Free Finance & Money Calculators

401k Calculator Project your 401(k) balance at retirement, including employer match and salary growth. 529 College Savings Calculator Project your 529 balance against the real, inflated future cost of college. APR Calculator Solve for the true APR on any loan by folding in fees and points to the note rate. APY Calculator Convert a nominal rate and compounding frequency into the real APY on savings, HYSAs, and CDs. Allowance Calculator Work out a fair weekly kids allowance and see the save/spend/give split grow by age 18. Annual Income Calculator Combine every job, side hustle, and passive income stream into one accurate annual total. Annuity Calculator Project your annuity's account value and fee drag during the accumulation phase, before annuitizing. Auto Loan Calculator Work out your monthly car payment, total interest and the real all-in cost of a vehicle. Balance Transfer Calculator See if a 0% balance transfer actually saves money once the fee and payoff timeline are factored in. Bill Splitter Calculator Split a bill by individual items or custom percentages, with tax and tip divided fairly among the group. Billable Hours Calculator Find your annual billable hours and the hourly rate they have to carry. Biweekly Pay Calculator Find your gross pay per paycheck and see which months bring a bonus 3rd paycheck. Break Even Calculator Find the exact units and revenue you need to sell to cover costs and profit. Budget Calculator Compare your actual spending to the 50/30/20 rule and find your biggest budget gap instantly. Burn Rate Calculator Work out gross burn, net burn, burn per employee, and months of cash cover. Business Valuation Calculator Estimate business value using revenue multiples, EBITDA multiples, and DCF at once. CD Calculator Calculate CD maturity value, interest earned, and the true cost of an early withdrawal. COLA Calculator See how a cost-of-living adjustment changes your salary or benefit, with a multi-year projection. Car Affordability Calculator Find the real car price you can afford based on income, debts, and total ownership costs. Car Depreciation Calculator Project your car's value year by year and see total value lost, with an editable depreciation table. Cash Back Calculator Find your true net cash back by category spend, annual fee, and sign-up bonus. Cash Denomination Calculator Break any dollar total into the exact bills and coins needed for payroll, floats, or bank withdrawals. Coast FIRE Calculator Find the point where you can stop contributing and still reach financial independence. Compound Interest Calculator See how savings and regular contributions grow over time with the power of compounding. Contractor vs Employee Calculator Compare a contractor day rate against a salaried hire on a like-for-like basis. Cost Per Use Calculator Find the true cost per use of any purchase, including maintenance, resale value and a rental break-even point. Cost of Living Calculator Find the salary you'd need in another city to keep your standard of living. Credit Card Interest Calculator See exactly how average daily balance and daily rates turn into your interest charge. Credit Card Minimum Payment Calculator See how a shrinking minimum payment can stretch a balance for a decade or more. Credit Card Payoff Calculator See how long to clear a credit card balance and the total interest at your payment. Debt Avalanche Calculator Attack your highest-interest debt first and see exactly how much less interest you'll pay. Debt Consolidation Calculator Itemize up to 5 debts and see if a consolidation loan beats your weighted-average APR. Debt Payoff Date Calculator Enter one balance, rate, and payment to see the actual calendar month you'll be debt-free. Debt Snowball Calculator List your debts smallest to largest and see your exact debt-free date with the snowball method. Debt-to-Income Ratio Calculator See your DTI percentage and whether lenders will call it healthy, caution, or risky. Down Payment Calculator Find your down payment amount for a home or car and see the resulting loan and PMI. Emergency Fund Calculator Find your ideal emergency fund based on essential expenses only, plus your shortfall and time to fully fund it. Employee Cost Calculator Add employer taxes, benefits, and overhead to a salary for the true annual cost. Envelope Budgeting Calculator Assign every dollar to a digital envelope and see instantly if your budget balances to zero. Equity Dilution Calculator See what a funding round and option pool do to your ownership percentage. Extra Payment Loan Calculator See how much interest and time you save by paying extra each month on any loan. FI Number Calculator Find the exact portfolio size you need to reach financial independence. FIRE Calculator Calculate exactly how many years until you reach financial independence. Freelance Hourly Rate Calculator Find the minimum hourly rate you need to charge to hit your income goals after tax and unbillable hours. Future Value Calculator See what a lump sum plus optional yearly contributions grows into over time. Grocery Budget Calculator Get a realistic monthly grocery target by household size, age, and eating style. Gross to Net Calculator See the full pre-tax and post-tax deduction waterfall from gross salary to net pay. Hourly Wage Calculator Calculate your real annual earnings from an hourly rate, including unpaid time off. Hourly to Salary Calculator Convert hourly wage to annual salary and back, with weekly and monthly figures. Inflation Calculator Free inflation calculator — project future buying power at any rate. Inheritance Calculator See your net inheritance after debts, probate costs, and state inheritance tax. Interest Only Loan Calculator See your interest-only payment and the