Free money calculators
A $400,000 mortgage at 6.5% will cost you $510,178 in interest.
Put an extra $200 toward principal each month, and you’ll be mortgage-free 5 years 7 months sooner — with $111,892 still in your pocket.
What do you want to do?
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What are you figuring out?
- Buying a home
Mortgage CalculatorMortgage Payoff CalculatorPay Off Mortgage or Invest?
- Borrowing for something big
- Building wealth
Investment CalculatorIncreasing Contributions CalculatorInvestment Growth CalculatorCD Calculator
- Saving for a goal
- Planning for retirement
Retirement CalculatorRetirement Withdrawal CalculatorPortfolio Backtest
All calculators
Mortgage and loan calculators
- Mortgage CalculatorMonthly payment and amortization schedule
- Mortgage Payoff CalculatorInterest saved with extra payments
- Pay Off Mortgage or Invest?Extra payments or the market: which leaves you ahead
- Compare LoansTwo loan offers side by side: payment, fees and APR
- Personal Loan CalculatorPayment, APR with fees, compare offers
- Mortgage Refinance CalculatorMonthly savings and the break-even on closing costs
- 15 vs. 30-Year Mortgage CalculatorHigher payment and less interest, or invest the difference?
- Auto Loan CalculatorCar payment with tax, trade-in and the interest deduction
- Lease vs. Buy Car CalculatorWhich costs less once the car’s value is counted
- Home Affordability CalculatorHow much house you can afford on your income
- Rent vs. Buy CalculatorShould you buy a home or keep renting?
- Debt Payoff CalculatorAvalanche vs. snowball, and your debt-free date
Investment and savings calculators
- 529 College Savings CalculatorMonthly saving to pay for college
- XIRR CalculatorAnnualized return with deposits at different times
- Whole Life vs. Term + InvestIs whole life worth it, or buy term and invest the difference?
- Investment CalculatorWhat monthly investing grows to
- Increasing Contributions CalculatorInvesting more every year as your pay grows
- Investment Growth CalculatorWhat a one-time investment grows to
- Compound Interest CalculatorGrowth with daily, monthly or yearly compounding
- CD CalculatorCertificate of deposit value and APY
- CAGR CalculatorCompound annual growth rate of an investment
Federal tax calculators
Retirement and planning calculators
- 401(k) CalculatorYour 401(k) at retirement, with the employer match
- Roth vs. Traditional CalculatorPay the tax now or later: which leaves more
- RMD CalculatorRequired minimum distribution from IRAs and 401(k)s
- Social Security Claiming Age CalculatorBest age to claim: 62, full retirement age or 70
- FIRE CalculatorYour financial independence number and date
- Emergency Fund CalculatorHow much to keep for emergencies, and when you’ll get there
- Inflation CalculatorValue of a dollar over time, and future prices
- Savings Goal CalculatorWhat to invest each month to reach a goal
- Retirement CalculatorHow much you need, and whether it lasts
- Retirement Withdrawal CalculatorHow long your savings last with monthly withdrawals
- Portfolio BacktestHow a mix of stocks, bonds and gold really did