Financial Tools & Calculators
Explore our collection of free financial calculators and tools designed to help you make informed investment decisions. Whether you're planning for retirement, calculating returns, or analyzing investments, our tools provide clear, actionable insights.
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Amortization Calculator
Calculate loan amortization schedules showing how each payment is split between principal and interest. See the complete payment breakdown for mortgages, auto loans, and more.
Annual Income Calculator
Convert between hourly, daily, weekly, monthly, and annual income. Calculate yearly salary from any pay period with customizable work schedules.
APR Calculator
Convert between APR and APY, calculate true loan APR with fees, and understand how compounding frequency affects returns. Free APR calculator with multiple calculation modes.
APY Calculator
Calculate Annual Percentage Yield from APR with compound interest. Compare different compounding frequencies and see how APY differs from APR for savings accounts and CDs.
Auto Lease Calculator
Calculate auto lease payments and total costs including money factor, residual value, and fees. Compare lease terms and understand depreciation costs for informed vehicle leasing decisions.
Auto Loan Calculator
Calculate auto loan payments, see total interest costs, and understand the true cost of financing your vehicle purchase.
Auto Loan Interest Deduction Calculator
Check eligibility for the new federal auto loan interest tax deduction (2025-2028). Calculate your deductible amount up to $10,000 annually with income phase-out analysis.
Average Return Calculator
Calculate average returns, CAGR, and cumulative returns on your investments. Understand your portfolio's true performance over time.
Annuity Calculator
Calculate present value, future value, and payment amounts for annuities. Compare ordinary annuities vs annuities due with detailed projections for retirement planning.
Asset Allocation Calculator
Determine your ideal investment mix based on age, risk tolerance, and goals. Get personalized portfolio recommendations to balance risk and return across stocks, bonds, and other assets.
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Boat Loan Calculator
Calculate boat loan payments with sales tax, registration fees, and trade-in value. Compare cash vs financing options and understand the total cost of boat ownership with detailed payment schedules.
Bond Calculator
Calculate bond yields and returns including current yield and yield to maturity (YTM). Evaluate fixed-income investments with payment schedules and price sensitivity analysis.
Business Day Calculator
Calculate business days between dates or add/subtract business days from any date. Automatically excludes weekends and federal holidays for accurate deadline planning.
Business Loan Calculator
Calculate business loan payments for term loans, SBA loans, and lines of credit. Compare loan costs with fees and find the best financing option for your business.
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CAGR Calculator
Calculate compound annual growth rate (CAGR) to measure investment performance over time. Compare CAGR vs simple returns and understand true annualized returns for better investment analysis.
Capital Gains Calculator
Calculate capital gains tax liability on investment sales. Estimate federal and state taxes, including NIIT, on short-term and long-term capital gains with detailed tax breakdowns.
Cash Back Calculator
Compare credit card cash back rewards and find the best card for your spending. Calculate annual rewards, compare multiple cards, and maximize credit card cash back.
CD Calculator
Calculate Certificate of Deposit returns with different terms and compounding frequencies. Compare CD rates and maximize your savings with FDIC-insured investments.
Closing Cost Calculator
Calculate total closing costs for home purchases. Estimate lender fees, title costs, government charges, and prepaid items to understand true homebuying expenses.
Commission Calculator
Calculate commission earnings with tiered commission rates and bonus thresholds. Project annual income, analyze effective commission rates, and optimize sales compensation strategies.
Compound Interest Calculator
Calculate the future value of your investments with compound interest. See how your money grows over time with detailed year-by-year breakdowns.
Cost of Living Calculator
Compare living expenses between cities and calculate equivalent salary needed. Understand cost differences in housing, transportation, food, healthcare, and utilities for relocation planning.
CPI Calculator
Calculate inflation-adjusted values using official Consumer Price Index data. Understand purchasing power changes and compare costs across decades from 1913 to 2024.
Credit Card Calculator
Calculate credit card payoff time and total interest. Compare minimum payment vs fixed payment strategies and see how long it takes to become debt-free.
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DCA Calculator
Calculate how regular investments grow over time with this simple DCA calculator. See the power of consistent investing and compound growth, no matter how much you can afford monthly.
Debt Consolidation Calculator
Compare multiple debts to a consolidation loan and see if consolidating saves money. Calculate monthly payment savings and total interest reduction with debt consolidation.
Debt Payoff Calculator
Calculate debt payoff time and see how extra payments accelerate your journey to becoming debt-free. Compare minimum payments vs aggressive payoff strategies with interest savings.
Debt Payoff vs Investing Calculator
Compare paying off debt versus investing extra money. See which strategy builds more wealth based on interest rates, returns, and your financial situation.
