see your debt-free date, total interest, and how it compares to the avalanche method.

See how long paying only your credit card minimum takes and what it costs, with either minimum rule (% of balance or interest + %), the payment that clears the card in 3 years, a fixed or extra payment, and a month-by-month schedule.

Estimate your 2026 take-home pay per paycheck from a salary or hourly wage after federal income tax, Social Security, Medicare, state and local tax, 401(k) and benefit deductions — with all filing statuses, child credits and the new overtime, tips and senior deductions.

Estimate your 15.3% self-employment tax on net earnings — the Social Security and Medicare share, plus the deductible half.

Compare take-home pay as a 1099 contractor versus a W-2 employee, accounting for self-employment tax and business expenses.

Find your effective tax rate from the tax you paid, tax by tax, or estimate it from income with the 2026 US federal brackets, FICA and state tax — with your marginal rate, take-home pay and a bracket-by-bracket breakdown.

See which 2025 federal tax bracket you fall in, your total federal tax and effective rate, with a bracket-by-bracket breakdown.

Convert an hourly wage into an annual salary and estimate take-home pay after federal income tax, FICA and a flat state rate.

Work out weekly gross pay from regular and overtime hours at a 1.5× (time-and-a-half) rate, with an annualized estimate.

Estimate the take-home value of a bonus after the 22% federal supplemental withholding, FICA and a flat state rate.

Estimate 2026 federal tax on an investment sale — short-term gains at ordinary rates, long-term gains at 0/15/20% stacked on your income — with all four filing statuses, the home-sale exclusion, collectibles and rental depreciation recapture, losses, the 3.8% NIIT and state tax.

Extract the sales tax from a tax-inclusive total — get the pre-tax price and the tax amount hidden inside a receipt total.

Estimate annual and monthly property tax from a home's assessed value and the local mill rate or tax rate.

Estimate the federal income tax to withhold per paycheck (W-4 style) from your salary, filing status, dependents and extra withholding.

Find the year buying beats renting once appreciation, equity and the opportunity cost of your down payment are all counted.

See the maximum home price your income supports under the 28/36 rule, with your down payment, taxes and debts factored in.

Work out how long it takes to save your target down payment given what you set aside each month and the return you earn.

Estimate the cash to close on a home — lender fees, points, title, government fees, prepaids, escrow and FHA, VA or USDA upfront fees — as a quick estimate or line by line, with seller credits and earnest money.

Turn rent, vacancy and operating expenses into net operating income and a cap rate to compare rental properties fairly.

Measure the annual pre-tax cash flow a leveraged rental returns on the actual cash you put in — the investor’s bottom line.

Compute the gross rent multiplier — price divided by annual rent — to screen rental deals in seconds before deeper analysis.

Estimate your monthly private mortgage insurance from a PMI rate or your credit score, when it can be removed at 80%, 78% or with a new appraisal, the total you will pay, and how extra payments or a bigger down payment change it.

See how buying discount points (or taking lender credits) changes your rate and payment, how long it takes to break even, your net savings over the years you keep the loan, the APR, and a side-by-side table for 0 to 3 points.

Find how much rent you can comfortably afford from your income using the 30% rule, plus conservative and stretch ranges.

Run a flip through the 70% rule: your maximum offer, projected profit and return on investment after repairs and holding costs.

Project a home’s future value from an annual appreciation rate, with the total gain and a year-by-year growth table.

Estimate the monthly payment on a personal loan, then see how an origination fee changes the cash you receive and the true APR, compare terms, add extra payments and get a full amortization schedule.

See how long it takes to clear a student loan and how much interest you pay — plus how much an extra monthly payment saves.

Compare your current student loan payment against a refinanced rate and term to see monthly and lifetime interest savings.

Calculate your front-end and back-end debt-to-income (DTI) ratio — the number lenders use to decide how much you can borrow.

Compare keeping your current debts against one consolidation loan: new payment, interest and net savings after the origination fee, the fee-adjusted APR, the break-even rate and a side-by-side of loan terms.

Find out exactly how many months it takes to clear a credit card balance at a fixed monthly payment, and the interest it costs.

See the interest your credit card charges this month and per day, then compare a fixed payment, minimum payments or a payoff goal, with intro APR, new charges and a month-by-month schedule.

Estimate the interest-only and the full repayment payment on a line of credit or HELOC, with a draw period, new draws, rate changes, extra payments, fees, payment frequency and a full schedule.

Calculate your loan-to-value ratio from the loan amount and property value — the number that drives mortgage rates and PMI.

Convert a loan's note rate plus upfront fees into its true annual percentage rate (APR) — the real cost lenders must disclose.

Compare simple interest against compound interest on the same principal, rate and term — and see the gap compounding creates.

See how paying a shrinking minimum payment traps a credit card balance for years versus locking in a fixed monthly amount.

Size your life insurance with the DIME method — Debt, Income replacement, Mortgage and Education — then subtract what you already have.

Estimate a term life premium from coverage, age, term (10 to 30 years), sex, smoking and health class, calibrated to 2026 average US quotes — monthly vs annual payment, total over the term, the cost of waiting, and side-by-side term, coverage and health-class comparisons.

Add up the true annual cost of a health plan — premiums plus deductible, coinsurance and copays up to the out-of-pocket maximum — for a healthy, expected and worst-case year, and compare two plans side by side with HSA money and tax savings.

See your remaining HSA room after employer money, and the income-tax you save by contributing to a Health Savings Account this year.

Pick a per-paycheck Flexible Spending Account amount that covers your expected costs, stays under the IRS cap, and shows the tax you save.

Estimate a monthly, six-month and annual car insurance premium from your area’s rate or a 2026 US state average, adjusted for age, gender, driving record, credit, coverage, deductible, mileage, vehicle and discounts, with a factor-by-factor breakdown and comparisons by age, coverage and state.

See what a sum will cost in the future, and how much of today's buying power it quietly loses, at a chosen inflation rate over any number of years.

Find the salary you'd need in another city to keep the same standard of living, using each city's cost-of-living index.

Find out whether your raise beats inflation — the real value of your new hourly wage in today's dollars, and how much a wage would need to be just to keep up.

Turn an old and new salary into the exact raise percentage, or apply a target raise to see your new pay, monthly and per-paycheck.

Split a shift's pooled tips fairly across staff by hours worked, and take out support-role percentages first — the way real restaurant tip pools work.

Project what a starting balance plus regular monthly deposits will grow to, with compound interest — and see how much is your money versus earned interest.

Split your take-home pay into 50% needs, 30% wants and 20% savings — the amounts you can spend and save each month.

Add up your monthly income and expenses to see what is left over — your surplus or deficit and how much of your pay you keep.

Find your personal savings rate — the share of income you actually keep — and see how many years of expenses it buys each year.

Work out how much to set aside each month to reach a planned expense on time — a sinking fund for holidays, car repairs or insurance.

Give every dollar a job: assign your income across categories until income minus allocations equals zero — a zero-based budget.

Split each paycheck into needs, wants and savings — the exact dollars to allocate from every check based on your pay schedule.

See the true cost of a purchase by dividing its price over how many times you use it — the cost-per-use of clothes, gear and gadgets.

Add up every streaming, app and membership subscription to see the monthly and yearly total quietly leaving your account.

Estimate the retirement nest egg you need with the Rule of 25 — annual spending times 25, the mirror of the 4% withdrawal rule.

See how much spare change adds up when you round up purchases or drop money in a jar — painless savings, projected over a year.

Work out a child’s weekly allowance from a base amount plus paid chores — with a save/spend/give split and the yearly total.

Find the break-even point between buying something outright and paying a monthly subscription — how long until owning wins.

See your biweekly mortgage payment and how paying every two weeks — 26 half-payments a year — shaves years of interest off a 30-year loan.

Put a lump sum toward principal and re-amortize — see your lower monthly payment after a mortgage recast without changing the rate or term.

Add an extra amount to each mortgage payment and see how many years and how much interest you save by paying down principal faster.

Get your monthly payment plus a year-by-year amortization summary showing how each year splits between principal and interest.

Work out your new rent after a percentage increase, the extra you pay each month and year, and how rent compounds over several years.

Estimate the total cost of a late payment — the late fee plus any interest that accrues on the overdue amount for the days it is late.

Compare two loan offers side by side — monthly payment and total interest — to see which one actually costs less over its full term.

See how much interest a lower rate saves, your new payment, and how many months it takes to break even on the closing costs.

Find your home equity and how much you could borrow against it — based on your home value, mortgage balance and the lender's maximum loan-to-value.

Get a rough estimate of the funds a HECM reverse mortgage could provide, based on the youngest borrower's age, home value and the expected rate.

Estimate the interest you pay during a construction loan’s draw period — from an average drawn balance, even monthly draws or your own draw schedule — with loan and inspection fees, an interest-reserve option, a month-by-month schedule and the payment after the loan converts to a mortgage.

Turn annual property taxes and insurance into the monthly escrow your lender collects — plus the cushion reserve required at closing.

Turn gross pay into take-home pay (or work back from the net pay you want) by subtracting pre-tax deductions, tax and post-tax deductions — for any pay period, with a flat rate you choose or a 2026 US federal, Social Security, Medicare and state estimate.

Estimate take-home pay when you stack a federal rate, a flat state income-tax rate and FICA — compare living in a high-tax vs no-tax state.

Break an annual salary into monthly, semi-monthly, biweekly, weekly and hourly pay so every pay period lines up.

