Finance Calculators

Calculate your tithe based on gross vs net income. Compare biblical perspectives, see monthly projections, and track giving potential. Includes tax deduction estimates.

Calculate complete loan amortization schedules with payment-by-payment breakdown showing how much goes to principal vs interest each month. Analyze monthly vs bi-weekly payment strategies (26 half-payments = 13 full payments/year saves significant interest), model recurring extra monthly payments ($100-$500/month scenarios), schedule one-time lump sum prepayments (bonuses/tax refunds applied to specific months), and compare 6 prepayment scenarios from standard payment to +25% accelerated payoff. View detailed amortization schedule with full payment table (payment #, date, payment amount, principal portion, interest portion, remaining balance, cumulative totals), visualize loan balance curve over time showing paydown progression, review yearly summary cards breaking down annual principal/interest/ending balance for first 10 years, analyze first vs last payment comparison highlighting interest front-loading (early payments 80-90% interest vs final payments 95%+ principal), calculate precise interest savings and time saved from prepayments (example: $250k mortgage 6.5% 30yr + $100/month extra = save $41,520 interest + pay off 4.2 years early), track effective APR vs nominal interest rate, project payoff date with current strategy, and model payment evolution showing principal/interest ratio shift. Compare 4 detailed view modes: Calculator (input loan amount/rate/term, select monthly or bi-weekly frequency, configure recurring extra payments or one-time lump sum with target month, instant payment summary card showing monthly/bi-weekly payment amount, total interest, total paid, payoff date, total payments count, prepayment savings alert if applicable), Schedule (full amortization table with 12-360+ monthly payments, toggle first year vs complete schedule, balance curve chart with 0-100% scale showing loan paydown progression, yearly summary grid displaying first 10 years broken down by year with principal paid/interest paid/ending balance), Comparison (6 prepayment scenarios table: Standard Payment baseline, +$100/month, +$250/month, +$500/month, +10% Payment, +25% Payment with columns for monthly payment/total interest/interest saved/time saved/payoff time, interest savings visualization bars showing percentage of max interest for each scenario with "Save $X" labels), Strategies (comprehensive prepayment guide covering extra monthly payments strategy with $100/$250/$500 impact examples, bi-weekly payment mechanics explaining 26 half-payments = 13 full payments advantage, annual lump sum timing recommendations, round-up strategy psychology, prepayment decision framework with good candidates checklist vs alternatives-first warnings, implementation tips for automation/tracking/principal-only specification/annual review, refinancing considerations including break-even calculation, common mistakes like ignoring total interest cost/not specifying principal application/neglecting opportunity cost). Understand front-loaded interest mechanics: Early payments allocate 80-90% to interest due to higher remaining balance, later payments allocate 95%+ to principal as balance shrinks, example $250k 6.5% 30yr: Payment 1 = $230 principal + $1,354 interest vs Payment 360 = $1,580 principal + $9 interest. Analyze bi-weekly payment advantage: 26 bi-weekly payments per year = 13 full monthly equivalents (vs 12 monthly), extra full payment each year reduces principal faster, compound effect over 30 years saves 15-20% total interest + shortens term by 4-6 years, example $250k 6.5% 30yr: Monthly total interest $319,838 vs Bi-weekly total interest $274,192 (save $45,646, pay off in 26.3 years). Model prepayment scenarios impact: Standard payment $250k 6.5% 30yr = $1,580/month, $319,838 total interest. +$100/month scenario = $1,680/month, $278,318 total interest (save $41,520, 4.2 years early). +$250/month scenario = $1,830/month, $243,907 total interest (save $75,931, 7.5 years early). +$500/month scenario = $2,080/month, $197,429 total interest (save $122,409, 11.8 years early). +10% Payment scenario = $1,738/month, $263,517 total interest (save $56,321, 5.6 years early). +25% Payment scenario = $1,975/month, $205,184 total interest (save $114,654, 10.9 years early). Calculate one-time lump sum impact: $10,000 extra payment in Month 12 saves $23,417 interest over remaining term (2.4x multiplier effect), same $10,000 in Month 120 saves $12,856 interest (1.3x multiplier), early prepayments have exponential impact due to compound interest prevention. Review effective APR calculation: Nominal rate = 6.5% annual. Effective APR = (1 + 0.065/12)^12 - 1 = 6.697% accounting for monthly compounding. Higher frequency = higher effective rate impact. Review payment breakdown visualization: Principal percent bar (green gradient, width = principal ÷ total paid × 100%), Interest percent bar (red gradient, width = interest ÷ total paid × 100%), example $250k 6.5% 30yr standard: Principal 43.9% ($250k), Interest 56.1% ($319,838). Analyze payment evolution boxes: First payment card (Month 1 breakdown: Principal $230.16, Interest $1,354.17, total $1,584.33), Last payment card (Month 360 breakdown: Principal $1,575.81, Interest $8.52, total $1,584.33 identical payment but 99.5% principal vs 1.5% in Month 1). Implement prepayment strategies: Extra Monthly Payments ($100-$500/month consistent additions go 100% to principal, automate via online banking "additional principal" field, verify application on next statement), Bi-weekly Payments (set up automatic $792 deduction every 2 weeks = 26 payments/year, results in 13th full payment annually, no lender permission needed for self-managed approach), Annual Lump Sum (apply tax refunds/bonuses/windfalls in early years for maximum impact, $10k in Year 1 saves 2.4x interest vs Year 10 due to compound prevention), Round-Up Strategy (round $1,584 payment → $1,600 for psychological "clean number" benefit + $16/month = $192/year extra principal), 1/12th Method (add 1/12 of monthly payment as extra each month = one free annual payment, $1,584 ÷ 12 = $132/month extra = $1,584 annual bonus principal). Evaluate prepayment decision framework: Good candidates for aggressive prepayment (high interest rate above 5-6%, stable 3-6 month emergency fund, maxing retirement contributions, no high-interest debt like credit cards 18-24%, risk-averse preference for guaranteed interest savings). Consider alternatives first if (low interest rate under 3-4%, limited emergency savings, high-interest debt outstanding, not maximizing tax-advantaged 401k/IRA/HSA, strong investment opportunities with 7-10% expected returns in diversified portfolio). Calculate refinancing break-even: Closing costs $5,000 ÷ monthly savings $200 = 25 months break-even. Refinance if staying 25+ months (2+ years). Consider 1-2% rate drop threshold, 5+ year stay timeline, switching 30yr→15yr term for total interest reduction, improved credit score since origination. Avoid common mistakes: Forgetting to specify "principal only" application (some lenders default extra to advance payments, wasting prepayment benefit), ignoring total interest cost (focusing on monthly payment leads to 30yr vs 15yr mistakes, doubling total interest for lower payment), neglecting opportunity cost (prepaying 3% mortgage while missing 8% 401k match = net loss, balance guaranteed savings vs potential investment returns), not tracking progress (annual amortization statement review provides motivation, seeing $50k equity gain after 5 years reinforces strategy). Apply technology tools: Online calculator modeling (adjust scenarios instantly, compare strategies side-by-side, print schedule for records), banking app automation (set recurring "additional principal" transfers, $100-$500 monthly automatic from checking), lender portal tracking (request updated amortization schedule annually, monitor balance reduction vs original projection, celebrate milestones like 50% LTV reached), spreadsheet modeling (create custom scenarios with variable prepayments by year, model income-driven increases, factor in tax deductions). Authority: Mortgage Bankers Association amortization standards, Federal Reserve consumer lending guidelines, CFPB mortgage disclosure rules, IRS Publication 936 (Home Mortgage Interest Deduction), Freddie Mac prepayment policies, industry-standard amortization formula M=P[r(1+r)^n]/[(1+r)^n-1] validated.

