Financial Calculators
Money math you can plan around. Price a mortgage, compare loans, project retirement savings, estimate take-home pay in any state, weigh renting against buying, depreciate an asset or check a margin — with schedules, charts and the formulas behind every number.
167 calculators
Most used
- 401(k) CalculatorProject your 401(k) at retirement from your pay, contribution rate and employer match, with 2026 IRS limits and catch-up contributions applied.
- Amortization CalculatorBuild a dated month-by-month amortization schedule and test extra monthly, yearly or one-time payments against the original plan.
- Compound Interest CalculatorProject how an initial deposit and regular contributions grow with compound interest, with any compounding frequency, a yearly table and a chart.
- Currency ConverterConvert money between about 30 major currencies using the latest European Central Bank reference rates, loaded live in your browser.
- Debt Payoff CalculatorCompare the debt snowball and debt avalanche methods across all your debts, with payoff order, debt-free date and total interest for each.
- Federal Income Tax CalculatorEstimate your 2026 federal income tax with the IRS's new brackets and standard deductions, and see your taxable income, tax by bracket, marginal and effective rate.
Loans & mortgages 20
- Advanced Loan CalculatorPrice a loan with weekly to annual payments, a separate compounding frequency, payments in advance and an optional balloon at the end.
- Amortization CalculatorBuild a dated month-by-month amortization schedule and test extra monthly, yearly or one-time payments against the original plan.
- Auto Loan with Trade-In & TaxTurn a full car deal — price, rebates, trade-in, payoff owed, sales tax and fees — into the amount financed and your monthly payment.
- Balance Transfer CalculatorCompare keeping a credit card balance with moving it to an intro-APR card, including the transfer fee, the intro period and the rate that follows.
- Car Loan CalculatorEstimate your monthly car payment, compare loan terms from 24 to 84 months, and check whether you would owe more than the car is worth.
- Credit Card Payoff CalculatorFind how long a fixed payment takes to clear a credit card balance, or what to pay to be debt-free by a deadline, versus paying only the minimum.
- EMI CalculatorCalculate the equated monthly installment (EMI) on a home, car or personal loan in rupees, with total interest and a month-wise schedule.
- Equal Principal AmortizationBuild a schedule where each payment repays the same slice of principal plus interest on the balance, so payments start high and fall every period.
- Car Affordability CalculatorWork backward from your income or monthly budget to the most car you can afford once tax, fees, your down payment and trade-in are counted.
- House Affordability CalculatorFind the most house your income supports under the 28/36 debt-to-income rule, including property tax, insurance, PMI and HOA dues.
- Loan Affordability CalculatorFind the largest loan your budget supports, either from your income and debt-to-income limit or from a monthly payment you choose.
- Interest-Only Mortgage CalculatorSee your interest-only mortgage payment, the jump when principal payments begin, and the extra interest compared with a standard loan.
- Layaway Plan CalculatorTurn a layaway purchase into a dated payment schedule with the down payment, service fee, sales tax and the day you can take the item home.
- Loan CalculatorSolve a fixed-rate loan for the monthly payment, the amount you can borrow, the time to repay or the interest rate, with a full schedule.
- Loan Payment TableGenerate a grid of monthly payments and total interest for any loan amount across a range of interest rates and loan terms.
- Loan Repayment CalculatorEnter your balance, rate and the payment you can make to find how many months it takes to repay the loan and your debt-free date.
- Mortgage CalculatorEstimate your monthly house payment with taxes, insurance, PMI and HOA, and see how every payment splits between principal and interest.
- Mortgage Payoff CalculatorFind your remaining mortgage balance and see how extra, bi-weekly or lump-sum payments move your payoff date and cut the interest you still owe.
- Refinance CalculatorCompare your current mortgage with a refinance offer and find how many months it takes for the savings to repay the closing costs.
- Simple Loan CalculatorGet the payment on a simple personal or family loan and see how a flat add-on rate compares with interest charged on the remaining balance.
Interest & APR 13
- APR CalculatorFind a loan's true annual percentage rate once points and lender fees are counted, with the finance charge, amount financed and total of payments.
- Basic APR CalculatorConvert a short-term loan fee or a rate per period into an annual percentage rate, with the cost per $100 and the effective annual rate.