Add base hours and overtime at any multiplier into one weekly paycheck, and see the annualised total and your blended hourly rate.

Estimate a severance package from your salary, years of service and a weeks-per-year formula — plus how many months of income it covers.

Blend up to three debts into one weighted-average interest rate, see your annual interest bill, and apply a tax shield for deductible debt.

See how many months of expenses your emergency fund covers, and the gap to a 3-, 6- or custom-month cushion.

Enter a balance, APR and monthly payment to find your debt-free date, total interest paid, and whether the payment even keeps up with interest.

Compare a money market account and a savings account side by side — final balance, interest, monthly fees and minimum balances, tax on interest, inflation, a year-by-year table and chart, and the savings APY you would need to break even.

Split a lump sum into a CD ladder with staggered maturities, see each rung’s maturity value, and the blended return of the whole ladder.

Grow a starting balance plus regular monthly deposits with compound interest — see the final value, what you put in, and interest earned.

Find what a stream of equal payments grows to, or solve for the payment, time or rate needed to reach a goal. Ordinary annuity or annuity due, any payment and compounding frequency, a starting balance, growing payments, inflation and a full schedule.

Track how your net worth changed over the past year — the growth rate, how much came from saving versus market gains, and where next year lands at the same pace.

See how long a pot of savings lasts when you withdraw a fixed amount each month while the balance keeps earning a return — and the withdrawal that would make it last forever.

Check what share of your income goes to rent, whether it clears the 30% rule landlords use, and the most rent you can afford at that threshold.

Should extra cash go toward paying down the mortgage or into investments? Compare the guaranteed return of prepaying against expected market returns over your time horizon.

Find the dividend yield your portfolio must earn to cover a target income — and how large a portfolio it would take at a realistic, safer yield.

Work out the portfolio that lets investment income cover your living costs — accounting for any pension or rental income — and how close you are today.

Add up your monthly income and spending by category to see whether you run a surplus or deficit, your savings rate, a 50/30/20 check, how each category compares with common guidelines, and how long your savings last or grow over a year.

Spread the price of a purchase across how long you will use it to see its true cost per day, month and year — the honest way to judge a big buy.

Convert your salary into what an hour of your time is really worth — including commuting and prep — so you know when paying to save time is worth it.

Stack two or three discounts the way stores actually apply them — one after another — to get the final price and the single discount that equals the stack.

Tip the right amount for the service you got — from poor to exceptional — then split the total evenly across your party.

Work backwards from the monthly payment you can comfortably afford to the loan amount it buys — plus the total interest that payment carries.

See your low interest-only payment now and the higher fully-amortizing payment that kicks in once the interest-only period ends.

Estimate the payment shock on an adjustable-rate mortgage when the fixed intro period ends and the rate resets for the first time.

See how a fixed deposit every two weeks grows — 26 deposits a year, plus compound interest, into a real savings total.

Work out how much to set aside each month to fully fund a holiday by your travel date, including what you have already saved.

Split a wedding budget across venue, catering, photography and the rest using realistic industry percentages, with cost per guest.

Add up the real first-year cost of a baby — diapers, feeding, childcare and one-time gear — into a monthly and annual total.

Total the real cost of a move — movers, truck, supplies, deposits and travel — and add a contingency buffer so nothing surprises you.

Compare the full monthly cost of a car (payment, insurance, fuel, maintenance, parking, registration and depreciation) with a transit pass plus rideshares or car rentals. Work out fuel from miles and mpg, value your commute time, and see savings over several years with or without investing them.

Total every recurring subscription into one monthly and yearly number so you can see the real cost of all those small charges.

Find the real value of a cashback card — yearly rewards on your spending, net of the annual fee, and the spend needed to break even.

Calculate your credit utilization ratio and see how much to pay down to reach the 30% and 10% thresholds lenders reward.

Estimate how your credit score tier changes a loan’s interest rate, monthly payment and total interest versus top-tier credit.

See how much of an early 401(k) or IRA withdrawal you actually keep after the 10% penalty and income tax before age 59½.

Estimate the income tax cost of converting a traditional IRA or 401(k) to a Roth, and how much lands in the Roth if tax is paid from the account.

How much you can still put through a backdoor Roth IRA in 2026 ($7,500, or $8,600 at 50+), whether you can contribute to a Roth directly at your income, and how the pro-rata rule taxes the conversion if you hold pre-tax IRA money, with Form 8606 lines, basis carried forward, the effect of rolling IRAs into a 401(k) and tax-free growth.

A quick 2026 federal refund estimate (the return you file in 2027) from your income, filing status, withholding and children — standard deduction, child tax credit, earned income credit and the new senior, tips and overtime deductions included.

Estimate your quarterly estimated tax payments as a freelancer or self-employed worker, including the 15.3% self-employment tax.

See the tax saving from harvesting capital losses — offsetting gains, deducting up to $3,000 against income, and carrying the rest forward.

Track how much of a gift falls under the annual gift-tax exclusion, and how much reportable gift eats into your lifetime exemption.

A simple federal estate tax estimate: subtract the exemption from your gross estate and apply the 40% top rate.

Divide an estate among heirs after debts and expenses — an equal per-heir share, with an optional charitable bequest off the top.

Rough estimate of monthly spousal support (alimony) and child support, using either a simple percentage of the income gap or the published guideline formulas of California, Illinois, New York, Pennsylvania, Texas and Wisconsin. It shows the likely duration and compares every guideline side by side. Estimate only: real orders follow your state’s or country’s law and the judge.

Convert a flat payday-loan fee into a true annual percentage rate (APR) and see the eye-watering cost of short-term borrowing.

Break a buy-now-pay-later plan into its installment amount, total cost with fees, and the effective APR of any financing charge.

Find the mortgage you qualify for from your income, existing debts and a maximum debt-to-income ratio — the way lenders actually size a loan.

Estimate the monthly payment, total interest and combined loan-to-value of a second mortgage or home-equity loan behind your first lien.

See both phases of a home-equity line of credit: the interest-only payment while you draw, and the amortizing payment once repayment begins.

Work backward from the monthly housing payment you can afford to the home price it buys — accounting for down payment, rate, taxes and insurance.

Compare the true 5-year cost of renting against owning — mortgage, taxes, upkeep and appreciation netted against equity built.

Split the annual property tax bill fairly between buyer and seller at closing based on the days each party owns the home.

Estimate the cash you walk away with from a home sale after the mortgage and other loans are paid off, agent commission, closing costs, transfer tax, repairs, concessions and holding costs — or find the sale price you need for a target amount, with an optional tax-on-gain estimate.

Break a home-sale commission into listing and buyer sides, then split the agent’s side between the agent and their brokerage.

Estimate the deferred gain, taxable boot and new cost basis in a like-kind 1031 exchange of investment property.

Convert a property’s net operating income and a market capitalization rate into an estimated property value.

Estimate a rental property’s value from its gross rent using a market gross rent multiplier (GRM) — a fast first-pass screen.

Build a rental property’s net operating income from gross rent, a vacancy allowance and operating expenses — the foundation of any valuation.

Estimate the annual and monthly pension a defined-benefit plan will pay using your final salary, years of service and the plan’s accrual rate.

Estimate a spousal retirement benefit as a percentage of the worker’s full benefit, and see the top-up a lower-earning spouse may receive.

Compare taking a pension or lottery as a lump sum versus lifetime annuity payments by discounting the payments to today’s value.

Find the monthly contribution needed to reach a savings goal by a target date, given an expected rate of return and any starting balance.

See how much of a 401(k), IRA, Roth or brokerage withdrawal you keep after federal and state tax and the 10% early-withdrawal penalty — or gross up to find the withdrawal that nets a target — using one rate or the 2026 federal brackets.

See how the order of good and bad years affects a retirement portfolio: compare a poor-early sequence with a poor-late one at the same average return.

See how a few hours of part-time work in retirement offsets portfolio withdrawals and how large a nest egg that income is equivalent to.

Project the lifetime cost of healthcare in retirement, inflating annual premiums and out-of-pocket spending at a medical-cost rate.

Project the future cost of long-term care — nursing home, assisted living or home care — inflated to the age you may need it and over the expected stay.

Work out what you must invest today, or each month, to leave a target inheritance, and what that legacy is worth in today’s money.

Estimate the federal (and state) tax saving from a charitable gift under the 2026 rules — the 0.5% AGI floor, the $1,000/$2,000 deduction for non-itemizers, AGI limits and the 35% cap — compare itemizing with the standard deduction, gifts of stock with cash, and bunching several years of giving.

Calculate this year’s required minimum distribution from an IRA, 401(k) or 403(b) with the IRS Uniform Lifetime Table (ages 72 to 120+): your start age by birth year (73 or 75), the deadline, what is left to take, how a QCD lowers the taxable amount, the tax, the missed-RMD penalty and a year-by-year projection.

Estimate the total federal tax a sole proprietor owes — self-employment tax plus income tax — from net business profit and other income.

See the approximate self-employment tax you save by electing S-corp status and paying yourself a reasonable salary instead of taxing all profit as self-employment income.

Estimate your above-the-line self-employed health insurance deduction and the income tax it saves, limited to your net self-employment earnings.

Estimate your home office deduction with the IRS simplified method — $5 per square foot up to 300 square feet — and the tax it saves.

Turn business miles driven into a deduction using the IRS standard mileage rate, and see the tax it saves.

Calculate the annual straight-line depreciation of an asset from its cost, salvage value and useful life, with the yearly book-value schedule.

