89 free calculators — Loans, mortgages, interest, savings, taxes and tipping — understand the numbers before you commit.
Work out the monthly payment, total interest and total cost of any amortizing loan.
Use calculatorEstimate the monthly payment on a home loan including taxes and insurance.
Use calculatorCalculate the monthly payment on a car loan after down payment and trade-in credit.
Use calculatorSee how a lump sum grows with compounding — plus optional regular contributions.
Use calculatorCompute interest that grows linearly — principal × rate × time.
Use calculatorFind the monthly deposit needed to reach a savings target by a target date.
Use calculatorMeasure total return and annualized growth rate (CAGR) between two portfolio values.
Use calculatorCalculate return on investment: net profit relative to what you spent.
Use calculatorSee what today's money will be worth in the future at a chosen average inflation rate.
Use calculatorFind the sale price and savings for any discount — including stacked double discounts.
Use calculatorAdd sales tax to a net price — or strip it back out of a tax-inclusive total.
Use calculatorAdd VAT to a net price or remove it from a VAT-inclusive amount.
Use calculatorWork out the tip and total for any bill, split evenly across any group size.
Use calculatorFind how long a fixed monthly payment takes to clear a balance — and what it costs.
Use calculatorSize an emergency fund from your essential expenses and see how long it takes to build.
Use calculatorCalculate the signed percentage change between any two values — up or down.
Use calculatorConvert a nominal interest rate into true annual yield based on compounding frequency.
Use calculatorEstimate retirement savings: project future balance from current savings, monthly contributions, expected return and years to retirement.
Use calculatorEstimate how much house you can afford from income, debts, down payment, rate and term using the 28/36 rule.
Use calculatorCompare renting vs buying: enter rent, home price, down payment, rate, term, and years to see break-even and total cost.
Use calculatorSee if refinancing saves money: compare current vs new mortgage payment, monthly savings and break-even months after closing costs.
Use calculatorEstimate credit card interest and payoff time from balance, APR, and monthly payment — see total interest and months to zero.
Use calculatorEstimate student loan payments, total interest and payoff time for federal or private loans with any rate and term.
Use calculatorFind affordable car price from monthly budget, down payment, trade-in, rate and term — see loan amount and total cost.
Use calculatorCalculate crypto profit/loss from buy and sell prices, quantity and fees — see profit, return % and net after fees.
Use calculatorCalculate average stock cost after multiple buys — see average price, total shares, total cost and break-even price.
Use calculatorEstimate freelance taxes and take-home: enter income, expenses and tax rate to see taxable income, tax and net.
Use calculatorCompare leasing vs buying a car: enter price, lease terms and loan terms to see monthly payment and total cost over years.
Use calculatorCalculate down payment amount and percent from home price — see loan amount, PMI need and monthly impact.
Use calculatorFind implied interest rate from loan amount, payment and term — solve for APR.
Use calculatorCalculate balloon loan payments with large final payment — see monthly, balloon and total interest.
Use calculatorSee impact of extra payments: enter loan balance, rate, term and extra monthly to see time saved and interest saved.
Use calculatorCalculate rent increase by percent or amount — see new rent, increase and yearly impact.
Use calculatorCalculate mortgage payoff with extra payments: see new payoff time, interest saved and amortization with extra.
Use calculatorCalculate monthly savings needed to reach goal: enter target amount, years, current savings and rate to see monthly deposit.
Use calculatorCompare debt payoff strategies: avalanche (highest rate first) vs snowball (smallest balance first) — see total interest and months.
Use calculatorCalculate effective annual rate (EAR) from nominal rate and compounding frequency — see EAR, APY and periodic rate.
Use calculatorCompare two loans side by side: enter amounts, rates, terms to see payment, total interest and total cost difference.
Use calculatorCalculate annual property tax from home value and tax rate — see yearly, monthly and effective rate.
Use calculatorCalculate home equity from value and mortgage balance — see equity dollars, percent and LTV.
Use calculatorCalculate affordable rent from income using 30% rule — see max rent, yearly rent and income needed for target rent.