- Compound Interest CalculatorProject how an initial deposit and regular contributions grow with compound interest, with any compounding frequency, a yearly table and a chart.
- Effective Annual Rate (APY)Convert a nominal rate into the effective annual rate (APY) for any compounding frequency and see how much compounding really adds.
- Effective Interest Rate CalculatorFind the effective interest rate over any number of days, months or years from a nominal rate and its compounding frequency.
- Equivalent Interest Rate CalculatorRestate a nominal interest rate under a different compounding frequency, such as semi-annual to monthly, so both rates grow money identically.
- Interest Rate CalculatorWork out the interest rate a loan is really charging from the amount borrowed, the payment and the number of payments.
- Nominal Interest Rate CalculatorConvert an effective annual rate or APY back into the nominal annual rate and the rate per period for any compounding frequency.
- Periodic Compound Interest CalculatorCompound a rate quoted per period — daily, weekly, monthly or quarterly — and solve for future value, principal, the periodic rate or the number of periods.
- Periodic Interest Rate CalculatorFind the interest rate charged or earned each payment period from an annual rate, even when payments and compounding follow different schedules.
- Rule of 72 CalculatorEstimate how long money takes to double, triple or quadruple at a given return, or the rate needed, and see how close the rule of 72 comes to the exact answer.
- Simple Interest Plus PrincipalFind the total amount with simple interest using A = P(1 + rt), or solve for the principal, rate or time, and compare with yearly compounding.
- Simple Interest CalculatorSolve I = Prt for the interest, principal, rate or time, with time in years, months or days and a choice of 365- or 360-day years.
Saving & investing 15
- CAGR CalculatorFind the steady yearly growth rate that links a starting value to an ending value, or solve for the value or time at a given rate.
- CD CalculatorFind the maturity value and interest of a certificate of deposit for any term, using the APY or the interest rate your bank quotes.
- College Savings CalculatorProject what college will cost when your child enrolls, how far your 529 savings will go, and the monthly contribution needed to close any gap.
- Deferred Fixed Annuity CalculatorEstimate the growth of a fixed deferred annuity during the deferral years and the level income it can pay once payouts start.
- Inflation CalculatorConvert dollars between any two years from 1913 to 2025 with official US CPI data, or project how prices grow at a rate you choose.
- IRR CalculatorFind the rate of return that makes a series of cash flows break even, plus MIRR and an NPV profile for context.
- Investment Account CalculatorProject an investment account with growing contributions and see how much expense ratios and advisory fees cost you over the long run.
- Investment CalculatorProject how a lump sum and regular contributions grow, or solve for the contribution, return or time needed to hit a target balance.
- Investment Inflation CalculatorSee what an investment will really be worth after inflation — and taxes, if you like — and the real rate of return behind it.
- NPV CalculatorDecide whether an investment clears your required return by discounting its future cash flows and subtracting the upfront cost.
- Retirement Savings CalculatorProject your nest egg at retirement and the inflation-adjusted yearly income it could support, in both future and today's dollars.
- ROI CalculatorMeasure the total and annualized return on any investment, counting extra costs and income such as dividends or rent.
- Salary Inflation CalculatorFind out whether your raises have beaten inflation, and what salary you would need to keep the same buying power in the future.
- Savings CalculatorSee how an opening deposit plus regular deposits grows in a savings account, and how much of the final balance comes from interest.
- Savings Goal CalculatorWork backward from a target amount to the deposit you need each period, or find out how long your current savings habit will take to get there.
Retirement 10
- 401(k) CalculatorProject your 401(k) at retirement from your pay, contribution rate and employer match, with 2026 IRS limits and catch-up contributions applied.
- Annuity Payout CalculatorTurn a lump sum into a payment schedule. See the income it pays over a set term, or how long a chosen payment lasts, with optional yearly raises.
- FIRE CalculatorFind your financial independence number, how many years of investing it takes to get there, and your Coast FI target.
- Pension Lump Sum vs. MonthlyDecide between a pension lump sum and monthly payments by comparing present value, the pension's implied return and how long the lump sum would last.
