Mortgage, loan, savings, investment, retirement, tax and salary calculators — every tool runs privately in your browser with the formula shown, so you can check the math yourself. 165 tools, grouped by topic.
Mortgage & home buying
Monthly payment, amortization, affordability and the closing costs that sit around a home purchase.
- Mortgage CalculatorFree mortgage calculator.
- Mortgage Amortization CalculatorCalculate your monthly mortgage payment, total interest, and see how principal vs interest split changes…
- Amortization CalculatorCalculate your monthly loan payment, total interest, and total paid.
- Mortgage Payoff CalculatorSee how extra monthly payments shorten your mortgage.
- Refinance CalculatorCompare your current mortgage to a refinance: see the new monthly payment, monthly savings, closing costs…
- House Affordability CalculatorEstimate the maximum home price you can afford from your income, monthly debts, down payment, mortgage…
- Down Payment CalculatorCalculate your home down payment from price and percent (or the reverse), see your loan amount, and check…
- Closing Cost CalculatorEstimate home buyer closing costs from your purchase price, down payment and closing-cost rate.
- FHA Loan CalculatorEstimate your FHA mortgage payment: principal & interest plus monthly MIP (0.55%/yr) and financed upfront…
- VA Mortgage CalculatorEstimate a VA home loan payment with zero down.
- Mortgage Calculator (UK)Work out your UK repayment mortgage in GBP.
- Canadian Mortgage CalculatorCalculate your Canadian mortgage payment with semi-annual compounding.
- HELOC CalculatorEstimate HELOC interest-only and principal-plus-interest payments from your balance, rate, and draw/repay…
- Home Equity Loan CalculatorEstimate how much home equity you can borrow and the fixed monthly payment, total interest, and total cost…
- Stamp Duty CalculatorEstimate UK stamp duty (SDLT) on a home in England or Northern Ireland.
- Stamp Paper Calculator (Rent Agreement)Work out the stamp paper value for a rent agreement in Maharashtra, Delhi, Karnataka, UP, Tamil Nadu or…
Loans & financing
Personal, auto, business and student loans — payment schedules, APR, and lease-versus-buy comparisons.
- Loan CalculatorFree loan calculator.
- Personal Loan CalculatorCalculate your personal loan monthly payment, total interest, and total cost from the loan amount, annual…
- Auto Loan CalculatorEstimate your monthly car payment from price, down payment, trade-in, sales tax, term, and rate.
- Car EMI CalculatorEstimate your car loan monthly payment (EMI) from the loan amount, interest rate and term.
- EMI CalculatorCalculate the EMI on any home, personal or education loan from amount, interest rate and tenure in years.
- Boat Loan CalculatorEstimate your monthly boat loan payment, total interest, and total cost from the boat price, down payment,…
- Business Loan CalculatorCalculate monthly payment, total interest, and total cost for a business loan from amount, rate, term, and…
- Student Loan CalculatorEstimate your student loan monthly payment, total interest, and payoff date from the amount, rate, and term.
- Payment CalculatorSolve a loan's monthly payment from amount, rate and term, or flip it to find the payoff term needed for a…
- Loan Repayment CalculatorCalculate your monthly loan repayment from amount, interest rate, and term, plus see total interest and…
- Interest Rate CalculatorFind the interest rate and APR of a loan from its amount, monthly payment, and term.
- APR CalculatorFind the true APR of a loan including upfront fees.
- Lease CalculatorEstimate a monthly lease payment from asset price, residual value, money factor or APR, term and sales tax.
- Auto Lease CalculatorEstimate your monthly car lease payment from MSRP, negotiated price, residual, money factor, term and tax.
- Cash Back or Low Interest CalculatorCompare an auto cash rebate against a low-APR financing offer to see which deal gives you the lower total…
Debt & credit cards
Payoff timelines, consolidation math and the debt-to-income ratio lenders look at.
Savings & interest
CDs, savings accounts and compound interest — how deposits grow and what inflation takes back.
- CD CalculatorCalculate Certificate of Deposit maturity value, total interest earned, and effective return from your…
- Savings CalculatorProject the future value of your savings from an initial amount, monthly deposits, interest rate and time.
- Compound Interest CalculatorCalculate compound interest growth with A=P(1+r/n)^(nt) plus optional recurring contributions.
- Simple Interest CalculatorCalculate simple interest with I = P x r x t.
- Interest CalculatorCalculate interest earned on a principal over time with regular contributions and compounding.
- Future Value CalculatorProject the future value of a lump sum plus recurring contributions.
