Finance

Enter an amount, a rate and a term to see the payment, the total interest and every row of the amortization schedule. Add extra payments, compare payoff scenarios, chart the balance and export the table.

Calculate your current, front-end and back-end debt-to-income ratios, itemize income and debts, model a proposed mortgage, and see how you compare to each mortgage program\u2019s published benchmark.

Estimate your full monthly housing payment — principal and interest plus property taxes, homeowners insurance, PMI and HOA — then compare rates and terms, test extra payments, and see when PMI can end.

Compare your current mortgage against one, two or three refinance quotes: what the monthly payment actually changes by, when the closing costs are earned back, how much remaining interest changes, and whether you come out ahead over the time you really expect to keep the loan.

Estimate your monthly payment, what is due at signing, the money factor behind it and what the lease costs in total. Buying instead? Compare an auto loan or the cost per mile.

Enter your dealer's worksheet or build your own estimate from scratch. This deal auditor independently computes the amount financed, monthly payment, fees, negative equity, tax basis and total cost — then compares your dealer's figures against the math, shows preapproval savings and solves for a target payment. If your question is a different one, there are dedicated tools: an auto lease instead of a purchase, the cost per mile of running the car once it is yours, any other fixed-rate loan, or the amortization schedule behind a payment.

One mile has four different prices depending on the decision you are making. This calculator reports all four — the fuel or energy cost, the marginal cost of one more mile, the cash actually leaving your account, and the true all-in ownership cost — instead of a single figure that fits none of them well.

Calculate average, compound, cumulative and annualized investment returns. Enter periodic returns, start and end values, or dated deposits and withdrawals.

Enter the deal itself—not a pre-calculated cash-flow number. This underwriting stress test rebuilds cash-on-cash return from rent, expenses, financing and upfront cash, then compares the pro forma, base and downside returns, measures the underwriting gap and stress exposure in percentage points, reports a target-status verdict, and lets you share, copy or download a full underwriting receipt.

Project how a college fund could grow between now and the year a child starts school, given a starting balance and steady monthly saving.

Project how a starting deposit and steady contributions compound over time — then layer in the real-world frictions that change the answer: APR versus APY, compounding and contribution frequency, fees, taxes, inflation and a yearly contribution raise.

Project what an investment could grow to from a starting amount and regular contributions, and see what fees and inflation take out of it. The same tool works backwards: give it a goal and it solves for the contribution you would need, or for how long the plan would take. Every result comes with a lower and higher return scenario, because a single expected return is an assumption, not a forecast.

Decide on an MBA the way an analyst would: compare, year by year, the money you make with the degree against the money you would make without it — after tax, after opportunity cost, and after financing.

The price-to-earnings (P/E) ratio divides a stock's share price by its earnings per share, showing how many dollars the market pays for each dollar of the company's earnings.

Compute return on equity (ROE) and then decompose it into profit margin, asset turnover, and leverage using DuPont analysis so you can see what is actually driving the number.

Work out the payout from a fixed-period annuity — the level income a starting balance supports until its term ends, with the remaining balance still earning.

This tool projects your savings to retirement, compares them against a modeled target, and then stress-tests the plan: it shows whether the plan clears your success threshold, which condition puts it under the most strain, how much safety margin it holds, and the smallest change that keeps it funded.

Model how a Roth IRA could grow when funded with after-tax dollars, then jump to the eligibility, comparison, conversion, rollover, withdrawal and excess-contribution tools — all on one page and all held to the 2026 tax year.

Simulate what a Spanish plan de pensiones is really worth after contributions, the IRPF deduction limits, plan fees and the tax you pay when you withdraw — and see whether it beats a low-cost index fund. Built for the private plan de pensiones, not the public Seguridad Social pension.

Compare four 2026 IRA routes — Deductible Traditional, Nondeductible Traditional, Direct Roth, and Backdoor Roth — side-by-side with a Form 8606 pro-rata estimate and a deterministic decision guide. If the question is the plan around the contribution rather than the contribution itself, run the retirement stress test.