- RMD CalculatorCalculate this year's required minimum distribution from your IRA or 401(k), find the age your RMDs start and project future withdrawals.
- Retirement Withdrawal CalculatorFind how long your savings last with withdrawals that rise with inflation, or the most you can take out each year so the money lasts a set time.
- Roth IRA CalculatorFind your 2026 Roth IRA contribution limit after the income phase-out and project how much tax-free money the account could hold at retirement.
- Roth vs. TraditionalCompare Roth and traditional retirement contributions after tax, find the break-even retirement tax rate and see which leaves you with more.
- Social Security CalculatorEstimate your Social Security retirement benefit from your earnings with the 2026 formula and compare claiming ages from 62 to 70.
- Traditional IRA CalculatorWork out how much of a 2026 traditional IRA contribution you can deduct, what it saves in tax now and what the account is worth after tax at retirement.
Real estate & housing 12
- ARM CalculatorSee your ARM payment during the fixed period, after each reset and in the worst case allowed by the caps, compared with a fixed-rate mortgage.
- Bi-Weekly Mortgage CalculatorSee how paying half your mortgage payment every two weeks cuts total interest and shortens the loan, compared side by side with monthly payments.
- Cap Rate CalculatorCalculate a property's cap rate from its net operating income, or work backward from a market cap rate to estimate what the property is worth.
- Closing Costs CalculatorEstimate your closing costs line by line in the same sections as a Loan Estimate, and see the total cash you need to bring to closing.
- Down Payment CalculatorFind how much you need for a down payment and closing costs, how long it takes to save while prices rise, and how each down payment level changes the loan.
- FHA Loan CalculatorEstimate your FHA mortgage payment including upfront and annual mortgage insurance, how long MIP lasts and what it costs over the loan.
- Home Equity & HELOC CalculatorFind how much equity you can borrow under a combined loan-to-value limit and estimate HELOC or home equity loan payments.
- Mortgage Points CalculatorDecide whether paying for discount points is worth it by finding the break-even month and your net gain for how long you expect to keep the loan.
- How Much Rent Can I Afford?Find a comfortable monthly rent from your income and debts using the 30% rule, the landlord 40× rule and a debt-to-income limit.
- Rent vs. Buy CalculatorCompare the net worth of buying a home with renting and investing the difference, and find the year buying pulls ahead.
- Rental Property CalculatorAnalyze a rental's monthly cash flow after the mortgage, with NOI, cap rate, cash-on-cash return, DSCR and IRR over your holding period.
- VA Loan CalculatorEstimate a VA loan payment with the current funding fee for your down payment and prior use, including exemptions, refinances and escrow.
Debt & credit 6
- Credit Card Interest CalculatorWork out a billing cycle's credit card interest the way issuers do, with the daily periodic rate and your average daily balance.
- Debt Consolidation CalculatorFind out whether a consolidation loan saves money by comparing your current debts with one new loan, origination fee and real APR included.
- Debt Payoff CalculatorCompare the debt snowball and debt avalanche methods across all your debts, with payoff order, debt-free date and total interest for each.
- DTI Ratio CalculatorCalculate your front-end and back-end debt-to-income ratios and see how they compare with common mortgage and loan limits.
- Personal Loan CalculatorFind your personal loan payment, the true APR once an origination fee is included, and the cash you actually receive, with terms compared.
- Student Loan CalculatorCompare federal student loan payments and total interest under the Standard, Graduated, Extended and new Tiered Standard repayment plans.
Auto 5
- Auto Loan Refinance CalculatorCompare your current car loan with a refinance offer to see the new payment, the total you would save after fees, and how quickly the fees pay for themselves.
- Car Depreciation CalculatorProject a car's value year by year from its price and depreciation rates, or work out the yearly rate your own car has lost value at so far.
- Car Lease CalculatorWork out a monthly lease payment from the price, residual value and money factor, with sales tax, cash due at signing and the full cost of the lease.
- EV Charging Cost CalculatorEstimate the cost of charging an electric car per mile, per month and per year with your own mix of home and public charging, and compare it with buying gas.
- Lease vs. Buy CalculatorCompare the real cost of leasing and financing the same car over the lease term, counting the equity you keep when you buy and the return on cash you spend.