payment shock once the IO period ends, for any loan. Interest Rate Calculator Reverse-solve the interest rate from a loan payment or an investment's growth. Inventory Turnover Calculator Convert COGS and average stock into turnover, days on hand, and cash tied up. Investment ROI Calculator Calculate total ROI, net profit and annualised CAGR for any investment. Lease vs Buy Calculator Compare true total cost of leasing versus buying a car, including the equity buyers keep. Loan Amortization Schedule Calculator Build a full month-by-month amortization schedule for any loan, with principal, interest and balance. Loan Comparison Calculator Compare up to 3 loan offers by total cost and effective APR, not just monthly payment. Millionaire Calculator Simulate your savings month by month to see exactly when you'll cross $1 million. Money Counter Calculator Count bills and coins by denomination to get an instant, accurate cash total for tills, deposits, and collections. Money Doubling Calculator Find exactly how many years it takes to double your money at any return rate. Mortgage Affordability Calculator How much house can I afford? Free 28/36-rule mortgage affordability calculator. Net Pay Calculator A fast 4-input estimate of your net pay for any pay period. Net Worth Calculator Calculate your total net worth, liquid net worth, and debt-to-asset ratio. Overtime Pay Calculator Calculate your full week's gross pay including regular, overtime, and double-time hours. Passive Income Calculator Add up dividends, rental cash flow, interest, and royalties into one real annual passive income number. Pay Raise Calculator Calculate your new salary from a raise %, or the % from a new salary, plus your real raise after inflation. Paycheck Budget Calculator Assign each bill to the exact paycheck that should cover it, so nothing is due before payday. Payday Loan Calculator Convert a payday loan's flat fee into its true APR before you sign. Pension Calculator Estimate your defined-benefit pension payout from salary, years of service, and multiplier. Personal Cash Flow Calculator See your true monthly cash flow, savings rate, and annual surplus or deficit. Present Value Calculator Find out what a future lump sum or payment stream is worth in today's dollars. Profit Margin Calculator Free profit margin calculator — margin, markup and target-margin pricing. Project Profitability Calculator Turn a fixed fee and resourcing plan into real project margin and hourly yield. RMD Calculator Calculate your required minimum distribution using the IRS Uniform Lifetime Table. Retirement Calculator Project your 401(k)/IRA nest egg and estimate monthly retirement income. Retirement Withdrawal Calculator Simulate the 4% rule year by year to see how long your retirement savings last. Roth IRA Calculator Project your tax-free Roth IRA balance and see how much tax you save versus a taxable account. Rule of 72 Calculator Estimate how fast money doubles with the classic 72-divided-by-rate mental shortcut. Salary to Hourly Calculator See what your salary really pays per hour once you count the hours you actually work. Savings Goal Calculator Find how much to save monthly to reach any goal by your target date. Savings Rate Calculator Calculate your true savings rate on take-home and gross income, plus estimated years to financial independence. Savings Withdrawal Calculator See exactly how many months a lump sum lasts under a fixed monthly withdrawal. Side Hustle Calculator See what your side hustle really pays per hour after expenses, self-employment tax, and income tax. Simple Interest Calculator Calculate simple interest (I = P x r x t) on loans, deposits, or bonds in years, months, or days. Sinking Fund Calculator Plan several upcoming expenses at once and see the exact monthly amount needed for each fund. Social Security Benefits Calculator Estimate your monthly Social Security benefit at 62, Full Retirement Age, or 70. Startup Runway Calculator See how many months of runway your cash buys and when it runs out. Student Loan Payoff Calculator See how extra monthly payments cut years off your student loans and slash total interest. Student Loan Refinance Calculator Compare your current student loan against a refinance offer and see the real savings. Subscription Cost Calculator Add up every subscription to see your true monthly and annual spend, plus the cost of not investing it. Take Home Pay Calculator Estimate your real net paycheck after federal tax, FICA and state tax — free. Take Home Pay by State Calculator Compare your take-home pay in any two US states at the same salary. Time and a Half Calculator Instantly find your time-and-a-half or double-time hourly rate and its dollar value. Tithe Calculator Calculate your tithe from income, percentage, and pay period, on a gross or net income basis. Traditional IRA Calculator Project your Traditional IRA balance and compare today's tax deduction against tomorrow's tax bill. VAT Calculator Add or remove VAT at any rate — net price, VAT amount and gross total in a click. Wealth Growth Calculator Project your total net worth over time, including contributions, compounding growth, and inflation. Working Capital Calculator Get working capital, current and quick ratios, and your cash conversion cycle. ➗ Percentage Calculator Find %, work out percent of a number, and calculate increase/decrease instantly. 🏦 Loan / EMI Calculator Calculate monthly payment, total interest and full cost of any loan instantly. 🏷️ Discount Calculator See the final sale price and exactly how much you save on any percent-off deal. 💵 Tip Calculator Work out the perfect tip and split the bill fairly between friends in seconds. 🧾 Sales Tax Calculator Free sales tax calculator by US state or custom rate — with reverse sales tax.