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Finance & Investment Calculators - Free Financial Planning Tools | Today Calculator
Your Trusted Financial Planning Platform
Whether you're planning for retirement, buying your first home, starting a business, or making investment decisions, our comprehensive suite of financial calculators provides the insights you need. From simple interest calculations to complex investment analysis, we offer professional-grade tools that help you make informed financial decisions with confidence. All calculators are free, accurate, and designed for both personal and professional use.
Calculate future value of investments with compound interest, regular contributions, and time periods.
Calculate Return on Investment to evaluate the efficiency and profitability of investments.
Calculate the power of compound interest on your investments and savings over time.
Calculate the average annual return on your investments over a specified period.
Find the future value of assets based on appreciation rate or calculate appreciation rate.
Calculate how inflation affects purchasing power over time using historical CPI data or custom forecasts.
Calculate dividend income and yield from your stock investments.
Measure risk-adjusted returns to evaluate investment performance per unit of risk.
Calculate Compound Annual Growth Rate for investment performance analysis.
Calculate how much your Certificate of Deposit will earn at maturity including APY and compound interest.
Calculate how much you can save with a Health Savings Account including triple tax advantages, employer contributions, and long-term investment growth.
Calculate bond yields including current yield, yield to maturity, and annual return for bonds and fixed-income investments.
Calculate simple interest on loans and savings — easily compute interest earned or owed with the I = P × r × t formula.
Find out how long it takes to double your money or what interest rate you need using the Rule of 72 and exact logarithmic formulas.
Find out how long it takes to reach your savings goal with monthly contributions and compound interest.
Calculate present value, future value, required rate of return, or years to reach your financial goal with adjustable compounding frequency.
Calculate how much life insurance coverage you need based on income replacement, debt coverage, education costs, and final expenses.
See how regular fixed-amount investing builds wealth and reduces market timing risk compared to lump sum investing.
Compare municipal bond yields vs taxable bonds by calculating the tax-equivalent yield for any tax bracket.
Calculate the current value of I Bonds, EE Bonds, and E Bonds with future value projections.
Calculate Net Present Value and IRR for investment analysis with dynamic cash flow entries and payback period.
Calculate Annual Percentage Yield for savings accounts, CDs, and investments. Compare compounding frequencies and see how your money grows over time.
Calculate how much you can save in taxes by harvesting investment losses. Offset capital gains and carry forward unused losses.
Compare paying off student loans vs investing your extra money. See which strategy builds more wealth considering interest rates, investment returns, and tax deductions.
See how much delaying your investments costs you in dollars. Compare investing now vs waiting 1, 2, 5, or 10 years with compound growth projections.
Calculate total return on investment and annualized CAGR for lump-sum or periodic investments. Compare investment performance.
Calculate how a stock split affects your shares, price, and portfolio value. Forward and reverse split support.
Calculate Treasury Bill yield, interest earned, and effective annual yield. Compare different T-Bill terms.
Calculate your average stock price and total invested after multiple purchases. See profit/loss and buy vs wait comparison.
Calculate how to rebalance your portfolio to target allocation. See buy/sell recommendations for each asset class.
Find your ideal asset allocation based on age, risk tolerance, and investment goals. Age-based rules and What-If mode.
Calculate your average stock cost basis across multiple purchases. Track total shares, cost basis, and profit/loss.
Compare 15-year and 30-year mortgages side by side. See monthly payments, total interest, and which saves you more.
Calculate HELOC payments for draw period and repayment. Estimate monthly costs for your home equity line of credit.
Compare fixed-rate vs adjustable-rate mortgages. Simulate ARM rate adjustments and see which loan saves you money.
Compare term life vs whole life insurance and see whether investing the difference makes term a better deal.
Calculate the internal rate of return for irregular cash flows and dates, just like Excel XIRR.
Calculate how long it takes to recoup an investment with simple, uneven, and discounted payback period methods.
Calculate the internal rate of return for regular periodic cash flows. Compare investments and projects with our free IRR calculator.
How much do investment fees cost you? Calculate the impact of expense ratios on long-term investment growth.
Estimate how much your Employee Stock Purchase Plan shares will be worth, your purchase discount, and potential profit with or without a lookback provision.
Compare a 0.25% robo-advisor against DIY index fund investing and see exactly how much fees cost you over time.