Stocks & bonds 7
- Bond Price CalculatorPrice a bond on any settlement date from its coupon and market yield, with clean and dirty price, accrued interest, duration, convexity and a price–yield table.
- Bond Yield CalculatorFind a bond's yield to maturity from its price, coupon rate and years to maturity, along with current yield, yield to call and the discounted cash flows.
- Capital Gains Tax CalculatorEstimate the 2026 federal tax on a capital gain, with the 0%, 15% and 20% long-term brackets, short-term rates, the 3.8% net investment income tax and losses.
- Crypto Profit CalculatorWork out the profit or loss on a crypto trade after exchange and network fees, plus the break-even sell price and the price you need for a target return.
- Dividend CalculatorFind the dividend yield and project how reinvested dividends, dividend growth and regular contributions build your portfolio and income over time.
- Average Cost CalculatorCombine several stock or crypto purchases into one average cost per share, and work out how many shares to buy at a new price to reach a target average.
- Stock Profit CalculatorWork out the profit or loss on a stock sale after fees and dividends, plus the percent and annualized return, break-even price and tax holding period.
Time value of money 16
- Annuity Payment TableBuild a table of the level payment needed to repay $1 — or any amount — over each combination of rate and number of periods.
- Compound Interest Factor TableBuild an engineering-economics style table of all six compound interest factors, plus arithmetic gradient factors, for one interest rate.
- Future Value CalculatorCompute the future value of a starting amount plus regular payments over any number of periods, with independent compounding and payment frequencies.
- Future Value Formula ExplainedThe future value formula broken down symbol by symbol, derived from first principles and extended to payments — with a mini solver that shows each step.
- Future Value of $1 TableBuild a custom table of future value interest factors, (1 + i)ⁿ, for the rates and periods you choose.
- Future Value of a Lump Sum CalculatorSee what one deposit grows to over time, and how much the compounding frequency really changes the result.
- Future Value of Annuity CalculatorFind what a series of regular payments grows to, as an ordinary annuity or an annuity due, with optional payment growth.
- Future Value of Annuity TableBuild a table of future value annuity factors showing what $1 deposited every period grows to, for ordinary annuities or annuities due.
- Future Value of Cash Flows CalculatorCompound a series of uneven deposits or withdrawals forward to find what they are worth at the end of the last period.
- Present Value CalculatorDiscount a future lump sum and a series of level payments back to today's value, with a table showing what each amount is worth now.
- Present Value Formula ExplainedThe present value formula explained from the ground up — discounting, the discount factor, annuity and perpetuity versions — with a mini solver that shows its work.
- Present Value of $1 TableBuild a custom table of discount factors, 1 ÷ (1 + i)ⁿ, showing what $1 due in the future is worth today.
- Present Value of a Lump SumDiscount one future payment back to today and see how sensitive its value is to the rate and the waiting time.
- Present Value of Annuity CalculatorValue a stream of regular payments in today's dollars — ordinary or due, level or growing, for a fixed term or forever.
- Present Value of Annuity TableBuild a table of present value annuity factors showing what $1 received every period is worth today, for ordinary annuities or annuities due.
- Present Value of Cash Flows CalculatorValue a stream of uneven future payments in today's dollars, period by period, with an equivalent level payment for comparison.
Depreciation 10
- Activity Method Depreciation CalculatorDepreciate a vehicle or machine by how much it is used — miles, machine hours or cycles — period by period.
- Declining Balance Depreciation CalculatorBuild a declining-balance schedule at any factor or rate, with an optional switch to straight-line when that gives a larger deduction.
- Depreciation CalculatorCreate a full depreciation schedule with your choice of method, partial first year included, and compare how each method spreads the cost.
- Double Declining Balance CalculatorBuild a double declining balance schedule at twice the straight-line rate and compare it, year by year, with straight-line depreciation.
- Fixed Declining Balance CalculatorCompute the fixed rate that takes an asset from cost to salvage value, with first-year months, matching the spreadsheet DB function.
- Rental Property Depreciation CalculatorEstimate yearly tax depreciation on a rental or commercial building under MACRS straight-line with the mid-month convention.
