Free money calculators
Eight tools to see the real cost of borrowing, plan a payoff, and grow your savings. Everything runs in your browser; nothing you type is sent anywhere.
Loan payment calculator
See the monthly payment, total interest and the first year of your amortization schedule.
- Total interest-
- Total repaid-
- Cash you receive after fee-
First 12 months of payments
| Month | Principal | Interest | Balance |
|---|
Fee to APR converter
Turn a flat fee on a short-term loan or cash advance into an annual percentage rate you can compare.
- Fee per $100-
- Total due-
- Total fees after 4 renewals-
Debt payoff calculator
How long one debt takes to pay off at a fixed monthly payment. For several debts, use our snowball vs. avalanche tool.
- Total interest-
- Total paid-
- Payment for 24-month payoff-
Credit utilization calculator
Your total card balances divided by your total limits.
- Pay down to reach 30%-
- Pay down to reach 10%-
Emergency fund calculator
Three to six months of essential expenses is a common goal.
- Still to save-
- Time to reach it-
Savings goal calculator
How long to reach a goal with regular deposits and interest.
- Total you deposit-
- Interest earned-
50/30/20 budget calculator
A simple split of take-home pay into needs, wants and savings.
- Wants (30%)-
- Savings and extra debt payments (20%)-
- Saved in a year-
Gig tax set-aside calculator
A federal estimate of self-employment and income tax on side income.
- Net profit-
- Self-employment tax-
- Estimated income tax-
Calculator questions
Can't find yours? Ask our team.
How is APR different from an interest rate?
APR includes the interest rate plus certain fees, expressed as a yearly rate. It lets you compare loans with different fees and lengths on the same scale.
Are these calculators accurate?
They use standard formulas, but real loans can round differently, charge extra fees or change rates. Always check the lender's disclosures.
Do you store what I enter?
No. The calculators run entirely in your browser and nothing you type is sent to us or anyone else.
Why does a short loan with a small fee have such a high APR?
APR annualizes the cost. A $15 fee on a 14-day $100 loan repeats about 26 times in a year, which works out to roughly 391%.
Know your numbers? Compare real offers.
Request $200 to $5,000 and check each offer's APR against what you calculated here. Free to submit, no obligation.
Sources
- CFPB: Truth in Lending Act (Regulation Z)
- IRS: Standard mileage rates
- IRS: Self-employment tax
- FDIC: Deposit insurance
This page is general education, not financial, legal or tax advice. Rules and rates change; check the source or a qualified professional before making decisions.
One money tip, every Tuesday
New rules, rate changes and one thing you can do this week. Takes five minutes.