Finance Calculators

Free, accurate calculators for property tax, debt payoff, retirement planning, and other personal finance decisions. No sign-up required.

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Car Payment Calculator
Estimate your monthly auto loan payment, total interest, and full cost from price, down payment, trade-in, tax, term, and APR.
Calculate car payment
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Net Worth Calculator
Add up your assets and subtract your debts to find your net worth, debt-to-asset ratio, and liquid net worth.
Calculate net worth
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Savings Goal Calculator
Find the exact monthly amount to save to reach any goal on time, with interest growth factored in.
Plan my savings
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50/30/20 Budget Calculator
Split your monthly take-home pay into needs, wants, and savings with the popular 50/30/20 budgeting rule.
Build my budget
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Property Tax Calculator
Estimate annual property tax for any U.S. state using 2024 effective rates. Includes all 50 states plus D.C.
Calculate property tax
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FIRE Number Calculator
Find the portfolio size you need to retire early using the 4% safe withdrawal rule, with adjustable assumptions.
Calculate FIRE number
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Debt Payoff Calculator
Compare avalanche vs. snowball strategies side-by-side with a month-by-month payoff schedule and interest projections.
Plan debt payoff
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Compound Interest Calculator
See how your money grows with compound interest. Adjust deposit, monthly contributions, rate, and compounding frequency.
Calculate compound interest
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Mortgage Payment Calculator
Estimate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI with amortization chart.
Calculate mortgage payment
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Refinance Break-Even Calculator
Find out how many months it takes for refinancing savings to exceed closing costs. Know exactly when it pays off.
Calculate break-even
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Emergency Fund Calculator
Calculate your ideal emergency fund based on monthly expenses, income stability, and coverage months. Track your progress.
Calculate emergency fund
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Capital Gains Tax Calculator
Estimate federal capital gains tax on investments. Compare short-term vs long-term rates by filing status and income.
Calculate capital gains tax
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Loan Calculator
Estimate the monthly payment, total interest, and full cost of any fixed-rate loan from the amount, rate, and term.
Calculate loan payment
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Amortization Calculator
See a full year-by-year payoff schedule showing how each payment splits between principal and interest.
View amortization schedule
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Personal Loan Calculator
Find your monthly payment and true cost including the origination fee deducted before you receive the money.
Calculate personal loan
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Student Loan Calculator
See your payment, payoff date, and how much an extra monthly payment saves you in interest and time.
Calculate student loan
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APR Calculator
Convert a note rate plus fees into the true annual percentage rate so you can compare loan offers fairly.
Calculate true APR
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Retirement Calculator
Project your nest egg, see your sustainable annual income, and find out if you're on track for retirement.
Plan my retirement
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401(k) Calculator
Project your 401(k) balance at retirement including employer match, your contributions, and compound growth.
Calculate 401(k) growth
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Roth IRA Calculator
Project your tax-free retirement balance and see how decades of compound growth dwarf your contributions.
Calculate Roth IRA
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Home Affordability Calculator
Find the maximum home price you can afford from your income, debts, and down payment using the 28/36 rule.
How much house can I afford
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Inflation Calculator
See what an amount will cost in the future and how inflation erodes the buying power of your money over time.
Calculate inflation impact
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Savings Calculator
See how a starting balance plus regular monthly deposits grows in a high-yield account over time.
Project my savings
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Simple Interest Calculator
Calculate simple interest with I = P ร— r ร— t and compare it against compound interest.
Calculate simple interest
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Future Value Calculator
Find what a lump sum plus regular contributions will be worth in the future at a given rate.
Calculate future value
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Present Value Calculator
Discount a future sum and payments back to what they're worth in today's dollars.
Calculate present value
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CD Calculator
Calculate a certificate of deposit's value at maturity from your deposit, APY, and term.
Calculate CD earnings
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APY Calculator
Convert a nominal rate and compounding frequency into the true annual percentage yield.
Calculate APY
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Investment Return Calculator
Measure total ROI, dollar gain, and annualized return (CAGR) on any investment.
Calculate my return
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Dividend Calculator
Project dividend income and reinvestment (DRIP) growth from your yield and contributions.
Project dividend income
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Millionaire Calculator
Find out how long it takes to reach $1 million from your savings, contributions, and return.
How long to $1 million
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Traditional IRA Calculator
Project your Traditional IRA balance, annual tax savings, and after-tax value at retirement.
Calculate Traditional IRA
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Roth vs Traditional Calculator
Compare a Roth and a Traditional retirement account on equal footing and see which leaves you more money after taxes.
Compare Roth vs Traditional
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Annuity Calculator
Turn a lump sum into guaranteed monthly income and see total payout and interest over the payout period.
Calculate annuity income
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RMD Calculator
Find your required minimum distribution from a Traditional IRA or 401(k) using the IRS Uniform Lifetime Table.
Calculate my RMD
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Pension Calculator
Estimate annual and monthly defined-benefit pension income from service years, final salary, and the plan multiplier.
Estimate my pension
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Auto Loan Calculator
Estimate your monthly car payment and total loan cost from price, down payment, trade-in, tax, term, and APR.
Calculate auto loan
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Car Lease Calculator
Estimate your monthly car lease payment from price, residual value, money factor, and term โ€” with depreciation and rent charge.
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Car Affordability Calculator
See how much car you can afford from your monthly budget, down payment, APR, and term โ€” using the 20/4/10 rule.
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Car Payoff Calculator
See how extra payments shorten your auto loan and how much interest you save, with a payoff timeline.
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Car Refinance Calculator
Compare your current auto loan to a new rate and term to see your monthly and total interest savings.
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Down Payment Calculator
See your down payment, loan size, and monthly payment at any percentage, and find when you clear the 20% PMI threshold.
Calculate down payment
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HELOC Calculator
Find your available home equity line of credit from home value, mortgage balance, and the lender's combined LTV limit.
Calculate my HELOC
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Home Equity Calculator
Calculate your home equity, equity percentage, loan-to-value ratio, and how much you may be able to borrow against your home.
Calculate home equity
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Rent vs Buy Calculator
Compare the full cost of renting versus buying over the years you plan to stay, factoring in equity and appreciation.
Compare rent vs buy
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Credit Card Payoff Calculator
See how long it takes to pay off a credit card and the total interest you'll pay at your monthly payment.
Plan card payoff
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Debt-to-Income Ratio Calculator
See the DTI ratio lenders use for mortgages โ€” front-end, back-end, and the 36% guideline.
Calculate DTI
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Self-Employment Tax Calculator
Estimate 2026 SE tax on 1099 income โ€” Social Security, Medicare, and the deductible half.
Calculate SE tax

