Personal finance calculators
Everyday money tools such as tips, gratuity, and simple spending helpers.
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Finance Tools
10/1 ARM Mortgage CalculatorMortgagesCalculate monthly payments, interest costs, and worst-case rate adjustments for a 10/1 adjustable-rate mortgage.
1099 Tax CalculatorTaxCalculate your total estimated taxes as an independent contractor or freelancer. See self-employment tax, federal income tax, state tax, and quarterly payments.
12-Hour Shift Pay CalculatorPaycheckCalculate daily, weekly, monthly, and annual earnings for 12-hour shifts including overtime and unpaid breaks.
28/36 Rule CalculatorMortgagesCalculate your front-end and back-end DTI ratios using the 28/36 rule to determine your home loan qualification limit.
3x Rent CalculatorReal estateCalculate rent affordability and required income using the 3x rent rule of thumb.
401k CalculatorRetirementProject your 401(k) retirement savings growth and calculate employer match contribution limits.
50-30-20 Rule Budget CalculatorBudgetingBudget your income using the 50-30-20 rule to divide money into Needs, Wants, and Savings.
529 Plan CalculatorSavingsCalculate how much to save in a 529 education savings plan to cover future college costs based on current age, tuition inflation, and investment returns.
70 20 10 Rule MoneyBudgetingApply the 70/20/10 budgeting rule to split your after-tax income into essentials, savings, and lifestyle spending instantly.
Absence Percentage CalculatorBusinessCalculate employee absenteeism rate as a percentage based on total employees, workdays, and days absent.
Accounting Profit CalculatorBusinessCalculate accounting profit by subtracting explicit costs including operating expenses, interest, depreciation, and taxes from total revenue.
Accrual RatioBusinessCalculate balance sheet and cash flow accrual ratios to evaluate a company's financial reporting quality using our free online calculator.
Accumulated DepreciationBusinessCalculate accumulated depreciation using straight-line, declining balance, sum of years digits, and units of production methods with our free calculator.
Acid Test Ratio CalculatorBusinessCalculate the acid test ratio (quick ratio) to assess business liquidity with cash, receivables, and current liabilities.
Actual Cash ValueInsuranceCalculate the actual cash value of insured property from replacement cost, expected life, and current age.
Additional Funds Needed CalculatorBusinessCalculate the additional external financing your business needs using the AFN formula: change in assets minus change in liabilities minus increase in retained earnings.
Advanced Loan CalculatorLoansCalculate loan payments, interest rate, loan amount, or number of payments with different compounding frequencies. Free advanced loan calculator.
AFFO CalculatorReal estateCalculate the adjusted funds from operations (AFFO) of a real estate investment trust (REIT) to evaluate its dividend-paying ability.
After-Tax Cost of DebtBusinessCalculate the effective cost of a company's debt after accounting for interest tax deductions.
AGITaxEstimate your Adjusted Gross Income (AGI) by inputting gross earnings and above-the-line deductions.
Alimony CalculatorPersonal financeEstimate monthly alimony (spousal support) payments using AAML formula and income-difference method. Compare both methods side by side.
Altman Z-ScoreBusinessCalculate a company's Altman Z-Score to predict its probability of bankruptcy within two years.
EMI CalculatorLoansCalculate monthly EMI, total interest, and total payment for any loan.