Finance Calculators

Personal finance decisions usually come down to a few numbers, and the difference between a good decision and a costly one is often just a fraction of a percentage point. The finance calculators on this page help you see those numbers clearly before you sign anything — whether that's a mortgage, a car loan, a personal loan, or a job offer. **Mortgages** are the largest debt most people take on. A mortgage calculator shows your estimated monthly principal-and-interest payment based on the home price, your down payment, the interest rate, and the loan term. Small changes matter: choosing a 15-year term instead of 30 usually means a higher monthly payment but dramatically less total interest. As you approach a purchase, run the numbers at a few different rates so you know what you can actually afford, not just what a lender is willing to approve. **Personal loans and auto loans** work the same way mathematically — a principal is repaid with interest over a fixed schedule — but the terms and typical rates differ. An auto loan calculator lets you model the trade-in and down payment so you can see the amount you actually finance. A larger down payment lowers both your monthly payment and your total interest, and it can help you avoid owing more than the car is worth early in the loan. **Salary calculators** flip the question around: instead of borrowing, you convert an annual salary into hourly, weekly, biweekly, and monthly figures so you can compare job offers or freelance rates on equal footing. Remember that these figures are gross (before tax), so pair them with your local tax situation when budgeting. Every tool here is free, runs entirely in your browser, and requires no sign-up. Use them to compare scenarios side by side — the best financial decision is usually the one you've actually calculated.