Estimate your first-year Section 179 expensing deduction, the phase-out above the spending cap, and the tax it saves versus depreciating over time.

Estimate the employer share of payroll taxes — Social Security, Medicare and FUTA — on an employee’s wages, and the true fully-loaded cost of hiring.

Check whether your out-of-state sales cross a state’s economic nexus threshold, creating an obligation to register and collect sales tax there.

Find the minimum annual estimated tax you must pay to avoid an IRS underpayment penalty under the 90%/100%/110% safe-harbor rules, and the quarterly amount.

Work out what percentage of your 1099 freelance income to set aside for taxes — self-employment plus income tax — so nothing surprises you at filing.

Calculate the monthly payment, total interest and total cost of a business loan from its amount, interest rate and term.

Estimate a car lease payment from the cap cost, residual, money factor and term — with the money factor converted to a plain APR.

See what it costs to buy your leased car — at lease end or early — with the residual or payoff amount, purchase and dealer fees, sales tax and registration, whether you have equity versus its market value, what returning it would cost instead, and the monthly payment if you finance the buyout.

Compare your monthly rent to the true monthly cost of owning — principal, interest, taxes, insurance and HOA — and see the gap between them.

Estimate what it costs to break a rental lease early — an early-termination fee versus paying the remaining rent — plus any forfeited deposit.

Calculate the interest a landlord owes on a security deposit — simple or compounded — and the total you should get back.

Compare the total cost of moving to a cheaper place against staying put after a rent increase — and find your break-even month.

Split rent fairly among roommates by bedroom size — bigger rooms pay proportionally more.

Add up electricity, water, gas and internet and split the total among housemates — evenly or per person.

Split a group expense evenly and see your balance — how much you are owed or owe after paying more or less than your fair share.

See the per-person cost of a shared family or group subscription plan and how much everyone saves versus individual plans.

Work out the per-person cost of a gym family membership — base plus add-on members — and compare it to separate individual memberships.

Compare buying a phone outright against a lease or upgrade program over the same period — counting resale value on what you own.

Convert a weekly paycheck into annual, monthly, biweekly and daily income — with the option to set how many weeks a year you actually get paid.

Find the raise you need just to keep pace with inflation, then check whether the raise you were offered is a real gain or a hidden pay cut.

See the salary you need to keep the same standard of living when the cost of living changes — whether from local price rises or a move to a pricier city.

Work out how many weeks of side-hustle hours it takes to reach a savings goal, after fees and taxes eat into what you keep.

Estimate what a freelancer actually keeps after business expenses, self-employment tax and federal income tax — the number that matters, not the invoice total.

See the fee, cash advanced and effective annual rate of factoring an invoice, so you can compare it fairly against a line of credit.

Turn a merchant cash advance factor rate into real dollars and an estimated APR, so you can see how expensive that "1.3" really is.

Add up the real cost of a layaway plan including service and cancellation fees, and see what that fee works out to as an annual rate.

Reveal the real cost of a rent-to-own agreement: total paid, markup over the cash price, and the effective interest rate baked into the payments.

Calculate the interest and fees to redeem a pawn loan, the total payoff, and the eye-opening annual rate behind a monthly pawn charge.

Turn a flat overdraft fee into an annual percentage rate and a yearly total, revealing how expensive a small negative balance really is.

Add up what out-of-network ATM fees cost you each year — and what that money could have grown to if you invested it instead.

See how many months it takes for the monthly savings from buying mortgage discount points to repay their upfront cost.

Compare an adjustable-rate mortgage against a fixed-rate loan — intro payment, the payment after the ARM adjusts, and total cost over the fixed period.

Combine two loans into a single balance-weighted blended interest rate — the true average rate you actually pay.

Compare the debt snowball (smallest balance first) against the avalanche (highest rate first) on two debts — see which clears faster and cheaper.

Find the extra monthly principal you must add to pay off your loan by a target date, and the interest that acceleration saves.

Find out how many months of lower payments it takes to recoup your refinance closing costs — the break-even before a refi actually pays.

See how paying half your mortgage every two weeks slips in one extra payment a year — shortening the loan and cutting interest.

Turn an escrow shortage into a new monthly payment — the higher escrow to refill the account plus the ongoing catch-up spread over 12 months.

Find the month your loan hits 80% loan-to-value and private mortgage insurance can drop — from scheduled payments alone.

Check a proposed rent increase against a rent cap: your own percentage, a “base % + CPI with a ceiling” formula, California AB 1482 (5% + CPI, max 10%), Oregon 2026 (9.5%), Washington 2026 (9.683%) or New York Good Cause. See the maximum allowed rent, whether the increase is over the limit, the 12-month lowest-rent rule, the notice needed and the maximum rent over the next years.

Work backward from a mortgage payment to the gross income you need to qualify, using front-end and back-end debt-to-income limits.

Convert an advertised net effective rent with free months into the real rent you pay each month — and the gross rent when the concession ends.

See what a bigger counteroffer is really worth — the lifetime value of negotiating a higher raise, since every future raise compounds on top of it.

Add up base salary, bonus, equity and benefits into one real total-comp number — the figure to compare offers on, not just base pay.

Estimate the pay that actually lands in your account after 401(k), health insurance and taxes — gross salary is rarely what you keep.

See your per-paycheck amount for weekly, biweekly, semimonthly and monthly pay — same annual salary, very different check sizes and budgeting rhythm.

Work out the hourly rate you need to hit a target annual income — accounting for unpaid time off, so freelancers do not undercharge.

Put a full price on your commute — fuel plus the dollar value of the hours it eats — to see what getting to work really costs each year.

Add up what each remote day saves — commute fuel, lunches out, coffee, parking and work clothes — to see the yearly value of working from home.

Weigh a job move: how many months it takes for a higher salary to repay moving costs once the new cost of living is factored in.

See what a signing bonus is worth after supplemental tax withholding — and how much you would repay if you leave before the clawback period ends.

Estimate the real cash needed to exercise stock options — the strike price to buy the shares plus the tax due on the paper gain (the spread).

Turn an RSU grant into a year-by-year vesting schedule and its after-tax value — restricted stock is taxed as income the moment it vests.

Work out how much to bank before an unpaid career break — living costs, one-off plans and a safety buffer — and how long saving it will take.

Add up your whole holiday gift budget from the number of people, an average gift, wrapping and shipping — and see the true cost per person.

See what each guest really costs by dividing your wedding budget and catering spend by the head count — the fastest way to right-size the list.

Estimate the total cost of a funeral by adding the service fee, casket or urn, burial or cremation, marker and other charges into one clear figure.

Plan a baby shower budget from the guest count, food, decorations, venue and favors — with the all-in cost per guest so you can adjust the list.

Build a birthday party budget from guests, food, venue, cake, decorations, favors and entertainment — and see the true cost per guest.

Find the monthly (and weekly) amount to save to hit your trip cost by the departure date, counting what you have already set aside.

Work out the monthly deposit that grows into your car target by the purchase date, including interest earned on the balance you build.

See how long it will take to save your home down payment from what you save each month, with interest on the balance you build.

Set the monthly amount to reserve so a worn-out appliance is fully funded by the time it needs replacing, counting what you have already saved.

See how long a medical bill takes to clear at a fixed monthly payment, plus total interest — most hospital plans are interest-free, so compare.

Estimate how long an IRS installment plan takes and what interest and penalties add, given your balance and a fixed monthly payment.

Turn the amount your budget frees up for debt into a debt-free date, with the months and total interest to get there.

Estimate a boat loan payment with down payment, trade-in, sales tax and fees, or work out how much boat a monthly budget buys, with a full amortization schedule and term comparison.

Work out the monthly payment, total interest and payoff cost of a motorhome or travel-trailer loan.

Calculate a motorcycle loan payment with down payment, trade-in, sales tax and fees, or find the bike price a monthly budget covers, with an amortization schedule, term comparison and extra-payment savings.

Compare three personal loan offers side by side — different rates and terms — and see which one truly costs the least.

Estimate the monthly payment and total interest on a home improvement or renovation loan — add a contingency buffer, your own cash and an origination fee, see the true APR, how much you can borrow for a monthly budget, extra payments, a full schedule and a side-by-side comparison with a home equity loan and HELOC.

See the monthly payment and total interest of financing a swimming pool installation.

Compare paying cash for solar panels against financing them — see the extra cost of the loan’s interest.

Add up the real lifetime cost of a timeshare — purchase, loan interest and rising annual maintenance fees.

Find the monthly payment and total interest of financing a wedding with a personal loan.

Estimate the monthly payment and total interest of financing a medical or dental bill with a loan.

Estimate what you would really save by settling debt for less than you owe, after the settlement company’s fee, account fees and tax on forgiven debt, and compare it with repaying in full.

See the monthly payment and true cost of a credit-builder loan — where the money is released only after you pay.

Compare the lifetime cost of a whole life policy against buying term and investing the premium difference over the same period.

Estimate how much monthly disability coverage you need to protect your income after any employer benefit.

Size a personal umbrella liability policy from the assets and future income you need to shield from a lawsuit.

Estimate the dwelling, personal property and liability coverage to insure your home to its rebuild cost — not its market price.

Work out how much renters insurance you need: personal property coverage from your belongings, liability for what you have to protect, loss of use for your rent, items over standard special limits, replacement cost vs actual cash value, and a rough premium.

Estimate an annual flood insurance premium from your building and contents coverage and your flood-risk zone.

