Personal finance calculators
Clear numbers for
money decisions
Free tools to estimate CD growth, take-home pay, raises, and debt payoff. Fast, easy to use on your phone, and free to try—no account needed.
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Free calculators
Example · 12 mo CD
Deposit$10,000
APY4.50%
Interest+$450
Maturity$10,450
CD Calculator
Estimate certificate of deposit interest and maturity value. APY or APR, any term, flexible compounding, optional monthly deposits, and a full growth schedule.
Open free CD calculator →Example · 5% raise
Current$60,000
Raise+$3,000
New annual$63,000
Raise Calculator
Estimate a percent or dollar pay raise and see new annual, monthly, biweekly, and weekly amounts. Simple arithmetic you can verify.
Open free raise calculator →Learn
Guides
Short articles that explain CD interest and pay raises in plain language—with worked examples you can open in our free calculators.
- Step-by-step how-tos
- Example pages with sample numbers
- Links that open the calculator ready to use
Answers
Common questions
Straight answers about our calculators—plus links to official U.S. government pages when we mention insurance, taxes, or wage data.
- Questions about CDs and raises in one place
- Links to example pages and how we calculate
- No made-up bank rates or “good raise” advice
How the numbers work
How we calculate
We show the math behind each tool—what we include, what we leave out, and why results are learning estimates, not bank quotes or job offers.
- How CD interest is estimated
- How raise percents turn into new pay
- What we do not try to model (and why)
Trust
About
Meet the person behind Nestfigure, learn how we write our tools and guides, and get in touch if something looks wrong.
- Who builds and reviews the site
- Where to find our math and answers
- How to report a mistake
Coming next
More tools on the way
Paycheck calculator
Estimate take-home pay by state after taxes and common deductions.
Overtime calculator
See how overtime hours change your gross pay next to a raise.
Credit card payoff
Plan how long payoff takes and what interest may cost.
Featured reading
Start with these guides
A = P(1 + r/n)n·t Formula · APY · compounding How CD interest works
APY vs APR, n = compounds/year, and a $10k worked example.
CD vs savings
Rate certainty vs liquidity—with a sample term table.
new = current × (1 + r%) Raise % · salary increase How to calculate a raise
Percent formulas and a $60k / 5% worked example.
Why Nestfigure
We stay in personal finance only — earn, grow, and pay off. Every calculator is free, transparent about formulas, and designed with a calm product UI so you can decide faster.
YMYL notice: This site is for education only. It is not financial, tax, or investment advice. Nestfigure is not a bank, credit union, broker, investment adviser, or fiduciary. Product terms, rates, and penalties vary—always read your institution’s disclosures before acting. Calculator results are mathematical estimates, not bank quotes.