Financial calculators
Pick the question you are trying to answer. Each calculator explains its formula, walks through a worked example and lets you export the full schedule as a CSV file.
Home & mortgage
Payments, schedules and the true cost of a home loan.
- Mortgage Amortization CalculatorWhat will my home loan really cost each month, and over its life?Monthly payment with taxes, insurance and PMI, plus a full amortization schedule.
- Assumable Mortgage CalculatorShould I assume the seller's mortgage or get a new loan?Assuming a seller's low-rate FHA or VA loan vs. a new loan: equity gap, blended rate, fees and interest saved.
Real estate investing
Rental coverage, flips, house hacking, depreciation, 1031 exchanges and the tax when you sell.
- DSCR Loan CalculatorWill this rental's income cover its loan payment?Net operating income, debt service coverage ratio and the rent a lender needs to see.
- Hard Money Loan CalculatorWhat will a fix-and-flip loan cost, and what will I clear?Loan size from ARV and cost, cash to close, interest on rehab draws and the flip's net profit and ROI.
- Seller Financing CalculatorWhat will seller financing cost, and how big is the balloon?Owner financing payments on a long amortization, the balloon due, the seller's interest and the IRS minimum rate.
- FHA Self-Sufficiency Test CalculatorWill the rent on a triplex or fourplex pass FHA's self-sufficiency test?The FHA rent test for 3–4 units, with mortgage insurance, reserves and what your own unit costs you.
- Rental Property Capital Gains Tax CalculatorHow much tax will I owe when I sell my rental property?Gain, depreciation recapture, capital gains tax and the 3.8% NIIT on a rental sale, and what a 1031 exchange defers.
- Rental Property Depreciation CalculatorHow much depreciation can I deduct on my rental property each year?The 27.5- or 39-year depreciation schedule from the IRS tables, with the land split, improvements and a sale.
- 1031 Exchange CalculatorHow much tax does a 1031 exchange defer, and how much boot will I owe tax on?Realized, recognized and deferred gain, cash and mortgage boot, the replacement's basis and the 45- and 180-day deadlines.
- Section 121 Exclusion CalculatorHow much of the gain on selling a home I also rented out can I exclude?The 2-out-of-5-year tests, depreciation and nonqualified use taken out, the $250,000 or $500,000 limit and the tax on the rest.
Loans & debt
Paying off car loans, credit cards and personal loans faster.
- Auto Loan Early Payoff CalculatorHow much do I save by paying off my car loan early, or refinancing it?Interest and months saved with extra payments, plus a refinance savings estimate.
- Debt Snowball vs. Avalanche CalculatorWhich payoff order gets me out of debt faster and for less?Side-by-side payoff plans, debt-free dates and total interest for both methods.
Savings & investing
Interest, growth and where to keep your cash, from savings accounts to T-bills.
- Compound Interest CalculatorHow much will my savings or investments grow over time?Growth with regular contributions, any compounding frequency and an inflation view.
- High-Yield Savings CalculatorHow much interest will my savings earn, and would a CD pay more?Interest earned at your APY, compared with a regular savings account and a CD.
- T-Bill vs CD CalculatorDoes a Treasury bill or a CD leave me more interest after tax?A bill's investment rate from its discount rate, federal tax only on the bill, federal and state tax on the CD, and the tax-equivalent CD yield.
Taxes & self-employment
What freelancers owe, contract vs. salary, S corp savings and what to set aside each quarter.
- 1099 Tax CalculatorHow much tax will I owe on my freelance income?Self-employment, federal and state income tax on 1099 income, with quarterly estimated payments for every state.
- 1099 vs W-2 CalculatorDoes a contract rate pay more than a salary once taxes and benefits count?Employee FICA against self-employment tax, income tax on both, the value of benefits, and the hourly 1099 rate that matches a salary.
- S Corp Tax Savings CalculatorHow much would electing S corp status save my business in tax?Self-employment tax on the whole profit against payroll tax on a reasonable salary, the QBI deduction both ways, and the S corp's running costs.