Skip to content

Money Calculators

Free, accurate tools for every money decision — from your monthly mortgage payment and federal tax bill to your retirement savings and life insurance needs. Pick a calculator to get a result-first answer with a clear breakdown.

The tools fall into four groups: borrowing (mortgage, refinance, personal and auto loans, debt payoff), income and taxes (paycheck, federal income tax, sales tax), saving and planning (compound interest, retirement, life insurance), and prices over time (inflation). Each one asks only for the numbers it needs, shows the main result first, and explains the formula underneath with your own figures.

How to choose the right calculator

Buying a home or already own one

If you are shopping for a home, start with the mortgage calculator to see the full monthly payment with property tax, insurance and PMI. If you already have a mortgage and rates have changed, use the refinance calculator instead: it compares your current payment with a new loan and shows how long the closing costs take to pay back.

Borrowing or paying off debt

For a new fixed-rate loan, the loan calculator gives the payment and total interest; for a car, the auto loan calculator adds the trade-in, down payment and sales tax that change the amount financed. If you already carry a balance, such as credit cards, the debt payoff calculator shows when you will be debt-free and what an extra monthly payment saves.

Understanding your pay and taxes

To see what lands in your bank account each payday, use the paycheck calculator, which applies federal, FICA and state withholding to each paycheck; its state-by-state index links take-home pay pages for every state. To see your yearly federal bill bracket by bracket, use the income tax calculator. For the tax on a purchase, use the sales tax calculator.

Saving, investing and protecting your family

To project one savings balance at a fixed rate, use the compound interest calculator. To plan a whole career of contributions with a salary, raises and an employer match, use the retirement calculator. To size a life insurance policy from your income, debts and children's education, use the life insurance calculator. To compare a price or salary from another year, use the inflation calculator.

Guide to each calculator

Mortgage Calculator

Answers what a home will cost each month. Enter the home price, down payment, interest rate, loan term, yearly property tax, home insurance and PMI rate; you get the estimated monthly payment split into principal and interest, property tax, insurance and PMI, plus the loan amount, total interest and payoff date. Open the mortgage calculator.

Refinance Calculator

Answers whether a new loan is worth its closing costs. Enter the current balance, current rate, years left, the new rate, the new term and the closing costs; you get the current and new monthly payments, the monthly savings, the break-even point and the net savings after closing costs. Open the refinance calculator.

Life Insurance Calculator

Answers how much coverage your family might need. Enter the income to replace and for how many years, the mortgage balance, other debts, final expenses, number of children and education cost per child, then your existing coverage and savings; you get the total need and the estimated additional coverage. Open the life insurance calculator.

Retirement Calculator

Answers what your savings could grow to by retirement. Enter your current and retirement age, current savings, salary, yearly raise, your contribution, the employer match and its limit, the annual return and inflation; you get the balance at retirement, the value in today's dollars, and how much came from your contributions, the match and investment growth. Open the retirement calculator.

Personal Loan Calculator

Answers what a fixed-rate loan costs. Enter the loan amount, interest rate (APR), loan term and an optional extra monthly payment; you get the monthly payment, total interest, total of payments and payoff date, and with an extra payment, the interest saved and how much sooner the loan ends. Open the loan calculator.

Auto Loan Calculator

Answers what a car payment will be. Enter the vehicle price, down payment, trade-in value, sales tax rate and how your state taxes a trade-in, then the APR and term; you get the monthly payment, the amount financed, total interest, total of payments and payoff date. Open the auto loan calculator.

Debt Payoff Calculator

Answers when a balance will be gone. Enter the total balance, interest rate (APR), monthly payment and an optional extra payment; you get the time until you are debt-free, the payoff date, total interest and total paid, and what the extra payment saves in interest and time. Open the debt payoff calculator.

Compound Interest Calculator

Answers what a balance grows to over time. Enter the starting balance, monthly contribution, annual interest rate, years to grow and how often interest compounds; you get the future balance, total contributions and total interest earned. Open the compound interest calculator.

Income Tax Calculator 2026

Answers how much federal income tax you owe for the year. Enter your filing status, gross annual income, pre-tax deductions and, if you itemize, itemized deductions; you get taxable income, federal income tax, income after federal tax and a table of the tax in each bracket. Open the income tax calculator.

Paycheck Calculator

Answers what you take home each payday. Enter your gross annual salary, pay frequency, filing status, state, 401(k) contribution and other pre-tax deductions; you get gross pay per paycheck, each tax withheld and the net take-home amount. State-specific pages are listed in its by-state index. Open the paycheck calculator.

Sales Tax Calculator

Answers what a purchase costs with tax, or what it cost before tax. Choose to add tax to a price or remove it from a total, pick a state to fill in its state rate and average local rate, and enter the amount; you get the pre-tax price, sales tax amount, combined rate and final total. Open the sales tax calculator.

Inflation Calculator

Answers what an amount from one year is worth in another. Enter the amount, starting year and ending year; you get the equivalent value, total inflation, the cumulative price change and the average annual inflation rate, based on the CPI-U from the Bureau of Labor Statistics. Open the inflation calculator.

About our money calculators

Whether you are buying a home, financing a car, paying down credit cards, planning for retirement, or sizing a life insurance policy, the right calculator turns a big financial question into a clear number. Our money calculators use standard U.S. formulas — amortization for loans and mortgages, FICA and federal brackets for paychecks, and CPI data for inflation — so the estimates line up with how banks, lenders, and the IRS actually work. Every tool shows the answer first, then explains exactly how it was calculated, so you can trust the result and learn the math behind it. Bookmark this page to compare scenarios, and remember that these calculators provide educational estimates to guide your planning, not personalized financial advice.