Financial Calculators
Clear, honest money math for US borrowers and savers. Every calculator explains the formula it uses. Estimates only — not financial advice.
Payment CalculatorFree payment calculator: enter a loan amount, interest rate and term to get your monthly payment, total interest and a yearly amortization schedule.How Long Will My Money Last CalculatorSee how many years your savings will last with monthly withdrawals, investment returns and inflation-adjusted spending. Free retirement drawdown calculator.Retirement Withdrawal CalculatorFind the monthly amount you can withdraw from retirement savings so it lasts a set number of years, with your withdrawal rate and the 4% rule for comparison.PMI CalculatorEstimate private mortgage insurance (PMI) on a conventional loan, see your loan-to-value, and find when PMI can be removed at 80% and drops off at 78% LTV.Recast Mortgage CalculatorSee how a mortgage recast lowers your monthly payment after a lump-sum principal payment, how much interest you save, and how fast the recast fee pays off.Calculate Compound InterestCalculate compound interest with daily, monthly, quarterly or annual compounding and optional monthly contributions. See the future value, APY and year-by-year growth.403b Calculator (403(b) Retirement Plan)Project your 403(b) balance at retirement from salary, contribution %, employer match, raises and returns. Uses the 2026 IRS deferral limit. Also works for 457(b).What Are Points on a Mortgage?Mortgage points are upfront fees (1 point = 1% of the loan) that buy a lower rate. Calculate the cost, monthly savings and break-even month for buying points.Monthly Mortgage Calculator With Taxes and InsuranceEstimate your full monthly mortgage payment — principal, interest, property taxes, homeowners insurance, PMI and HOA — with this free PITI calculator.Retirement Saving CalculatorProject your retirement savings at your retirement age from your current balance, monthly contributions and expected return — plus the income it could provide.Calculate Debt to Income Ratio for MortgageCalculate your front-end and back-end debt-to-income ratio the way mortgage lenders do, see how you compare with the 28/36 rule and the 43% limit.Amortization SchedulesGenerate full amortization schedules by month or year for any mortgage or loan, with extra payments, total interest and payoff date. Free and printable.Monthly Savings CalculatorFind how much you need to save each month (and week) to reach a savings goal by a date, including what you've already saved and the interest you'll earn.