- Straight Line Depreciation CalculatorFind the equal yearly and monthly depreciation for an asset and see its book value fall year by year, partial first year included.
- Sum of the Years' Digits CalculatorDepreciate an asset with the sum-of-the-years'-digits method, with every year's fraction shown and partial first years handled correctly.
- Units of Production Depreciation CalculatorDepreciate equipment according to how much it actually produces each year, using a cost per unit of output.
- Variable Declining Balance CalculatorBuild a declining-balance schedule that switches to straight-line automatically, and total the depreciation between any two periods.
Financial ratios 5
- Debt Ratios CalculatorMeasure how much of a company is financed with borrowed money and whether its earnings comfortably cover the interest and payments.
- Efficiency Ratios CalculatorFind out how quickly a business turns inventory into sales, sales into cash and how long it takes to pay suppliers — the cash conversion cycle.
- Liquidity Ratios CalculatorCheck whether a business can pay the bills due in the next twelve months from cash, receivables and other short-term assets.
- Profitability Ratios CalculatorTurn a few income-statement and balance-sheet figures into margins and returns that show how well a business converts sales and capital into profit.
- Stock Valuation Ratios CalculatorCompare a stock's price with its earnings, growth, dividends, book value, sales and cash flow using the valuation ratios analysts quote most.
Pay, salary & taxes 13
- Bonus Tax CalculatorEstimate how much of a bonus you take home in 2026, with federal withholding by the 22% flat or aggregate method, FICA, state tax, 401(k) and a gross-up.
- Federal Income Tax CalculatorEstimate your 2026 federal income tax with the IRS's new brackets and standard deductions, and see your taxable income, tax by bracket, marginal and effective rate.
- Gross Pay CalculatorWork out your gross pay per paycheck and per year from an hourly rate with overtime, or from an annual salary, before any taxes or deductions.
- GST CalculatorAdd GST to a price or take it out of a GST-inclusive amount, with current presets for India, Australia, Canada, New Zealand and Singapore.
- Hourly to Salary CalculatorTurn an hourly wage into annual salary and monthly, biweekly, weekly and daily pay using your real hours and paid weeks per year.
- Pay Raise CalculatorSee your new pay after a percentage or dollar raise, or find the raise percentage between two pay rates, with the change per paycheck and after inflation.
- Property Tax CalculatorEstimate your annual and monthly property tax from your home's value, the local assessment ratio, exemptions and the tax rate in any format.
- Reverse Sales Tax CalculatorWork backward from a tax-inclusive total to the original price before sales tax and the amount of tax that was included.
- Salary to Hourly CalculatorConvert a salary into the hourly rate it represents, based on how many hours and weeks you actually work in a year.
- Sales Tax CalculatorAdd sales tax to a price to get the tax and the total, or work out the tax rate you paid from a receipt.
- State Sales Tax CalculatorPick a state, enter a purchase amount and get the sales tax using the state rate plus the average local rate or your exact local rate.
- Tax Refund EstimatorEstimate whether you'll get a federal refund or owe for 2026, projecting your withholding to year-end and applying the child tax credit, EITC and new deductions.
- Tip CalculatorWork out the tip and total for a restaurant or service bill, tip on the pre-tax amount if you prefer, and split it evenly with rounding.
State paycheck & tax calculators 2
- Paycheck CalculatorTurn a salary, hourly wage or paycheck into take-home pay after 2026 federal, state and local taxes, FICA and state disability or paid-leave contributions.
- State Income Tax CalculatorPick a state and filing status, enter your income, and see 2026 state income tax with the bracket-by-bracket math and how every other state compares.
Business & self-employment 7
- Commission CalculatorCalculate sales commission with a flat rate or tiered plan, add base pay and draws, and find the sales total you need to reach a target paycheck.
- Employee Cost CalculatorEstimate what an employee really costs in 2026 — salary plus employer payroll taxes, unemployment insurance, benefits and overhead — per year, month and hour worked.
- Freelance Rate CalculatorFind the minimum hourly and day rate that covers your take-home goal, self-employment and income tax, business costs, insurance, retirement savings and unbilled time.
- Inventory Turnover CalculatorCalculate inventory turnover and days sales of inventory from cost of goods sold or sales, and see how much cash a faster turnover target would free up.