- Present Value CalculatorFind what a future amount is worth today.
- Inflation CalculatorSee how inflation changes the value of money over time.
- Finance Calculator (TVM)Time Value of Money solver.
- Budget CalculatorBuild a 50/30/20 budget from your monthly after-tax income, with needs, wants, and savings targets plus…
- Net Worth CalculatorCalculate your net worth: add up home, vehicles, cash, investments and retirement accounts, subtract every…
- College Cost CalculatorProject the future cost of college with education inflation and find the monthly savings needed to fully…
Investing & returns
ROI, IRR, average return, bonds, funds, SIPs and crypto — measure what an investment actually earned.
- Investment CalculatorProject the future value of an investment from a starting amount, recurring contributions, return rate and…
- ROI CalculatorCalculate return on investment (ROI), net profit, and annualized ROI from your cost, final value, and…
- IRR CalculatorCalculate the Internal Rate of Return (IRR) from an initial investment and a series of cash flows.
- Average Return CalculatorCalculate CAGR (compound annual growth rate) from start value, end value, and years, plus the arithmetic…
- Payback Period Calculator (Formula)Find how many years to recoup an investment.
- Bond CalculatorCalculate a bond's price from face value, coupon rate, market yield (YTM) and years to maturity.
- Mutual Fund CalculatorProject the future value of a mutual fund with monthly contributions and annual return, net of the expense…
- SIP CalculatorEstimate the maturity value of a monthly SIP from the amount, expected return and years.
- SWP CalculatorSee how long your corpus lasts with a monthly SWP.
- Stock Average CalculatorFind your average stock price across two buys.
- Crypto Profit CalculatorCalculate crypto trading profit after exchange fees and tax.
- Capital Gains Tax CalculatorEstimate your 2025 US long-term capital gains tax.
- Currency ConverterCurrency converter that uses the exchange rate you enter: type an amount and rate, flip direction, and see…
Retirement & pensions
401(k), IRA, annuities, Social Security and FIRE planning, plus India's NPS, PPF, EPF and gratuity rules.
- Retirement CalculatorProject your retirement nest egg from current age, savings, monthly contributions and expected return.
- 401(k) CalculatorProject your 401(k) balance at retirement from salary, contribution %, employer match, return rate and years.
- IRA CalculatorProject your traditional IRA balance from a starting amount, annual contributions, years and expected return.
- Roth IRA CalculatorProject your tax-free Roth IRA balance from annual contributions, years to grow and expected return.
- RMD CalculatorEstimate your IRS Required Minimum Distribution from a retirement account using the Uniform Lifetime Table…
- Pension CalculatorEstimate your annual and monthly pension from years of service, a benefit multiplier, and your final…
- Annuity CalculatorCalculate the future value and present value of an annuity from your payment, interest rate, and number of…
- Annuity Payout CalculatorFind the periodic annuity payout that fully depletes your starting balance over a set number of years at a…
- Social Security CalculatorEstimate your monthly Social Security benefit from average indexed monthly earnings using the 2024…
- FIRE CalculatorFind your FIRE number and the age you can retire early.
- NPS CalculatorEstimate your NPS corpus at 60, the tax-free lump sum and monthly pension from your contribution, age and…
- PPF CalculatorCalculate your PPF maturity value from yearly deposits at the current 7.1% rate.
- EPF CalculatorProject your EPF corpus at retirement from salary, age and the 8.25% FY 2024-25 rate.
- PF Interest CalculatorEstimate the EPF interest credited for one financial year on your opening balance and monthly…
- Gratuity CalculatorCalculate gratuity under the Payment of Gratuity Act from your last drawn basic + DA and years of service,…
- Leave Encashment CalculatorCalculate leave encashment received on retirement and the Section 10(10AA) tax exemption — the…
Salary & paycheck
Gross-to-net pay, hourly-to-annual conversions, overtime, bonuses and paid time off.
- Salary CalculatorConvert pay between hourly, daily, weekly, biweekly, monthly and annual.
- Paycheck CalculatorPaycheck calculator for US take-home pay: gross minus federal income tax, FICA (Social Security +…
- Hourly to Salary CalculatorConvert any hourly wage to annual, monthly, biweekly and weekly pay, with 2025 federal after-tax estimates.
- Overtime Pay CalculatorCalculate your total paycheck with overtime.
- Bonus Tax CalculatorSee how much federal tax is withheld from a bonus in 2025 — the 22% supplemental rate plus Social Security…
- PTO Accrual CalculatorEstimate your paid time off balance from accrual per pay period, number of periods, carryover and hours used.
