Financial Calculators
Plan mortgages, loans, savings and investments with clear payment breakdowns.
About these calculators
Every financial calculator here shows the monthly figure you asked for and the total cost behind it, so you can compare terms, rates and payment plans before you commit.
Related guides
How to read an amortization schedule, row by row
A plain-English walkthrough of a real 30-year amortization schedule: what each column means, when principal overtakes interest, and what extra payments change.
48 vs. 60 vs. 72-month car loan: what each term really costs
Monthly payment vs. total cost on 48, 60, 72 and 84-month car loans, the negative equity trap, and when a longer term can still make sense.
How much to invest each month to reach $1 million
The monthly amount needed to reach $1 million by age and return, what fees and inflation do to it, and how existing savings change the plan.
How to calculate a loan payment by hand, on a calculator or in Excel
The formula banks use to set your monthly loan payment, three ways to calculate it yourself, and how the term changes what you pay.
How much car can I afford? The 20/4/10 rule and the costs people forget
A practical way to set a car budget: the 20/4/10 rule, price ranges by income, and what longer loans really cost.
How much should I save each month? A goal-by-goal way to decide
Rules of thumb are a start. Here is how to work out a monthly savings amount for each goal, and how to fit them all into one plan.
How much house can I afford? What lenders approve vs. what you can live with
Pre-approval tells you the maximum a bank will lend. Here is how to find the number you can actually live with.
How to improve your credit score: what moves the number and what doesn’t
Credit scores reward a few specific habits. Here is where to focus, how fast things change and what a better score is worth.
Should I refinance my mortgage? Do the break-even math first
Refinancing only pays off if you stay long enough to earn back the costs. Here is the simple calculation that tells you.
Simple vs. compound interest: which one is on your loan or savings?
Which type of interest applies to your car loan, credit card or savings account, and why it changes what you pay or earn.
How to build an emergency fund when money is already tight
How much to save, where to keep it and how to build an emergency fund even on a tight budget.
What is ROI? How to calculate return on investment without fooling yourself
ROI is easy to calculate and easy to misuse. Here is how to work it out properly, with stock, rental and marketing examples.
How is a mortgage payment calculated? The math behind your monthly bill
Your mortgage payment never changes, but what it pays for does. Here is the math, with a real example.
Compound interest explained: why time matters more than the rate
Leave $10,000 alone for 30 years and it can grow more than sevenfold. Here is how compound interest does it.
How much do I need to retire? A practical way to find your number
There is no magic retirement number, but there is a reliable way to estimate yours. Here is the method, step by step.
APR vs. interest rate: which number should you actually compare?
Two loans with the same rate can cost very different amounts. APR shows you why, but it has blind spots too.
How to pay off credit card debt faster (and keep it from coming back)
A $5,000 card balance can take 4.5 years or 12 months to clear. What makes the difference is simpler than you think.
15 vs. 30-year mortgage calculator: which term should you choose?
A 15-year mortgage saves a fortune in interest. A 30-year one buys flexibility. Here is how to choose with real numbers.
How does inflation affect your savings? What your money really buys over time
Your balance can grow while your buying power shrinks. Here is how inflation works on savings and how to stay ahead of it.
Offers from our partners
Compare mortgage rates
Placeholder for a rate-comparison partner.
Personal loan offers
Placeholder for a loan marketplace partner.
Insurance quotes
Placeholder for a home or auto insurance partner.