Tools
Calculators
Free personal finance calculators with clear math. Share results, put a calculator on your page, or download a PDF. No signup.
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 balance
APR input22%
Payment$150/mo
PlanPayoff path
Credit Card Payoff
Estimate months to clear a balance, total interest, and compare higher payments. Educational math—not a credit statement.
Open free payoff calculator →Example · $20/hr
40 + 10 OT1.5×
OT pay$300
Week total$1,100
Overtime Calculator
Estimate regular, time-and-a-half, and optional double-time pay from hours and multipliers. Educational only—not legal overtime eligibility advice.
Open free overtime calculator →Example · $60k
Biweekly gross~$2,308
Tax estimate22%
Net estimatesample
Paycheck Calculator
Estimate gross and take-home by pay frequency with a combined tax rate you type. Not IRS withholding tables.
Open free paycheck calculator →Example · $10k loan
APR input8%
Term36 mo
Paymentestimate
Loan Calculator
Estimate monthly payment, total interest, and amortization schedule. Educational only—not a lender quote.
Open free loan calculator →Example · $30k loan
Rate input5.5%
Term10 yr
Paymentestimate
Student Loan Calculator
Estimate monthly payment, total interest, and payoff for a fixed-rate student loan. Educational only—not a federal plan or lender quote.
Open free student loan calculator →Example · $30k car
Down10%
APR input7%
Paymentestimate
Auto Loan Calculator
Estimate a car payment from price, down payment, trade-in, optional tax and fees, APR, and term. Educational only—not a dealer quote.
Open free auto loan calculator →Example · $10k goal
Monthly$200
APY input4%
Timelineestimate
Savings Goal Calculator
Estimate months to a savings target with monthly deposits and optional APY growth. Educational only—not bank rates.
Open free savings goal calculator →Example · $10k growth
Rate5%
Years10
Future valueestimate
Compound Interest Calculator
Estimate future value from principal, rate, years, compounding, and optional monthly deposits. Educational only—not investment advice.
Open free compound interest calculator →Example · $10k · 5% · 3y
FormulaI = P × r × t
CompoundingNone
Interestestimate
Simple Interest Calculator
Estimate interest with I = P × r × t—no compounding. Educational only—not a loan quote or investment advice.
Open free simple interest calculator →Example · $10k → $15k
Years3
ROI50%
Annualizedestimate
ROI Calculator
Estimate return on investment and optional annualized return from initial cost and final value. Educational only—not investment advice.
Open free ROI calculator →Example · $80k salary
Deferral6%
Match50% to 6%
Total / yrestimate
401(k) Calculator
Estimate employee contributions, employer match under a sample formula, and optional growth. Educational only—not investment advice.
Open free 401(k) calculator →Example · $10k fixed
Price$50
Variable$30
Break-evenestimate
Break-Even Calculator
Estimate units and revenue needed to cover fixed costs from price and variable cost. Educational only—not business advice.
Open free break-even calculator →Example · $100k · $2k/mo
Growth0%
Withdrawal$2,000
Runwayestimate
How Long Will Savings Last?
Estimate how many months a balance lasts with a fixed monthly withdrawal and optional growth rate you type. Educational only—not retirement advice.
Open free savings duration calculator →Example · $100 · 10 years
Avg. rate3%
ModeFuture cost
Resultestimate
Inflation Calculator
Estimate future cost or past value using an average annual inflation rate you type. Educational only—not BLS CPI software.
Open free inflation calculator →Example · DTI
Gross$6,000
Debts$2,200
Back-endratio
Debt-to-Income Calculator
Estimate front-end and back-end DTI from gross income and monthly debts. Educational only—not underwriting.
Open free DTI calculator →Example · $400k home
Down20%
Rate6.5%
P&Iestimate
Mortgage Calculator
Estimate principal and interest from home price, down payment, rate, and term. Educational only—not a lender quote.
Open free mortgage calculator →Example · $300k balance
From6.5%
To5.5%
Savingsestimate
Mortgage Refinance Calculator
Compare current vs new payment, interest, and break-even on closing costs. Educational only—not a refinance offer.
Open free refinance calculator →Example · $300k · 30 yr
Rate6.5%
Biweekly26 / yr
Interest savedestimate
Biweekly Mortgage Calculator
Compare monthly vs biweekly mortgage payments, interest saved, and payoff time. Educational only—not a lender product.
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 optional actuals. Educational only—not a personalized plan.
Open free 50/30/20 budget calculator →Example · $80 bill
Tip20%
Tip $$16.00
Total$96.00
Tip Calculator
Estimate tip amount, total with tip, and an even bill split. Optional pretax tip base. Educational only—not tipping advice.
Open free tip calculator →Example · $3,000/mo expenses
Months6
Target$18,000
Shortfallsample
Emergency Fund Calculator
Estimate a target from monthly essential expenses and months of runway. Optional current savings for coverage and shortfall. Educational only—not a required plan.
Open free emergency fund calculator →Example · sample snapshot
Assets$150k
Liabilities$80k
Net worth$70k
Net Worth Calculator
Sum assets, sum liabilities, subtract for net worth—plus debt-to-asset ratio. Educational only—not wealth advice.
Open free net worth calculator →Example · $100 item
Off20%
Save$20.00
Sale$80.00
Percent Off Calculator
Calculate sale price and savings from a percent discount. Optional tax on the sale price and quantity. Educational only—not a store coupon.
Open free percent-off calculator →Example · $100k sales
Rate5%
Commission$5,000
Total paysample
Commission Calculator
Estimate sales commission from amount and rate. Optional base pay and draw. Educational only—not a payroll system.
Open free commission calculator →Example · $20/hr · 40×52
Hours/week40
Weeks/year52
Annual$41,600
Hourly to Salary Calculator
Convert hourly wage to annual, monthly, biweekly, and weekly gross pay. Optional OT hours. Educational only—not a job offer.
Open free hourly to salary calculator →Example · $100 pretax
Rate8%
Tax$8.00
Total$108.00
Sales Tax Calculator
Add tax to a pretax amount or reverse a total with tax. You type the rate—no live ZIP lookup. Educational only.
Open free sales tax calculator →Example · $80k income
DTI samples28% / 36%
Rate6.5%
Max priceestimate
Home Affordability Calculator
Estimate a sample maximum home price from gross income, sample DTI caps, rate, term, and down payment. Educational only—not a pre-approval.
Open free home affordability calculator →Learn more
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.