See whether pet insurance pays off by comparing annual premiums against the vet bills your plan would actually reimburse.

Compare a year of dental premiums against what your plan would actually pay to see if dental coverage is worth it.

Weigh a vision plan’s premiums and copays against the eye exam, frame or contact lens allowance and lens benefits you would actually use, for one person or a family. See the net gain or loss, the break-even premium, a year with glasses vs a year with only an exam, and the effect of cheaper cash prices or paying with an FSA or HSA.

Add up the true annual cost of Original Medicare with a Medigap supplement and a Part D drug plan.

Compare COBRA continuation coverage against a subsidized ACA marketplace plan to see which costs less after leaving a job.

Compare a low-premium high-deductible plan against a high-premium low-deductible plan at your expected medical spending.

See what a child's savings will grow to by their 18th birthday from a starting balance plus a steady monthly deposit.

Find the monthly 529 contribution needed to hit a college savings target by the time your child enrolls.

Project how a UTMA or UGMA custodial account grows from an initial deposit and steady monthly investing until the child comes of age.

See what a portion of a child's weekly allowance could grow to if it were invested instead of spent.

Work out the monthly savings a teen needs to buy their first car by a target date, including any interest earned.

Add up the one-time cost of kitting out a dorm room — bedding, electronics, supplies and storage — with a contingency cushion.

Total the upfront cash needed to move into a first apartment — deposit, first month, furniture, movers and utility setup.

Size an emergency vet fund for your pets and find the monthly saving that builds it by your target date.

Estimate the total value of wedding gifts you are likely to receive from your guest count and typical gift amounts.

Plan a honeymoon fund: find the monthly saving needed to cover the whole trip by your departure date.

Add up the first year with a newborn — one-time gear plus recurring monthly costs like diapers, feeding and childcare.

Plan for adoption costs: net the expected tax credit, then find the monthly saving that funds the rest by your target date.

Add up your itemized deductions and compare them to the standard deduction to see which one lowers your taxable income more.

Estimate your 2026 Child Tax Credit — $2,200 per qualifying child and $500 per other dependent — with the income phase-out, how much is refundable (up to $1,700 per child as the Additional Child Tax Credit) and the Social Security number rules.

Estimate the Earned Income Tax Credit (EITC) from your earned income, filing status, and number of qualifying children.

Estimate the Retirement Savings Contributions Credit (Saver's Credit) worth up to 50% of what you put into an IRA or 401(k).

Estimate the American Opportunity Tax Credit (AOTC) — up to $2,500 per student for the first four years of college, with income phase-out.

See how much a Dependent Care FSA saves by paying childcare with pre-tax dollars, cutting federal, state and payroll tax.

Estimate the tax value of your mortgage interest deduction, including the $750,000 acquisition-debt limit and your marginal rate.

See how the $10,000 state-and-local-tax (SALT) cap limits your deduction and what the lost deduction costs you in tax.

See how bunching two years of charitable gifts into one lets you itemize once and still claim the standard deduction the next year.

Quantify a Health Savings Account's three tax breaks: a deductible contribution, tax-free growth, and tax-free medical withdrawals.

See how a long-term capital gain is split across the 0%, 15% and 20% brackets once it stacks on top of your ordinary income.

Estimate the tax on qualified dividends, which use the same 0%, 15% and 20% brackets as long-term capital gains.

Work backwards from a desired take-home amount to the gross pay you must run, so the net lands exactly on target after withholding.

Size a bonus so the employee nets the exact amount you promised, after federal supplemental tax, FICA and state withholding.

Add up a paycheck that mixes regular, time-and-a-half and double-time hours, with each tier and the grand total broken out.

Calculate premium pay for hours worked on a holiday, plus any regular hours, at whatever multiplier your employer offers.

Add a night, evening or weekend shift differential to a base wage and see the boosted hourly rate and total pay.

Turn a piece rate and units produced into total pay and an effective hourly wage, and check it against the minimum wage.

See what a salesperson takes home after a draw is reconciled against commission earned — and any balance still owed on a recoverable draw.

Estimate the maximum wages a creditor can garnish under the federal CCPA limit — the lesser of 25% of disposable pay or the amount above 30× the minimum wage.

Split a prevailing wage into base and fringe, and find the cash fringe you owe when the benefits you provide fall short of the required rate.

Total a trip’s per diem for lodging and meals, applying the standard 75% first-and-last-day rule to the meals allowance.

Combine mileage at the IRS standard rate with tolls, parking and other out-of-pocket costs into one total expense reimbursement.

Calculate retroactive pay owed when a raise or rate change was applied late, for hourly or salaried pay: rate difference, overtime catch-up at 1.5×, retro per pay period, total owed, estimated withholding and take-home, and a period-by-period schedule.

Find the portfolio you need at your current age so that, with zero further contributions, it grows into your full FIRE number by retirement.

See how a part-time income shrinks the portfolio you need to retire — the Barista FIRE number your investments must cover.

Compare the Lean FIRE and Fat FIRE nest eggs side by side — how much more you must save for a comfortable versus a frugal early retirement.

Find how many years a cash or savings bridge will last while you draw it down — accounting for the return it still earns.

Apply a classic age-based glidepath rule to get your target stock and bond split — "age in bonds", 100/110/120 minus age.

Work out the annual and monthly amount — and the share of your income — you must save to hit a savings goal by a set date.

See what your salary must become to keep the same purchasing power over time — and what a flat salary is really worth after years of inflation.

See how much of a fixed sum of money inflation quietly takes away — what today’s cash will actually buy years from now.

See the real cost of lifestyle inflation — what a small monthly spending increase would grow to if you invested it instead.

Turn a small daily habit into its long-term price — what your coffee, snack or app spend would grow to if invested over the years.

Total up your recurring subscriptions, project their rising cost as prices climb, and see what the money could earn if invested instead.

Set a lean spending target from your income, see the savings it frees up, and how fast a minimalist budget builds an emergency fund.

Estimate a personal injury settlement with the multiplier method — economic damages plus pain and suffering — and see a low-to-high range.

Calculate lost wages for an injury or wrongful-termination claim from your pay rate, missed time and lost benefits.

Estimate pain and suffering damages with the multiplier method or the per-diem method and compare the two figures.

Find the present-value lump sum of a structured settlement’s future payments at a given discount rate — what a buyer might pay.

See what you actually keep from a settlement after the attorney’s contingency fee and case costs are deducted.

Calculate post-judgment interest on an unpaid court judgment: per-diem interest, accrued interest and the payoff amount by days or between two dates, with state statutory rates, the federal 28 U.S.C. §1961 rule (compounded yearly), court costs and partial payments applied to interest first.

Estimate back pay for wrongful termination or unpaid wages — lost pay for the period, less any interim earnings.

Estimate your weekly workers’ compensation wage benefit for temporary total or partial disability: pick your state to use its 2026 maximum, minimum and benefit rate, or enter your own, work out your average weekly wage from salary, hourly pay or recent earnings, and see the waiting period, total over your time off, the income you lose and a 51-jurisdiction table of 2026 caps.

Add statutory interest and recoverable filing costs to a small-claims debt to see the full amount to demand.

Estimate potential savings from sending a debt-validation letter, when a collector cannot prove it owns or can document the debt.

A simplified Chapter 7 means test: compare your annualized household income to the state median to see if you likely qualify.

Calculate the current payoff on a lien — principal plus accrued daily interest and fees — with a per-diem figure for any date.

See where your household net worth ranks among US households your age and among all households, using the Federal Reserve’s 2025 Survey of Consumer Finances: percentile, median and mean for your age group, the 10th to 99th percentile thresholds and how far you are from the next milestone.

Find the share of your income you must save each year to hit your retirement number by a specific age, given what you already have invested.

Find the amount you’d need invested today so that, with no more contributions, it grows into your full retirement number by the age you choose.

Compare the wealth you’d build over 30 years by buying a home versus renting and investing the difference — home equity against a growing portfolio.

Decide whether extra cash each month should attack your mortgage or go into investments — compared fairly at the same horizon.

See what happens to your payment and total interest when you refinance into a shorter loan at a lower rate — and whether the closing costs pay off.

Weigh borrowing against your home equity to invest: the extra mortgage cost of the cash versus what that money might grow to in the market.

Check whether a renovation funded by a home equity loan pays for itself: resale value added versus the financing cost of borrowing.

Compare a 15-year and a 30-year mortgage side by side: monthly payment with taxes, insurance, PMI and HOA, total interest, closing costs, balance and equity over time, paying a 30-year on a 15-year schedule, and investing the payment difference.

Find out how many months it takes for discount points to pay for themselves through a lower mortgage rate — and the lifetime interest saved.

See how paying half your mortgage every two weeks shortens the loan and cuts total interest, versus paying once a month.

See how making just one extra full mortgage payment each year shortens your loan and slashes total interest.

Estimate the U.S. federal tax on a crypto sale — short-term at your ordinary rate, long-term at the 0/15/20% capital-gains rate.

Estimate tax on an NFT sale — short-term at your ordinary rate, long-term capped at the 28% collectibles rate when the NFT is a collectible.

Estimate the ordinary income tax on staking rewards, taxed at their fair-market value when you gain control of them.

Estimate income tax on mined crypto, taxed at fair-market value when received — plus 15.3% self-employment tax if you mine as a business.

See how much of a stock loss the wash-sale rule disallows when you rebuy within 30 days — and how much loss you can still deduct.

