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Personal Loan Calculator
Free personal loan calculator using current Federal Reserve G.19 average rates. Get monthly payment, total interest, and amortization for amortizing, equal-principal, and interest-only loans.
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Compound Interest Calculator
Free compound interest calculator. Project the future value of savings with daily, monthly, quarterly, or annual compounding. Add monthly contributions to model HYSA, CD, or 401(k) growth.
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Loan Prepayment Savings Calculator
Calculate net savings from loan prepayment vs holding to maturity. Most US loans NO penalty (TILA/Dodd-Frank QM). Compare interest saved minus penalty + alternative investment return.
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Loan Comparison Calculator
Compare two loan repayment methods: standard amortizing (level payments, more interest) vs equal-principal (declining payments, less interest). See total cost difference.
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Mortgage Refinance Savings Calculator
Calculate net savings from refinancing your mortgage. Compare current vs new APR, factor in closing costs (2-5%), and find break-even month. Rule of thumb: 0.75-1% rate drop minimum.
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Interest Rate Impact Calculator
See how a 1% rate change affects your loan total cost. Compare scenarios at -1%, current, +1%, +2%. Critical for ARM borrowers facing rate reset and refinance decision-making.
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Loan Term Comparison Calculator
Free loan term comparison calculator. Compare a longer-term loan to a shorter alternative side by side — see how much you save in total interest by paying more each month.
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Personal Loan vs Credit Card Calculator
Compare personal loan amortization vs credit card revolving debt. Personal loan 13.45% (3yr) / 17.79% (5yr) vs credit card 23.77% APR. Debt consolidation savings calculator.
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CD Maturity Calculator
Free CD maturity calculator. Project the maturity value of a US bank CD by APY and term, including federal income tax on interest. Compare to high-yield savings or recurring savings.
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Currency Exchange Calculator
Free currency exchange calculator with bank fee markup. Convert USD to EUR, GBP, JPY, MXN, CAD, and other currencies — and see how much fees and credit card foreign transaction charges actually cost.
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Stock Return Calculator
Free stock return calculator. Compute gross profit, ROI percentage, and after-tax return on a stock trade. Models US long-term capital gains tax (0%, 15%, 20% by income bracket).
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Crypto Trading Return Calculator
Calculate cryptocurrency trading profit, return %, and tax. Federal LTCG 0/15/20% (long-term) or ordinary rates (short-term). 1099-DA reporting starts 2026.
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DTI Loan Limit Calculator
Calculate maximum loan amount based on debt-to-income ratio limits. Fannie Mae DU 50%, FHA 56.99%, VA flexible, QM safe harbor 43%. Find your true borrowing capacity.
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Bank Overdraft Fee Calculator
Calculate true cost of bank overdraft fees: $34-$35/item Chase/BofA/Wells Fargo, sustained $25 fee, implied APR over 200%. CFPB $5 cap REPEALED by Congress 2025.
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Credit Card Cash Advance Calculator
Calculate true cost of credit card cash advance: 28-30% APR, 5% transaction fee, NO grace period, no rewards. Compare to personal loan, BNPL, HELOC alternatives.
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Savings Goal Calculator
Free savings goal calculator. Find how long to reach a target amount given a current balance, monthly contribution, and APY. Models taxes on interest for accurate after-tax timing.
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Real Rate of Return Calculator
Free real rate of return calculator using the Fisher equation. Convert nominal returns to real (inflation-adjusted) returns to see what your investment actually buys you.