Buying a home? Start with the mortgage amortization calculator. It adds property tax, insurance, PMI and HOA dues to the loan payment, so you see the full monthly cost rather than principal and interest alone, and it shows when PMI comes off. If the seller has a low-rate FHA or VA loan, the assumable mortgage calculator shows whether taking it over beats a new loan at today's rate.
Investing in real estate? The DSCR loan calculator tests whether a rental's income covers its mortgage the way lenders measure it, and the hard money loan calculator runs a fix-and-flip from purchase and rehab draws to net profit and return on cash. Buying a triplex or fourplex to live in? The FHA self-sufficiency test calculator checks whether the rent passes FHA's test. When it's time to sell, the rental property capital gains tax calculator estimates depreciation recapture and capital gains tax, with a page for every state. The rental property depreciation calculator builds the depreciation schedule behind that tax from the IRS tables. Trading up instead of selling? The 1031 exchange calculator shows the gain an exchange defers, the taxable boot and your 45- and 180-day deadlines, and if you once lived in the property, the Section 121 exclusion calculator works out how much of the gain the home sale exclusion still covers.
Paying down debt? If you have several balances, the debt snowball vs. avalanche calculator compares the two most popular payoff orders and gives you a debt-free date for each. For a single car loan, the auto loan early payoff calculator measures what extra payments save and whether a refinance beats them.
Growing your savings? The high-yield savings calculator works from the APY banks advertise and compares a savings account with a CD. For long-term goals and investment returns, the compound interest calculator handles any compounding schedule, rising contributions and inflation. Choosing between a Treasury bill and a CD? The T-bill vs CD calculator compares them after federal and state tax.
Working for yourself? The 1099 tax calculator estimates self-employment, federal and state income tax on freelance income for every state, with quarterly estimated payments. Weighing a contract against a job? The 1099 vs W-2 calculator finds the hourly rate that matches a salary and its benefits. Once the business grows, the S corp tax savings calculator shows what an S corporation election would save.
Every result is an estimate based on the numbers you enter. Your lender, bank or card issuer sets your actual rate and terms, so use these tools to compare options and ask better questions, then confirm the details with them.