See what a raise really adds to your paycheck — only the dollars above the bracket line are taxed higher, not your whole salary.

Compare your marginal rate (on the next dollar) with your effective rate (on every dollar) after deductions — they are rarely the same.

Find your maximum SEP-IRA contribution for 2026 (or 2025): IRS Pub 560 worksheet for sole proprietors and partners, 25% of W-2 pay for incorporated owners, the $72,000 cap, employee contributions, tax saved, a solo 401(k) comparison and a growth projection.

Find your maximum 2026 solo 401(k) contribution: the $24,500 employee deferral, the 20% or 25% employer profit-sharing, catch-up at 50+ ($11,250 at 60–63), the $72,000 cap, a spouse, a SEP-IRA comparison and your tax saving.

Find your 2024 family HSA contribution limit, including the age-55 catch-up and a proration for partial-year HDHP coverage.

Estimate what your dependents are worth at tax time under current law — the $2,000 Child Tax Credit and $500 credit for other dependents, with phase-out.

Size your estimated-tax payments to dodge the IRS underpayment penalty — the 90%/100%/110% safe-harbor rules, split into four quarters.

See what a weekly kids allowance could grow to if it were invested every week from childhood — and how young compounding reaches a million.

Split your first paycheck the simple way — 50% needs, 30% wants, 20% savings — with real monthly and annual dollar amounts.

Add up rent, food, transport and supplies against your monthly income to see what’s left — and your student savings rate.

Find the monthly (and weekly) amount you need to save to fully fund your wedding budget by the big day.

Compare keeping your down-payment savings in cash versus investing them — see the projected difference and the risk trade-off.

Set up a sinking fund for your next car — the monthly amount to save so you can pay cash instead of financing.

Turn a points or miles redemption into a real cash value and cents-per-point, so you know if a travel award is worth it.

Add up your monthly spending by category and its cashback rate to see your annual rewards and effective return rate.

Work out the net value of a credit card sign-up bonus after the annual fee — and the return on the required minimum spend.

See how much interest a 0% balance transfer saves versus staying put — after the transfer fee — over the promo period.

Plan a 0% intro-APR balance so it’s cleared before the promo ends — the payment needed, and what a smaller payment leaves behind.

Project an invested Health Savings Account to retirement — annual contributions compounded, with its triple-tax advantage.

Work out what an overdraft really costs: per-item fees with daily caps and $-cushion waivers, extended or sustained overdraft fees, or interest at an EAR/APR with an interest-free buffer — plus the cost as an APR, a day-by-day table, the yearly cost and cheaper alternatives.

Split your monthly take-home pay into spending envelopes and see how much is left to save.

See how many months it takes to reach a savings goal from your current balance, monthly contribution and interest rate.

See how much faster you pay off a loan and how much interest you save by adding a fixed extra amount every month.

Turn a flat late fee into the effective annual interest rate it represents, so you can compare it to borrowing.

See what your salary is really worth after inflation, and the raise you need just to keep the same buying power.

Work out the monthly payment during an interest-only period and how it jumps once repayment of principal begins.

Estimate monthly private mortgage insurance, the total PMI you will pay before it is cancelled at 80%, 78% or with a new appraisal, and how much equity or extra payments it takes to get rid of it.

Convert a contractor or freelancer day rate into an equivalent yearly and monthly salary.

Apply a cost-of-living adjustment to a salary, pension or Social Security benefit: the new amount, the raise per month and per year, several years of COLAs, the COLA from two CPI values, net pay after Medicare Part B and the real change against inflation. Includes the 2027 Social Security COLA of 3.6%.

Find the monthly amount to set aside to hit a planned expense by its due date.

Work out your raise as a percentage, or your new pay from a raise percentage or amount, with hourly, weekly, biweekly, monthly and annual figures, the real raise after inflation, the after-tax gain and a multi-year salary projection.

Net salary after income tax, National Insurance, student loan and pension for England, Wales, Northern Ireland or Scotland — monthly and weekly take-home with a full deductions breakdown.

Income tax only, band by band — personal allowance (with the £100k taper), basic, higher and additional rate amounts, effective and marginal rates for England/Wales/NI.

Class 1 employee and employer NI by category letter (A, B, C, H, M, J, V, Freeport and Investment Zone), or Class 2 and 4 for the self-employed, at 2026/27 or 2025/26 rates: yearly, monthly and weekly NI, the band workings, Employment Allowance, Class 1A on benefits, the cost of employing someone and an employee vs self-employed comparison.

Stamp Duty Land Tax on a purchase in England or Northern Ireland at 2026/27 rates: home movers, first-time buyers, additional homes and buy-to-let (+5%), non-UK residents (+2%), companies and non-residential property, band by band with the payment deadline.

Land and Buildings Transaction Tax on a Scottish purchase at 2026/27 rates: home movers, first-time buyer relief, the 8% Additional Dwelling Supplement (with the 36-month reclaim), companies and non-residential property, band by band, with the 30-day deadline and an England and Wales comparison.

Land Transaction Tax on a Welsh purchase at the current Welsh Revenue Authority rates: main residential rates, the higher rates for second homes, buy-to-lets and companies, the refund when you replace your main home, non-residential and mixed property, lease rent and past rates by date, band by band, with the 30-day deadline and an England and Scotland comparison.

Monthly repayments for Plan 1, 2, 4, 5 and Postgraduate loans at 2026/27 thresholds, interest at each plan’s current rate, a year-by-year projection to payoff or write-off, a second Postgraduate loan, overpayments and salary sacrifice.

Work out UK Capital Gains Tax for 2026/27 or 2025/26 on shares, funds, crypto, a second property or a former home: the £3,000 annual exempt amount, how much of the gain fits in your basic-rate band at 18% and how much is taxed at 24%, losses, pension band extension, Business Asset Disposal Relief at 18%, and the saving from sharing a gain with your spouse.

Dividend tax for 2026/27 (10.75%, 35.75%, 39.35%) or 2025/26 after the £500 allowance, stacked on top of salary and savings: band-by-band breakdown, personal allowance taper, savings allowance, pension contributions, Scottish taxpayers, employee NI for directors and the tax at other dividend levels.

Child Benefit for your number of children and how much the High Income Child Benefit Charge claws back between £60,000 and £80,000 — plus the pension contribution that would cancel it.

Compare a salary-sacrifice pension contribution with relief at source and net pay at 2026/27 rates — take-home under each, income tax, employee and employer NI and student loan saved, the bigger sacrifice your take-home could fund, Scottish rates, minimum-wage checks and the planned 2029 £2,000 NI cap.

Statutory redundancy pay from age, years of service and weekly pay, or from exact dates: the half, one and one-and-a-half week bands, the £751 weekly cap from 6 April 2026 (£783 in Northern Ireland), the 20-year limit, statutory notice, and tax and NI on the whole package above the £30,000 tax-free threshold.

IHT on an estate with the £325,000 nil-rate band, the £175,000 residence band (and its taper above £2m), transferred spouse allowances, charitable 36% rate and gifts within seven years.

How much personal allowance you lose above £100,000, the effective 60% marginal rate, tax on a pay rise or bonus in the trap, and the pension contribution that recovers the allowance.

HMRC-approved mileage rates for cars, motorcycles and bikes — 45p/25p per mile, passenger payments, Mileage Allowance Relief if your employer pays less, and the tax saved.

Whether a couple qualifies for Marriage Allowance, the £252 a year it saves, backdating up to four years, and when the Married Couple’s Allowance applies instead.

2026 federal and provincial income tax for all 13 provinces and territories: employment, self-employment, capital gains and dividends, CPP/QPP and EI, average and marginal rates, refund or balance owing, and a province-by-province comparison.

Net pay after federal and provincial tax, CPP (including CPP2), EI and RRSP by province — per month, biweekly and per hour, with every deduction shown.

Employee and employer CPP, CPP2 and EI amounts for any salary — the 2025 ceilings and maximums, self-employed double contributions, and the month the deductions stop.

How much Old Age Security is recovered at 15% of net income above $93,454, the income at which OAS disappears, the monthly pension you keep and strategies to reduce the recovery tax.

Find your stress-test qualifying rate (the greater of your contract rate + 2% or 5.25%), the largest mortgage and home price you pass at with GDS 39% and TDS 44%, or test a specific home with CMHC insurance, condo fees and payment frequency.

Provincial land transfer tax on an Ontario home, the extra Toronto municipal tax, and first-time buyer rebates of up to $4,000 (Ontario) and $4,475 (Toronto), bracket by bracket.

British Columbia PTT at 1%, 2%, 3% and the extra 2% above $3 million, the first-time buyer exemption up to $835,000 and the newly built home exemption.

Monthly CCB from family net income and the ages of your children — the maximum amounts, the two-stage reduction above $37,487 and $81,222, and how the payment changes with income.

Canadian sales tax by province with 2026 GST, HST, PST, RST and QST rates. Add tax to a price, remove it from a tax-included total, or work back from the tax paid, with the federal and provincial parts split out, input tax credits for registrants and the same purchase in every province.

2026 tax on a capital gain in any province or territory: the 50% inclusion rate added to your other income, federal and provincial tax, marginal and effective rates, the principal residence and $1,275,000 lifetime exemptions, the 5-year reserve and a province-by-province comparison.

Income tax for Australian residents with the current brackets, the low income tax offset and the 2% Medicare levy — bracket breakdown, average and marginal rates, and tax on a pay rise.