Calculate your 401(k) withdrawal strategy with tax implications, RMD requirements, and retirement income projections. Optimize withdrawals to minimize taxes and ensure your retirement savings last throughout your golden years.

Calculate CAGR (Compound Annual Growth Rate) and Money-Weighted Return for investment portfolios. Supports additional contributions (monthly/quarterly/annual) and flexible time periods. Compare your returns against benchmarks like S&P 500, bonds, and real estate. Get detailed performance interpretation and understand the difference between annualized vs. average returns.

Calculate Bitcoin mining profitability with hash rate analysis, electricity cost optimization, hardware ROI projections, and pool fee calculations. Estimate daily/monthly BTC earnings, break-even timeline, and total profit after electricity costs for ASIC miners in 2025 market conditions.

Calculate capitalization rate (cap rate) for real estate investments instantly. Enter property price, annual NOI, and operating expenses to determine investment profitability. Industry-standard 6-10% benchmarks for different property types. Essential tool for comparing commercial properties, REITs, and rental investments in 2025.

Free COBRA calculator for 18-month coverage costs. Compare COBRA (102% premium) vs ACA Marketplace with subsidies. Calculate total costs for 6/12/18 months, 60-day election deadline, and find the cheapest health insurance after job loss.

Calculate compound interest with our free investment calculator. See how your money grows over time with detailed charts. No signup required - get instant results for 2025!

Calculate your debt-to-asset ratio and compare against industry benchmarks. Track assets, debts, and equity with detailed financial analysis and risk assessment for businesses and individuals.

Calculate Front-End and Back-End Debt-to-Income (DTI) ratios to assess mortgage qualification for Conventional (28%/36%), FHA (31%/43%), VA (41%), and USDA (29%/41%) loans. Input all income sources (gross salary, bonuses, rental, other) and monthly debt obligations (housing, car, credit cards, student loans). Get instant loan approval analysis, DTI improvement strategies, and compensating factors for higher ratios. Understand what lenders see in your financial profile.

Calculate Employee Stock Purchase Plan (ESPP) returns with tax analysis, comparing qualifying vs disqualifying dispositions. Includes lookback provisions, 4 tax strategies, and annualized return projections for optimal decision-making.

Compare all 4 federal student loan income-driven repayment plans (IBR, PAYE, REPAYE, ICR). Calculate monthly payments based on your income, family size, and state poverty guidelines. See potential savings and forgiveness amounts for each plan.

Assess if you are living paycheck to paycheck and get a personalized financial stability score. Calculate savings gap, emergency fund months, debt-to-income ratio, and essential vs discretionary spending balance. Receive actionable steps to break the cycle with 2025 budgeting strategies, income optimization, and debt payoff plans.

Calculate whether buying mortgage points is worth it. Compare upfront cost vs monthly savings, break-even timeline, and total interest savings over loan term. Analyze 1-3 points scenarios for 15-year and 30-year mortgages at current rates.

Calculate Net Present Value (NPV) for investment decisions with multi-year cash flow projections, discount rate analysis, and IRR comparison. Evaluate capital projects, business acquisitions, and real estate investments using discounted cash flow methodology to determine if future returns exceed initial investment in 2025.

Calculate total net worth by tracking all assets and liabilities. Comprehensive wealth analysis with age-based benchmarks, financial health score, asset allocation breakdown, and personalized wealth-building strategies.

Calculate monthly and annual passive income from multiple streams including rental properties, dividend stocks, bonds, REITs, peer-to-peer lending, royalties, and online businesses. Input income sources, amounts, frequencies, and tax rates to see total passive income, tax-adjusted net income, financial independence ratio (passive income ÷ expenses), and years to FI goal. Supports 12+ income streams, compound growth projections (1-30 years), 4% safe withdrawal rule analysis, and portfolio diversification recommendations. Essential for FIRE planning, retirement income modeling, and wealth building strategies.

Free paycheck calculator with 2025 federal tax brackets, all 50 state taxes, FICA rates. Calculate take-home pay, net salary after taxes, 401k deductions. Compare states with no income tax. Updated for 2025 Social Security wage base ($176,100).

Calculate pension benefit estimates with years of service, final average salary, multiplier percentages, and COLA adjustments. Estimate monthly pension payments, annual income, replacement ratio, and total lifetime benefits for defined benefit plans including government, corporate, and union pensions in 2025.

Compare pension lump sum vs annuity payments with lifetime income analysis, breakeven age calculation, and survivor benefit evaluation. Calculate total payout, investment return requirements, inflation impact, and tax implications to determine optimal pension election for retirement security in 2025.