Use calculatorCalculate NPV from cash flows and discount rate — see NPV, IRR approximation and profitability.
Use calculatorCalculate payback period from investment and annual cash flow — see years, months and discounted payback.
Use calculatorCalculate extra mortgage payment impact: see new payoff, interest saved and amortization with extra monthly.
Use calculatorCalculate CAGR from start and end values over years — see annual growth rate, total return and doubling time.
Use calculatorCalculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion.
Use calculatorCompare cost of living between cities: enter current costs and index differences to see equivalent salary needed.
Use calculatorCalculate total bill with tip and tax: enter subtotal, tip percent and tax rate to see tip, tax, total and per person.
Use calculatorCalculate life insurance needs from income, debts, future expenses and current savings — see coverage needed and monthly cost estimate.
Use calculatorEstimate home insurance cost from home value, coverage and deductible — see annual premium and monthly.
Use calculatorEstimate auto insurance premium from coverage, deductible, driving record and vehicle value — see yearly and monthly cost.
Use calculatorCalculate disability insurance needs from income and expenses — see coverage, benefit and premium estimate.
Use calculatorEstimate umbrella insurance needs from assets and risk — see recommended coverage and cost.
Use calculatorCalculate credit utilization ratio from balances and limits — see utilization %, impact and recommended limit.
Use calculatorCalculate debt-to-income ratio from monthly debts and gross income — see DTI %, front-end, back-end and mortgage qualification.
Use calculatorCalculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need.
Use calculatorEstimate PMI cost from loan, LTV and credit — see monthly PMI, yearly and total PMI until 80% LTV.
Use calculatorPlan budget from income and expenses by category — see spending breakdown, savings and 50/30/20 rule.
Use calculatorCalculate personal loan payments, total interest and total cost for any amount, rate and term — see monthly and yearly.
Use calculatorCalculate home loan (mortgage) payments with principal, interest, taxes and insurance — see PITI and total cost.
Use calculatorCalculate education loan payments for tuition plus living — see monthly, total interest and total cost with deferment.
Use calculatorCalculate medical loan payments for bills — see monthly, total interest and total cost for medical financing.
Use calculatorCalculate vacation loan payments for travel — see monthly, total interest and total cost vs saving.
Use calculatorEstimate closing costs from home price and loan — see total closing costs, per category and cash to close.
Use calculatorCalculate escrow from taxes and insurance — see monthly escrow, yearly and total PITI escrow.
Use calculatorCalculate HOA fees impact from monthly fee, home price and years — see total HOA, HOA as % of value and monthly burden.
Use calculatorCalculate HELOC payments from credit line, rate and draw period — see monthly payment and total interest.
Use calculatorEstimate reverse mortgage proceeds from home value, age and rate — see lump sum, tenure and line of credit.
Use calculatorCalculate second mortgage payments from amount, rate and term — see monthly, total interest and combined LTV.
Use calculatorCompare consolidating debts vs keeping separate — see new payment, total interest and months saved.
Use calculatorCalculate refinance savings from old and new loan details plus costs — see monthly savings, total savings and break-even.
Use calculatorCalculate FIRE number and years to financial independence from expenses, savings and return — see FIRE number and timeline.
Use calculatorCalculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast.
Use calculatorCalculate savings rate from income and savings — see savings rate %, expenses and years to FIRE at that rate.
Use calculatorCalculate expense ratio impact on investments: see yearly fee, total fees and drag on returns over years.
Use calculatorCalculate Barista FIRE: part-time covers expenses while savings grow to full FIRE — see Barista number and years.
Use calculatorCalculate balance transfer savings from fee, rate and months — see total cost, savings vs keeping balance.
Use calculatorCalculate cash advance cost from amount, fee and APR — see fee, interest and total cost vs regular purchase.
Use calculatorCalculate overdraft fees from transactions and fee per overdraft — see total fees, effective APR and alternatives.
Use calculatorCalculate late fees from balance, late fee and APR increase — see fee, penalty APR cost and total late cost.
Use calculatorCalculate bounced check cost from check amount, bank fee and merchant fee — see total cost and alternatives.