- Self-Employment Tax CalculatorEstimate 2026 self-employment tax on freelance, gig or small-business profit, including the Social Security wage cap, W-2 wages and the half-SE-tax deduction.
- Startup Costs CalculatorTotal your one-time startup costs and monthly operating expenses to find how much money a new business needs, how long your cash lasts and any funding gap.
- VAT CalculatorAdd VAT to a net price or extract it from a VAT-inclusive price using current UK and EU standard and reduced rates, or any rate you choose.
Sales, pricing & retail 13
- Bid-Ask Spread CalculatorMeasure the gap between the bid and ask price in dollars, percent and basis points, and see what it costs to buy and immediately sell.
- Break-Even CalculatorCalculate how many units you must sell to cover fixed costs, the break-even revenue, contribution margin and your margin of safety.
- Discount CalculatorFind the price after a percent-off or dollar-off discount, stack an extra coupon the right way and see the total savings with optional sales tax.
- Margin CalculatorFind gross margin and markup from cost and selling price, set a price that hits a target margin, and convert between margin and markup.
- Markdown CalculatorWork out a markdown price or percentage and see what the price cut does to gross margin, total markdown dollars and the sales lift you need.
- Markup CalculatorCalculate a selling price from cost plus markup, find the markup on an existing price, or work back to cost — with the matching gross margin.
- Price CalculatorKnow any two of cost, price, markup, margin or profit? Enter them and the price calculator solves for everything else.
- Profit CalculatorCalculate profit from units sold, price and costs, or simply from revenue and total cost, with margin, contribution and break-even volume.
- Profit Goal CalculatorWork out the sales volume and revenue needed to hit a target profit, before or after income tax, from your price and costs.
- Profit Margin CalculatorEnter revenue and costs to see gross, operating and net profit margins side by side, and how each sales dollar is divided up.
- Sale Price CalculatorSolve for the sale price, the original price or the percentage off — enter any two and the calculator finds the third.
- Sales CalculatorTotal an order from unit price and quantity, then apply a discount, shipping and sales tax in the correct order to get the final amount.
- Selling Price CalculatorFind the selling price that leaves your target profit margin after product cost, extra costs, percentage fees and per-order fees.
Personal finance & accounting 13
- Adding MachineA desktop-style printing calculator in your browser — add up columns of figures on a running paper tape, take subtotals and totals, then copy or print the tape.
- Budget CalculatorSplit your take-home pay into needs, wants and savings with the 50/30/20 rule or your own split, and see how your current spending compares.
- Change CalculatorEnter the amount due and the amount paid to get the change, broken down into the fewest US bills and coins, with a count-back guide.
- Checkbook Balance CalculatorBalance your checkbook against your bank statement by adjusting both sides for outstanding checks, deposits in transit, fees and interest.
- Checkbook CalculatorTurn a list of deposits, checks and debit-card purchases into a check register with a running balance, totals and an overdraft warning.
- Cost of Living CalculatorCompare living costs between two places with index values you enter, and find the salary needed in the new city to keep the same standard of living.
- Currency Appreciation CalculatorMeasure the percentage by which a currency strengthened or weakened against another between two exchange rates, seen from both sides.
- Currency ConverterConvert money between about 30 major currencies using the latest European Central Bank reference rates, loaded live in your browser.
- Emergency Fund CalculatorSize your emergency fund from essential monthly expenses, see how many months your savings already cover, and how long it will take to reach your goal.
- Gas Mileage CalculatorWork out your car's fuel economy in mpg or L/100 km from a fill-up, the fuel cost per mile, and the gas and cost for a planned trip.
- Money CounterCount a cash drawer, deposit or piggy bank by entering the number of each bill and coin, and check it against what should be there.
- Net Worth CalculatorAdd up what you own and what you owe to find your net worth, home equity and debt ratio, and see how it compares with US families your age.
- Split Bill CalculatorSplit a bill fairly by what each person ordered, with shared dishes divided evenly and tax and tip shared in proportion to each person's subtotal.
Guides
- 15-Year vs. 30-Year Mortgage: Payments, Interest and Which to ChooseA 15-year mortgage costs far less interest but has a much higher payment. See the numbers side by side and the questions that decide which term fits you.