Find how long it takes to triple your money at any interest rate with the Rule of 115 and exact tripling math.
Calculate monthly mortgage payments, total interest, and amortization schedules.
Calculate loan payments for personal loans, auto loans, and other financing options.
Calculate car loan payments including principal, interest, taxes, and fees.
Understand the difference between APR and APY. Compare nominal rates with effective annual yields.
Determine if refinancing your mortgage will save money and when you'll break even.
See how extra mortgage payments can save interest and reduce loan term.
Calculate whether buying mortgage discount points is worth it for your home loan and when you'll break even.
Generate detailed amortization schedules for loans and mortgages.
Compare multiple debts vs. consolidation loan to find the best option.
Calculate student loan payments and compare repayment options.
Calculate your monthly mortgage payment and see a detailed amortization schedule instantly.
Compare two loans side by side to find the best terms and save money.
Calculate how much car you can afford based on your income and budget.
Calculate your net worth by adding up all assets and subtracting liabilities.
See how inflation erodes your purchasing power over time with historical data.
Calculate your stock investment profit, loss, ROI, and break-even price.
Calculate your DTI ratio to see how much home you can qualify for with lenders.
See how much interest you save by making extra mortgage payments and when you'll pay off your loan.
Compare monthly vs biweekly mortgage payments and see how much interest you save by switching to accelerated biweekly payments.
Compare the total costs of leasing vs buying a car to make the right decision.
Project how dividend reinvestment grows your portfolio and future income stream.
Calculate profit/loss, ROI, and tax implications for cryptocurrency trades.
Compare current vs refinanced student loan payments and find your break-even point.
Calculate your debt-to-income ratio — the key metric lenders use to determine mortgage approval and how much house you can afford.
Generate a complete amortization schedule for any loan. See each payment broken down into principal vs interest with running balance.
Estimate your monthly car lease payment including depreciation fee, finance fee, and sales tax. Compare lease options easily.
Compare paying off your mortgage early vs investing the extra money. See which strategy builds more wealth over time.
How much house can you afford? Calculate your maximum home price using the 28/36 rule with income, debt, and down payment.
Compare total costs of leasing vs buying a car. Analyze monthly payments, total cost of ownership, and find the smarter financial choice.
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Retirement & Savings
Compare Roth IRA vs Traditional IRA side by side. See which account type gives you more retirement income after taxes.
Estimate the exact amount needed to pay off your mortgage today, including daily per-diem interest and any prepayment penalty.
See how much cash you can pull from your home equity, your new monthly payment, and whether cash-out refinancing beats a HELOC.
Compare the true 5-year cost of buying new vs used: depreciation, interest, insurance, and maintenance.
Calculate your full monthly mortgage payment including principal, interest, taxes, insurance, and PMI.
Estimate your monthly escrow payment for property taxes and homeowners insurance, with escrow analysis and shortage tracking.
Calculate your balloon payment, monthly payments, and total interest for any balloon loan term and amortization period.
Calculate how much you need to save for retirement and plan your financial future.
Calculate 401(k) contributions, employer matching, and retirement savings growth.
Calculate Traditional and Roth IRA contributions and retirement growth.
Calculate monthly payments, total interest, and total cost for any installment loan. Includes amortization schedule and extra payment analysis.
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Calculate your Financial Independence Retire Early number and timeline.
Calculate savings growth with regular deposits and compound interest.
Calculate how much to save regularly to reach a specific financial goal.
Calculate how much emergency savings you need based on your expenses.
Calculate pension benefits and retirement income from defined benefit plans.
Calculate how much you can safely withdraw from retirement savings using the 4% rule and other strategies.
Calculate how much you need to save each month for your child's college education and 529 plan goals.
Compare Roth IRA and Traditional IRA contributions side by side to see which saves you more on taxes and grows your retirement savings faster.
Estimate your Social Security retirement benefits and compare claiming at ages 62, 67, and 70 to maximize your lifetime benefits.
Compare converting Traditional IRA to Roth IRA and see if the tax savings make it worthwhile for your retirement plan.
Calculate Required Minimum Distributions from your IRA and 401(k) using IRS life expectancy tables and SECURE Act 2.0 rules.
Compare claiming Social Security at different ages and find your break-even point to maximize lifetime benefits.