Use calculatorCalculate stock split impact: enter shares, price and split ratio to see new shares, new price and value unchanged.
Use calculatorCalculate dividend income from shares, dividend per share and yield — see annual, quarterly and yield.
Use calculatorCalculate capital gains tax from buy and sell prices, shares and holding period — see gain, tax and net.
Use calculatorEstimate credit score impact from utilization, payment history and inquiries — see score range and factors.
Use calculatorCheck loan eligibility from income, debts, credit score and down payment — see max loan, DTI and approval chance.
Use calculatorCalculate housing affordability index from income, home price and rates — see index, months of income needed and trend.
Use calculatorCalculate debt free date from balance, rate and payment — see payoff date, months and total interest.
Use calculatorCalculate time to savings milestones from current, monthly and return — see months to $10k, $50k, $100k.
Use calculatorMoney & Finance calculators: Loans, mortgages, interest, savings, taxes and tipping — understand the numbers before you commit. Browse 89 free tools for money & finance tasks. Enter values for instant results with formulas shown. No signup needed.
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| Calculator | What It Does | Formula |
|---|---|---|
| Loan Calculator | Work out the monthly payment, total interest and total cost of any amortizing loan. | M = P · r(1+r)ⁿ ÷ ((1+r)ⁿ − 1), where r is the monthly rate (APR ÷ 12) and n is months |
| Mortgage Calculator | Estimate the monthly payment on a home loan including taxes and insurance. | PI = L·r(1+r)ⁿ/((1+r)ⁿ−1); total monthly = PI + annual tax/12 + annual insurance/12 |
| Auto Loan Calculator | Calculate the monthly payment on a car loan after down payment and trade-in credit. | financed = price − down payment − trade-in; M = F·r(1+r)ⁿ/((1+r)ⁿ−1) |
| Compound Interest Calculator | See how a lump sum grows with compounding — plus optional regular contributions. | FV = P(1 + r/n)^(nt) + C·((1+i)^m − 1)/i where i is the monthly rate and C the monthly contribution |
| Simple Interest Calculator | Compute interest that grows linearly — principal × rate × time. | I = P × r × t (r as a decimal, t in years); Balance = P + I |
| Savings Goal Calculator | Find the monthly deposit needed to reach a savings target by a target date. | C = (Goal − Current·(1+i)ᵐ) ÷ (((1+i)ᵐ − 1)/i), with i the monthly rate and m the months |
| Investment Return Calculator | Measure total return and annualized growth rate (CAGR) between two portfolio values. | CAGR = (End ÷ Start)^(1/years) − 1; Total return = (End − Start) ÷ Start × 100 |
| ROI Calculator | Calculate return on investment: net profit relative to what you spent. | ROI = (Gain − Cost) ÷ Cost × 100 |
| Inflation Calculator | See what today's money will be worth in the future at a chosen average inflation rate. | Future cost = Amount × (1 + inflation)ʸ; Future purchasing power = Amount ÷ (1 + inflation)ʸ |
| Discount Calculator | Find the sale price and savings for any discount — including stacked double discounts. | Sale price = Price × (1 − D₁/100) × (1 − D₂/100) |
| Sales Tax Calculator | Add sales tax to a net price — or strip it back out of a tax-inclusive total. | Add: total = net × (1 + rate/100). Remove: net = gross ÷ (1 + rate/100) |
| VAT Calculator | Add VAT to a net price or remove it from a VAT-inclusive amount. | Gross = Net × (1 + VAT%); Net = Gross ÷ (1 + VAT%) |
| Tip Calculator | Work out the tip and total for any bill, split evenly across any group size. | Tip = Bill × Tip%; Total = Bill + Tip; Per person = Total ÷ Guests |
| Debt Payoff Calculator | Find how long a fixed monthly payment takes to clear a balance — and what it costs. | n = −ln(1 − r·B/P) ÷ ln(1 + r), where B is balance, P payment, r the monthly rate |
| Emergency Fund Calculator | Size an emergency fund from your essential expenses and see how long it takes to build. | Target fund = Monthly essential expenses × Months of coverage |
| Percentage Change Calculator | Calculate the signed percentage change between any two values — up or down. | change % = (new − old) ÷ |old| × 100 |
