Money calculators
Clear numbers for money decisions. No account required. Pick a category, search, or open a tool.
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Personal money21
Open categoryBudgets, savings, debt payoff, and net worth.
How much would you need to invest each month, starting at your age?
What is left after regular income and expenses?
How much cash buffer covers the months you choose?
When will regular contributions reach your target?
Which debt payoff order is faster or cheaper?
How long will repayment take and what will interest cost?
What can recurring savings become over time?
What do you own after subtracting what you owe?
What does a compensation change mean per pay period?
How much should you set aside each month for a known future cost?
What baseline budget fits income that changes month to month?
What share of gross monthly income goes to debt payments?
What percentage of take-home income are you keeping?
What might today’s money buy after several years of inflation?
How long can retirement savings support the income gap you expect?
How much could an annual investment fee reduce the value of regular savings?
Banking & borrowing17
Open categoryLoans, APY, amortization, and credit costs.
What are the monthly payment, interest, and total repayment?
Which loan costs less after rates, terms, and upfront fees?
What will a balance earn at a stated annual percentage yield?
How much time and interest can an extra payment save?
What is the payment while only interest is being charged?
What does a drawn credit line cost over the chosen number of days?
Which account costs less after fees, waivers, and interest?
What will a fixed deposit return by maturity?
What percentage of the asset value is financed?
What principal fits a chosen payment, rate, and term?
Will consolidation lower the total payment and interest cost?
When does a signup bonus outweigh a lower savings rate?
How does a fixed loan balance change at key points in its repayment term?
Taxes & payroll20
Open categoryTake-home pay, withholding, and tax reserves.
What take-home pay remains after user-supplied deductions and tax rates?
How much should be withheld from each pay period at the entered rate?
How much should a self-employed worker reserve from profit?
What taxable gain and estimated tax follow from the entered rate?
What does payroll cost after employer taxes and fixed benefits?
What reimbursement follows from distance and the applicable rate?
What workspace share of eligible home costs is potentially deductible?
What amount is withheld and what net payment is received?
How do the entered marginal rate and actual tax paid compare?
Does tax already withheld cover the annual tax estimate you enter?
Housing & moving25
Open categoryRent, mortgages, equity, and move-in costs.
What rent range fits your income and commitments?
Which option costs less over your expected time horizon?
What are the monthly payment and total interest?
How much time and interest can overpayments save?
How much cash is needed beyond the down payment?
What should you budget for the entire move?
How much should you set aside for upkeep?
What is the project total after fees and contingency?
What does a rent increase add per month and over the lease?
How much cash is needed for deposits, rent, fees, and setup?
How long will monthly savings take to recover refinancing costs?
How much estimated home value remains after secured debt?
What monthly cash flow remains after rent, vacancy, finance, and property costs?
What cash-on-cash return does a short-term rental lease arbitrage deal produce?
What return does a short-term rental purchase produce after financing and ops?
Should extra monthly funds repay the mortgage or go into an index fund?
Insurance & protection2
Coverage gaps, premiums, and claim costs.
Tax, STR, debt & investing28
Tax, investing, debt, short-term rental, and real-estate calculators mapped to Legacy Investing Show topics.
How much extra year-one depreciation tax savings could a study produce?
Could your short-term rental losses offset your W-2 or business income under the 7-day rule and material participation?
How much tax could renting your home to your business for up to 14 days save, and what should the meeting log show?
Do your hours pass the 750-hour test and the more-than-half test for real estate professional status?
How much gain is deferred if you replace a rental and how much boot is taxed now?
What year-one deduction does a bonus percentage create on qualifying basis?
How much of a rental sale is recapture versus long-term capital gain?
What should each remaining estimated payment be, and what does safe harbor require?
What 20% qualified business income deduction survives a simple wage limitation?
How much self-employment tax might an S corp salary split save versus Schedule C?
What portfolio would cover your spending at the withdrawal rate you choose?
What first-year withdrawal does your portfolio support at the rate you choose?
How long until this return doubles the money, and what is the exact compound time?
What could reinvested dividends and monthly adds grow to at a constant yield?
Which account wins after tax if rates today and in retirement are different?
What is the interest-only cost of a drawn HELOC versus a fully amortizing payment?
How many months until the loan reaches 80% LTV so PMI can drop?
Should extra cash hit the mortgage or higher-rate consumer debt first?
What percent of revolving limits is used, and how much paydown reaches 30% or 10%?
What occupancy keeps a short-term rental from losing money at this nightly rate?
What nightly rate covers costs and your target profit at this occupancy?
What do turnovers really cost each month once cleaner, supplies, and laundry are included?
Does a mid-term rental net more than a short-term Airbnb rental after fees, vacancy, and costs?
What capitalization rate does this rental's NOI produce at the price you would pay?
What cash-on-cash return remains after vacancy, operating costs, and debt service?
Does net operating income cover the annual mortgage by the ratio a DSCR lender wants?
How much cash stays in a buy-rehab-rent-refinance deal, and what cash flow is left?
What is your net housing cost after rent from other units or rooms?