Every financial calculation, in one trusted place.
Bank-grade tools for loans, mortgages, savings, retirement, investments, credit, taxes, insurance, and business — plus an AI assistant for everyday banking questions.
Loans
Personal, auto, and consumer loan tools
Loan Payment Calculator
Payment, total interest, and amortization for any fixed-rate loan.
Open calculatorAmortization Calculator
Add extra, biweekly, or lump-sum payments and see interest saved.
Open calculatorDebt Consolidation Calculator
See if a consolidation loan saves money vs. paying separately.
Open calculatorInterest-Only Line of Credit Calculator
Estimate interest-only payments on a HELOC or business line of credit, then model the repayment phase.
Open calculatorPersonal Loan Calculator
Compare monthly payment and APR across offers.
Open calculatorAuto Loan Calculator
Payment, interest, and payoff for a auto loan.
Open calculatorBoat Loan Calculator
Payment, interest, and payoff for a boat loan.
Open calculatorRV Loan Calculator
Payment, interest, and payoff for a rv loan.
Open calculatorMotorcycle Loan Calculator
Payment, interest, and payoff for a motorcycle loan.
Open calculatorHome Improvement Loan Calculator
Estimate monthly payments, interest, and total cost for a renovation project.
Open calculatorMortgages
Buy, refinance, and pay down your home
Mortgage Payment Calculator
Full PITI breakdown with PMI, HOA, and closing costs.
Open calculatorHELOC Calculator
See how much equity you can borrow, interest-only payments, and the repayment phase.
Open calculatorMortgage Affordability Calculator
Estimate the home price you can afford with a healthy DTI.
Open calculatorRefinance Calculator
Break-even point and interest savings from a refinance.
Open calculatorExtra Payment Calculator
See how much time and interest extra payments save.
Open calculatorRent vs. Buy Calculator
Long-term comparison of renting vs. buying with equity.
Open calculatorSavings
Grow deposits and reach your goals
Savings Growth Calculator
Project balance growth with recurring deposits.
Open calculatorEmergency Fund Calculator
Target and timeline for a fully funded emergency reserve.
Open calculatorGoal Savings Calculator
How much to save monthly to hit a goal by a target date.
Open calculatorCDs
Certificates of deposit and yield ladders
Retirement
401(k), IRA, and income planning
401(k) Calculator
Project 401(k) balance including employer match.
Open calculatorIRA Calculator
Project IRA balance with annual contributions.
Open calculatorRoth IRA Calculator
Project IRA balance with annual contributions.
Open calculatorTraditional IRA Calculator
Project IRA balance with annual contributions.
Open calculatorRetirement Income Calculator
Sustainable monthly income from a nest egg.
Open calculatorSocial Security Estimator
Rough monthly benefit estimate based on career earnings.
Open calculatorRequired Minimum Distribution
IRS-style RMD estimate for retirement accounts.
Open calculatorRetirement Savings Goal
Nest egg needed for your desired retirement income.
Open calculatorWithdrawal Calculator
How long a portfolio lasts at a given withdrawal rate.
Open calculatorMonte Carlo Retirement
Success probability across randomized market scenarios.
Open calculatorInvestments
Portfolio growth and market projections
Investment Growth
Compound growth of a portfolio with contributions.
Open calculatorCompound Interest Calculator
Any principal, rate, and compounding schedule.
Open calculatorDividend Reinvestment (DRIP)
Compound growth from reinvested dividends.
Open calculatorDollar Cost Averaging
Average cost from steady periodic investing.
Open calculatorStock Return Calculator
Total and annualized return between two prices.
Open calculatorMutual Fund Growth
Growth net of expense ratio and loads.
Open calculatorETF Growth
Compound growth of an ETF portfolio.
Open calculatorCollege Savings (529)
Project 529 balance vs. expected college costs.
Open calculatorInflation Calculator
Purchasing power over time.
Open calculatorNet Worth Calculator
Assets minus liabilities.
Open calculatorAsset Allocation
Model portfolio blend by age and risk.
Open calculatorCredit Cards
Payoff, balance transfer, utilization
Minimum Payment Payoff
How long minimums take and total interest paid.
Open calculatorExtra Payment Payoff
Fixed payment plan for credit card debt.