| APY Calculator | Convert a nominal interest rate into true annual yield based on compounding frequency. | APY = (1 + APR/n)ⁿ − 1, where n = compounding periods per year |
| Retirement Calculator | Estimate retirement savings: project future balance from current savings, monthly contributions, expected return and years to retirement. | FV = P*(1+r)^n + PMT * [((1+r)^n -1)/r] where r = annualRate/12, n = years*12 |
| Home Affordability Calculator | Estimate how much house you can afford from income, debts, down payment, rate and term using the 28/36 rule. | Max PITI = min(0.28*monthlyIncome, 0.36*monthlyIncome - debts); Price = (PITI loan payment) + down |
| Rent vs Buy Calculator | Compare renting vs buying: enter rent, home price, down payment, rate, term, and years to see break-even and total cost. | Rent cost = rent*12*years; Buy cost = down + (PITI*12*years) - equity + costs (simplified, ignores appreciation/tax) |
| Mortgage Refinance Calculator | See if refinancing saves money: compare current vs new mortgage payment, monthly savings and break-even months after closing costs. | Payment = P*r*(1+r)^n/((1+r)^n-1); Savings = P1-P2; Break-even = costs / savings |
| Credit Card Interest Calculator | Estimate credit card interest and payoff time from balance, APR, and monthly payment — see total interest and months to zero. | Months = -log(1 - r*b / p) / log(1+r) where r=APR/12/100, b=balance, p=payment; Interest = p*months - b |
| Student Loan Calculator | Estimate student loan payments, total interest and payoff time for federal or private loans with any rate and term. | Payment = P*r*(1+r)^n/((1+r)^n-1) where r=rate/12, n=years*12 |
| Car Affordability Calculator | Find affordable car price from monthly budget, down payment, trade-in, rate and term — see loan amount and total cost. | Affordable loan = payment * ((1+r)^n -1)/(r*(1+r)^n); Price = loan + down + trade |
| Crypto Profit Calculator | Calculate crypto profit/loss from buy and sell prices, quantity and fees — see profit, return % and net after fees. | Profit = (sell-buy)*qty - fees; Return% = profit / (buy*qty) *100 |
| Stock Average Calculator | Calculate average stock cost after multiple buys — see average price, total shares, total cost and break-even price. | Average = totalCost / totalShares where totalCost = sum(shares*price) |
| Freelance Tax Calculator | Estimate freelance taxes and take-home: enter income, expenses and tax rate to see taxable income, tax and net. | Taxable = income - expenses; Tax = taxable*rate; Net = income - tax; Quarterly = tax/4 |
| Car Lease vs Buy Calculator | Compare leasing vs buying a car: enter price, lease terms and loan terms to see monthly payment and total cost over years. | Lease total = leaseDown + leaseMo*12*years; Buy total = down not here + loan payments for years + residual: simplified buy total = loan payment*12*years |
| Down Payment Calculator | Calculate down payment amount and percent from home price — see loan amount, PMI need and monthly impact. | Percent = down/price*100; Loan = price-down; PMI if <20% |
| Interest Rate Calculator | Find implied interest rate from loan amount, payment and term — solve for APR. | Solve r in payment = P*r*(1+r)^n/((1+r)^n-1) via binary search |
| Balloon Payment Calculator | Calculate balloon loan payments with large final payment — see monthly, balloon and total interest. | Balloon = P*balloonPct; Payment amortizes P-balloon over n, balloon due at end |
| Early Payoff Calculator | See impact of extra payments: enter loan balance, rate, term and extra monthly to see time saved and interest saved. | Simulate amortization with extra: monthsEarly, interestSaved |
| Rent Increase Calculator | Calculate rent increase by percent or amount — see new rent, increase and yearly impact. | New = rent*(1+pct/100) or rent+amount; Yearly increase = (new-rent)*12 |
| Mortgage Payoff Calculator | Calculate mortgage payoff with extra payments: see new payoff time, interest saved and amortization with extra. | Standard P = balance*r*(1+r)^n/((1+r)^n-1); With extra, iterate month by month deducting extra from principal |
