All calculators

15 free calculators plus a take-home pay calculator for every state. No sign-up, nothing stored about you, and every result can be shared, printed or downloaded.

Buying a home

Payments, affordability, refinancing and renting.

MortgageYour real monthly payment — principal, interest, taxes, insurance, HOA and PMI — plus what extra payments save.Home affordabilityThree honest price ranges based on your income, debts and down payment — using the same debt-to-income rules lenders use.Refinance break-evenFind out if refinancing pays off — and exactly which month you break even, counting closing costs and the term reset.Rent vs buyA fair, year-by-year comparison of renting and buying — and the year buying starts to win (if it does).

Loans

Car and personal loans with fees and taxes counted.

Auto loanYour car payment with trade-in, negative equity, sales tax and fees counted — and how 36 to 84 months compare.Personal loanYour monthly payment and the true cost of the loan once the origination fee is counted.

Paying off debt

Credit cards and multi-debt payoff plans.

Credit card payoffHow long until your card is paid off, what the minimum payment trap costs, and the payment that clears it by your deadline.Debt snowball vs avalancheNewPut every debt in, add what you can spare, and see which payoff order gets you debt-free sooner and cheaper.

Saving & investing

Growth, goals and CDs.

Compound interestWatch a starting amount and regular deposits grow, in future dollars and in today's dollars.Savings goalHow much to set aside each month (or paycheck) to hit a goal on time — or how long your current pace will take.CDWhat a certificate of deposit earns, what breaking it early costs, and whether it beats high-yield savings.

Retirement

401(k) and retirement readiness.

RetirementWhether your savings will last as long as you do — and the monthly amount that closes any gap.401(k)NewWhat your 401(k) could grow to, how much your employer adds, and whether you're missing free match money.

Paychecks & taxes

Take-home pay and hourly conversions.

Salary to hourlyTurn any pay rate into every other one, and see what it really comes to after taxes.Paycheck (take-home pay)Your take-home pay after every 2026 tax and deduction — federal, state, local, FICA and payroll programs.

Paycheck calculators by state

2026 take-home pay with each state's own taxes and payroll programs.