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Which calculator do I need?
Money questions rarely arrive one at a time. Tell us what you are trying to do and where you are in the process, and we will point you to the calculators that answer your next question, in a sensible order.
1. What are you trying to do?
Buy a home
From "can I even afford this?" to closing day.
2. Where are you now?
I am just starting to think about it
First-Time Home Buyer Guide
The whole process in order, with what each step costs.
Open checklist Then, option 2Rent vs Buy Calculator
See whether buying beats renting for the number of years you would stay.
Open calculator Then, option 3House Affordability Calculator
See what price your income and debts support.
Open calculator Then, option 4Debt-to-Income Ratio Calculator
See your debt-to-income ratio the way a lender does.
Open calculator Then, option 5First-Time Homebuyer Checklist
A step-by-step order for everything, from credit to closing day.
Open checklistI am ready to look at homes
Home Price from Monthly Payment
Start from the monthly payment you are comfortable with and find the price.
Open calculator Then, option 2Mortgage Calculator
See the whole monthly payment, with tax, insurance and PMI.
Open calculator Then, option 3Closing Cost Calculator
Plan the cash you need on top of the down payment.
Open calculator Then, option 4Mortgage Comparison Calculator
Compare loan lengths, rates or down payments side by side.
Open calculator Then, option 5Questions to Ask a Mortgage Lender
Know what to ask before you call a lender.
Open checklist Then, option 6Mortgage Documents Checklist
Gather the paperwork before a lender asks for it.
Open checklistI have an offer or a loan quote
Compare Loan Offers Calculator
Put two or three Loan Estimates side by side and see which costs least for the years you will stay.
Open calculator Then, option 2Mortgage Calculator
Check the real monthly payment for the quote you were given.
Open calculator Then, option 3Closing Cost Calculator
Compare the fees on your Loan Estimate with a typical range.
Open calculator Then, option 4Mortgage Comparison Calculator
See which loan is cheaper, and the month it becomes cheaper.
Open calculator Then, option 5Debt-to-Income Ratio Calculator
Test the new payment against lender ratios before you commit.
Open calculator Then, option 6How to Read a Loan Estimate
Understand every line of the offer in front of you.
Open checklist Then, option 7Home Inspection Checklist
Know what to check and ask before you commit.
Open checklistI already own a home
Refinance, pay it off faster, or plan a move.
2. Where are you now?
I am thinking about refinancing
Refinance Break-Even Calculator
Find how many months it takes to earn back the closing costs.
Open calculator Then, option 2Compare Loan Offers Calculator
Compare refinance quotes from several lenders, points and credits included.
Open calculator Then, option 3Closing Cost Calculator
Estimate what the refinance will cost up front.
Open calculator Then, option 4Mortgage Calculator
See the new payment in full, with tax and insurance.
Open calculatorI want to pay it off faster
Mortgage Calculator
Add extra payments and see the interest and years you save.
Open calculator Then, option 2Mortgage Comparison Calculator
See the trade-off of a shorter loan.
Open calculator Then, option 3Loan Calculator
Work out extra payments on any other fixed-rate loan.
Open calculatorI might sell and buy again
Buy a car
Set a budget, check a deal, or deal with an old loan.
2. Where are you now?
I am setting a budget
I have found a car
Auto Loan Calculator
See the payment with sales tax, trade-in and fees, and the total cost.
Open calculator Then, option 2Compare Loan Offers Calculator
Compare a dealer loan with a bank or credit union offer, and see the lowest payment against the lowest cost.
Open calculator Then, option 3Loan Calculator
See the full schedule and what extra payments would save.
Open calculatorGet out of debt
Plan a way out and see what every extra dollar saves.
2. Where are you now?
I have several debts and want one plan
I have credit card debt
Credit Card Payoff Calculator
See when you will be debt-free and how much a small extra payment saves.
Open calculator Then, option 2Debt Payoff Calculator
Have more than one card? Plan them together.
Open calculator Then, option 3Debt-to-Income Ratio Calculator
See how much of your income your payments use.
Open calculatorI have loans to pay down
Understand my pay and taxes
What you really take home, and what a job offer is worth.
2. Where are you now?
I want to know my real take-home pay
I have a job offer
Hourly to Salary Calculator
Turn an hourly rate into a yearly salary, or the reverse.
Open calculator Then, option 2Pay Raise Calculator
See your new wage or salary after a raise, and what it adds each paycheck.
Open calculator Then, option 3Paycheck Calculator
See what the offer means after tax.
Open calculator Then, option 4Take-Home Pay by State
See how much of the same salary you keep in each state.
Open checklistI need to add up my hours or overtime
Time Card Calculator
Total a week of clock-in and clock-out times, with breaks and overtime.
Open calculator Then, option 2Overtime Calculator
See what overtime and double time add to a week of pay.
Open calculator Then, option 3Hours Calculator
Find the hours and minutes between two times, overnight shifts included.
Open calculator Then, option 4Time and a Half Calculator
Get the 1.5× and 2× rate for any hourly wage.
Open calculator Then, option 5Biweekly Timesheet Calculator
Total a two-week pay period, with overtime worked out for each week.
Open calculator Then, option 6Minutes to Decimal Converter
Turn hours and minutes into the decimal hours payroll needs.
Open calculator Then, option 7Time Duration Calculator
Find the time between two dates, or add and subtract days and hours.
Open calculator Then, option 8Military Time Converter
Switch between 24-hour military time and AM/PM.
Open calculatorSave and plan for retirement
See what regular saving can grow into.
2. Where are you now?
I am saving for something specific
I want to see my savings grow
I want to know if I will have enough to retire
My employer offers a 401(k)
Work for myself
Taxes, quarterly payments and pricing your time.
2. Where are you now?
I need to know what I owe
Prefer to browse? See every calculator, the checklists or the guides. Results are estimates for planning and education only, not financial, tax or legal advice.