Debt to Income Ratio Calculator
Calculate your debt-to-income ratio for mortgage qualification. Understand front-end and back-end DTI, see if you qualify for different loan types, and learn how to improve your ratio.
Depreciation Calculator
Calculate asset depreciation using straight-line, declining balance, double declining, and sum of years digits methods. Compare depreciation methods and understand tax implications for business assets.
Discount Calculator
Calculate sale prices, discount percentages, and savings. Compare discounts and stack multiple discounts to find the best deals on purchases.
Dividend Calculator
Calculate dividend income, yield, and reinvestment growth. Track dividend payments with DRIP and see how dividend stocks build wealth over time.
Dividend Payout Ratio Calculator
Measure dividend payout ratio, retention ratio, and dividend coverage. See dividends per share vs earnings per share and estimate sustainable growth using ROE.
Dividend Reinvestment Calculator
Calculate the power of dividend reinvestment (DRIP) over time. Compare portfolio growth with and without DRIP, track shares accumulated, and see the compounding effect of reinvested dividends.
Dividend Tax Calculator
Estimate federal, NIIT, and state taxes on dividend income. Separate ordinary and qualified dividends using 2025 brackets to plan after-tax cash flow.
Dividend Yield Calculator
Convert dividend payouts into yield, yield on cost, and forward income projections. Track payout schedules and compare dividend opportunities instantly.
Dollar Cost Averaging Calculator
Demonstrate dollar cost averaging benefits over time. Compare DCA vs lump sum investing, see how volatility affects results, and understand timing risk reduction.
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FHA Loan Calculator
Calculate FHA loan payments with mortgage insurance premiums (MIP and UFMIP). Understand FHA financing requirements with low down payment options and compare scenarios for first-time homebuyers.
FIRE Calculator
Plan Financial Independence, Retire Early goals. Project your FIRE number, timeline, and passive income using spending, savings rate, and expected returns.
Forex Margin Calculator
Calculate forex margin requirements, pip values, and leverage. Position sizing and risk management calculator for currency trading.
Future Value Calculator
Calculate future value of investments with compound interest and regular contributions. Project investment growth and see the power of compounding over time.
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HELOC Calculator
Calculate Home Equity Line of Credit payments, draw periods, and repayment schedules. Compare HELOC vs home equity loan options and understand borrowing costs.
High Yield Savings Account Calculator
Calculate high yield savings account growth with compound interest. Compare different APY rates and see how monthly deposits grow your savings over time.
Home Equity Calculator
Calculate home equity, loan-to-value ratio, and available borrowing power. Track equity growth from appreciation and mortgage principal payments.
Home Equity Loan Calculator
Calculate home equity loan payments, interest costs, and amortization schedules. Determine borrowing capacity and compare loan terms for home equity financing.
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Income Tax Calculator
Calculate federal income tax with 2025 tax brackets, deductions, and credits. Estimate tax liability with itemized deductions, capital gains, and Child Tax Credit calculations.
Inflation Calculator
See how inflation affects purchasing power over time. Understand what your money will be worth in the future.
Interest Calculator
Calculate simple and compound interest with optional regular contributions. Compare interest calculation methods and see how compounding frequency affects returns.
Interest Rate Calculator
Calculate required interest rate to reach financial goals. Reverse calculate APR, APY, and returns needed to achieve target investment values.
Investment Calculator
Calculate investment end amounts, required contributions, return rates, starting amounts, and investment length. Comprehensive investment planning tool with multiple calculation modes.
Investment Goal Calculator
Determine how much you need to invest regularly to reach your financial goals. Plan for retirement, a down payment, or any major milestone.
IRR Calculator
Calculate internal rate of return (IRR) for investment cash flows. Analyze NPV, payback period, and investment profitability with detailed IRR calculations.
IRA Calculator
Comprehensive IRA calculator supporting both Traditional and Roth IRA accounts. Check eligibility, contribution limits, and compare account types to maximize retirement savings.
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Loan Payment Calculator
Calculate loan payments with amortization schedules and extra payment analysis. Compare monthly vs bi-weekly payments and see how extra payments reduce interest costs.
Loan Payoff Calculator
Calculate loan payoff time and interest savings with extra payments. See how accelerated repayment strategies help you become debt-free faster with detailed comparison charts.
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Margin Calculator
Calculate profit margins, stock trading margins, and forex margins. Includes profit margin calculator, stock margin calculator, and currency exchange margin calculator in one comprehensive tool.
Markup Calculator
Calculate markup percentages, profit margins, and selling prices. Understand the difference between markup and margin with detailed calculations and pricing strategy guides.