Net pay after income tax, Medicare levy, HELP/HECS and salary-sacrificed super — fortnightly, monthly and weekly — with the 12% superannuation guarantee shown alongside.

Employer super at 12% of ordinary time earnings — per quarter and per year, the maximum contribution base, contributions tax, and how much concessional cap remains for salary sacrifice.

Compulsory HELP repayments under the new marginal system — 15% above $67,000 and 17% above $125,000 — per year and per pay, years to clear your debt with indexation, and the effect of voluntary payments.

Transfer duty on a property in NSW, Victoria, Queensland, Western Australia, South Australia or Tasmania at 2026–27 rates — first home buyer exemptions, owner-occupier concessions, new homes and vacant land, foreign purchaser surcharges and a state-by-state comparison.

Estimate LMI from your deposit and loan size — LVR, an indicative premium by LVR and loan-size band, the state duty on the premium, investor loading, the cost of adding it to the loan, the 5% Deposit Scheme price caps and how much LMI each extra slice of deposit saves.

Work out CGT on shares, crypto or property at 2026–27 rates: the 50% discount after 12 months (or from your dates), capital losses, selling costs, the main residence exemption, Medicare levy and surcharge, and what super funds, companies or foreign residents pay.

Add or remove 10% GST (divide by 11), work back from a GST amount, handle invoices with several lines and GST-free items using the ATO rounding rules, and estimate your BAS: GST on sales (1A), GST credits (1B) and the net amount to pay or refund.

Whether you owe the 1–1.5% Medicare Levy Surcharge without private hospital cover in 2026–27 or 2025–26 — your tier from single or family income, the surcharge for the days you were uncovered, and whether hospital cover after the rebate and any LHC loading would cost less.

The 17.5% leave loading on Australian annual leave — per week and for the whole leave period, the tax treatment, and what four weeks of leave pays including loading.

New Zealand income tax by bracket for 2026/27 or 2025/26 — tax on each band, ACC earners’ levy, Independent Earner Tax Credit, optional KiwiSaver and student loan, take-home pay per week, fortnight and month, your tax code, and effective and marginal rates.

Net salary in New Zealand after PAYE tax, ACC levy, KiwiSaver and student loan deductions — weekly, fortnightly and monthly pay in the hand.

Add or remove New Zealand GST at 15% (GST = inclusive price × 3/23), work back from a GST amount, total an invoice with several lines and zero-rated items, and estimate a GST return: GST on sales (box 10), GST credits (box 14) and the amount to pay or refund (box 15).

Work out compulsory New Zealand student loan repayments (12% of income above $24,128), years to repay an interest-free loan, and the effect of extra voluntary payments.

Check whether a New Zealand residential property sale falls inside the 2-year bright-line period and estimate the tax on the gain at your marginal rate.

Monthly employee and employer CPF contributions at the rates from 1 January 2026, with the $8,000 Ordinary Wage ceiling, bonus CPF under the Additional Wage ceiling, PR graduated rates, self-help group donations, take-home pay, employer cost and the OA / SA / MediSave split.

Resident individual income tax in Singapore from 0% to 24% — chargeable income after CPF relief and personal reliefs, tax by bracket, effective rate and the YA2025 60% rebate.

Add or remove Singapore GST at 9% (rate since 1 January 2024): GST inside an inclusive price (× 9/109), restaurant “++” bills with service charge and discounts, invoices with zero-rated and exempt lines, and a GST F5 return estimate of output tax, input tax and net GST.

Buyer’s Stamp Duty on Singapore residential property (1% to 6% tiers) plus Additional Buyer’s Stamp Duty by buyer profile — citizen, PR, foreigner or entity, first or subsequent property.

Hong Kong salaries tax at progressive rates (2%–17%) versus the 15% standard rate after basic, married and child allowances and MPF deduction — with the budget one-off rebate.

Mandatory Provident Fund contributions in Hong Kong — 5% employee and 5% employer on relevant income between $7,100 and $30,000 a month, capped at $1,500 each, with a retirement projection.

End-of-service gratuity for private-sector employees in the UAE — 21 days’ basic pay per year for the first five years and 30 days after, pro-rated by days, capped at two years’ salary.

End-of-service award under Saudi Labour Law Article 84–85 — half a month’s wage per year for the first five years and a full month after, reduced to one third or two thirds on resignation.

Calculate the 2.5% zakat due on cash, gold, silver, investments, business stock and receivables above the nisab — with a live gold or silver nisab threshold from today’s prices.

Add or remove VAT for GCC countries — UAE and Oman at 5%, Bahrain at 10%, Saudi Arabia at 15% — VAT amount, net price and gross total.

Income tax under the new regime for FY 2025-26 / AY 2026-27 — revised slabs, ₹75,000 standard deduction, Section 87A rebate up to ₹12 lakh with marginal relief, surcharge and 4% cess.

Compare income tax under the old regime (with 80C, 80D, HRA, home-loan interest, standard deduction ₹50,000) and the new regime (₹75,000 standard deduction, revised slabs) — see which saves more and the break-even deductions.

Tax-exempt leave encashment on retirement or resignation under Section 10(10AA) — least of actual amount, ₹25 lakh limit, 10 months’ average salary, or cash for up to 30 days per year of service.

Estimate stamp duty and registration fees on a property purchase in 15 Indian states and cities — Mumbai, Pune, Delhi, Bengaluru, Chennai, UP, Hyderabad, Gujarat, Kolkata, Haryana, Rajasthan, Kerala, MP, Punjab, Andhra Pradesh — with women’s concessions, circle value, GST on under-construction homes, a state comparison and editable rates.

Tax saved on a home loan in India — interest deduction up to ₹2 lakh under Section 24(b), principal under 80C up to ₹1.5 lakh, joint-borrower doubling, and the old vs new regime effect.

Net pay in Ireland after PAYE income tax (20%/40%), USC, PRSI and pension — monthly and weekly take-home with tax credits for single, married and one-parent households.

Universal Social Charge by band for 2025 — 0.5% to €12,012, 2% to €27,382, 3% to €70,044 and 8% above, with the €13,000 exemption, reduced rates for medical-card holders and the 11% self-employed surcharge.

Stamp duty on Irish residential property from 2 October 2024 — 1% to €1 million, 2% to €1.5 million and 6% above — plus 7.5% on non-residential property and the 15% bulk-purchase rate.

Check how much Help to Buy refund you can claim on a new home in Ireland — 10% of the price up to €30,000, limited by income tax and DIRT paid in the last four years, with the €500,000 price cap and 70% loan-to-value rule.

Add or remove VAT at the standard rate of any EU member state — Germany 19%, France 20%, Italy 22%, Spain 21%, Hungary 27%, Luxembourg 17% and all 27 countries — for 2025.

German income tax for 2026 or 2025 from the official §32a EStG tariff — from taxable income or from gross salary with 2026 social contributions — with solidarity surcharge, church tax, Splitting for married couples, child allowance vs Kindergeld and your net pay.

Tax on a child’s unearned income in a UGMA/UTMA custodial account under the 2025 kiddie-tax rules — $1,350 tax-free, next $1,350 at the child’s rate, the rest at the parents’ rate — with a comparison to a 529 plan.

Tax saved by giving to charity directly from an IRA as a qualified charitable distribution instead of taking the RMD and donating cash — for donors 70½+ who take the standard deduction, with IRMAA and Social Security effects.

Income-related monthly adjustment amounts for Medicare Part B and Part D from your modified AGI two years earlier — 2025 brackets for single and joint filers, annual surcharge, and how close you are to the next cliff.

Compare an 80/10/10 piggyback mortgage (first mortgage plus a home-equity loan or HELOC) with a single loan paying PMI — monthly payments, total interest and PMI over your horizon, the break-even PMI rate, the year the cheaper option switches, and a year-by-year schedule.

Tax on selling a rental property: unrecaptured Section 1250 gain at up to 25%, §1245 recapture at ordinary rates, the rest at 0/15/20% — from your own rates or your 2026 income and filing status — plus the 3.8% NIIT, state tax, released passive losses, cash left after the mortgage and what a 1031 exchange would defer.

Compare a high-deductible health plan (with HSA and employer contribution) against a PPO or low-deductible plan at your expected medical spending — total annual cost including premiums, deductible, coinsurance, out-of-pocket maximum and HSA tax savings, plus the break-even spending level.

How much term life insurance you need: present value of income replacement for a chosen number of years at a real return, plus debts, mortgage, education and final expenses, minus existing coverage and assets — with the coverage gap, a rule-of-thumb comparison and a rough term premium.

Project the future cost of long-term care — home care, assisted living or nursing home — from today’s local rates, care inflation, years until need and expected duration, then compare the total with a policy’s daily benefit, benefit period and inflation rider, and estimate self-funding versus premiums.

Today’s nisab in your currency from the gold (85 g) or silver (595 g) standard and current metal prices, whether your zakatable wealth exceeds it and the 2.5% due, plus zakat al-fitr (fitrana) per household member from the local staple-food price or a fixed amount.

Compare the real cost of heating with natural gas, propane, heating oil, electricity, heat pumps, firewood, pellets and kerosene per million BTU of delivered heat, accounting for appliance efficiency, plus the annual cost for your heating load and the break-even price for switching fuels.

Calculate interest on a legal claim or judgment from a number of days or from actual dates: simple or compound prejudgment interest from the loss to judgment, post-judgment interest to payment, a 365, 360 or actual-day count, costs added to the judgment, several partial payments applied interest-first, the daily per-diem amount and a dated interest schedule.