| Savings Goal Calculator | Calculate monthly savings needed to reach goal: enter target amount, years, current savings and rate to see monthly deposit. | PMT = (FV - PV*(1+r)^n) * r / ((1+r)^n -1) where r=rate/12, n=years*12 |
| Debt Avalanche vs Snowball Calculator | Compare debt payoff strategies: avalanche (highest rate first) vs snowball (smallest balance first) — see total interest and months. | Simulate both orders month by month: avalanche pays high rate first, snowball low balance first. Compare total interest. |
| Effective Interest Rate Calculator | Calculate effective annual rate (EAR) from nominal rate and compounding frequency — see EAR, APY and periodic rate. | EAR = (1 + nominal/m)^m -1 where m=compounding frequency |
| Loan Comparison Calculator | Compare two loans side by side: enter amounts, rates, terms to see payment, total interest and total cost difference. | Payment via loanPayment; Total = payment*months; Diff = total2-total1 |
| Property Tax Calculator | Calculate annual property tax from home value and tax rate — see yearly, monthly and effective rate. | Tax = (value - exemption) * rate/100; Monthly = tax/12 |
| Home Equity Calculator | Calculate home equity from value and mortgage balance — see equity dollars, percent and LTV. | Equity = value - balance; Percent = equity/value*100; LTV = balance/value*100 |
| Rent Affordability Calculator | Calculate affordable rent from income using 30% rule — see max rent, yearly rent and income needed for target rent. | Affordable rent = income*0.30/12; Income needed = rent*12/0.30 |
| Net Present Value Calculator | Calculate NPV from cash flows and discount rate — see NPV, IRR approximation and profitability. | NPV = -initial + Σ cf/(1+r)^t for t=1..years |
| Payback Period Calculator | Calculate payback period from investment and annual cash flow — see years, months and discounted payback. | Simple payback = investment/cashflow; Discounted iterates NPV |
| Mortgage Extra Payment Calculator | Calculate extra mortgage payment impact: see new payoff, interest saved and amortization with extra monthly. | Standard P = balance*r*(1+r)^n/((1+r)^n-1); With extra, iterate deducting extra from principal |
| Compound Annual Growth Rate Calculator | Calculate CAGR from start and end values over years — see annual growth rate, total return and doubling time. | CAGR = (end/start)^(1/years) -1; Total return = (end-start)/start |
| Savings Withdrawal Calculator | Calculate how long savings last with withdrawals: enter balance, withdrawal, return and inflation to see years until depletion. | Simulate month by month: balance = balance*(1+r/12) - withdrawal*(1+inflation)^years; count months until zero |
| Cost of Living Calculator | Compare cost of living between cities: enter current costs and index differences to see equivalent salary needed. | Equivalent = current * (newIndex / currentIndex) |
| Tip and Tax Calculator | Calculate total bill with tip and tax: enter subtotal, tip percent and tax rate to see tip, tax, total and per person. | Tip = subtotal*tipPct; Tax = subtotal*taxRate; Total = subtotal+tip+tax; Per person = total/people |
| Life Insurance Calculator | Calculate life insurance needs from income, debts, future expenses and current savings — see coverage needed and monthly cost estimate. | Needs = income*years + debts - savings; Income replacement dominates |
| Home Insurance Calculator | Estimate home insurance cost from home value, coverage and deductible — see annual premium and monthly. | Premium = (value*coverage/1000)*rate; Adjusted slightly for deductible |
| Auto Insurance Calculator | Estimate auto insurance premium from coverage, deductible, driving record and vehicle value — see yearly and monthly cost. | Premium = base * recordFactor * vehicleFactor where clean 1.0, one 1.25, multiple 1.6; low 0.85, high 1.25 |
| Disability Insurance Calculator | Calculate disability insurance needs from income and expenses — see coverage, benefit and premium estimate. | Needed = max(expenses, income*0.6) - existing; Benefit ~60% of income typical |