- APR vs. APY: What's the Difference and Which One to UseAPR is a simple annual rate that ignores compounding (and on loans includes fees); APY includes compounding. Learn when each applies and how to convert.
- CAGR vs. Average Annual Return: Why the Numbers DifferThe average of yearly returns overstates real growth whenever returns vary. CAGR gives the true compound rate. See the formulas, examples and when each applies.
- Debt Snowball vs. Avalanche: Which Pays Off Debt Faster?The avalanche method saves the most interest; the snowball method delivers quicker wins. See both run on real numbers and how to pick one.
- How Much Do Extra Mortgage Payments Save? Real Numbers by AmountExtra principal payments cut interest and years off a mortgage. Compare common strategies on a $300,000 loan and weigh prepaying against other uses of money.
- How a 401(k) Match Works: Formulas, Vesting and 2026 LimitsAn employer match adds free money to your 401(k) when you contribute. Learn to read your plan's formula, capture the full match and avoid losing it.
- How Compound Interest Works, with Formulas and ExamplesCompound interest earns interest on past interest. See the formula, how often compounding happens, what regular deposits add and how fast money doubles.
- How Credit Card Interest Is Calculated (Average Daily Balance)Card interest is the daily periodic rate times your average daily balance times the days in the cycle. Learn each step and how to avoid paying it.
- How Much Do I Need to Retire? The 4% Rule and Your NumberYour retirement number is roughly your yearly spending gap times 25. Work through spending, Social Security, withdrawal rates and the monthly savings needed.
- How Much House Can I Afford on a $100,000 Salary?Apply the 28/36 rule to a $100,000 income step by step, then see how rates, debts, down payment and taxes move the price you can afford.
- How to Calculate a Break-Even Point in Units and DollarsBreak-even units equal fixed costs divided by contribution margin per unit. Learn both break-even formulas, profit targets, sensitivity checks and product mixes.
- How to Calculate Your Debt-to-Income (DTI) RatioDTI is your monthly debt payments divided by gross monthly income. Learn what counts, what lenders accept and how to bring the ratio down.
- How to Calculate Mortgage Interest (Monthly, Yearly and Total)Work out the interest in any mortgage payment, the interest you pay each year and the total over the life of the loan, with formulas and a worked example.
- How to Calculate Net Pay (Take-Home Pay) from Gross PayNet pay is gross pay minus taxes and deductions, taken in a specific order. Follow the steps with 2026 federal figures and a worked biweekly paycheck.
- How to Calculate ROI (Return on Investment) and Annualized ROIROI is net gain divided by cost. Learn what belongs in each part, how to annualize ROI so different holding periods compare fairly, and where ROI misleads.
- How to Calculate Sales Tax (and Work Backward from a Total)Multiply the taxable price by the combined state and local rate to get sales tax. Learn the reverse formula, how discounts and trade-ins work, and common pitfalls.
- How to Calculate Self-Employment Tax (2026 Rates and Examples)Self-employment tax is 15.3% of 92.35% of your net profit, with a Social Security cap. Learn the steps, the deduction for half and how to pay it quarterly.
- How to Convert Salary to Hourly Pay (and Hourly to Salary)Divide salary by 2,080 work hours to get an hourly rate, or multiply hourly pay by 2,080 for a salary. Learn when to adjust the hours and what the rate leaves out.
- How to Read an Amortization Schedule, Column by ColumnAn amortization schedule lists every loan payment and how it splits between interest and principal. Learn to read and check one, line by line.
- Margin vs. Markup: The Difference and How to Convert Between ThemMarkup measures profit against cost; margin measures it against the selling price. Learn both formulas, convert between them and price products correctly.
- Marginal vs. Effective Tax Rate: What You Really Pay (2026)Your tax bracket is not the share of income you pay in tax. Learn how progressive brackets work, compute both rates with 2026 figures and use each correctly.
- Roth vs. Traditional IRA Explained: Which Is Better for You?Traditional IRAs give a tax break now and tax withdrawals later; Roth IRAs do the reverse. Compare them with 2026 limits and real after-tax numbers.