Work out a bail bond premium under common state rules (10% in most states, California 10% or 8%, Florida 10% with a $100 minimum, New York’s tiered cap, Nevada 15%, federal about 15%) and compare it with posting cash bail or a court deposit: money due now, payment plan, collateral, true cost and what is returned at the end of the case.

Estimate statutory executor (personal representative) and probate attorney fees on a graduated schedule — California, Florida, New York, Texas style — from the gross probate estate, plus court and appraisal costs, the total as a percentage of the estate, and how assets that pass outside probate (trusts, joint title, beneficiary designations) reduce the base.

Count the days you spent in a country during its tax year to test the 183-day residency threshold — enter your stays as date ranges — or run the US Substantial Presence Test with the 1/3 and 1/6 weighting of the two prior years, and see how many more days you can spend before crossing the line.

Calculate the price-to-rent ratio for a home or a city from the purchase price and the rent of a comparable property, read it against the 15 / 20 buy-versus-rent thresholds, see the implied gross yield and break-even horizon, and compare with typical ratios in major markets.

How much can you borrow against gold in India? Loan eligibility from grams, karat and today's 22K rate at the RBI loan-to-value cap (75%), interest for bullet repayment versus EMI, processing fees, the total cost of a gold loan compared with a personal loan, the price fall that triggers a margin call, and what happens at auction.

Work out advance tax for the financial year: the 15% / 45% / 75% / 100% cumulative instalments due on 15 June, 15 September, 15 December and 15 March from your estimated tax after TDS, the interest under Section 234C for shortfalls in each instalment and under 234B for paying less than 90% by 31 March, the presumptive-scheme single instalment, and how much to pay now to stop interest accruing.

Find the professional tax deducted from your salary in Maharashtra, Karnataka, Tamil Nadu, West Bengal, Andhra Pradesh, Telangana, Gujarat, Madhya Pradesh and other states from your monthly gross, the annual total (capped at ₹2,500 by the Constitution), the February or half-yearly quirks, exemptions for women and seniors, and the Section 16(iii) deduction it earns in the old tax regime.

Convert an Indian CTC offer into monthly take-home: basic and HRA split, employer and employee EPF (with the ₹15,000 wage ceiling option), EPS, ESI when gross is within ₹21,000, professional tax, gratuity accrual inside CTC, the standard deduction and FY 2025-26 new-regime income tax with the ₹12 lakh rebate, monthly TDS, and how much of the CTC never reaches your account.

Will your bank deduct TDS on fixed-deposit interest? Annual interest across your FDs, the FY 2025-26 threshold (₹50,000 per bank, ₹1 lakh for senior citizens), TDS at 10% (20% without PAN), whether you qualify to submit Form 15G or 15H to stop it, the actual tax on the interest at your slab, refund or extra tax at filing, and how splitting deposits does and does not help.

Compare a property's circle rate (ready reckoner / guideline value) with the agreed price: which value stamp duty and registration are charged on, the 10% safe-harbour, the deemed income taxed in the buyer's hands under Section 56(2)(x) and the seller's deemed sale price under Section 50C when the price is below circle rate, TDS at 1% on the higher value, and the extra cost of buying below or above the guideline.

Work out a flat's monthly society maintenance bill: per-square-foot service charges by amenity level, sinking fund (0.25% of construction cost) and repair fund (0.75%) under the model bye-laws, water and lift charges, parking, the 10% non-occupancy charge for let-out flats, 18% GST when the charge exceeds ₹7,500 a month in a society with turnover over ₹20 lakh, property tax, and the annual total per flat.

What an RV really costs to own each year and per night used: depreciation by age, loan interest, insurance, storage, maintenance and tyres, registration and campground memberships, spread over your nights of use and compared with renting for the same nights.

Add up the real yearly cost of owning a horse: boarding or at-home hay, grain, bedding and pasture upkeep, farrier visits, routine and emergency vet care, dentistry, deworming, insurance, tack and blankets, lessons, shows and hauling — with a monthly figure, cost per ride and where the money goes.

Work out what owning a light aircraft costs per flight hour: fixed costs (hangar, insurance, annual inspection, loan interest, depreciation, subscriptions) spread over your hours, plus variable costs (fuel, oil, engine and prop overhaul reserves, maintenance per hour), with the break-even against renting and partnership shares.

Convert a flat (add-on) interest rate into the equivalent reducing-balance rate (APR) and effective annual rate, with the monthly installment, total interest and how much extra the flat method really costs.

Find the interest rate of a loan from the amount borrowed, the monthly payment and the number of payments — the annual rate, the monthly rate, the effective annual rate and the rate including upfront fees.

Compare the two classic amortization methods: equal (level) payments — the French system — versus equal principal payments — the German system — with first and last payments, total interest and a yearly schedule.

Calculate a loan with a grace period: the payment during the grace months (interest-only or nothing), the balance when repayment starts, the payment afterwards and the extra interest the grace period costs.

Is it worth prepaying a loan or mortgage with a prepayment penalty? Compare the penalty — a percentage, months of interest or a flat fee — with the interest you save by shortening the term or lowering the payment.

Work out the real annual interest rate of a loan repaid in daily installments — informal “gota a gota” loans, daily-collection microloans and cash advances — with the total repaid, the cost and the effective annual rate.

Should you pay cash with a discount or buy on installments? Find the hidden interest rate of a store installment plan or “interest-free” months against the cash price, its present value and which option is cheaper.

Car dealer offer: take the cash rebate and finance at the bank’s rate, or skip the rebate for low or 0% APR financing? Compare monthly payments, total cost and the break-even rebate.

What does a credit card cash advance really cost? Add the cash advance fee, interest from day one at the cash APR (no grace period) and the ATM fee, and see the effective annual cost.

Calculate a credit card’s average daily balance for a billing cycle from the starting balance, purchases and payments by day, then the interest charged with the daily periodic rate.

How many interest-free days do you get on a credit card purchase? Enter the statement closing day and the days until the due date to find the payment due date, the best day to buy and the maximum grace period.

Convert any interest rate into its equivalents: nominal annual to effective annual, effective annual to monthly, quarterly or daily, and rates paid in advance — all compounding frequencies in one table.

Simulate a loan indexed to inflation — like UVA, UDI, UF or UVR mortgages — with a real interest rate: the first and last payment, the nominal balance over time, when it peaks and how the payment compares with your income.

Plan the 52-week savings challenge with any starting amount and weekly increase — classic or reverse order — and see the total saved, the biggest deposit, the halfway total and the full week-by-week table.

How much does the 100 envelope savings challenge save? Set the number of envelopes, the amount per envelope number and your target days to see the total, envelopes per week and the average weekly saving.

Calculate a tanda, cundina, susu or ROSCA savings circle: the payout, what you pay before and after your turn, whether your number works like an interest-free loan or interest-free savings, and its value against a savings or loan rate.

Plan a quinceañera (XV años) budget: split the total across venue, food, dress, photo and video, music, decoration, cake and more, with the cost per guest and the monthly savings needed before the party.

Calculate your own inflation rate from what you spend on housing, food, transport, utilities, health, education and leisure and how much each price rose — and compare it with official inflation and your raise.

Calculate the payoff of a precomputed loan under the Rule of 78 (sum of the digits): the interest rebate, the interest charged so far and how much more you pay than with the actuarial (simple interest) method.

Compare interest under the day-count conventions banks use — Actual/360, Actual/365, 30/360 and Actual/Actual — between two dates, and see how much extra a 360-day year (commercial year) costs.

Find your time-and-a-half (1.5×) and double-time (2×) hourly rates from an hourly wage or annual salary, the pay for your overtime hours, the premium portion and a quick pay table by hours.

Work out the pay for a partial month when you start, leave or take unpaid days: daily rate and prorated salary by calendar days, working days (Mon–Fri) or a fixed 30-day month, compared side by side.

Turn a full-time salary into the pro rata salary for part-time hours: your FTE fraction, annual, monthly and weekly pay, the hourly rate and the pro rata annual leave you are due.

Work out a prorated annual bonus for a partial year: target bonus from salary and bonus %, the share of the bonus period you were eligible (days or full months) and a performance multiplier.

Compare two job offers on more than salary: bonus, employer benefits, paid days off, weekly hours, commute cost and commute time, giving net annual value and true pay per hour worked for each offer.

Combine your base hourly wage with tips to find what you really earn per hour, how much of your pay comes from tips after tip-out, and your weekly and annual earnings for servers, bartenders and drivers.

See how many hours and workdays you must work to pay for something, using your take-home hourly pay from a wage or salary, plus the yearly work hours a weekly or monthly expense really costs you.

Work out the pay deduction for minutes late (tardiness) from a monthly salary, daily rate or hourly wage: the per-minute rate, deductible minutes after a grace period and the pay that remains.

Compare a fixed salary with a base-plus-commission plan: the break-even sales level, pay at your expected sales, how much of the pay is commission and a table of outcomes from slow to strong years.

Work out the true cost of a car title loan: the fee for each 30-day term, the APR, what you pay in total if you roll the loan over, and how much of your car’s value is on the line.

Calculate a loan origination fee, the cash you actually receive, the monthly payment and the APR including the fee — whether the fee is deducted from the loan, financed or paid upfront.

Calculate the expected credit loss of a loan or portfolio from probability of default (PD), loss given default (LGD) and exposure at default (EAD), plus the unexpected loss and risk-adjusted margin.