| Umbrella Insurance Calculator | Estimate umbrella insurance needs from assets and risk — see recommended coverage and cost. | Recommended = netWorth * riskFactor where low 1.0, medium 1.2, high 1.5, rounded to next $1M |
| Credit Utilization Calculator | Calculate credit utilization ratio from balances and limits — see utilization %, impact and recommended limit. | Utilization = balance/limit*100; Recommended <30%, ideal <10% |
| Debt to Income Ratio Calculator | Calculate debt-to-income ratio from monthly debts and gross income — see DTI %, front-end, back-end and mortgage qualification. | DTI = debts/income*100; Front-end = housing/income*100; Back-end = (debts+housing)/income*100 |
| Loan to Value Ratio Calculator | Calculate loan-to-value ratio from loan and value — see LTV %, down payment % and PMI need. | LTV = loan/value*100; Down % = 100-LTV; PMI if LTV>80% |
| Mortgage Insurance Calculator | Estimate PMI cost from loan, LTV and credit — see monthly PMI, yearly and total PMI until 80% LTV. | PMI rate: excellent 0.3%, good 0.6%, fair 1.0% yearly of loan; Monthly = loan*rate/12 |
| Budget Planner Calculator | Plan budget from income and expenses by category — see spending breakdown, savings and 50/30/20 rule. | Total = needs+wants+savings; 50/30/20 ideal: needs 50%, wants 30%, savings 20% of income |
| Personal Loan Calculator | Calculate personal loan payments, total interest and total cost for any amount, rate and term — see monthly and yearly. | Payment = P*r*(1+r)^n/((1+r)^n-1) where r=rate/12, n=years*12 |
| Home Loan Calculator | Calculate home loan (mortgage) payments with principal, interest, taxes and insurance — see PITI and total cost. | PITI = loanPayment(principal, r, n) + tax/12 + insurance/12 where principal=price-down |
| Education Loan Calculator | Calculate education loan payments for tuition plus living — see monthly, total interest and total cost with deferment. | Total borrowed = tuition+living; Payment = amortized over years at rate |
| Medical Loan Calculator | Calculate medical loan payments for bills — see monthly, total interest and total cost for medical financing. | Payment = P*r*(1+r)^n/((1+r)^n-1) where r=rate/12, n=years*12 |
| Vacation Loan Calculator | Calculate vacation loan payments for travel — see monthly, total interest and total cost vs saving. | Payment = P*r*(1+r)^n/((1+r)^n-1) where r=rate/12, n=months |
| Closing Cost Calculator | Estimate closing costs from home price and loan — see total closing costs, per category and cash to close. | Closing = price*rate/100; Cash to close = down + closing where down=price-loan |
| Escrow Calculator | Calculate escrow from taxes and insurance — see monthly escrow, yearly and total PITI escrow. | Escrow monthly = (tax+insurance+pmi)/12; PITI escrow = escrow |
| HOA Fee Calculator | Calculate HOA fees impact from monthly fee, home price and years — see total HOA, HOA as % of value and monthly burden. | Yearly = fee*12; Total = yearly*years; % = fee*12/value*100 |
| HELOC Calculator | Calculate HELOC payments from credit line, rate and draw period — see monthly payment and total interest. | Payment = draw*r*(1+r)^n/((1+r)^n-1) where r=rate/12, n=years*12 |
| Reverse Mortgage Calculator | Estimate reverse mortgage proceeds from home value, age and rate — see lump sum, tenure and line of credit. | Principal limit factor ~0.45 at 62, +0.01 per year after, times value at rate 5%; higher rate lowers proceeds |
| Second Mortgage Calculator | Calculate second mortgage payments from amount, rate and term — see monthly, total interest and combined LTV. | Payment = P*r*(1+r)^n/((1+r)^n-1); Combined LTV = (first+second)/value*100 |
| Debt Consolidation Calculator | Compare consolidating debts vs keeping separate — see new payment, total interest and months saved. | Current total interest = sum of each debt amortized at its rate with minimums; New loan amortizes total at new rate |
| Refinance Savings Calculator | Calculate refinance savings from old and new loan details plus costs — see monthly savings, total savings and break-even. | Old payment vs new payment; Monthly savings = old - new; Break-even = costs / monthly savings; Total savings = (old*oldYears*12) - (new*newYears*12 + costs) |