Why these calculators matter

Personal finance decisions compound. A 1% difference in your assumed retirement return swings your FIRE number by tens of thousands of dollars. Choosing avalanche over snowball on your debt payoff can save you hundreds in interest. Knowing your true property tax burden before you buy a home prevents budget surprises that strain household finances for years.

Our finance calculators cut through the marketing noise from banks, brokers, and agents โ€” and give you the same numbers a financial planner would run, instantly and for free.

Property tax โ€” covers all 50 states

Our property tax calculator is the most comprehensive on the site, with dedicated pages for every U.S. state and the District of Columbia. Each state page uses 2024 U.S. Census Bureau effective tax rate data, accounts for state-specific exemptions (homestead, senior, disabled veteran), and gives you both annual and monthly estimates.

FIRE Number โ€” the foundation of early retirement planning

The FIRE (Financial Independence, Retire Early) movement uses a simple rule: you need 25 times your annual expenses invested to safely retire. Our calculator lets you adjust the safe withdrawal rate, factor in expected inflation, and stress-test your number against different market scenarios.

Debt Payoff โ€” avalanche vs snowball, side by side

Two competing strategies dominate debt payoff advice: avalanche (highest interest rate first, mathematically optimal) and snowball (smallest balance first, psychologically rewarding). Our calculator runs both simultaneously and shows you exactly how much extra interest the snowball method costs you โ€” so you can make the trade-off with eyes open.

Quick links: Property tax by state

Jump straight to your state's property tax calculator:

More calculators coming

Recently added: loan, amortization, personal loan, student loan, APR, retirement, 401(k), Roth IRA, home affordability, and inflation calculators. Coming next: sales tax by state and salary by state.

How $10,000 grows at 7%
A quick illustration of compounding โ€” one reason these finance tools focus on the long game.
After 10 years$19,672After 20 years$38,697After 30 years$76,123
Maintained & reviewed by Chase Bennett, President of CalcHeadquarters · Editorial policy & methodology