60 free calculators
Calculators that show their working
For cards, banking, home, pay and tax. Each shows its working and its sources, runs in your browser, and needs no sign-up.
- Shows its workingEvery answer comes with the math behind it.
- Sources namedRates, limits and tax rules link to where they come from.
- Runs in your browserNo sign-up, and nothing you enter is stored.
No calculator matches. Show all 60
From our data
Tools that work from the products we track
They work from the cards and accounts we track, not from a formula alone, so the answer is a real product.
- Bonus planner$2,164over the next two yearsWhich card and bank bonuses to go for next, in an order your spending and cash can meet.8 cards and 2 bank bonuses, for a plain case
- Card optimizer$1,706the first year, from three cardsThe one, two or three cards that earn most on your spending, after fees.From 732 cards’ published terms
- Bank bonus finder7bonuses you can meet with $5,000 to parkThe bank bonuses you can meet where you live, worth most after the interest you give up.Worth up to $100 after the interest given up
- Savings switch+$460a year, on $10,000 at 0.40% APYWhat your savings earn now, and at the accounts that would pay most.From 270 savings accounts
- Bonus eligibility checker78cards with a bonus rule we can publishWhether you can get a card’s bonus again, from the issuer’s own rule.From 10 issuers’ own terms
- Bonus trackerOn your deviceYour bonuses and their deadlinesDeadlines and requirements for the bonuses you’re working towards, kept on your device.Kept in this browser
Home and mortgage
Mortgage payments at this week's rates, how much house you can afford, refinancing, renting against buying, HELOCs and paying off early.
- Mortgage$2,628Monthly payment, at this week’s rate
- Home Affordability$318,884Home price you can afford, at this week’s rate
- Property Tax$3,117Property tax a year
- Refinance$1,896New monthly payment, at this week’s rate
- FHA Loan$2,441Principal, interest and MIP a month, at this week’s rate
- VA Loan$2,378Principal and interest a month, at this week’s rate
- PMI$131PMI a month, at this week’s rate
- Mortgage Points$3,000Cost of the points, at this week’s rate
- Closing Cost$47,658Cash to close
- Down Payment$35,000Down payment
- Rent vs BuyRentingBetter after 7 years, at this week’s rate
- Rent Affordability$2,000 a monthRent you can afford
- Mortgage Payoff22 yearsPaid off in
- HELOC$175,000Credit line available
Pay and tax
Take-home pay and income tax in every state, your refund, hourly to salary, and the new 2025–2028 deductions for tips, overtime, seniors and car loans.
- Cost of Living$86,086The same living standard in New York, NY
- Capital Gains Tax$3,000Federal tax on the gain
- Self-Employment Tax$8,478Self-employment tax
- Bonus Tax$6,535Take-home from the bonus
- Raise$73,500New salary
- Paycheck$2,256Take-home pay, biweekly
- Income Tax$7,670Federal income tax
- Tax Refund$530Estimated refund
- Hourly to Salary$52,000A year
- No Tax on Tips$12,000Your deduction
- No Tax on Overtime$4,200Your deduction
- Senior Deduction$6,000Your deduction
- Car Loan Interest Deduction$2,400Your deduction
Debt, loans, cars and credit
Loan and car payments, paying off cards and other debts, consolidation and 0% transfers, buy now pay later, a loan's true APR, and your credit report and utilization.
- Loan$506Monthly payment
- Credit Card Payoff3 yearsPaid off in
- Credit Card Minimum Payment$150First minimum payment
- Debt SnowballNeeds your numbersPlan paying off several debts at once: the snowball method (smallest balance first) against the avalanche (highest APR first), with the month each debt is gone.
- Balance Transfer$1,041Interest if it stays, over 15 months
- Debt ConsolidationNeeds your numbersWhether a debt consolidation loan saves money against paying your cards as you do now, once its origination fee is counted.
- APR10.31%APR
- Credit Utilization31%Overall utilization
- Student Loan RepaymentNeeds your numbersYour federal student loan payment under the new Repayment Assistance Plan, the new standard plan and income-based repayment, with what each costs in total and any amount forgiven.
- Auto Loan$651Monthly payment
- Car Affordability$28,326Car price you can afford
- Lease vs Buy$19,200Leasing costs over 36 months
- Buy Now Pay Later$0Plan: interest
- Credit Report TimelineMarch 2029Comes off your report
Retirement and family
401(k) growth, Social Security at 62, 67 or 70, required minimum distributions, and Trump accounts for children.
Savings, CDs and tax
What savings and CDs grow to, saving for a goal or an emergency fund, how APY works, inflation, and what interest keeps after tax.
- Budget$2,500Needs (50%)
- Net Worth$185,000Net worth
- ROI60.0%Return on investment
- Future Value$31,089Future value
- Compound Interest$31,998Balance after 10 years
- Inflation$194$100 in 2000 is worth, in August 2026
- Savings$25,402Balance after 5 years
- Savings Goal$466Save each month
- Emergency Fund$21,000Your emergency fund target
- APY4.602%APY
- CD$425Interest at maturity (12 months)
- CD Ladder$10,000In each CD
- I Bond$11,596Worth in November 2026
- FDIC Insurance$700,000Deposits at this bank
- After-Tax Yield3.29%Savings keeps, after tax