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100 TOOLS

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Finance

Mortgage

Estimate your full monthly home payment and see where the money goes.

Compound Interest

Project how savings can grow with recurring contributions and compound returns.

Loan Payment

Estimate a fixed loan payment, total interest and total repayment cost.

Auto Loan

Estimate car financing after tax, down payment and trade-in value.

Mortgage Payoff

See how extra monthly payments can shorten a mortgage and reduce interest.

Savings Growth

Project a savings balance using APY, regular deposits and time.

Retirement

Estimate a retirement balance and a planning-level annual withdrawal.

Salary

Convert hourly pay into weekly, monthly and annual gross and estimated net income.

Investment Growth

Project investment growth from an initial balance, monthly contributions and return.

Inflation

Estimate a future price and the changing purchasing power of money over time.

Amortization

Build a complete loan amortization schedule with optional extra payments.

House Affordability

Estimate an affordable home price from income, debts, down payment and housing costs.

Net Worth

Calculate assets minus liabilities and understand your personal balance sheet.

Emergency Fund

Estimate how much cash to reserve for essential monthly expenses.

Credit Card Payoff

Estimate the fixed monthly payment needed to amortize a credit-card balance, plus total interest and total repayment cost.

Debt-to-Income Ratio

Calculate the debt-to-income ratio (DTI) lenders use to compare recurring monthly debt payments with gross monthly income.

Debt Snowball

Estimate payoff time when extra cash is focused on the smallest debt first.

Debt Avalanche

Estimate payoff time while prioritizing the highest-interest debt first.

APR

Estimate annual percentage rate from interest and upfront borrowing fees.

APY

Convert a nominal annual rate and compounding frequency into APY.

Interest Rate

Find a simple annual interest rate from principal, interest and time.

Simple Interest

Calculate interest that does not compound over the selected term.

Mortgage Refinance

Estimate the new principal-and-interest payment after refinancing and compare it with your current mortgage payment.

Mortgage Closing Cost

Estimate closing costs as a percentage of a home purchase price.

Mortgage Points

Calculate the upfront dollar cost of mortgage discount points.

Rent vs Buy

Compare an annualized rent cost with an estimated ownership cost including monthly housing cost and home-value appreciation.

Down Payment

Convert a target down-payment percentage into cash and loan amounts.

PMI

Estimate monthly private mortgage insurance from balance and annual PMI rate.

Property Tax

Estimate annual and monthly property tax from assessed value and tax rate.

Home Equity

Calculate home equity and loan-to-value from value and mortgage balance.

HELOC Payment

Estimate an interest-only monthly HELOC payment from your balance and annual rate.

Biweekly Mortgage

Estimate a biweekly payment from a standard monthly mortgage payment.

Extra Mortgage Payment

Estimate annual extra principal created by a recurring extra payment.

Reverse Mortgage

Estimate a planning-level reverse-mortgage borrowing limit from home value.

Personal Loan

Calculate a fixed personal-loan payment, total repayment and total interest from the amount, APR and term.

Student Loan

Estimate the standard fixed payment and lifetime interest for a student-loan balance using a stated rate and repayment term.

Boat Loan

Estimate monthly payments for a boat purchase loan.

RV Loan

Estimate monthly payments and total interest for recreational vehicle financing.

Motorcycle Loan

Estimate a fixed monthly motorcycle loan payment and total borrowing cost.

Line of Credit

Estimate an interest-only monthly payment on a revolving credit balance.

Loan Comparison

Compare the monthly payment for two interest rates on the same loan.

Debt Consolidation

Estimate the payment on a single fixed-rate consolidation loan.

Loan Affordability

Estimate principal supported by a monthly payment, rate and term.

Hourly to Salary

Convert an hourly wage to weekly, monthly and annual gross pay using scheduled hours and paid working weeks.

Salary to Hourly

Convert annual salary into an equivalent hourly wage.

Overtime

Calculate weekly overtime pay using an overtime multiplier.

Paycheck

Estimate take-home pay from gross pay and a combined deduction rate.

