Money, with context
Your finance workspaceMake your next financial decision clearer.
Understand the cost, compare your options and keep the assumptions in view. Start with the question you have today.
Budgeting
- Monthly Budget CalculatorUnallocated monthly income = net income minus listed expenses. Enter your own values; the result updates only when you run the tool.
- 50/30/20 Budget CalculatorSplit after-tax income into a chosen 50% needs, 30% wants and 20% savings framework. Enter your own values; the result updates only when you run the tool.
- Net Worth CalculatorNet worth = total listed assets minus total listed liabilities. Enter your own values; the result updates only when you run the tool.
- Subscription Total CalculatorAdd recurring monthly subscription prices and annualize the total. Enter your own values; the result updates only when you run the tool.
Debt & credit
- Debt Payoff CalculatorMonths to repay at a fixed payment with monthly interest and no new borrowing. Enter your own values; the result updates only when you run the tool.
- Debt Snowball CalculatorKeep the total payment budget constant and target smallest remaining balance first; fixed minimums and monthly interest assumed. Enter your own values; the result updates only when you run the tool.
- Debt Avalanche CalculatorKeep the total payment budget constant and target highest APR first; fixed minimums and monthly interest assumed. Enter your own values; the result updates only when you run the tool.
- Credit Utilization CalculatorUtilization = revolving balance / available credit limit × 100. Enter your own values; the result updates only when you run the tool.
Saving
- Savings Goal CalculatorMonthly saving = remaining goal / months; no growth assumed. Enter your own values; the result updates only when you run the tool.
- Emergency Fund CalculatorReserve target = essential monthly expenses × chosen months of coverage. Enter your own values; the result updates only when you run the tool.
- Savings Duration CalculatorWhole months needed to reach a goal with no interest. Enter your own values; the result updates only when you run the tool.
- Savings Rate CalculatorSavings rate = monthly savings / monthly net income × 100. Enter your own values; the result updates only when you run the tool.
Investing & retirement
- Compound Interest CalculatorEnding balance = principal × (1 + rate / frequency) raised to periods. Enter your own values; the result updates only when you run the tool.
- Monthly Investment GrowthEnd balance with monthly compounding and end-of-month contributions; constant hypothetical return. Enter your own values; the result updates only when you run the tool.
- Retirement Savings GapUnfunded target = target retirement balance minus current savings; no growth assumption. Enter your own values; the result updates only when you run the tool.
- Investment Fee CalculatorAnnual fee estimate = current balance × annual fee percentage; ignores balance changes. Enter your own values; the result updates only when you run the tool.
Loans
- Loan Payment CalculatorFixed monthly payment on a fully amortizing loan; fees are excluded. Enter your own values; the result updates only when you run the tool.
- Loan Comparison CalculatorCompare fixed-payment loans with equal principal and term; fees excluded. Enter your own values; the result updates only when you run the tool.
- Extra Loan Payment CalculatorCompare payoff periods before and after a fixed extra monthly payment. Enter your own values; the result updates only when you run the tool.
- Refinance Break-even CalculatorSimple fee recovery time = refinance costs / monthly payment saving; ignores term extension. Enter your own values; the result updates only when you run the tool.
Housing
- Rent vs BuyHome ownership or renting — the honest math
- Mortgage Payment CalculatorMonthly principal, interest, property tax and insurance; excludes HOA and mortgage insurance. Enter your own values; the result updates only when you run the tool.
- Home Affordability EstimateHome price supported by your stated payment budget and down payment; excludes taxes, insurance and lender qualification. Enter your own values; the result updates only when you run the tool.
- Rent Budget CalculatorRent budget from an income share you choose; does not assess landlord eligibility. Enter your own values; the result updates only when you run the tool.
Car finance
- Lease vs Buy CarLower payments vs long-term ownership
- Car Loan CalculatorFixed vehicle payment on price minus cash down payment. Enter your own values; the result updates only when you run the tool.
- Repair vs Replace CarOne more repair, or a new ride?
- EV vs Gas Energy CostCompare energy costs only; excludes purchase price, charging losses, insurance and maintenance. Enter your own values; the result updates only when you run the tool.
Income & taxes
- Salary to Hourly CalculatorEquivalent hourly pay = annual salary / paid weeks / paid weekly hours. Enter your own values; the result updates only when you run the tool.
- Take-home Pay EstimateApproximate net pay using your effective withholding and other deductions; not a tax return calculation. Enter your own values; the result updates only when you run the tool.
- Sales Tax CalculatorApply your supplied sales tax rate to a taxable subtotal. Enter your own values; the result updates only when you run the tool.
- Bonus Pay EstimateGross bonus = eligible salary × target bonus percentage × payout percentage. Enter your own values; the result updates only when you run the tool.
Financial decisions
Understand the numbers
Start with assumptions and methodology or our sources. Editorial guides will appear here when reviewed and published.