Finance calculators
Plan payments, savings and your financial future. Every tool is free, fast and private.
选择计算器
67 tools available now.
Mortgage
估算完整的每月住房付款，并了解各项费用去向。
复利
预测储蓄如何通过定期投入和复合回报增长。
贷款还款
估算固定贷款还款额、总利息和总还款成本。
汽车贷款
估算计入税费、首付和旧车折抵后的汽车融资金额。
房贷提前还款
了解每月额外还款如何缩短房贷期限并减少利息。
储蓄增长
使用年收益率、定期存款和时间预测储蓄余额。
Retirement
估算退休余额及用于规划的年度提款金额。
Salary
将时薪换算为周薪、月薪、年税前收入以及估算税后收入。
投资增长
根据初始余额、每月投入和回报率预测投资增长。
Inflation
估算未来价格以及货币购买力随时间的变化。
Amortization
建立完整的贷款摊还计划，并可加入额外还款。
购房负担能力
根据收入、债务、首付和住房成本估算可负担房价。
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.
使用清晰可见的假设进行规划
Finance calculators are most useful when the assumptions are explicit. Review the rate, term, timing and fees before relying on any estimate.
Use multiple scenarios instead of treating one result as a prediction. Small changes in interest rates, time and recurring contributions can create large long-term differences.