Work out the numbers behind your money decisions

Free calculators for saving, debt, home loans, retirement and taxes. No account needed. Enter your own figures and see the result right away.

See how savings grow

$
$
%

Balance after 30 years $694,709after 30 years

You put in
$190,000
Interest earned
$504,709

An estimate that assumes a steady rate, compounded monthly, with no fees or taxes. Real returns vary. Open the full Compound Interest Calculator

Find a calculator

Pick what you are trying to decide. This is a selection of the most used tools. Search to find the rest.

32 tools

Save and grow money

Set a goal, then see what your savings could become.

Pay off debt and borrow

Find the payoff date, the interest cost and the payment you can carry.

  • Debt Payoff Calculator

    Builds a payoff plan, compares snowball and avalanche, and shows the interest and time you save.

  • Credit Card Payoff Calculator

    Shows your debt-free date, the interest you will pay, and how extra payments speed things up.

  • Balance Transfer Calculator

    Compares interest and months to payoff on your current card against a transfer offer.

  • Loan Calculator

    Works out the monthly payment, total interest and amortization schedule for any loan amount, rate and term.

  • Auto Loan Payment Calculator

    Estimates car payments, interest costs and amortization for new or used vehicles, comparing terms, down payments and APRs.

  • Student Loan Calculator

    Shows your payoff date and total interest, and how extra payments or an income-driven plan change them.

  • Credit Utilization Calculator

    Calculates your utilization per card and overall, and how much to pay down to stay under 30 percent.

  • Debt-to-Income Ratio Calculator

    Divides your monthly debt payments by gross monthly income and compares the result to the 36 and 43 percent lending thresholds.

Buy, rent or refinance a home

Check what you can afford and what the loan really costs.

Plan for retirement

Estimate how much to save, when you could stop working and how long it lasts.

  • Retirement Planning Suite

    Analyzes your savings gap, models withdrawal strategies with Monte Carlo simulation, and looks at Social Security timing.

  • FIRE Calculator

    Estimates your path to financial independence and when you could retire early.

  • Roth vs. Traditional IRA Calculator

    Compares the two accounts side by side and shows which leaves more money after taxes.

  • Social Security Calculator

    Projects lifetime benefits from your age, claiming age and estimated monthly benefit, including claiming at 62.

  • Retirement Withdrawal Calculator

    Shows how long your savings last given your withdrawal rate, expected returns and inflation.

  • RMD Calculator

    Estimates your required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table.

Budget, pay and taxes

Know what you take home and where it goes.

  • Salary After Tax Calculator

    Shows your take-home pay after federal, state and FICA taxes are taken from a gross salary.

  • Hourly to Salary Converter

    Converts an hourly rate to an annual salary and back, using your hours per week, weeks per year and paid time off.

  • Tax Bracket Calculator

    Shows how each federal bracket taxes your income and the gap between your marginal and effective rate.

  • Capital Gains Calculator

    Calculates federal and state capital gains tax and compares short-term and long-term rates.

  • Budget Planner

    Tracks income against expenses and shows the split in pie charts.

  • 50/30/20 Rule Calculator

    Splits your after-tax income into needs, wants and savings and shows the dollars for each.

These are 32 of the 398 tools on Financial Toolset.Browse all toolsBrowse by category

📺 Investment Video Library

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Financial Comparison Guides

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Frequently Asked Questions

Common questions about the Financial Toolset

No. Every result is an estimate based on the numbers you enter and the assumptions each tool states. Real rates, taxes and fees change, and your situation may differ. For a large decision, such as a mortgage, a retirement date or a tax filing, talk to a licensed financial planner, tax professional or lender.