Take-Home Pay

Estimate annual take-home pay by subtracting a combined percentage for taxes, payroll deductions and benefits from gross salary.

Bonus Tax

Estimate bonus take-home amount after a selected withholding rate.

Pay Raise

Calculate a new annual salary and pay increase after a percentage raise.

Commission

Calculate sales commission from eligible revenue and commission rate.

Severance Pay

Estimate severance from weekly pay and offered weeks.

Cost of Living

Estimate the salary needed after moving to a location with different costs.

CAGR

Calculate compound annual growth rate between a starting and ending value.

Dividend

Estimate annual dividend income from shares owned and dividend per share.

Dividend Yield

Calculate dividend yield from annual dividend and current share price.

Stock Average

Calculate the weighted average cost across two stock purchases.

Capital Gains

Calculate investment gain before tax from proceeds and cost basis.

Bond Yield

Estimate current bond yield from annual coupon and market price.

Real Return

Adjust a nominal investment return for inflation and purchasing power.

Portfolio Return

Estimate a two-asset weighted portfolio return from returns and allocation weights.

Income Tax

Estimate tax on a selected taxable-income amount using one stated effective rate for fast budgeting and scenario comparisons.

Self-Employment Tax

Estimate self-employment tax from net self-employment income and tax rate.

Capital Gains Tax

Estimate tax on a taxable capital gain using a planning-level tax rate.

Tax Bracket

Estimate tax at a selected marginal rate for planning.

Tax Refund

Compare tax payments and credits with estimated tax liability.

Tip Income Tax

Estimate the tax reserve needed for reported tip income and planning.

Business

Profit Margin

Turn revenue and costs into profit, margin and cost ratio instantly.

Return on Investment

Measure the gain, return percentage and annualized result of an investment.

Break-even

Find the sales volume and revenue needed to cover fixed and variable costs.

Markup

Compare selling price, profit, markup and margin without mixing them up.

Business Loan

Estimate payment and borrowing cost for a fixed-rate business loan.

Freelance Rate

Estimate an hourly freelance rate from income target and billable hours.

Gross Profit

Calculate gross profit from revenue and cost of goods sold.

Net Profit

Calculate net profit after all business costs and operating expenses.

Contribution Margin

Calculate contribution margin from sales and variable costs.

Operating Margin

Calculate operating margin as operating income divided by revenue.

EBITDA

Estimate EBITDA by adding interest, tax, depreciation and amortization to net income.

Cash Flow

Calculate net cash flow from cash received and cash paid.

Inventory Turnover

Calculate how often average inventory is sold during a period.

Product Price

Set a selling price from unit cost and target markup.

Customer Acquisition Cost

Calculate marketing and sales spend per new customer.

Customer Lifetime Value

Estimate customer lifetime value from order value, purchases and lifespan.

Payroll Tax

Estimate employer payroll tax from taxable payroll and a combined rate.

VAT

Add value-added tax to a net price and see the tax amount and gross total.

GST

Add goods and services tax to a pre-tax amount and estimate the gross total.

Quarterly Tax

Divide estimated annual tax into four planning payments.

Everyday

Tip & Split Bill

Calculate a tip and split the final bill without awkward table math.

Date Difference

Count the exact time between two calendar dates.

Discount

Find the sale price, savings and after-tax total in seconds.

Age

Calculate exact age in years, months and days between two calendar dates.

Sales Tax

Calculate sales tax, after-tax price and reverse a tax-inclusive total.

Home & Build

Paint

Estimate wall area, paint gallons and a practical purchase amount.

Concrete

Estimate concrete volume with a practical waste allowance in US or metric units.

Flooring

Estimate floor area, material with waste and the resulting material cost.

Health

BMI

Estimate body mass index and see the standard adult screening range.

Calorie Needs

Estimate daily calories from age, sex, height, weight, activity and weight goal.

Body Fat

Estimate body-fat percentage with the U.S. Navy circumference method.

Math

Percentage

Solve the most common percentage question in one step.

Unit Conversion

Convert common length, weight, volume and temperature units instantly.