Finance

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.

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.

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.

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 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.

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.

Compare four 2026 IRA contribution routes — Deductible Traditional, Nondeductible Traditional, Direct Roth, and Backdoor Roth — side-by-side. Includes a Pub 590-A Roth eligibility worksheet, a Form 8606 pro-rata estimate for backdoor conversions, and a deterministic decision guide.

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.

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 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.

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.

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.

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.

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.

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.