Calculate present value of annuity payments (ordinary annuity or annuity due). Determine lump sum equivalent of future payment streams for retirement planning, structured settlements, lottery winnings, or pension buyouts using appropriate discount rates.

Calculate mortgage refinance savings with break-even analysis, comparing current vs new loans. Includes cash-out scenarios, 8-year timeline projections, 7 rate scenarios, and lifetime interest savings to determine if refinancing makes financial sense.

Plan your retirement with our free calculator. Calculate how much you need to retire comfortably. Get personalized projections for 2025!

Assess retirement readiness with age-based savings benchmarks from Fidelity, Vanguard, and industry experts. Input current age (25-70), annual salary ($20k-$500k), and current retirement savings ($0-$10M) to see recommended savings targets (1x salary by 30, 3x by 40, 6x by 50, 10x by 67), gap analysis, monthly contribution recommendations, and projected retirement income replacement ratio (70-100%). Includes catch-up contribution guidance (50+), Social Security integration, 401(k)/IRA max limits (2025: $23,000+$7,500 catch-up), and 4% safe withdrawal rule analysis. Essential for retirement planning, financial health checkups, and course correction.

Calculate your Roth IRA conversion ladder strategy to access retirement funds before age 59½ penalty-free. Plan annual conversions from Traditional IRA/401k to Roth IRA with the 5-year waiting period. Essential tool for early retirement and FIRE planning with 2025 tax rates.

Calculate how long it takes to double your money with compound interest using the Rule of 72. Compare with exact formulas and analyze accuracy.

Calculate monthly savings needed to reach your financial goals. Includes timeline planning, interest rate impact, and strategies to accelerate your savings progress with detailed goal-tracking analysis.

Calculate SBA 7(a) loan fees, monthly payments, and total costs. 2025 guarantee fee structure: 0% up to $150K, 3% for $150K-$700K, 3.5% for $700K-$1M, 3.75% over $1M. Compare 7(a) vs 504 vs Express programs, estimate closing costs, and see complete fee breakdown with our free SBA loan calculator.

Calculate simple interest on loans, deposits, and investments using the formula I = P × R × T. Input principal amount ($100-$1M), annual interest rate (0.01-30%), and time period (days/months/years) to instantly see total interest earned/paid, final amount, monthly/annual breakdowns, and effective rate comparisons. Supports daily/monthly/annual compounding comparison, leap year adjustments, and exact day count methods (30/360 vs Actual/365). Essential for savings accounts, certificates of deposit (CDs), short-term loans, promissory notes, and interest-only loans. Compare simple vs compound interest growth over 1-30 years.

Calculate maximum Solo 401(k) contributions for self-employed individuals with 2025 limits ($23,500 employee + $7,500 catch-up + 25% employer). Compares sole proprietor, S-Corp, LLC structures, includes spouse contributions, tax savings analysis, and SEP IRA/SIMPLE IRA comparison.

Check your student loan forgiveness eligibility for 2025. Free calculator with updated Biden administration rules. Get instant results!

Compare current vs. refinanced student loan payments with break-even analysis. Calculate monthly savings, total interest reduction, and determine if refinancing makes sense based on 2025 rates (3.99-8.99% APR).

Identify wasted money on forgotten and unused subscriptions. Track all recurring charges, analyze usage frequency, and calculate potential savings. The average American wastes $32.84/month ($394/year) on subscriptions they don't use. Features: subscription waste analyzer, cost-per-use calculator, category benchmarks (2025 data), and actionable savings recommendations. Includes 2025 subscription statistics, top 10 most wasted subscriptions list, and 7 strategies to eliminate subscription waste.

Calculate your tithe (10% giving) based on gross or net income for Christian stewardship and charitable giving planning. Determine monthly, bi-weekly, and annual tithe amounts from salary, self-employment income, bonuses, and investment returns. Essential tool for faith-based budgeting and tax-deductible charitable donations. Compare pre-tax vs post-tax tithing methods. Includes 2025 tax deduction benefits, giving strategies for irregular income, and faith tradition guidelines (Protestant, Catholic, LDS tithing practices).

