Finance & Money Calculators
Free calculators for personal finance, investing, taxes, retirement planning, and business analysis. From mortgage payments to business valuation and actuarial science, each tool shows the underlying formulas and worked examples so you understand the math behind the result.
Featured Calculators
- business valuation calculator using SDE and EBITDA multiples
Estimate business value using Seller's Discretionary Earnings, EBITDA, or revenue multiples. Includes guidance on which method fits your business type.
- personal loan payment calculator with amortization schedule
Calculate monthly payment, total interest, and amortization for any unsecured personal loan.
- compound interest calculator with monthly contributions
Project long-term account growth with compounding frequency, recurring contributions, and rate assumptions.
- IRR calculator — internal rate of return for investment decisions
Calculate the internal rate of return for a series of uneven cash flows.
- break-even analysis calculator — units and revenue break-even point
Find the unit and revenue break-even point from fixed costs, variable costs, and selling price.
- loan payoff calculator — impact of extra payments on payoff timeline
See how additional monthly or lump-sum payments reduce your loan term and total interest.
Actuarial Science
Specialized calculators for actuarial students and practitioners working with life tables, annuity present values, policy reserves, and survival models. Each tool shows the derivation and formula alongside the computed result.
- net single premium calculator for whole life and term insurance
Compute whole life, term life, and endowment net single premium factors and premiums.
- actuarial reserve calculator for in-force life insurance policies
Calculate prospective reserves for whole life, term, and endowment policies.
- life table mortality and survival probability calculator
Estimate survival probability and life expectancy from modeled mortality tables.
- actuarial present value of annuities calculator
Compute actuarial present values for whole life, temporary, and deferred annuities.
- survival analysis calculator for parametric hazard models
Parametric survival and hazard outputs for exponential, Weibull, and Gompertz models.
All Finance & Money Tools
- Mortgage Payment Calculator
Calculate monthly mortgage payments including principal, interest, taxes, insurance, PMI, and HOA. View full amortization schedule.
- Mortgage Affordability Calculator
How much house you can afford based on income, debts, down payment, and interest rate.
- Refinance Break-Even Calculator
Calculate when refinancing pays off given new loan terms and closing costs.
- ARM vs Fixed Calculator
Compare adjustable-rate vs fixed-rate mortgages over the life of the loan.
- Rent vs Buy Calculator
Compare the total cost of renting vs buying a home over a given time period.
- Auto Loan Calculator
Calculate car payments with down payment, trade-in value, and loan terms.
- Student Loan Calculator
Calculate education debt payments across different repayment plans.
- Debt Snowball Calculator
Calculate debt payoff using the snowball method (smallest balance first).
- Debt Avalanche Calculator
Calculate debt payoff using the avalanche method (highest interest rate first).
- HELOC Calculator
Calculate home equity line of credit availability and payments.
- Savings Goal Calculator
Calculate the time and monthly contributions needed to reach a savings target.
- 401(k) Calculator
Calculate retirement account growth with employer match and annual contributions.
- Roth vs Traditional IRA Calculator
Compare Roth and Traditional IRA outcomes based on current and retirement tax rates.
- Required Minimum Distribution Calculator
Calculate your required minimum distribution (RMD) based on account balance and age.
- Social Security Estimator
Estimate Social Security benefits based on earnings and claiming age.
- Retirement Income Calculator
Plan retirement withdrawals with inflation adjustment to see how long your savings will last.
- FIRE Calculator
Calculate your path to Financial Independence and Early Retirement (FIRE).
- Dollar Cost Averaging Calculator
Compare dollar cost averaging vs lump sum investment strategies.
- Stock Return Calculator
Calculate total return on a stock investment including dividends over a holding period.
- Dividend Reinvestment (DRIP) Calculator
Calculate the growth of an investment with dividend reinvestment and dividend growth.
- Bond Yield Calculator
Calculate yield to maturity and current yield for bonds.
- Emergency Fund Calculator
Calculate how much you should save for emergencies based on expenses and risk tolerance.
- Income Tax Estimator
Estimate federal income tax by filing status with 2024 tax brackets.
- Tax Bracket Calculator
Find your marginal tax rate and see how your income falls across tax brackets.
- Paycheck Calculator
Calculate take-home pay after federal taxes, FICA, and deductions.
- Self-Employment Tax Calculator
Calculate self-employment tax (Social Security + Medicare) on net self-employment income.
- Capital Gains Tax Calculator
Calculate tax on investment gains based on holding period and income level.
- Tax Withholding (W-4) Calculator
Optimize your W-4 withholding to avoid a big refund or owing at tax time.
- Estimated Tax Payment Calculator
Calculate quarterly estimated tax payments for self-employed or additional income.
- HSA Tax Savings Calculator
Calculate tax savings from Health Savings Account contributions.
- 529 Tax Benefits Calculator
Calculate education savings plan tax benefits and projected growth.
- Property Tax Calculator
Estimate property taxes with exemptions and assessment ratios.
- Risk & Ruin Probability Calculator
Estimate insurer ruin probability bounds using a Cramer-Lundberg model with Poisson claims and exponential severity.
- Profit Margin Calculator
Calculate gross and net profit margins from revenue and costs.
- Markup Calculator
Calculate selling price from cost and markup percentage, or find the markup.
- Cash Flow Calculator
Analyze operating cash flow from revenue, expenses, and working capital changes.
- NPV Calculator
Calculate the net present value of future cash flows for investment decisions.
- ROI Calculator
Calculate return on investment from the gain and cost of an investment.
- Payback Period Calculator
Calculate the time to recoup an initial investment from periodic cash flows.
- Invoice Payment Terms Calculator
Calculate invoice payment terms with Net 30/60/90 and early payment discounts.
- Credit Card Payoff Calculator
Estimate payoff timeline with promo APR period, then standard APR and fixed monthly payment.
- Net Worth Tracker Calculator
Calculate net worth from assets and liabilities with category totals.
- Social Security Tax Torpedo Calculator
Estimate taxable Social Security based on provisional income and withdrawal levels.
- Renter Affordability Calculator
Estimate affordable rent based on income, debt obligations, and utility costs.
- Loan Comparison Calculator
Compare two loan options by payment, total interest, and total cost including fees.
- Cash-Out Refinance Comparison Calculator
Compare current mortgage vs cash-out refinance payment and long-term cost.
- ARM Reset Shock Simulator
Simulate payment shock when an ARM resets to a higher rate.
- Mortgage Buydown Calculator
Estimate rate buydown savings and break-even timeline from points paid.
- Rental Property Calculator
Evaluate rental property metrics including NOI, cap rate, cash flow, and cash-on-cash return.