Finance math you can actually verify

Advanced Loan Calculator

Loans

Calculate loan payments, interest rate, loan amount, or number of payments with different compounding frequencies. Free advanced loan calculator.

EMI Calculator

Loans

Calculate monthly EMI, total interest, and total payment for any loan.

10/1 ARM Mortgage Calculator

Mortgages

Calculate monthly payments, interest costs, and worst-case rate adjustments for a 10/1 adjustable-rate mortgage.

28/36 Rule Calculator

Mortgages

Calculate your front-end and back-end DTI ratios using the 28/36 rule to determine your home loan qualification limit.

529 Plan Calculator

Savings

Calculate how much to save in a 529 education savings plan to cover future college costs based on current age, tuition inflation, and investment returns.

401k Calculator

Retirement

Project your 401(k) retirement savings growth and calculate employer match contribution limits.

1099 Tax Calculator

Tax

Calculate your total estimated taxes as an independent contractor or freelancer. See self-employment tax, federal income tax, state tax, and quarterly payments.

AGI

Tax

Estimate your Adjusted Gross Income (AGI) by inputting gross earnings and above-the-line deductions.

12-Hour Shift Pay Calculator

Paycheck

Calculate daily, weekly, monthly, and annual earnings for 12-hour shifts including overtime and unpaid breaks.

50-30-20 Rule Budget Calculator

Budgeting

Budget your income using the 50-30-20 rule to divide money into Needs, Wants, and Savings.

70 20 10 Rule Money

Budgeting

Apply the 70/20/10 budgeting rule to split your after-tax income into essentials, savings, and lifestyle spending instantly.

3x Rent Calculator

Real estate

Calculate rent affordability and required income using the 3x rent rule of thumb.

AFFO Calculator

Real estate

Calculate the adjusted funds from operations (AFFO) of a real estate investment trust (REIT) to evaluate its dividend-paying ability.

Actual Cash Value

Insurance

Calculate the actual cash value of insured property from replacement cost, expected life, and current age.

Absence Percentage Calculator

Business

Calculate employee absenteeism rate as a percentage based on total employees, workdays, and days absent.

Accounting Profit Calculator

Business

Calculate accounting profit by subtracting explicit costs including operating expenses, interest, depreciation, and taxes from total revenue.

Accrual Ratio

Business

Calculate balance sheet and cash flow accrual ratios to evaluate a company's financial reporting quality using our free online calculator.

Accumulated Depreciation

Business

Calculate accumulated depreciation using straight-line, declining balance, sum of years digits, and units of production methods with our free calculator.

Acid Test Ratio Calculator

Business

Calculate the acid test ratio (quick ratio) to assess business liquidity with cash, receivables, and current liabilities.

Additional Funds Needed Calculator

Business

Calculate the additional external financing your business needs using the AFN formula: change in assets minus change in liabilities minus increase in retained earnings.

After-Tax Cost of Debt

Business

Calculate the effective cost of a company's debt after accounting for interest tax deductions.

Altman Z-Score

Business

Calculate a company's Altman Z-Score to predict its probability of bankruptcy within two years.

Alimony Calculator

Personal finance

Estimate monthly alimony (spousal support) payments using AAML formula and income-difference method. Compare both methods side by side.