- Salary Slip GeneratorCreate a printable salary slip free.
- Severance Pay CalculatorEstimate a severance package from weekly pay, years of service and weeks offered per year.
Hourly wage to yearly salary
What a given hourly rate works out to per year, month, week and day — before and after federal tax.
- $10 an Hour is How Much a Year?$10 an hour is $20,800 a year (40 hrs/week), about $18,629 after federal taxes.
- $11 an Hour is How Much a Year?$11 an hour is $22,880 a year (40 hrs/week), about $20,342 after federal taxes.
- $12 an Hour is How Much a Year?$12 an hour is $24,960 a year (40 hrs/week), about $22,055 after federal taxes.
- $13 an Hour is How Much a Year?$13 an hour is $27,040 a year (40 hrs/week), about $23,765 after federal taxes.
- $14 an Hour is How Much a Year?$14 an hour is $29,120 a year (40 hrs/week), about $25,436 after federal taxes.
- $15 an Hour is How Much a Year?$15 an hour is $31,200 a year (40 hrs/week), about $27,108 after federal taxes.
- $16 an Hour is How Much a Year?$16 an hour is $33,280 a year (40 hrs/week), about $28,779 after federal taxes.
- $17 an Hour is How Much a Year?$17 an hour is $35,360 a year (40 hrs/week), about $30,450 after federal taxes.
- $18 an Hour is How Much a Year?$18 an hour is $37,440 a year (40 hrs/week), about $32,122 after federal taxes.
- $19 an Hour is How Much a Year?$19 an hour is $39,520 a year (40 hrs/week), about $33,793 after federal taxes.
- $20 an Hour is How Much a Year?$20 an hour is $41,600 a year (40 hrs/week), about $35,464 after federal taxes.
- $21 an Hour is How Much a Year?$21 an hour is $43,680 a year (40 hrs/week), about $37,135 after federal taxes.
- $22 an Hour is How Much a Year?$22 an hour is $45,760 a year (40 hrs/week), about $38,807 after federal taxes.
- $23 an Hour is How Much a Year?$23 an hour is $47,840 a year (40 hrs/week), about $40,478 after federal taxes.
- $24 an Hour is How Much a Year?$24 an hour is $49,920 a year (40 hrs/week), about $42,149 after federal taxes.
- $25 an Hour is How Much a Year?$25 an hour is $52,000 a year (40 hrs/week), about $43,820 after federal taxes.
- $26 an Hour is How Much a Year?$26 an hour is $54,080 a year (40 hrs/week), about $45,492 after federal taxes.
- $27 an Hour is How Much a Year?$27 an hour is $56,160 a year (40 hrs/week), about $47,163 after federal taxes.
- $28 an Hour is How Much a Year?$28 an hour is $58,240 a year (40 hrs/week), about $48,834 after federal taxes.
- $29 an Hour is How Much a Year?$29 an hour is $60,320 a year (40 hrs/week), about $50,506 after federal taxes.
- $30 an Hour is How Much a Year?$30 an hour is $62,400 a year (40 hrs/week), about $52,177 after federal taxes.
- $31 an Hour is How Much a Year?$31 an hour is $64,480 a year (40 hrs/week), about $53,748 after federal taxes.
- $32 an Hour is How Much a Year?$32 an hour is $66,560 a year (40 hrs/week), about $55,211 after federal taxes.
- $33 an Hour is How Much a Year?$33 an hour is $68,640 a year (40 hrs/week), about $56,674 after federal taxes.
- $34 an Hour is How Much a Year?$34 an hour is $70,720 a year (40 hrs/week), about $58,138 after federal taxes.
- $35 an Hour is How Much a Year?$35 an hour is $72,800 a year (40 hrs/week), about $59,601 after federal taxes.
- $36 an Hour is How Much a Year?$36 an hour is $74,880 a year (40 hrs/week), about $61,064 after federal taxes.
- $37 an Hour is How Much a Year?$37 an hour is $76,960 a year (40 hrs/week), about $62,527 after federal taxes.
- $38 an Hour is How Much a Year?$38 an hour is $79,040 a year (40 hrs/week), about $63,991 after federal taxes.
- $39 an Hour is How Much a Year?$39 an hour is $81,120 a year (40 hrs/week), about $65,454 after federal taxes.
- $40 an Hour is How Much a Year?$40 an hour is $83,200 a year (40 hrs/week), about $66,917 after federal taxes.
Income & business taxes
Federal income tax, self-employment and quarterly estimates, entity comparisons, equity compensation, plus sales tax, VAT and GST.
