Finance Calculators
106 free tools for loans, debt payoff, salary, investing ratios, real estate, and budgeting.
Loans & Mortgages
Auto Loan Calculator
Monthly car loan payment and total interest.
Auto Refinance Calculator
Compare refinance savings on vehicle loans.
Boat Loan Calculator
Estimate monthly boat loan payments.
Balloon Mortgage Calculator
Payment schedule with balloon balance at term end.
Adjustable Rate Mortgage Calculator
Model ARM payments with rate adjustment.
Biweekly Mortgage Payment Calculator
Compare biweekly vs monthly mortgage payments.
APR Calculator
Compare loan APR including fees.
FHA Loan Calculator
Monthly FHA mortgage payment with low down payment.
VA Loan Calculator
VA home loan payment with zero down options.
USDA Loan Calculator
USDA rural development loan payment estimate.
Jumbo Loan Calculator
Payment on jumbo mortgages above conforming limits.
Interest Only Mortgage Calculator
Monthly payment during interest-only mortgage period.
Mortgage Payoff Calculator
Months to pay off mortgage with extra payments.
Mortgage Points Calculator
Break-even on buying discount mortgage points.
PMI Calculator
Estimate private mortgage insurance monthly cost.
Reverse Mortgage Estimator
Estimate reverse mortgage proceeds by age and home value.
Maximum Mortgage Calculator
Max loan amount from income, DTI, and rate.
Motorcycle Loan Calculator
Monthly motorcycle loan payment and interest.
RV Loan Calculator
Recreational vehicle loan payment estimate.
Loan Calculator
Generic amortizing loan payment and total interest.
Down Payment Savings Calculator
Months to save target down payment.
Debt & Credit
Debt-to-Income (DTI) Ratio Calculator
Calculate mortgage DTI from monthly debt and gross income.
Debt Snowball Calculator
Plan smallest-balance-first debt payoff strategy.
Debt Avalanche Calculator
Compare highest-interest-first debt payoff savings.
Debt Consolidation Calculator
Compare consolidated loan payment vs separate debts.
Debt Ratio Calculator
Total debt divided by total assets percentage.
Credit Card Minimum Payment Calculator
Estimate payoff time on minimum credit card payments.
Payday Loan APR Calculator
Convert short-term loan fees to annual APR.
Debt Settlement Calculator
Compare settlement offer vs full balance payoff.
Balance Transfer Calculator
Savings from transferring card balance.
Salary & Payroll
Hourly to Salary Converter
Convert hourly wage to annual salary.
Salary to Hourly Converter
Convert annual salary to hourly rate.
Hourly Wage Calculator
Compute hourly pay from weekly earnings and hours.
Overtime Pay Calculator
Calculate pay with regular and overtime hours.
Annual Salary Calculator
Annualize weekly or monthly pay amounts.
Bonus Tax Calculator
Estimate tax withholding on bonus payments (simplified).
Freelance vs W-2 Calculator
Equivalent W-2 salary for freelance contract rate.
Commission Pay Calculator
Total pay from sales commission rate.
Paycheck Tax Calculator
Estimate paycheck after simplified tax withholding.
Investing & Markets
Debt to Equity Ratio Calculator
Compute debt-to-equity for balance sheet analysis.
Annuity Payout Calculator
Monthly income from annuity principal and rate.
Bond Valuation Calculator
Price bond from coupon, yield, and maturity.
Bond Convexity Calculator
Simplified bond convexity estimate.
Bond Duration Calculator
Macaulay duration approximation for bonds.
Current Yield Calculator
Annual coupon divided by bond price.
Yield to Maturity Calculator
Approximate YTM from price, coupon, and years.
Yield to Call Calculator
Yield if bond is called before maturity.
P/E Ratio Calculator
Price-to-earnings from share price and EPS.
P/B Ratio Calculator
Price-to-book value per share.
P/S Ratio Calculator
Price-to-sales per share ratio.
