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 →Example · $5k · 22% APR
Payment$150/mo
Time~52 mo
Interest~$2,798
Credit Card Payoff
Estimate months to clear a balance, total interest, and how higher payments change the plan. Educational math only—not a statement.
Open free payoff calculator →Example · $20/hr · 10 OT
Regular$800
OT 1.5×$300
Week total$1,100
Overtime Calculator
Estimate regular, time-and-a-half, and optional double-time pay from hours and multipliers you control.
Open free overtime calculator →Example · $60k biweekly
Gross~$2,308
Tax est.22%
Net est.~$1,800
Paycheck Calculator
Estimate gross and take-home by pay frequency with a tax rate you type. Educational only—not IRS tables.
Open free paycheck calculator →Example · $10k · 8% · 36 mo
Paymentsample
Interestschedule
PlanFixed term
Loan Calculator
Estimate monthly payment, total interest, and amortization from amount, APR, and term—plus optional extra payments.
Open free loan calculator →Example · $30k · 5.5%
Term10 yr
Rate input5.5%
Paymentsample
Student Loan Calculator
Estimate a fixed-rate student loan payment from balance, rate, term, and optional extra payments.
Open free student loan calculator →Example · $30k · 10% down
APR input7%
Term60 mo
Paymentsample
Auto Loan Calculator
Estimate a car payment from price, down payment, trade-in, optional tax/fees, APR, and term.
Open free auto loan calculator →Example · $10k goal
Deposit$200/mo
APY input4%
Timelinesample
Savings Goal Calculator
Estimate how long monthly deposits take to hit a target—with optional APY growth. Educational only.
Open free savings goal calculator →Example · $10k · 5% · 10y
CompoundingMonthly
Interestgrows
Future valuesample
Compound Interest Calculator
Estimate future value from principal, rate, years, compounding, and optional monthly deposits.
Open free compound interest calculator →Example · $10k · 5% · 3y
FormulaI = P × r × t
CompoundingNone
Interestsample
Simple Interest Calculator
Estimate interest with I = P × r × t—no compounding. Educational only.
Open free simple interest calculator →Example · $10k → $15k
Years3
ROI50%
Annualizedsample
ROI Calculator
Estimate return on investment and optional annualized return from initial cost and final value.
Open free ROI calculator →Example · $80k salary
Deferral6%
Match50% to 6%
Total / yrsample
401(k) Calculator
Estimate employee contributions, employer match, and optional multi-year growth at a sample return.
Open free 401(k) calculator →Example · $10k fixed
Price$50
Variable$30
Break-evensample
Break-Even Calculator
Estimate units and revenue needed to cover fixed costs from price and variable cost per unit.
Open free break-even calculator →Example · $100k · $2k/mo
Growth0%
Withdrawal$2,000
Runwaysample
How Long Will Savings Last?
Estimate how many months a balance lasts with a fixed monthly withdrawal and optional growth.
Open free savings duration calculator →Example · $100 · 3% · 10y
ModeFuture cost
Rate input3%
Resultsample
Inflation Calculator
Estimate future cost or past value of money using an average annual inflation rate you type. Educational only.
Open free inflation calculator →Example · $6k gross
Housing$1,800
Other$400
Back-end DTIsample
Debt-to-Income Calculator
Estimate front-end and back-end DTI from gross income and monthly debts you enter. Educational only—not underwriting.
Open free DTI calculator →Example · $400k · 20% down
Rate input6.5%
Term30 yr
P&Isample
Mortgage Calculator
Estimate principal and interest from home price, down payment, rate, and term—plus optional taxes and insurance you type.
Open free mortgage calculator →Example · $300k balance
From6.5%
To5.5%
Savingssample
Mortgage Refinance Calculator
Compare current vs new payment, interest, and break-even on closing costs.
Open free refinance calculator →Example · $300k · 6.5%
MonthlyP&I
Biweeklyhalf
Interest savedsample
Biweekly Mortgage Calculator
Compare monthly vs biweekly payments—interest saved and time to pay off under a teaching model.
Open free biweekly mortgage calculator →Example · $5,000 monthly
Needs50%
Wants30%
Savings20%
50/30/20 Budget Calculator
Split take-home into needs, wants, and savings/debt dollars—edit shares or compare sample actuals.
Open free 50/30/20 budget calculator →Example · $80 bill
Tip20%
Tip $$16
Total$96
Tip Calculator
Estimate tip, total with tip, and an even per-person split—optional pretax tip base.
Open free tip calculator →Example · $3,000/mo
Target6 mo
Fund$18,000
Runwaysample
Emergency Fund Calculator
Estimate a cash target from essential monthly expenses and months of runway—plus shortfall if you’ve saved some already.
Open free emergency fund calculator →Example · sample snapshot
Assets$150k
Debts$80k
Net worth$70k
Net Worth Calculator
Add assets and liabilities for a simple net worth snapshot and debt-to-asset ratio.
Open free net worth calculator →Example · $100 item
Off20%
Save$20
Sale$80
Percent Off Calculator
Find sale price and savings from a discount percent—optional tax after the discount and quantity totals.
Open free percent-off calculator →Example · $100k sales
Rate5%
Commission$5,000
Paysample
Commission Calculator
Estimate commission from sales and rate—optional base pay and draw against commission.
Open free commission calculator →Example · $20/hr
Hours40/wk
Weeks52
Annual$41,600
Hourly to Salary Calculator
Convert hourly rate, hours/week, and weeks/year into annual, monthly, and biweekly gross pay.
Open free hourly to salary calculator →Example · $100 pretax
Rate8%
Tax$8
Total$108
Sales Tax Calculator
Add sales tax to a pretax price—or reverse a total with tax to find pretax and tax dollars.
Open free sales tax calculator →Example · $80k income
Down20%
Rate sample6.5%
Max pricesample
Home Affordability Calculator
Estimate a sample max home price from income, DTI caps you choose, rate, term, and down payment.
Open free home affordability 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
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.