Discount a promissory note at a bank: maturity value, bank discount, proceeds you receive today and the true interest rate you pay, using a 360- or 365-day year.

Making a lump-sum prepayment on a loan or mortgage? Compare lowering the monthly payment with shortening the term — interest saved, new payment, months saved and any prepayment fee.

Find the price at which a crypto-backed loan gets liquidated, the health factor, current LTV, how far the price can fall, and how much to repay or add to reach a safe health factor.

See how much a loan balance grows when the payment is less than the interest: deferred interest added, balance after each month, when the balance cap triggers a recast and the payment shock afterwards.

Calculate a graduated payment mortgage or loan whose payment rises by a fixed percent each year: first and final payment, comparison with a level payment, extra interest and peak balance.

Check a “no interest if paid in full” store-card promotion: how much back interest you will be charged if a balance is left at the end, and the monthly payment that avoids it.

Compare two credit cards on what they really cost you in a year: interest on the balance you carry, annual fees and rewards earned — plus the balance at which the cheaper card changes.

Calculate the loan (mortgage) constant — annual debt service as a percent of the loan — with the payment per 1,000 borrowed, annual debt service and whether leverage is positive against a cap rate.

Estimate a hard money (fix-and-flip) loan: maximum loan from loan-to-cost and after-repair value limits, interest-only payment, points, cash needed to close and the annualized cost.

Find the maximum commercial real-estate loan a property supports under the three lender tests — loan-to-value, debt service coverage (DSCR) and debt yield — and which one limits the loan.

Should you finance a purchase now or save up first? Compare the total cost of a loan with saving the same monthly payment, including interest on savings and price inflation.

Convert a salary between countries by purchasing power parity: the salary with the same buying power abroad, the market-rate conversion and how much cheaper or dearer living costs are there.

See what a pay cut means in money: new annual salary, pay lost per year and month, the raise needed to get back to your old pay and your hourly rate if your hours are reduced too.

Estimate how much you will earn over your whole career from your starting salary, average yearly raise and years of work — in total and in today’s money after inflation.

Estimate the take-home on a lottery or prize win with your own tax rates: lump-sum cash option after tax, tax withheld vs still owed, and the annuity payments after tax.

Find out how much you earn every second, minute, hour, workday, week and month from your annual salary and working hours — plus what you earn per second around the clock.

Work out how much you can safely spend per day until your next payday after bills still due and the money you want to save — plus a weekly limit and any shortfall to cover.

Split an annual salary into 12, 13, 14, 15 or 16 payments: each monthly payment, each extra payment, and the monthly pay when the extra payments are prorated into every month.

Compare a tax credit with a tax deduction at your marginal tax rate: how much tax each saves, which is worth more, the deduction needed to match the credit and whether the credit is refundable.

Compare the tax on your income under a flat tax and a progressive bracket system you define: tax and effective rate under each, take-home pay, your top bracket and which one costs you less.

Work out the living wage for your own household budget: the hourly wage and gross yearly income needed to cover housing, food, transport, childcare, health and other essentials after tax.

Compare two money transfer providers for sending money abroad: how much the recipient gets, the fee plus exchange-rate markup, the total cost in percent and which option is cheaper.

Should you take a one-time bonus or a permanent raise? Compare the bonus with the extra pay a raise brings over the years you expect to stay, after tax, and see when the raise catches up.

Should you work overtime or take a second job? Compare weekly take-home pay after tax, work costs and unpaid travel time, the take-home per hour of your time and the hourly pay a second job must offer.

Calculate the payout for unused vacation or paid time off when you leave a job: daily and hourly rate from your salary, payout before and after tax, in days or hours of leave.

Calculate the modified internal rate of return (MIRR) of a series of cash flows with separate finance and reinvestment rates — the same result as Excel’s MIRR — and compare it with the IRR and NPV.

Split your take-home pay with the 70/20/10 budget rule — 70% for living expenses, 20% for savings and 10% for debt or giving — or switch to the 60/20/20 or 80/20 rule and compare with what you save now.

See how much to set aside the moment you get paid, what is left for bills and guilt-free spending, and how your pay-yourself-first savings grow over the years with compound returns.

Estimate your human life value — the present value of the income your family would lose if you died today — and how much life insurance you need on top of the cover you already have.

Check whether a property claim will be cut by the coinsurance clause: the insurance you should carry, the reduced payout if you are underinsured, the penalty and what you pay yourself.

Calculate prorated rent for a move-in or move-out in the middle of the month — by actual days in the month, by a yearly daily rate or a 30-day banker’s month — plus what is due on move-in day.

A penny doubled every day for 30 days — or any amount for any number of days. See the balance on the last day, the running total, the day it passes a lump sum, and which offer wins.

Estimate what it costs to raise a child to 18 (or any age) by category — housing, food, childcare, transport, health and clothing — with inflation and the USDA family-size adjustment.

Estimate the actual cash value of a damaged or stolen item — replacement cost minus depreciation — and compare what an ACV policy and a replacement-cost policy would pay after the deductible.

Find the right term length for life insurance — 10, 15, 20, 25, 30, 35 or 40 years — from when your youngest child becomes independent, when the mortgage is paid off and when you retire.

Get a 0–100 financial health score from five key ratios — savings rate, emergency fund, debt payments to income, debt to assets and monthly cash flow — and see which one to fix first.

Decide whether to file a car or home insurance claim or pay it yourself: compare the payout after the deductible with the extra premiums a claim surcharge would cost over the next years.

Divide a home’s price by your gross household income to get the price-to-income ratio, its Demographia affordability rating, the loan-to-income ratio and the price you can afford at 3× income.

Budget on a variable or freelance income: pay yourself a steady salary based on your lowest month, set aside tax, and see how big an income buffer to build and how long it will take.

What would a stay-at-home mom or dad earn if paid market wages? Price the hours of childcare, cooking, cleaning, driving, household management and tutoring — and the life cover needed to replace them.

Can your family live on one income? Subtract childcare, commuting and other work costs from the second paycheck to see what it is really worth, and whether one income covers your expenses.

Is return-of-premium (ROP) term life insurance worth it? Compare the refund at the end of the term with buying standard term and investing the difference, and see the return the ROP rider really earns.

Plan a month the kakeibo way: income minus fixed costs and your savings goal gives the money you can spend, split by week into the four pillars — needs, wants, culture and extras.

Model a wraparound mortgage (wrap loan) in seller financing: the buyer’s wrap payment, the seller’s payment on the underlying loan, the seller’s monthly spread and the seller’s effective yield on equity.

Compare assuming a seller’s low-rate mortgage (plus cash or a second loan to cover the seller’s equity) with taking a new mortgage at today’s rate — monthly payments, gap financing and savings.

Calculate a home or property’s price per square foot or per square meter, convert between the two, and compare it with a comparable sale to estimate value and over- or under-pricing.

Calculate combined loan-to-value (CLTV) and HELOC-adjusted HCLTV from your home value, first mortgage, home equity loan and HELOC, plus how much more you could borrow at a lender’s CLTV limit.

Estimate the penalty for cashing out a certificate of deposit early — months of interest forfeited — the interest earned so far, what you get back, whether principal is lost and when the CD breaks even.

Calculate interest per day on a savings balance or loan from the annual rate, using a 365- or 360-day year, and the interest for any number of days with simple or daily compounding.

Project a fixed indexed annuity year by year from index returns with its cap rate, participation rate, spread and 0% floor, and compare the credited value with investing in the index directly.

Calculate a 2-1, 3-2-1, 1-1 or 1-0 temporary mortgage rate buydown: reduced payments in the first years, the full payment afterwards and the upfront subsidy the seller or lender must fund.

Solve any time value of money problem like a financial calculator: find the future value, present value, payment, number of periods or interest rate from the other four, with payments at the start or end of each period.

Compare two machines, vehicles or appliances with different prices and lifespans: the equivalent annual cost (EAC) turns purchase price, salvage value and running costs into one comparable yearly cost.

Find the discount factor for any rate, time and compounding frequency — including continuous compounding — and the present value of a future amount, with a year-by-year discount factor table.

Calculate the monthly payment of an equipment or financial lease from the cost, purchase option (residual value), interest rate and term — with payments in advance or in arrears, tax on payments and the total cost.

Should you pay off a purchase or balance with your credit card or take a personal loan? Compare the interest, fees, monthly payment and payoff time of both and see how much the cheaper option saves.

Calculate what credit life (loan protection) insurance adds to a loan: the monthly premium on the outstanding or original balance, the total insurance cost and the annual rate including insurance.

How much should you have saved for retirement at your age? Compare your savings with the widely used salary-multiple benchmarks — 1× salary by 30, 3× by 40, 6× by 50, 8× by 60 and 10× by 67.

How much interest does your money earn per month? See the monthly, daily and yearly interest on a deposit after tax, how much you can spend while keeping up with inflation, and the deposit needed for a target income.

Calculate the present value of a deferred annuity — a series of payments that starts after a waiting period — or the payment a lump sum invested today can fund later, with payments at the start or end of each period.

Find the present value, future value and equivalent uniform series of cash flows that grow (or shrink) by a fixed amount each period, using the engineering-economics P/A, P/G and A/G factors.

Calculate the interest, maturity value and maturity date of a simple-interest promissory note from the principal, rate, issue date and term in days — plus late (default) interest if it is paid after the due date.

Should you save in your local currency or in dollars (or euros)? Compare a local deposit with a foreign-currency deposit after exchange costs and expected depreciation, and find the break-even depreciation rate.