Find out if you're on track for retirement with projected nest egg and monthly retirement income.
Calculate how much you need to save monthly for college with a 529 plan, factoring in investment growth, inflation, and state tax benefits.
Check your Roth IRA eligibility and calculate your maximum contribution based on MAGI, filing status, and current tax year income limits.
Calculate how much your annuity will pay and project your retirement income from fixed and immediate annuities.
Calculate your Solo 401(k) maximum contributions including employee deferrals, employer profit-sharing, and total limits.
Calculate SEP IRA contribution limits for self-employed individuals and business owners.
Compare Roth 401(k) and Traditional 401(k) contributions side by side to see which saves you more in retirement.
Calculate how to do a backdoor Roth IRA contribution for high earners who exceed Roth IRA income limits and estimate future tax-free growth.
How long until I become a millionaire? Calculate years, months, and total contributions needed to reach $1,000,000.
Calculate how much your Roth IRA will grow by retirement with contribution limits and projected tax-free earnings.
Compare taking a lump sum payout vs monthly pension payments. Find your break-even age to decide.
Compare Roth 401(k) and Traditional IRA contributions side by side to see which gives you more retirement income.
How much monthly income will you have in retirement? Estimate your retirement income with the 4% rule and inflation-adjusted projections.
Maximize your retirement savings with after-tax 401(k) contributions converted to Roth — the mega backdoor Roth IRA strategy.
Compare SEP IRA vs Solo 401(k) contribution limits, tax benefits, and future value. Find the best retirement plan for self-employed individuals.
Calculate how much of your Social Security benefits are taxable based on your combined income and filing status.
Calculate your Medicare Part B and Part D premiums including IRMAA surcharges based on your income and filing status.
Calculate annuity growth from contributions or monthly payout from a lump sum investment.
How much life insurance do you need? Calculate coverage based on income, debts, and family needs.
See how much free money your employer 401(k) match adds to your retirement savings and how it grows over time.
Compare taking a lump sum payout vs monthly annuity payments to decide which option maximizes your lifetime income.
See your monthly payment, interest paid to yourself, and the opportunity cost of borrowing from your 401(k).
Find your Social Security full retirement age by birth year and see how claiming early or late changes your benefit.
Build a certificate of deposit ladder and see each rung's maturity, interest, and effective yield.
Calculate your savings rate and estimate years to financial independence using the 4% rule.
Calculate SIMPLE IRA contribution limits, employer match, and projected growth for small business retirement planning.
How much disability insurance do you need? Calculate income replacement coverage to protect your paycheck if you cannot work.
See how much extra you can contribute to your 401(k), IRA, or SIMPLE IRA after age 50, plus the tax savings and retirement growth it creates.
Find how much you need invested today to stop saving and still reach your retirement number by your target age.
How much does dental insurance cost? Estimate monthly premiums by plan type, age, and location.
How much does a funeral cost? Estimate burial and cremation expenses with itemized costs.
How much does long-term care cost? Estimate nursing home, assisted living, and home care expenses.
How much do hearing aids cost? Estimate hearing aid prices by style and technology level, including fitting and 5-year costs.
How much is my CD early withdrawal penalty? Calculate penalty, net proceeds, and forgone interest for any bank policy.
Business & Commercial
Compare costs of buying a 3D printer versus outsourcing 3D printing services for your business.
Calculate business loan payments and understand borrowing costs for commercial financing.
Calculate break-even point for products, services, and business operations.
Calculate gross, operating, and net profit margins for business profitability analysis.
Track and project business cash flow for financial planning and management.
Calculate working capital to assess business liquidity and operational efficiency.
Discounted Cash Flow calculator for business valuation and investment analysis.
Calculate asset depreciation using straight line, declining balance, sum of years digits, and double declining methods for cars, equipment, and property.
Calculate Earnings Before Interest, Taxes, Depreciation, and Amortization.
Estimate how much money you need to start your business with a comprehensive breakdown of all startup expenses.
Calculate your startup's burn rate and runway to understand how long your cash will last.
Calculate how much it costs to acquire each new customer and evaluate your marketing efficiency.
Calculate your return on ad spend to measure the profitability of your advertising campaigns.
Calculate Cost of Goods Sold, gross profit, and gross margin for your business.