Dividend Discount Model Calculator
Intrinsic value from dividend growth model.
WACC Calculator
Weighted average cost of capital.
APY Calculator
Convert APR to APY with compounding.
Time Value of Money Calculator
Future value from present value and rate.
Annualized Return Calculator
Convert total return to annualized rate.
Customer Lifetime Value (LTV) Calculator
Estimate customer lifetime value from ARPU, margin, and churn.
Days Sales Outstanding (DSO) Calculator
Average days to collect accounts receivable.
401(k) Growth Calculator
Project 401(k) balance with contributions and returns.
Roth 401(k) Calculator
Compare Roth 401(k) growth vs traditional.
IRR Calculator
Internal rate of return from cash flow series.
NPV Calculator
Net present value of future cash flows.
CAGR Calculator
Compound annual growth rate between values.
EBITDA Calculator
Earnings before interest, taxes, depreciation, amortization.
Black-Scholes Calculator
European call option price estimate.
ARR Calculator
Annual recurring revenue from MRR.
Business Valuation Calculator
Simplified business valuation multiple.
CAPM Calculator
Expected return from CAPM model.
CPC Calculator
Cost per click from ad spend and clicks.
CPM Calculator
Cost per thousand ad impressions.
CTR Calculator
Click-through rate from clicks and impressions.
CAC Calculator
Customer acquisition cost from marketing spend.
EPS Calculator
Earnings per share from net income.
Effective Interest Rate Calculator
APR to effective annual rate.
Future Value Calculator
Future value from present value and rate.
Interest Coverage Ratio
EBIT divided by interest expense.
Nominal Interest Rate Calculator
Nominal rate from real rate and inflation.
Real Interest Rate Calculator
Real return after inflation adjustment.
ROA Calculator
Return on assets percentage.
ROE Calculator
Return on equity percentage.
ROIC Calculator
Return on invested capital.
ROI Calculator
Return on investment percentage.
ROAS Calculator
Return on ad spend from revenue.
Roth IRA Calculator
Roth IRA growth projection.
Traditional IRA Calculator
Traditional IRA growth with tax-deferred returns.
Real Estate
Cap Rate Calculator
NOI divided by property value for rentals.
Cash on Cash Return Calculator
Annual pre-tax cash flow vs cash invested.
DSCR Calculator
NOI divided by annual debt service for lenders.
BRRRR Strategy Calculator
Buy rehab rent refinance repeat cash flow.
Closing Costs Estimator
Estimate buyer closing costs on home purchase.
Commercial NOI Calculator
Net operating income for commercial property.
Property Tax Estimator
Annual property tax from assessed value.
Rental Property ROI Calculator
Return on investment for rental property.
Budgeting & Planning
Capital Gains Tax Calculator
Estimate capital gains tax on investment sale.
FIRE Calculator
FIRE number from annual spending and withdrawal rate.
Early Retirement FIRE Simulator
Model drawdown years for retirement nest egg.
Retirement Nest Egg Calculator
Years savings last with withdrawals and returns.
50/30/20 Budget Calculator
Split income into needs, wants, and savings.
Budget Planner Calculator
Monthly budget totals from category inputs.
Break-Even Point Calculator
Units to sell to cover fixed and variable costs.
Contribution Margin Calculator
Revenue minus variable costs per unit.
COGS Calculator
Cost of goods sold from inventory change.
Estate Tax Estimator
Simplified estate tax on inheritance.
GST Calculator
GST amount from base price and rate.
Gross Margin Calculator
Gross margin percent from revenue and COGS.
Sales Tax Calculator
Sales tax from price and rate.
VAT Calculator
VAT amount from net or gross price.
About the Finance Calculators
This finance calculators helps you model financial decisions with accurate formulas and clear outputs. Browse loan, debt, salary, investing, and budget calculators.
Use when comparing loan terms, investment returns, taxes, or savings scenarios before making money decisions.
Adjust the inputs above to model your specific scenario with the Finance Calculators.
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