Mortgage Affordability Calculator
Calculate how much house you can afford based on income and debts. Determine maximum home price, required down payment, and monthly payment with DTI analysis.
Mortgage Calculator
Calculate your monthly mortgage payment including principal, interest, taxes, and insurance. Understand the true cost of homeownership.
Mortgage Payoff Calculator
Calculate mortgage payoff time with extra payments. See how additional principal payments save interest and shorten your loan term.
Monte Carlo Simulation for Retirement
Run thousands of retirement scenarios to understand probability of success. Account for market volatility and sequence of returns risk with comprehensive Monte Carlo analysis.
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Odds Calculator
Convert betting odds between American, Decimal, and Fractional formats. Calculate implied probability, parlay odds, and expected value for sports betting analysis.
Options Profit Calculator
Calculate options profit/loss, break-even points, and risk/reward for popular options strategies. Analyze long calls, spreads, straddles, and more with P&L diagrams.
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Paycheck Calculator
Calculate your take-home pay after federal tax, state tax, FICA, and deductions. Plan your budget with accurate net income estimates.
Payback Period Calculator
Calculate simple and discounted payback periods for investment projects. Analyze break-even time, evaluate cash flow recovery, and compare investment opportunities with detailed payback analysis.
Personal Loan Calculator
Calculate personal loan payments, total interest, and amortization schedules. See the impact of extra payments and compare loan options with APR analysis.
Present Value Calculator
Calculate present value of future cash flows with discount rates. Determine what future amounts are worth today for lump sums and annuities with comprehensive time value of money analysis.
Profit Margin Calculator
Calculate gross margin, net profit margin, operating margin, and markup percentages. Optimize business pricing and profitability with detailed P&L analysis.
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Rebalancing Simulator Calculator
Simulate portfolio rebalancing to maintain your target asset allocation. See exactly what to buy and sell to rebalance your portfolio and stay on track with your investment strategy.
Refinance Calculator
Calculate mortgage refinance savings and break-even point. Compare current vs new loan terms to determine if refinancing makes financial sense.
Rent Calculator
Calculate affordable rent and compare rent vs buy scenarios. Determine how much to spend on rent or analyze the financial impact of renting versus homeownership.
Rent vs Buy Calculator
Compare renting vs buying a home with comprehensive cost analysis. Calculate equity buildup, tax benefits, opportunity costs, and break-even point to make informed housing decisions.
Retirement Calculator
Plan your retirement savings and income. Calculate how much you need to save, how long your money will last, and what monthly income you can expect in retirement.
RMD Calculator
Calculate Required Minimum Distributions from retirement accounts using the latest IRS tables. Plan your RMDs and avoid costly penalties with accurate projections.
ROI Calculator
Calculate return on investment (ROI) and annualized ROI for your investments. Measure the profitability and efficiency of your investment decisions.
Roth IRA Calculator
Calculate tax-free Roth IRA retirement savings and compare with Traditional IRA. Check income eligibility and maximize your tax-advantaged retirement accounts.
Rule of 72 Calculator
Quickly estimate how long it takes to double your money with the Rule of 72. Compare the Rule of 72 estimate with actual doubling times across different interest rates.
RV Loan Calculator
Calculate RV loan payments with sales tax, registration fees, and trade-in value. Compare cash vs financing options and understand the total cost of RV ownership with detailed payment schedules.
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Sales Tax Calculator
Calculate sales tax and total price with state-specific rates. Find pre-tax price from total or calculate total from pre-tax price. Free sales tax calculator with rates for all 50 states.
Social Security Calculator
Calculate Social Security retirement benefits and estimate monthly payments. Determine optimal claiming age and maximize your lifetime Social Security income.
Stock Margin Calculator
Calculate stock margin requirements, buying power, and margin call prices. Federal Regulation T compliant margin calculator for stock trading.
Student Loan Calculator
Calculate student loan payments and payoff strategies. Compare repayment plans, see impact of extra payments, and plan your path to becoming debt-free.
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Take Home Pay Calculator
Calculate your take home pay after federal tax, state tax, FICA, and deductions. See exactly what hits your bank account with detailed paycheck breakdown.
Tax Calculator
Estimate federal and state income taxes, FICA, and take-home pay. Understand your effective tax rate versus marginal tax rate for better financial planning.
Tax Return Calculator
Estimate your tax refund or amount owed with 2025 tax brackets. Calculate tax liability, credits, and see if you get a refund or owe money.
Traditional IRA Calculator
Calculate Traditional IRA retirement savings with tax deductions and Required Minimum Distributions. Compare Traditional vs Roth IRA to optimize your retirement tax strategy.
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