Calculate Etsy listing, transaction, payment processing, and offsite ads fees to see your exact profit per sale.
See exactly how much PayPal charges per transaction and how much you actually receive.
Estimate SBA 7(a) loan monthly payments, total interest, guarantee fees, and total loan cost.
Calculate markup percentage, profit margin, and selling price for your products.
Calculate customer lifetime value (CLV) with simple, margin, and retention models plus LTV:CAC ratio.
Calculate Weighted Average Cost of Capital using equity and debt weights with after-tax cost of debt.
Calculate invoice factoring costs: advance amount, factoring fees, and effective annual cost. Compare factoring vs waiting.
See exactly how much eBay charges in final value fees, per-order fees, and promoted listing fees, plus your net profit on every sale.
Estimate vending machine revenue, profit after product costs and location commission, monthly and annual earnings, and payback period.
How much does Shopify charge? Calculate monthly plan fees and transaction fees for Starter, Basic, Shopify, and Advanced plans.
How much are Amazon FBA fees? Estimate referral, fulfillment, and storage fees to find your true profit per unit.
How much does a food truck cost and make? Estimate startup costs, monthly revenue, expenses, profit, and break-even.
Calculate how long it will take to pay off credit card debt and total interest costs.
Plan debt repayment using the snowball method to pay off debts efficiently.
Calculate the true cost of early 401(k) withdrawals including the 10% penalty, income taxes, and lost future growth potential.
Optimize debt repayment by paying highest interest debts first.
Calculate minimum credit card payments and understand long-term costs.
Calculate finance charges on credit cards and other forms of consumer credit.
Calculate Annual Percentage Rate for loans and credit to compare true costs.
Calculate savings from transferring credit card balances to lower-rate cards.
Calculate credit utilization ratio and its impact on credit scores.
Compare PSLF, IDR, and Standard repayment plans to see how much you'll actually pay and whether forgiveness is realistic for your situation.
Create a monthly budget by tracking income and expenses with dynamic categories, visual breakdown, and savings rate analysis.
Calculate fuel costs for road trips and commutes. Compare vehicle efficiency and estimate annual savings.
Calculate the perfect tip amount and split bills among friends. Supports multiple tip percentages and any group size.
Compare paying off debt vs investing your extra cash. Find out which strategy maximizes your net worth over time.
Calculate the true cost of your debts including total interest, weighted APR, and compare payoff strategies to save money.
Calculate how fast you can pay off multiple debts with extra payments. See total interest saved and your debt-free date.
Estimate your annual auto insurance premium based on your vehicle, driving history, and coverage level.
How much will you pay in foreign transaction fees? Calculate the 1-3% fee on purchases made abroad with your credit card.
How much are your credit card points worth? Calculate the cash value of rewards points across cash back, travel, and gift card redemptions.
How much do overdraft fees cost you? Calculate the annual cost of bank overdraft and NSF fees and learn how to avoid them.
How much does a wire transfer cost? Calculate domestic and international wire fees including bank charges and exchange rate markups.
How much does a cash advance cost? Calculate the cash advance fee, ATM fee, and immediate interest charges.
How much do ATM fees cost you? Calculate out-of-network withdrawal fees and their annual impact on your budget.
How much does a late payment cost? Calculate credit card late fees, penalty APR impact, and the true cost of missing a payment.
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Calculate your income tax, payroll deductions, sales tax, and tax planning scenarios.
Find your federal income tax bracket, marginal rate, and effective tax rate with 2025 tax brackets for Single, Married, and Head of Household filers.
Calculate federal and state income taxes based on current tax brackets.
Calculate payroll taxes including Social Security, Medicare, and unemployment taxes.
Calculate self-employment taxes for freelancers and independent contractors.
Calculate capital gains taxes on investment sales and real estate transactions.
Calculate sales tax rates and total purchase costs including tax.
Calculate annual property taxes based on assessed value and local tax rates.
Estimate your tax refund or amount owed based on withholdings and deductions.
Calculate penalties and interest for late tax payments and underpayments.
Calculate how much Child Tax Credit you qualify for based on income, number of children, and filing status.
Find the right W-4 withholding amount to avoid big tax bills or refunds based on your income and dependents.
