Run the numbers. Make the move.
Money Calculators turns complex money decisions into clear numbers, and a plain-English read on what they mean. 38 calculators, every one of them live. Pick the decision in front of you and run it.
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your numbers, in plain English
- TaxPaycheck & Take-Home PaySee what actually lands in your account each payday (hourly or salary, overtime included) and where every dollar between gross and take-home goes.
- InvestingCompound Interest & GrowthSee how a starting amount, monthly savings, time, and return compound into a future balance, and what waiting costs you.
- HomeMortgage Payment & AffordabilityEstimate your monthly payment and how much of your take-home pay it would take.
- HomeMortgage PayoffSee what extra principal does to your end date (a little every month, a lump sum, or a biweekly plan) and what each one saves you in interest.
- HomeRent vs. BuyCompare buying against renting and investing the difference, and find the year buying pulls ahead, if it does.
- Loans & DebtDebt Payoff: Avalanche vs. SnowballCompare the two payoff strategies on time to debt-free and total interest paid.
- Loans & DebtCredit Card PayoffSee what paying the minimum really costs on one card, what a fixed payment saves, and the amount that clears it in three years.
- SavingsEmergency Fund GoalFind your target cushion and how long it takes to build it.
- RetirementRetirement Savings ProjectionProject your balance at retirement and the rough monthly income it could provide.
- Retirement401(k) Employer MatchSee what your employer's match is worth this year, whether you're claiming all of it, and what any part you're missing would have grown into.
- InsuranceLife Insurance NeedsEstimate how much coverage would actually protect your family.
- SavingsNet Worth CalculatorAdd up what you own, subtract what you owe, and see where you actually stand, plus how it breaks down.
- TaxSelf-Employment Tax CalculatorEstimate the Social Security and Medicare tax on your 1099 or side-hustle income, and what to set aside.
- SavingsCollege Savings GoalProject what school will cost when it starts, what your savings will be worth on the same day, and the monthly amount that closes the gap.
- VehicleVehicle Total Cost of OwnershipSee what a truck or car really costs over the years you'll own it, including the depreciation most people never count.
- HomeRefinance Break-EvenCompare your current mortgage with a refinance quote: the new payment, how many months until the closing costs pay for themselves, and whether you come out ahead in the years you'll actually stay.
- HomeAmortization ScheduleSee every year of a loan laid out: how much goes to principal, how much to interest, the year that flips, and what extra principal does to the payoff.
- HomeCost of Living ComparisonWeigh a job offer in a new city against your prices now: the salary you'd need there to keep the same left over each month, and whether the raise is real.
- VehicleCar & Truck Loan PaymentFind your monthly payment, total interest and total cost, and see 48, 60, 72 and 84-month terms side by side.
- VehicleLease vs. BuyCompare the net cost of leasing against buying over the same years, mileage overage included.
- VehicleTrade-In Value ImpactSee your equity, the sales tax a trade-in saves, what rolled-over negative equity really costs, and whether selling it yourself comes out ahead.
- Loans & DebtPersonal Loan CalculatorSee the payment, the cash you actually receive after the origination fee, and the true rate once that fee is counted.
- Loans & DebtDebt Consolidation CalculatorCompare paying your debts as you do now against one consolidation loan: how long it takes, total interest and fees, and what happens to your monthly payment.
- Loans & DebtStudent Loan RepaymentCompare a 10-year and a 25-year repayment schedule, and see what an extra payment each month saves in time and interest.
- InsuranceDisability Income ReplacementSee how much of your paycheck would keep coming if you couldn't work, whether your savings cover the waiting period, and the coverage that closes the gap.
- InsuranceTerm vs. Whole Life CostSet buying term and investing the difference beside a whole life policy's cash value, with total premiums each way.
- RetirementIRA, 401(k) & SEP-IRA GrowthProject what a specific retirement account could grow to, with this year's contribution limit for your age applied and a clear note when you're over it.
- RetirementRoth vs. TraditionalCompare a Roth and a traditional account at the same take-home cost, and see how much your tax rate now versus later decides the winner.
- RetirementSocial Security EstimatorGet a rough monthly benefit at 62, at your full retirement age and at 70, plus the age where waiting catches up.
- InvestingLump Sum vs. Dollar-Cost AveragingCompare investing a sum all at once against spreading it out over months, and see what the waiting costs under a steady-return assumption.
- InvestingExpense Ratio ImpactSee what a fund's yearly fee takes out of your ending balance over decades, side by side with a cheaper fund.
- TaxTax Bracket EstimatorFind your federal tax bracket, see how much of your income lands in each one, and why a raise never leaves you with less.
- TaxWithholding CalculatorCheck whether this year's paychecks are on track for a refund or a bill, and the change per paycheck that lands you near zero.
- TaxRoth Conversion CalculatorSee the tax bill on moving money into a Roth, how much room is left in your bracket, and whether paying now beats paying later.
- TaxCapital Gains Tax CalculatorEstimate the federal tax on selling at a gain, short-term or long-term, and what holding past one year would save.
- SavingsSavings Rate TrackerSee what share of your pay you're actually saving, counting your 401(k) and match, and what a little more each month would move it to.
- SavingsBig Purchase Savings PlanFind the monthly amount that gets you to a big purchase on time, and what saving first saves you compared with financing it.
- SavingsSinking Fund PlannerSpread the bills you know are coming (car repairs, holidays, insurance) into one monthly set-aside, so they stop landing on a card.
The full suite
8 categories, 38 calculators, each with a plain-English read on what your numbers mean.
Home
Loans & Debt
Retirement
Tax
Every calculator gives estimates for education, not personalized legal, tax, or investment advice.
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