Free calculators and financial guides
Make Smarter Financial Decisions
Free financial calculators and simple guides to help you understand your money.
Tools
Popular calculators
Estimate a mortgage, loan, investment, retirement balance, or credit card payoff without signing up.
- Mortgage CalculatorEstimate your monthly mortgage payment, including principal, interest, taxes, insurance, and HOA fees.Open calculator
- Loan CalculatorCalculate monthly payments, total interest, and total repayment for a fixed-rate installment loan.Open calculator
- Compound Interest CalculatorSee how an initial investment and monthly contributions can grow with compound interest over time.Open calculator
- Investment CalculatorEstimate a future investment value from starting principal, monthly contributions, and an assumed annual return.Open calculator
- Retirement CalculatorEstimate whether your current savings and monthly contributions may reach a retirement savings target.Open calculator
- Credit Card Payoff CalculatorEstimate how long it may take to pay off a credit card balance and how much interest you could pay.Open calculator
Learn
Financial guides
Educational articles on mortgages, credit, saving, investing, retirement, and budgeting.
Mortgages
- MortgagesHow Homeowners Insurance Affects Housing CostSee how homeowners insurance fits into PITI, escrow, and affordability, and how coverage choices can change the monthly housing payment without treating any premium as typical.Read guide
- MortgagesMortgage Closing Costs ExplainedUnderstand typical U.S. mortgage closing costs, how they differ from the down payment, and how to read fees on a Loan Estimate using labeled examples.Read guide
- MortgagesFixed-Rate vs Adjustable-Rate MortgagesCompare fixed-rate and adjustable-rate U.S. mortgages, including ARM caps, reset risk, a labeled payment example, and the limits of choosing from a calculator.Read guide
- MortgagesWhat Is PMI? Private Mortgage Insurance ExplainedUnderstand private mortgage insurance on conventional U.S. home loans: why lenders require it, how it is billed, when it can end, and a down-payment example.Read guide
- MortgagesWhen Refinancing a Mortgage May Make SenseWalk through when a U.S. mortgage refinance may help, using break-even math, closing costs, and a labeled example, plus questions a calculator cannot answer.Read guide
- Mortgages30-Year vs 15-Year MortgageCompare 30-year and 15-year fixed mortgages: monthly payment, total interest, flexibility, and the questions that matter before you choose a term.Read guide
- MortgagesHow Loan Amortization WorksSee how a fixed-rate installment loan splits each payment into interest and principal, why early payments are interest-heavy, and how extra principal changes the schedule.Read guide
- MortgagesHow Much House Can I Afford?A practical way to estimate a comfortable home budget using income, debts, down payment, and the full monthly housing payment—not just principal and interest.Read guide
Credit
- CreditHow Auto Loans WorkLearn how U.S. auto loans are priced and repaid, including term, APR, amortization, a labeled payment example, and the costs a loan calculator does not capture.Read guide
- CreditHow Student Loan Interest WorksLearn how U.S. student loan interest is calculated daily, when unpaid interest can capitalize, and how repayment choices change total cost using labeled examples.Read guide
- CreditHow Credit Card Interest WorksSee how credit card APR is applied to a balance, why minimum payments stretch payoff time, and how to estimate interest with a fixed payment.Read guide
- CreditWhat Is APR? APR vs Interest Rate ExplainedLearn what APR means on loans and credit cards, how it differs from the interest rate, and why the difference matters when you compare offers.Read guide
- CreditHow Credit Scores Are BuiltSee how U.S. credit scores are typically built from payment history, utilization, age, mix, and new accounts, plus a utilization example and score limits.Read guide
- CreditDebt Snowball vs Debt AvalancheCompare the debt snowball and debt avalanche methods using U.S. payoff math, motivation tradeoffs, and a labeled example so you can choose a repayment plan.Read guide
Investing
- InvestingInflation and Your Purchasing PowerUnderstand how inflation reduces purchasing power, why nominal returns can mislead, and how labeled examples help you plan long-term U.S. savings and retirement spending.Read guide
- InvestingAsset Allocation BasicsLearn what asset allocation means, how stocks, bonds, and cash play different roles, and why mix and rebalancing matter more than picking a single winner.Read guide
- InvestingDollar-Cost Averaging ExplainedSee how dollar-cost averaging builds an average purchase price over time, what it does not guarantee, and a labeled example versus a single lump-sum purchase.Read guide
- InvestingHow Compound Interest WorksUnderstand compound interest in plain language, including the basic formula, why time matters, and how contributions change the result.Read guide
Retirement
- RetirementRequired Minimum Distributions (RMDs)Learn how U.S. required minimum distributions work for traditional IRAs and 401(k)s, when they start, how the IRS table is used, and what an illustrative RMD looks like.Read guide
- RetirementRoth IRA vs Traditional IRACompare Roth and Traditional IRAs on tax timing, 2026 contribution and income rules, withdrawals, and a labeled example so you can think through the tradeoff.Read guide
- RetirementHow a 401(k) WorksLearn how a U.S. 401(k) works: contributions, employer match, vesting, tax treatment, investments, and withdrawals—without treating market returns as guaranteed.Read guide
- RetirementHow Much Should You Save for Retirement?A clear framework for estimating a retirement savings target using spending needs, time until retirement, and realistic contribution math—without guaranteed-return claims.Read guide
Saving
- SavingHigh-Yield Savings vs Money Market vs CDsCompare high-yield savings, money market deposit accounts, and CDs on access, rate structure, insurance, and fit—using examples, not promised yields.Read guide
- SavingHow APY Works on SavingsLearn what APY means on U.S. savings accounts, how compounding turns an interest rate into APY, and how to compare offers without treating any yield as a guarantee.Read guide
- SavingHow Much Should You Keep in an Emergency Fund?Learn how to size a U.S. emergency fund using monthly essentials, job risk, and household setup, with a worked example and what cash reserves cannot replace.Read guide
Budgeting
- BudgetingSinking Funds for Irregular ExpensesUse sinking funds to spread irregular U.S. household bills across the year so car insurance, holidays, and repairs do not masquerade as emergencies.Read guide
- BudgetingHow to Make a Simple Monthly BudgetBuild a U.S. monthly budget from take-home pay: bills, needs, wants, sinking funds, and debt payments—without rigid rules that ignore your actual cash flow.Read guide
- BudgetingGross Pay vs Net PaySee how U.S. gross pay becomes take-home pay through taxes, FICA, and benefits, and why budgets and housing math should start from net pay.Read guide
These calculators and articles are for informational purposes only and should not be considered financial, investment, tax, legal, or professional advice.
See the full guide library or every calculator if you want to keep going.