Calculate quarterly estimated tax payments for self-employed income, freelancers, and side hustles.
Calculate your tax-deductible mileage expenses using current IRS standard mileage rates for business, medical, moving, and charitable driving.
How much has your car lost in value? Estimate current car worth and depreciation.
Calculate capital gains tax on your home sale including the $250k/$500k Section 121 exclusion.
Estimate inheritance tax based on estate value, your relationship to the deceased, and applicable state and federal exemptions and rates.
Check if you qualify for the Earned Income Tax Credit. Estimate your credit amount based on income, filing status, and qualifying children.
Calculate how much tax you owe as a 1099 independent contractor including self-employment tax, income tax, and quarterly estimated payments.
Calculate how much tax you owe on rental income. Estimate taxable income after mortgage interest, depreciation, repairs, and other deductible expenses.
Find out if your medical expenses are tax deductible. Calculate whether expenses exceed the 7.5% AGI threshold and estimate your tax savings.
Calculate how much mortgage interest you can deduct on your taxes. Compare itemized vs standard deduction to maximize your tax savings.
Find out if you qualify for the home office deduction using both simplified and regular IRS methods for self-employed and remote workers.
Compare your total tax burden between states including income, property, and sales tax to see how much you could save by moving.
Estimate the tax savings from your charitable donations based on your filing status and income.
Compare Health Savings Account vs Flexible Spending Account tax savings, employer match, and investment growth.
Compare itemized deductions against the standard deduction to see which saves you more on taxes.
Estimate federal estate tax using the 2025 $13.99M exemption and the 18%-40% rate schedule. See what your heirs actually receive.
Estimate your Section 199A qualified business income deduction including the W-2 wage limit and SSTB phase-out.
How much does a divorce cost? Estimate total divorce expenses from filing fees and attorney costs to mediation.
How much child support will I pay? Estimate monthly child support using the income shares model — combined parental income, number of children, and parenting time.
How much alimony will I pay or receive? Estimate spousal support using income-based formulas and marriage-duration guidelines.
How much does probate cost? Estimate total probate expenses — attorney fees, court filing fees, executor fees, and more.
Calculate how much house you can afford based on income, debt, and expenses.
Compare the total costs of renting versus buying a home over time.
Calculate FHA mortgage payments including upfront and annual MIP with 3.5% minimum down payment requirements.
Calculate VA loan payments with funding fee — no PMI, zero down payment for eligible veterans and service members.
Calculate capitalization rate for real estate investment property analysis.
Analyze rental property cash flow, ROI, and investment performance.
Estimate closing costs for home purchases including fees and taxes.
Calculate Private Mortgage Insurance costs and when it can be removed.
Calculate home equity and loan-to-value ratio for refinancing decisions.
Calculate how much down payment you need for a house based on price, loan type, and your savings timeline.
Estimate how much you can get from a reverse mortgage on your home including HECM loan limits and costs.
Compare cost of living between cities and see how far your salary goes in different locations.
Calculate how much rent you can afford based on income, expenses, and the 30% rule to find your ideal rental budget.
Calculate rent increase percentages and new rent amounts — see what a rent hike means in dollars per year.
Calculate potential profits and costs for house flipping investments.
Calculate gross and net rental yield plus cash-on-cash return for investment properties.
Calculate how much capital gains tax you can defer with a 1031 like-kind exchange. See tax savings from reinvesting in replacement property.
Calculate return on investment for home renovations. Compare kitchen, bathroom, basement, deck, and other improvements to see which add the most value.
Calculate how much you can borrow with a Home Equity Line of Credit. Estimate monthly payments during draw and repayment periods.
Calculate how much commission you'll pay when selling your home. See the agent split, net proceeds, and compare rates.
Calculate how much home equity you can borrow. Estimate monthly payments for home equity loans and compare with HELOC options.
Estimate homeowners insurance premiums based on your home value, location, and coverage.
Calculate your net proceeds after selling your home, including agent fees, closing costs, and taxes.
Calculate your loan-to-value ratio, combined LTV, equity, and whether PMI is required.
Calculate cash on cash return for rental properties using down payment, closing costs, NOI, and debt service.
Calculate Debt Service Coverage Ratio for rental properties and find the maximum loan amount you qualify for.
How much should you budget for home maintenance? Estimate annual and monthly upkeep costs using the 1% rule based on home value and age.
