Welcome to Web's Most Comprehensive List of Free Online Personal Finance Calculators

We believe every person's situation is different, that's why we want you to run your own numbers and find answers tailored to your unique situation!

Note: this is a work-in-progress list, we are working hard to continuously update the list and turn the calculators live.  Please check us back whenever you have a need, and don't forget to send us your idea below!

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Auto Calculators

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• Auto loan financing options comparison
• Auto loan cost comparison
• Auto loan accelerated payment 
• Auto monthly payment 
• How much you can afford for a car? 
  
• Hybrid car or conventional car? 
• Lease or purchase 
• Loan or dealer financing
• Refinance auto loan or not and how much saving?
  

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Budgeting Calculators

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• Check balancing 
• Family monthly budget and actual worksheet
• How much am I spending every month? 
• How much should I set aside for emergencies? 
• How much will be my lifetime savings and expenditures?
• How much will it cost to raise a child? 
• Net worth calculator 
• Should I pay off debt or invest in savings?
• Should my spouse work too? 
• What will it take to pay off my balance? 
• What's it worth to reduce my spending?
  

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Business Calculators

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• Breakeven calculator
• Hourly Wage Calculator 
• P & L projections 
• Return on Investment Calculator 
  
• Sales Price from Profit Margin Calculator 
• Sales Price from Profit Markup Calculator
  

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College Cost Calculators

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• College cost (EFC) calculator
  
• College supplies - how much you might need 
  
• College Worth (is it worth it to get a college degree?)
• 4 Years College total costs calculator
  
• Coverdell ESA vs. 529 
  
• EFC estimation 
• Expense for living at home, on campus, off campus 
• Financial aid possibility 
• How much is parental (PLUS) loan amount? 
• How much should I save for my kids' college expenses now? 
• How much to save (per child) Is college worth it? 
• Prepaid vs. 529?
• When will I be able to pay back student loan

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Credit Card Calculators

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• Credit card rewards calculator

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Home and Mortgage Calculators

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• 30-year mortgage and invest the difference calculator
• Adjustable mortgage calculator (also show APR) 
• ARM payment sensitivity calculator
• Balloon mortgage 
• Biweekly payment savings 
• Blended interest rate if you use 2 loans 
• Buy down mortgage rate
• Choose ARM and Invest the difference
• Compare two different mortgage options
• Debt to income ratio 
  
• Fixed vs. ARM, which is better 
• How much can I afford a home 
• How much does it take to pay off balance 
• How much quicker to pay off loan if increase pmt amount 
• Maximum mortgage I can get? 
• Monthly mortgage payment amount 
• Mortgage APR 
• Mortgage PMI calculator
• Mortgage tax savings amount 
• Net worth calculator 
• Refinance or not? 
• Rent or buy? 
• Reverse mortgage

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Insurance and Annuity Calculators

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• Annuity calculator How long can I live? 
• Mortality table 
• How to evaluate impact of inflation on coverage amount?
• How long will death benefit payment last?
• How much life insurance do I need? 
• How much life insurance will I be allowed?
• How to evaluate Whole Life insurance's return?
• GUL annual return calculator
• Term Life Return of Premium rider evaluation tool
• IUL vs Index historical annual change comparison tool
• Which is better - term or universal life

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Investment Calculators

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• When to sell a winning stock?
• How to calculate multi-period investment return?
• How to evaluate a fund expense's impact on your profit?

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Real Estate Investment Calculators

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• Real Estate investment evaluation online tool

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Retirement Calculators

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• 401K or Roth 401K?
• How long can my retirement savings last?
• How much 401K balance will I get at retirement time?
• 401(k) Evaluation Tool (when my 401k account may run out of money?)
• How much 401K or 403b balance will I achieve  in 30 years?
• How much annual return is needed to retire? 
• How much is the real return for delaying Social Security payments?
• How much more Social Security benefits can I get if I keep working one more year before age 62?
• How much my employer's match is worth?
• How much retirement income can I get from my 401K? 
• How much social security payment income? 
• How much tax I need to pay in a Roth conversion?
• How much to save each year to reach retirement saving target?
• How much will be my social security benefits? 
• Is Roth IRA conversion worth it? 
• Own a small business?  Which retirement plan is the best? Individual 401k, Simple IRA, SEP IRA, Profit Sharing Plan? 
• Should I invest in a 401K or non-401K account?
• Should I save in a 401K or a Roth 401K account? 
• What's file and suspend social security income strategy? 
• What's my RMD amount?
• When I will be ready to retire?
• Why Roth IRA is valuable?
• Should I take 401K distribution at age 55 if possible?
• How much RMD will I need to take out each year?

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Tax Calculators

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• How much is chartable donnation's tax savings? 

• How much is flexible spending account's real value? 
• How much is net income after tax? 
• Mortgage tax savings amount 
• Taxable Equivalent Yield for a no-tax Investment
• When to harvest tax gain?
• Roth IRA conversion evaluation calculator
  

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