Make smarter money moves.

How to use these finance calculators

The ten finance calculators on this page cover the money questions most people ask: how much a loan costs, what a mortgage payment looks like, how savings grow, and what your pay is worth after tax. Pick the tool that matches your question, enter your numbers and read the result at once — every one is free, with no sign-up and nothing to download.

Start with the loan payment panel above for a quick idea of a monthly payment, then use the Mortgage Calculator or the Loan EMI Calculator for the full breakdown. If you are weighing a purchase, the CFPB’s consumer resources explain the same decisions — buying a house, getting an auto loan and planning for retirement — in plain language.

If you are freelance or self-employed, start with the Freelancer Rate Calculator to work out the hourly rate you need, then use the Income Tax Calculator to see what that income means for tax. The finance calculators on this page are designed to be used together, so the result of one can feed straight into the next.

Getting the most from our finance calculators

Compare your options side by side instead of trusting one number. The finance calculators work best when you try a few what-ifs: a shorter loan term, a bigger deposit, or a slightly higher interest rate, and watch how the monthly payment changes. Save or note down the result each time, so you can compare lenders and plans on the same figures.

Finance calculators example: monthly mortgage payment by term

The chart below shows the monthly payment for a $240,000 loan at 6.5% interest, as worked out by the Mortgage Calculator: $2,091 a month over 15 years, $1,789 over 20 years and $1,517 over 30 years. The shorter term costs more each month but pays far less interest overall.