Enter what comes in and what goes out, at whatever frequency you are actually paid and billed, and see the month resolve into one number: what is left, or what is missing. Then see where it went, how it compares with the frameworks people quote, and what would change if you changed something.

Work out the payment on a business loan, then the three things a payment does not tell you: what the money really costs once fees are in, whether the cash flow covers it, and how the offer compares with the others on the table.

Calculate your debt-free date, compare avalanche vs. snowball, and see exactly how much interest and time extra payments can save.

Plan several balances together instead of estimating them one at a time. Enter up to 40 debts, hold one monthly budget constant, and see exactly how each freed payment rolls into the next target.

Independently verify the real cost of an Indian loan offer. Enter your loan terms and the figures from your sanction letter or Key Facts Statement (KFS). The tool recalculates the EMI, effective annual cost, fees, and floating-rate risk from first principles - letting you check the lender's numbers before you sign.

Work out what something will cost in the future once inflation has done its work — and how much purchasing power today's money quietly loses.

Enter an amount, a rate and a term to see the monthly payment on any fixed-rate loan, the total interest it costs, the month the balance finally clears and the full amortization schedule behind it. Where the borrowing has a shape of its own there are dedicated tools: a business loan, a mortgage refinance, or an auto loan.

The Medicare Advantage sales call does not raise the question that matters most: if you take this plan, can you get back to a Medigap policy later? For most people, after one six-month window closes, the answer is no — and nobody starts that clock for you. This page works out where you stand today.

A merchant cash advance is not priced in a rate. It is priced in a factor — a multiplier on the advance — and collected as a daily or weekly debit. Neither number can be compared to anything else a business can borrow. Enter the offer as it is written and this page returns the figure the term sheet leaves out.

Enter an amount, the rate on the note and a term to see the monthly payment on a fixed-rate personal loan, what it costs in total, the Estimated APR once fees are counted, and the full amortization schedule payment by payment. Related tools: Business Loan Calculator, Loan Calculator and Debt Snowball Calculator

Work out sales tax in either direction: add it to a pre-tax price, or remove it from a tax-included total. Pick a state for its average combined rate, or type the exact rate for your city or county — every result shows the rate used, where it came from and how precise it is.

A business listing is written to make one number look large and two numbers disappear. The large one is SDE. The two that disappear are how much of it a lender will actually accept, and the price that the remainder can carry once you have paid yourself. This page rebuilds the deal the way the credit memo will: retype the listing, and it returns the highest price an SBA 7(a) lender can finance, against what the seller is asking.

Turn a scholarship you have already been offered into a clear multi-year picture: what it is worth this year, what it is worth over your whole degree once renewal is uncertain, and the net college cost that is left after grant aid, displacement and estimated tax.

A solar proposal is built to be persuasive rather than comparable. The price per watt is missing, the low headline rate is paid for by a fee inside the price, the payment on a lease rises every year, and in 2026 the federal tax credit line may describe a credit that no longer exists. Enter the proposal as written.

Model one loan or a complete student-loan portfolio—from school disbursement to final payment. Calculate monthly payments, interest, repayment plans and the effect of paying extra.

Estimate both Medicare-related taxes in one place: the 2% Medicare levy (with the 2024-25 low-income reductions) and the 1-1.5% Medicare Levy Surcharge charged to higher earners without private hospital cover - then check whether buying hospital cover would actually cost less than paying the surcharge.

Plan a stock, fund or crypto sale by the tax it actually triggers \u2014 compare selling now, waiting for long-term treatment, harvesting losses, and choosing which tax lots to sell.

Read every effective tax rate hidden in your Form 1040 — federal income-tax rate, federal total-tax rate, the all-in rate with payroll, and what the next dollar actually costs.

Estimate US federal estate tax the way Form 706 actually works — build the gross estate, subtract deductions, apply the unified rate schedule, and net the credit and any DSUE.

Work out U.S. self-employment tax the way Schedule SE does for 2024, 2025 or 2026, and turn the answer into a quarterly plan: prior-year 100%/110% safe harbor, 90% current-year target, coverage from withholding and credits, per-quarter deadlines, and the next action.