Financial calculators

Compare an adjustable-rate mortgage to a fixed-rate loan over the years you plan to stay — including what the ARM payment could jump to after the intro period.

Asset-rich but low on documented income? Estimate the mortgage you could qualify for by converting your liquid assets into a monthly income stream.

Self-employed and buying a home? Estimate how much you could borrow on a bank-statement loan, based on your deposits, expense factor, and DTI.

See how much interest you'd save — and how many years sooner you'd be mortgage-free — by paying half your mortgage every two weeks instead of monthly.

Should you buy discount points to lower your mortgage rate? See the upfront cost, monthly savings, and the month you break even.

Compare the true total cost of buying a home versus renting over the years you plan to stay — including appreciation, taxes, maintenance, and the break-even year.

Compare the true total cost of leasing versus buying a car over the lease term — including the resale value you keep when you buy.

See how long it takes to pay off multiple credit cards and how much interest you'll pay, with extra payments applied avalanche-style to the highest APR first.

Compare the debt snowball and avalanche payoff strategies across all your debts — see which clears your debt sooner and which saves the most interest.

See whether refinancing your student loans is worth it — monthly savings, total interest saved, and the month you'd recoup any fees.

Estimate the U.S. federal tax on selling crypto — short-term vs long-term rates, stacked on your income — and see what you'd keep after tax.

Estimate the quarterly federal taxes a freelancer or 1099 contractor should set aside — self-employment tax plus federal income tax on your net profit.

See how much extra tax you'll owe on side-hustle income once it stacks on top of your main job — including self-employment tax on 1099 and gig work.

Estimate the 10% early-withdrawal penalty plus income tax on a 401(k) or traditional IRA withdrawal before age 59½ — and see what you'd actually take home.

Earn too much to contribute to a Roth directly? See how much tax a backdoor Roth would trigger under the pro-rata rule — and when it's completely tax-free.

Find your FIRE number and whether your current savings will coast to it by your target retirement age — no more contributions required.

See the full value of a Health Savings Account's triple tax break — deductible contributions, tax-free growth, and tax-free medical withdrawals — versus a regular taxable account.

See how much extra you could funnel into a Roth through the mega backdoor — after-tax 401(k) contributions above the normal limit, converted to Roth.

Should you convert a traditional IRA to Roth? Compare the after-tax value of converting now versus staying traditional, based on your tax rates and time horizon.

See the maximum you can contribute to a Solo 401(k) versus a SEP IRA on your self-employment income — and why the Solo 401(k) usually wins.

Watch your money grow with a chart. Project a balance plus monthly contributions over time and see the Rule of 72 doubling estimate.

How big should your emergency fund be, and how close are you? Set a coverage target and see the gap and the time to reach it.

Dreaming of a career break? See how much you need to fund a sabbatical — including a re-entry buffer — and when you'll be ready to take it.

Moving for remote work? See the salary you'd need in a new city to keep the same standard of living, based on cost-of-living differences.

Estimate your wedding budget by guest count, region, and style — with a category-by-category breakdown of where the money goes.