Financial Calculators
Professional-grade financial tools for mortgages, loans, investments, retirement planning, and taxes. Calculate with confidence using our accurate formulas and detailed results.
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Advanced Mortgage Calculator
Calculate mortgage payments with taxes, insurance, PMI, and extra payments. Includes amortization schedule.
Loan Calculator
Calculate loan payments and total interest for personal loans, auto loans, and other installment loans.
Auto Loan Calculator
Calculate car loan payments, total interest, and affordability for new and used vehicles.
Investment Calculator
Calculate investment returns, compound growth, and portfolio performance over time.
Stock Investment Calculator
Calculate stock profits, losses, ROI, and annualized returns for US stocks with dividend calculations.
Retirement Calculator
Plan retirement savings goals, calculate 401k contributions, and estimate retirement income needs.
Compound Interest Calculator
Calculate compound interest growth with different compounding frequencies for savings and investments.
Interest Calculator
Calculate simple and compound interest for savings accounts, CDs, bonds, and other investments.
Interest Rate Calculator
Determine interest rates for loans and investments based on principal, payment amount, and term.
Income Tax Calculator
Calculate federal and state income tax based on earnings, deductions, and filing status.
Salary Calculator
Calculate take-home pay after taxes, deductions, and benefits. Includes hourly to salary conversions.
Sales Tax Calculator
Calculate sales tax for purchases across different states and localities with reverse calculations.
Payment Calculator
Determine monthly payment amounts for any loan given principal, interest rate, and term length.
Finance Calculator
Multi-purpose financial calculator for business planning, cash flow analysis, and financial projections.
Inflation Calculator
Calculate the impact of inflation on purchasing power and money value over time with historical data.
Amortization Calculator
Generate detailed amortization schedules with principal and interest breakdowns and extra payment scenarios.
Mortgage Calculator
Calculate monthly payments, interest costs, amortization schedules, and compare different loan options.
Debt Calculator
Compare debt payoff strategies like avalanche and snowball methods to become debt-free faster.
Payroll Calculator
Calculate take-home pay with federal and state taxes, FICA, and pre/post-tax deductions.
Canada Mortgage Calculator
Calculate mortgage payments for all Canadian provinces including CMHC insurance and provincial variations.
US Mortgage Calculator
State-specific mortgage calculations with local property tax rates and insurance costs for all 50 US states.
Financial Planning Guide
Mortgage Planning
A mortgage is typically the largest financial commitment you'll make. Our mortgage calculators help you understand:
- Monthly Payment Calculation: Principal, interest, taxes, and insurance (PITI)
- Down Payment Impact: How much to put down to avoid PMI
- Amortization: How payments split between principal and interest over time
- Extra Payment Benefits: How additional payments save thousands in interest
Investment Growth
Understanding compound interest is crucial for building wealth. Our investment calculators demonstrate:
- Compound Growth: How money grows exponentially over time
- Regular Contributions: The power of consistent monthly investing
- Time Value: Why starting early makes a massive difference
- Risk vs. Return: How different return rates affect outcomes
Retirement Planning
Retirement planning requires understanding multiple factors:
- Retirement Goal: How much you need based on desired lifestyle
- Savings Rate: How much to save monthly to reach your goal
- Employer Matching: Taking full advantage of 401(k) matches
- Inflation Impact: How rising costs affect retirement needs
Debt Management
Managing loans effectively can save thousands in interest:
- Loan Comparison: Understanding APR vs. interest rate
- Extra Payments: How additional payments reduce total interest
- Refinancing: When it makes sense to refinance
- Debt Avalanche: Paying off highest interest debts first
Frequently Asked Questions
Use our Advanced Mortgage Calculator by entering:
- Loan Amount: Home price minus down payment
- Interest Rate: Annual percentage rate from your lender
- Loan Term: Usually 15 or 30 years
- Additional Costs: Property taxes, insurance, PMI
Simple Interest: Calculated only on the principal amount
Compound Interest: Calculated on principal plus accumulated interest (interest earning interest)
Simple Interest: Earns $500 every year consistently
Compound Interest: Year 1: $500, Year 2: $525, Year 3: $551.25, growing exponentially
After 20 years: Simple = $20,000, Compound = $26,533
Financial experts recommend saving 10-15% of your income for retirement. Use our Retirement Calculator to get personalized results.
Age 30: Have 1x annual salary saved
Age 40: Have 3x annual salary saved
Age 50: Have 6x annual salary saved
Age 60: Have 8x annual salary saved
Example: If you're 25, earn $60,000, and want $1M at retirement, save approximately $350/month assuming 7% returns.
Extra mortgage payments can save significant interest, but consider your complete financial picture first.
Regular payments: $1,799/month, total interest: $347,515
Adding $200/month extra: Saves $153,813 in interest and pays off loan 9 years early
Consider first: Emergency fund, high-interest debt, employer 401(k) match, investment opportunities with higher returns
Take-home pay depends on federal taxes, state taxes, Social Security, Medicare, and other deductions. Use our Salary Calculator for accurate results.
Gross Pay: $75,000
Federal Tax: ~$8,600
State Tax: ~$3,400
Social Security: ~$4,650
Medicare: ~$1,090
Take-Home: ~$57,260 (76% of gross)
Canadian and US mortgages have different calculation methods and requirements:
• Semi-annual compounding (not in advance)
• Maximum 25-year amortization for insured mortgages
• CMHC insurance for down payments under 20%
• Stress test requirements
US Mortgages:
• Monthly compounding
• 30-year terms are standard
• PMI for down payments under 20%
• Different qualification ratios
Our calculators use standard financial formulas (PMT, PV, FV functions) and are highly accurate for estimates and planning purposes.
• Calculations use precise mathematical formulas
• Results are estimates for planning purposes
• Actual terms may vary by lender
• Market conditions affect real-world results
• Always verify with financial professionals
Best Practice: Use multiple calculators and consult with qualified financial advisors for major financial decisions.
Essential Financial Concepts
Interest Rates
Understanding APR vs. interest rate, fixed vs. variable rates, and how compounding frequency affects your costs.
Time Value of Money
Why a dollar today is worth more than a dollar tomorrow, and how this principle drives all financial calculations.
Inflation Impact
How rising prices erode purchasing power over time and why your investments need to beat inflation.
Risk vs. Return
Balancing potential returns with acceptable risk levels in your investment and financing decisions.