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.
- Compound Interest Calculator
Shows how a starting balance and monthly contributions grow over time, with fees, inflation and taxes as options.
- Millionaire Calculator
Estimates when your savings and returns could reach one million dollars.
- Savings Goal Calculator
Takes your target, deadline and current savings and gives the monthly amount to set aside.
- Emergency Fund Calculator
Shows how many months of expenses to keep on hand for a job loss or a surprise bill.
- CD Calculator
Shows what a certificate of deposit earns and compares terms, rates and compounding.
- Rule of 72 Calculator
Estimates how long money takes to double, or the return you need to double it in a set time.
- 529 College Savings Calculator
Shows how a 529 plan could grow for college from your monthly contributions, time horizon and expected return.
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.
- Mortgage Payment Calculator
Shows your monthly payment with principal, interest, taxes and PMI, and compares 15-year and 30-year terms.
- Home Affordability Calculator
Shows the price range you can carry comfortably, not only the amount a lender might approve.
- Rent vs. Buy Calculator
Compares renting and buying for your timeline, with the break-even year and total equity.
- Mortgage Refinance Calculator
Shows the break-even month, new payment and lifetime savings before you pay closing costs.
- Extra Mortgage Payment Calculator
Models one-time, monthly, annual and biweekly extra payments and the payoff time and interest they save.
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
Search through indexed video transcripts from Warren Buffett, Charlie Munger, and legendary investors. Jump to exact timestamps on specific topics.
Search by Topic
Find discussions on compound interest, intrinsic value, competitive advantage, and more
Timestamp Deep Links
Click any result to watch the video starting at that exact moment
Topic Summaries
Read summaries, key quotes, and speakers for each topic segment
Financial Comparison Guides
Make confident financial decisions with expert-written comparison guides. Each includes detailed analysis, real-world examples, and decision frameworks — all 100% free and privacy-focused.
Roth IRA vs. Traditional IRA
Compare tax benefits, income limits, and withdrawal rules to choose the right IRA for your goals.
401(k) vs. IRA vs. Roth IRA
Learn how employer matching and contribution strategies impact long-term returns.
PPO vs. HMO vs. HDHP
Understand plan types, premiums, and which saves you the most.
Rent vs. Buy
Analyze homeownership vs. renting using the 5% rule and hidden cost breakdowns.
Debt Avalanche vs. Snowball
Learn which debt payoff strategy saves more based on your goals.
HSA vs. FSA vs. HRA
Understand healthcare account differences, tax perks, and rollover rules.
Comprehensive Analysis
Every guide includes data-backed comparisons and real-world examples.
Decision Frameworks
"Choose X if..." logic helps tailor each decision to your situation.
Always Free
Honest, unbiased comparisons written for everyday users.
Frequently Asked Questions
Common questions about the Financial Toolset