- Income Tax CalculatorEstimate your 2025 US federal income tax for single or married-filing-jointly, with your effective and…
- 1099 Tax CalculatorEstimate 2025 self-employment tax, federal income tax and quarterly payments from your 1099 income and…
- Self-Employment Tax CalculatorEstimate your 2025 US self-employment tax from net profit.
- Quarterly Tax CalculatorEstimate your 2025 quarterly estimated tax payments (Form 1040-ES) from self-employment profit.
- W2 vs 1099 CalculatorCompare 2025 after-tax take-home pay of a W-2 salary vs a 1099 contract rate.
- S-Corp Tax CalculatorSee how much an S-corp election could save vs sole proprietorship in 2025 — payroll tax vs self-employment…
- LLC Tax CalculatorEstimate 2025 federal taxes on single-member LLC profit — self-employment tax, income tax and the 20% QBI…
- RSU Tax CalculatorEstimate 2025 federal tax withheld when your RSUs vest — 22% supplemental rate plus FICA — and how many…
- Stock Option Tax CalculatorCompare NSO vs ISO taxes at exercise and sale for 2025 — ordinary income on the spread, capital gains at…
- Marriage Tax CalculatorCompare US federal income tax filing jointly vs.
- Federal Estate Tax CalculatorEstimate federal estate tax: subtract the exemption (2024 ~$13.61M) from your estate, then apply the 40%…
- Sales Tax CalculatorCalculate sales tax and total from a price and tax rate, or work backward from a total to find the pre-tax…
- VAT CalculatorAdd or remove VAT at any rate.
- GST CalculatorAdd or remove Indian GST at 3%, 5%, 12%, 18% or 28%.
- GST Interest & Late Fee CalculatorCalculate GST late payment interest at 18% p.a.
- TDS Interest Calculator (Late Deduction & Deposit)Compute TDS interest at 1% per month for late deduction and 1.5% for late deposit under Section 201(1A),…
Real estate & rental property
Cap rate, cash flow, BRRRR and short-term-rental returns, and whether renting or buying wins.
- Rental Property CalculatorEstimate NOI, cap rate, monthly cash flow, and cash-on-cash return from purchase price, rent, expenses,…
- Rental Cash Flow CalculatorEstimate monthly and annual cash flow on a rental property.
- Cap Rate CalculatorCalculate the capitalization rate on a rental property.
- Airbnb Calculator (ROI & Profit)Estimate the return on a short-term rental.
- BRRRR CalculatorEstimate a BRRRR real estate deal.
- Real Estate Investment CalculatorCalculate cap rate, cash-on-cash return and monthly cash flow from purchase price, down payment, rent,…
- Rent vs Buy CalculatorCompare the true cost of renting vs buying a home over N years, factoring mortgage, taxes, maintenance,…
- Rent Affordability CalculatorFind how much rent you can afford from your income.
Business & pricing
Break-even, margins, commissions, discounts, depreciation and the true cost of an employee.
SaaS & startup metrics
MRR/ARR, churn, CAC, burn, runway, Rule of 40 and how SAFEs and VC rounds dilute founders.
- MRR & ARR CalculatorTurn paying customers and ARPU into MRR and ARR, track net MRR movement from expansion and churn, and see…
- Churn Rate CalculatorCalculate monthly churn rate, retention rate and properly compounded annualized churn from customers at…
- CAC CalculatorWork out your customer acquisition cost (CAC) from sales and marketing spend, plus CAC payback in months.
- LTV CalculatorCalculate customer lifetime value (LTV) from ARPU, gross margin and churn, plus your LTV:CAC ratio against…
- Burn Rate CalculatorCalculate your startup's gross and net monthly burn rate from cash balances, period length and revenue,…
- Burn Multiple CalculatorDivide net burn by net new ARR to get your burn multiple and see how it rates on the Sacks efficiency scale.
- Runway CalculatorCalculate startup runway in months and years from cash balance and net monthly burn, with optional burn…
- Rule of 40 CalculatorAdd your YoY revenue growth rate to your profit margin and see whether your SaaS business clears the Rule…
- SaaS Valuation CalculatorEstimate a SaaS company valuation from ARR, growth rate, net revenue retention and gross margin using a…
- SAFE Note CalculatorSee what a SAFE converts to at a priced round: whether the valuation cap or discount wins, and your…
- VC Dilution CalculatorSee how a venture round dilutes your ownership: new investor percentage, option pool impact, and your…
Insurance & legal estimates
Coverage sizing and family-law estimates — educational starting points, not advice.