How much does renters insurance cost? Estimate annual and monthly premiums based on coverage amount, liability limits, and deductible.
How much does umbrella insurance cost? Estimate premiums for extra liability coverage based on net worth, income, and risk factors.
How much are HOA fees? Estimate monthly and annual homeowners association dues based on property type, amenities, and location.
What is the price per square foot? Calculate cost per sq ft for homes and compare property values across different sizes.
How much does a property manager cost? Calculate management fees, leasing fees, and total annual cost of professional management.
Estimate solar panel system cost after the 30% federal tax credit, annual electricity savings, payback period, and 25-year net savings.
Is a home warranty worth it? Compare warranty premiums and service call fees against expected repair costs.
How much does a storage unit cost? Estimate monthly and total storage costs by unit size, climate control, and insurance.
What is a good gross rent multiplier? Calculate GRM from price and rent, or find fair value and required rent from a target GRM.
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Convert annual salary to hourly wage and understand your true hourly earnings.
Convert hourly wage to annual salary with various work schedules.
Calculate take-home pay after taxes, deductions, and contributions.
Calculate gross salary needed to achieve desired net pay after taxes.
Calculate overtime pay including time-and-a-half and double-time rates.
Calculate salary increase impact on annual and monthly income.
Calculate taxes on bonuses and understand net bonus amounts.
Calculate how much money you make per hour including all income sources and time worked.
Calculate how much to charge as a freelancer based on your desired salary, expenses, and billable hours.
Calculate your overtime earnings with time-and-a-half or double-time rates and multiple pay periods.
Calculate your commission earnings based on sales amount, commission rate, tiered structures, and splits.
Split bills and expenses fairly among roommates. Calculate each person's share including utilities, rent, and shared costs.
Add up all your streaming, app, and membership subscriptions to see their true monthly and yearly cost.
Calculate the true cost of driving per mile including gas, maintenance, insurance, depreciation, and more.
Plan your trip budget including transportation, accommodation, food, activities, and miscellaneous costs.
Estimate the total cost of your road trip — fuel, lodging, food, and activities — and split it per person.
Estimate annual childcare expenses including daycare, nanny, after-school programs, and summer camps.
Plan your wedding budget with a breakdown of venue, catering, attire, photography, and more.
Estimate your total moving costs including truck rental, movers, packing supplies, and add-on services for local or long-distance moves.
How much does a pet cost per year? Calculate annual and lifetime costs for dogs and cats including food, vet, grooming, and insurance.
See how much smoking costs per day, year, and over a lifetime — plus what it could be worth if invested.
Estimate your severance package based on salary, years of service, and company policy. Includes COBRA cost analysis.
Calculate how much your stock options are worth after taxes. Compare ISO and NSO tax treatment and net proceeds.
Calculate how much to save each month for your dream vacation. Set your trip cost and timeline to reach your savings goal.
Create a monthly budget using the 50/30/20 rule. Compare your spending against recommended targets.
Find out how much you should spend on groceries each month based on household size and USDA benchmarks.
Compare take-home pay as a W-2 employee vs 1099 contractor, including self-employment tax and the break-even rate.
How much does travel insurance cost? Estimate trip insurance premiums by age, duration, and destination.
How much does pet insurance cost? Estimate monthly premiums by species, age, and coverage level.
How much is car registration? Estimate your annual vehicle registration fee with base fees, weight fees, county surcharges, and plate costs.
How much does LASIK cost? Estimate LASIK eye surgery price per eye, total cost, financing payments, and savings vs contacts.
How much unemployment will I get? Estimate weekly and total benefits with state-specific maximums and duration.
Financial Disclaimer
Important: All financial calculators are for educational and informational purposes only. Results are estimates based on the information provided and should not be considered financial advice. Always consult with qualified financial advisors, accountants, or other professionals before making important financial decisions. Individual circumstances may vary significantly, and actual results may differ from calculator estimates.
Calculate how much each appliance costs to run. Estimate energy consumption and save on your electric bill.
Calculate your take-home pay after federal and state taxes, FICA, and pre-tax deductions. See a full breakdown of every deduction on your paycheck.
Compare annual driving costs of an electric car vs a gas car, including fuel, charging, and maintenance savings.
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