| FIRE Calculator | Calculate FIRE number and years to financial independence from expenses, savings and return — see FIRE number and timeline. | FIRE number = expenses / withdrawalRate; Years via FV with contributions |
| Coast FIRE Calculator | Calculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast. | FIRE at 65 = expenses/withdrawal; Coast = FIRE / (1+r)^(years to 65) |
| Savings Rate Calculator | Calculate savings rate from income and savings — see savings rate %, expenses and years to FIRE at that rate. | Savings rate = savings/income*100; Years to FI approx via 4% rule and return |
| Expense Ratio Calculator | Calculate expense ratio impact on investments: see yearly fee, total fees and drag on returns over years. | Yearly fee = investment*ratio; With compounding, total fees and net return: net = gross - ratio; FV with fee vs without |
| Barista FIRE Calculator | Calculate Barista FIRE: part-time covers expenses while savings grow to full FIRE — see Barista number and years. | Gap = expenses - partTime; Barista FIRE = gap / withdrawalRate; Years to Barista via FV |
| Balance Transfer Calculator | Calculate balance transfer savings from fee, rate and months — see total cost, savings vs keeping balance. | Fee = balance*fee%; New interest = balance*newRate/12*months; Old interest = balance*oldRate/12*months; Savings = old - (fee+new interest) |
| Cash Advance Calculator | Calculate cash advance cost from amount, fee and APR — see fee, interest and total cost vs regular purchase. | Fee = amount*fee%; Interest = amount*APR/365*days; Total = amount+fee+interest |
| Overdraft Fee Calculator | Calculate overdraft fees from transactions and fee per overdraft — see total fees, effective APR and alternatives. | Total fees = count*fee; Effective APR = total fees / total overdraft amount *100 (if repaid in 2 weeks) |
| Late Fee Calculator | Calculate late fees from balance, late fee and APR increase — see fee, penalty APR cost and total late cost. | Total = fee + balance*penaltyAPR/12*months |
| Bounced Check Calculator | Calculate bounced check cost from check amount, bank fee and merchant fee — see total cost and alternatives. | Total = bankFee + merchantFee; Effective cost = total/checkAmount*100 |
| Stock Split Calculator | Calculate stock split impact: enter shares, price and split ratio to see new shares, new price and value unchanged. | New shares = shares*ratio; New price = price/ratio; Value unchanged |
| Dividend Calculator | Calculate dividend income from shares, dividend per share and yield — see annual, quarterly and yield. | Annual = shares*dividend; Yield = dividend/price*100; Quarterly = annual/4 |
| Capital Gains Tax Calculator | Calculate capital gains tax from buy and sell prices, shares and holding period — see gain, tax and net. | Gain = (sell-buy)*shares; Tax = gain*rate if gain>0; Net = gain - tax |
| Credit Score Calculator | Estimate credit score impact from utilization, payment history and inquiries — see score range and factors. | Score = 300 + utilizationFactor + paymentHistoryFactor - inquiries*5 where utilization>30% deducts |
| Loan Eligibility Calculator | Check loan eligibility from income, debts, credit score and down payment — see max loan, DTI and approval chance. | Max loan via 28/36 and 4.5x income rule, adjusted for credit |
| Affordability Index Calculator | Calculate housing affordability index from income, home price and rates — see index, months of income needed and trend. | Qualifying income = PITI*12/0.28 where PITI is loan payment at 20% down; Index = median income / qualifying*100 |
| Debt Free Date Calculator | Calculate debt free date from balance, rate and payment — see payoff date, months and total interest. | Months = -log(1 - r*b/p)/log(1+r) where r=APR/12, b=balance, p=payment; Date = today + months |
| Savings Milestone Calculator | Calculate time to savings milestones from current, monthly and return — see months to $10k, $50k, $100k. | Months to goal via FV annuity: solve n in FV = current*(1+r)^n + monthly*((1+r)^n -1)/r |
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