Calculate Washington DC net pay from gross salary with accurate 2025 tax withholding. Determine take-home pay after federal taxes, DC state income tax (4-10.75% brackets), FICA, and pre-tax deductions. Compare biweekly, semi-monthly, and monthly paycheck amounts.

Calculate working capital and liquidity ratios - Current Assets minus Current Liabilities with Current Ratio, Quick Ratio, Cash Ratio analysis. Includes working capital turnover, days working capital, industry benchmarks comparison, and cash conversion cycle optimization for business financial health assessment.

Calculate minimum working capital needs for business operations based on annual revenue ($50k-$50M), operating cycle (30-180 days), and industry benchmarks. Input revenue, cost of goods sold (COGS 30-80%), accounts receivable days (15-90), inventory turnover (2-20x), and accounts payable terms (15-60 days) to see required working capital, cash conversion cycle, optimal current ratio (1.5-3.0), and funding gap analysis. Model scenarios: seasonal businesses (retail 25-40% working capital), service companies (5-15%), manufacturing (15-25%), and growth-stage startups. Essential for business planning, loan applications, cash flow forecasting, and preventing cash crunches.

Calculate annuity payout amounts based on principal, interest rate, and payout period. Compare immediate vs deferred annuities, fixed vs variable options, and lifetime vs period-certain payouts for retirement income planning.

Calculate when you reach Coast FIRE - the point where you can stop saving for retirement and let compound interest do the work. Determine your Coast FI number based on target retirement age, current savings, and expected returns. Essential tool for semi-retirement planning, downshifting careers, or reducing work hours while maintaining retirement security. Compare Coast FIRE vs Traditional FIRE timelines. Includes 2025 calculations for ages 30-50 with various retirement targets from age 55-70.

Calculate how much to save monthly for college education with 529 plan projections and tuition inflation (3-5% annually). Determine savings needed based on college costs ($28k public, $60k private in 2025), student age, and expected investment returns to meet future education expenses.

Calculate debt payoff using the avalanche method targeting highest interest rates first. Compare total interest savings vs minimum payments, estimate payoff timeline, and optimize extra payment allocation across credit cards, student loans, auto loans, and personal debts. Includes 2025 average interest rates (18-29% credit cards, 5-15% personal loans), monthly payment schedules, and debt-free timeline projections.

Calculate savings from consolidating multiple debts into one loan. Compare current payments vs. consolidation loan terms. See monthly payment reduction, total interest savings, and payoff timeline changes. Evaluate personal loans, balance transfers, HELOC, and debt management options for credit cards, auto loans, and personal debts.

Calculate debt payoff using the snowball method paying smallest balance first. Build momentum with quick wins, compare payoff timeline vs avalanche method, and track psychological progress toward debt-free goals. Includes Dave Ramsey-style payment plans, motivation tracking, account closure timeline, and total interest comparison vs minimum payments for 2025.

Calculate your path to Financial Independence Retire Early (FIRE). Determine your FI number using the 4% safe withdrawal rule, years until retirement, required monthly savings, and current progress percentage. Compare Lean FIRE, Standard FIRE, and Fat FIRE targets based on your annual expenses and desired retirement lifestyle with 2025 tax and inflation considerations.

Calculate your path to financial independence and early retirement (FIRE). Determine your FI number, years to retirement, and required savings rate based on income, expenses, and current assets. Track progress with Coast FI, Lean FIRE, and Fat FIRE milestones. Includes 4% safe withdrawal rate analysis and compound growth projections through 2025-2050.

Calculate total investment returns including capital gains, dividends, and compound growth. Analyze annualized returns (CAGR), time-weighted returns, and dollar-weighted returns for stocks, bonds, mutual funds, and ETFs. Compare against S&P 500 benchmarks and account for fees, taxes, and inflation impact on real returns.

Create a debt-free plan using the Avalanche or Snowball method. Calculate payoff timeline, total interest, and see how extra payments accelerate your debt freedom. Compare strategies and track progress toward becoming debt-free in 2025.