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Financial

Browse all 38 financial tools

What is financial calculators?

Financial calculators are tools that use mathematical formulas to help you plan, analyze, and optimize money decisions, from calculating loan payments and investment returns to tax estimates and retirement projections.

Amortization Calculator

Generate a full amortization schedule showing each payment's principal and interest split.

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Auto Loan Calculator

Calculate auto loan payments with down payment, trade-in, and amortization schedule.

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Capital Gains Tax Calculator

Calculate capital gains tax with short-term and long-term rates. Includes NIIT and residence exclusion.

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CAPM Calculator

Calculate expected returns using CAPM based on beta, risk-free rate, and market return.

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Cash Flow Calculator

Calculate cash flow from operations, investing, and financing to analyze business health.

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CD (Certificate of Deposit) Calculator

Calculate CD interest earned and maturity value. Compare rates and terms.

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Compound Interest Calculator

Calculate compound interest with contributions, compounding frequency, and year-by-year growth breakdown.

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Credit Card Payoff Calculator

Calculate credit card payoff time and interest. Compare minimum vs. extra payments.

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Cryptocurrency Converter

Convert between BTC, ETH, and 20+ cryptocurrencies with reference rates. Educational use.

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Currency Converter

Convert between major world currencies instantly. Quick reference tables and popular pairs included.

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Debt Snowball Spreadsheet

Compare snowball against avalanche and download an Excel file with both payoff schedules.

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Debt Snowball/Avalanche Calculator

Compare snowball and avalanche debt payoff strategies side by side to find the fastest, cheapest path.

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Depreciation Calculator

Calculate depreciation with straight-line, DDB, SYD, and MACRS methods. Full schedule included.

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Dividend Calculator

Calculate dividend income, yield, and DRIP growth projections over time.

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Estate Tax Calculator

Estimate federal estate tax with 2024 exemption and progressive brackets of 18 to 40 percent.

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FIRE Calculator

Calculate your FIRE number and years to financial independence using the 4% rule.

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Gold Price Calculator

Calculate gold value by weight and karat purity using a reference spot price.

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Hourly to Salary Converter

Convert hourly rates to annual salary with overtime, PTO, and take-home estimates.

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Income Tax Calculator

Calculate federal income tax with 2024 brackets, deductions, and credits.

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Inflation Calculator

Calculate purchasing power changes using historical CPI data. See what money was worth then vs. now.

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IRR Calculator

Find the discount rate that makes NPV zero. Compare IRR to your required rate of return.

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Lease vs. Buy Calculator

Compare total costs of leasing vs. buying a vehicle with equity and break-even analysis.

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Loan Amortization Schedule

Build an amortization schedule and download an Excel file with every payment split into interest and principal.

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Loan/EMI Calculator

Calculate monthly EMI, total interest, and repayment schedule for personal, auto, or any loan.

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MIRR Calculator

Calculate MIRR with separate finance and reinvestment rates for more realistic returns.

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Monthly Budget Template

Plan a month, track what you actually spent, and download a real Excel workbook with live formulas.

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Net Worth Calculator

Calculate your net worth from assets and liabilities. Track your financial health.

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Net Worth Spreadsheet

List assets and debts and download an Excel file that totals both sides and the difference.

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NPV Calculator

Calculate NPV to evaluate investments. Discount future cash flows and determine profitability.

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Payback Period Calculator

Calculate how long it takes to recover your investment with cumulative cash flow analysis.

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Retirement/401k Calculator

Project retirement savings with 401(k) contributions, employer match, and growth.

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ROI Calculator

Calculate ROI percentage, annualized returns, and total gain/loss for any investment.

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Salary/Paycheck Calculator

Calculate take-home pay per paycheck after all taxes and deductions.

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Savings Goal Calculator

Calculate monthly savings needed to reach any financial goal with compound interest.

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Social Security Benefits Calculator

Estimate Social Security monthly benefit using AIME, bend points, and your claiming age.

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Stock Profit/Loss Calculator

Calculate stock profit/loss with commissions, capital gains tax estimate, and annualized return.

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Tip Calculator

Calculate tips easily with quick percentage options and bill splitting for groups.

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Working Capital Calculator

Calculate working capital and liquidity ratios to analyze business financial health.

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Formula & Methodology

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Did you know? The time value of money (TVM) principle, that a dollar today is worth more than a dollar tomorrow, is the foundational concept behind nearly every financial calculator on this page, from compound interest to NPV and IRR.

Sources

  • U.S. Securities and Exchange Commission (SEC): Investor.gov compound interest explainer
  • Consumer Financial Protection Bureau (CFPB): Mortgage and loan calculation guidelines

Frequently Asked Questions

Start with the Compound Interest Calculator or Net Worth Calculator to understand your current financial baseline, then use goal-specific tools like the Mortgage or Retirement Calculator.

Yes. All calculators use standard financial formulas (e.g., Mifflin-St Jeor, IRR Newton-Raphson, amortization). Results are estimates and should be verified with a licensed financial advisor for major decisions.

The interest rate is the base cost of borrowing. APR (Annual Percentage Rate) includes the interest rate plus fees, making it a more complete picture of the true cost of a loan.

Use the DTI Calculator to find your debt-to-income ratio, then the Mortgage Calculator to estimate monthly payments. Most lenders recommend keeping housing costs below 28% of gross monthly income.

Compound interest is interest calculated on both the initial principal and the accumulated interest. Over time it creates exponential growth. Albert Einstein reportedly called it the "eighth wonder of the world."