Open calculatorBalance Transfer Savings
Compare current APR vs. a promo 0% offer.
Open calculatorAPR Comparison
See interest on the same balance at different APRs.
Open calculatorCredit Utilization
Ratio of balances to total credit limits.
Open calculatorBanking
Interest, APY/APR, fees, comparisons
Simple Interest
Interest = principal × rate × time.
Open calculatorCompound Interest
Compounded principal growth.
Open calculatorDaily Interest
Daily accrual on a balance.
Open calculatorInterest Rate Converter
Convert between APR and APY.
Open calculatorAPY Calculator
Compute APY from a nominal rate.
Open calculatorAPR Calculator
Convert APY back to APR.
Open calculatorBank Fee Calculator
Annual cost of common account fees.
Open calculatorChecking Account Comparison
Compare annual cost of two checking accounts.
Open calculatorSavings Account Comparison
Interest earned across two APYs on the same balance.
Open calculatorBusiness
Cash flow, financing, and ROI
Business Loan
Payment, interest, and cost for a term loan.
Open calculatorCommercial Mortgage
Amortized commercial real estate loan.
Open calculatorEquipment Financing
Compare loan vs. lease for equipment.
Open calculatorWorking Capital
Current assets minus current liabilities.
Open calculatorCash Flow Projection
12-month cash position from starting cash and monthly delta.
Open calculatorBreak-even Analysis
Units and revenue needed to cover fixed costs.
Open calculatorBusiness Startup Costs
Estimate one-time and first-year operating costs.
Open calculatorProfit Margin
Gross and net margin.
Open calculatorROI Calculator
Return on investment and annualized ROI.
Open calculatorDebt Service Coverage Ratio
Net operating income / annual debt payments.
Open calculatorTaxes
Federal, payroll, sales, and property
Federal Income Tax Estimate
2024 single-filer bracket estimate.
Open calculatorCapital Gains Tax
Short-term vs. long-term capital gains estimate.
Open calculatorSales Tax
Add or extract sales tax.
Open calculatorProperty Tax
Annual property tax estimate.
Open calculatorSelf-Employment Tax
SE tax on net earnings.
Open calculatorPayroll Tax
FICA withholding on wages.
Open calculatorTax Refund Estimator
Refund or amount owed from withholding vs. liability.
Open calculatorInsurance
Coverage sizing across policies
Life Insurance Needs
DIME-based estimate of life coverage needed.
Open calculatorDisability Coverage
Recommended monthly disability benefit.
Open calculatorHome Insurance Estimate
Rough dwelling coverage and annual premium.
Open calculatorAuto Insurance Estimate
Annual auto premium estimate.
Open calculatorUmbrella Coverage
Recommended umbrella coverage based on net worth.
Open calculatorEducation
Student loans, 529 plans, and aid
Student Loan Calculator
Monthly payment and total cost for federal or private loans.
Open calculatorStudent Loan Refinance
Compare current loans with a refinanced consolidation.
Open calculatorCollege Savings
Monthly savings needed for future tuition.
Open calculatorFAFSA / SAI Estimate
Rough Student Aid Index estimate.
Open calculatorCurrency & Conversion
FX, inflation, PV, FV, NPV, IRR
Currency Conversion
Convert between two currencies at a given rate.
Open calculatorInflation Adjustment
Convert historic dollars to today's dollars.
Open calculatorPresent Value
PV of a single future amount.
Open calculatorFuture Value
FV with periodic contributions.
Open calculatorNet Present Value
NPV of a project (uses annual cash flows CF0..CF5).
Open calculatorInternal Rate of Return
IRR of an investment's cash flows.
Open calculatorBanking Ratios
DTI, LTV, savings rate, health score
Debt-to-Income Ratio
Total monthly debt / gross monthly income.
Open calculatorLoan-to-Value Ratio
Loan balance / property value.
Open calculatorHousing Ratio
Front-end ratio: housing cost / gross income.
Open calculatorDebt Ratio
Total liabilities / total assets.
Open calculatorLiquidity Ratio
Liquid assets / monthly expenses (months of runway).
Open calculatorSavings Rate
Percentage of income saved.
Open calculatorNet Worth Tracker
Track net worth change over a period.
Open calculatorFinancial Health Score
Composite score across DTI, savings rate, and emergency fund.
Open calculator