Tools
Choose the calculator for the decision in front of you.
Estimate investment growth, future costs, savings contributions, debt tradeoffs, promotional card offers, and mortgage costs using the numbers that apply to you.
Savings and Growth
Estimate returns, future costs, fee drag, contributions, savings goals, and how long a balance may support recurring withdrawals.
Compound Annual Growth Rate (CAGR) Calculator
Calculate compound annual growth rate and total investment return.
Compound Interest Calculator
Estimate how a starting balance and monthly contributions can grow over time.
Rule of 72 Calculator
Estimate how long an investment may take to double or the annual return needed to reach a doubling goal.
Inflation Calculator
Estimate how inflation may affect future prices and the purchasing power of money over time.
Investment Fee Calculator
Estimate how annual investment fees may reduce long-term portfolio growth by comparing balances with and without fees.
Savings Goal Calculator
Estimate the monthly contribution needed to reach a future savings goal based on current savings, time, and expected investment return.
How Long Will My Savings Last? Calculator
Estimate how long a savings balance may support recurring withdrawals, including an optional return, annual withdrawal changes, and a target-duration comparison.
Emergency Fund Calculator
Calculate an emergency-fund target from essential monthly expenses, estimate when the current savings plan may reach it, and find the contribution needed for a deadline.
Debt and Credit
Compare debt payoff order, liquidity, debt-to-income ratio, payoff timing, and promotional credit-card offers using the terms that apply to you.
Pay Off Debt or Keep Cash Calculator
Compare paying down debt with keeping cash in savings, including interest avoided, after-tax savings interest, payoff timing, liquidity, and an optional investment scenario.
Credit Card Payoff Calculator
Estimate a credit-card payoff date and interest from a fixed monthly payment, compare an extra payment, or calculate the payment needed for a target payoff period.
Balance Transfer Calculator
Compare keeping a credit-card balance with moving it to a promotional balance-transfer offer, including the fee, promotional deadline, payoff timing, and estimated savings.
Debt Payoff Strategy Calculator
Compare debt avalanche and debt snowball payoff plans using the same monthly budget, including payoff timing, total interest, first payoff, and payment rollover.
Debt-to-Income Ratio Calculator
Calculate total debt-to-income ratio, housing share of gross income, monthly debt obligations, and the gross-income amount left after entered debts.
Home and Mortgage
Compare extra principal, recasting, escrow changes, home-repair reserves, home-equity borrowing, refinancing, mortgage points, private mortgage insurance removal, loan-to-value, equity, investing tradeoffs, payment changes, remaining interest, and mortgage payoff timing.
Mortgage Extra Payment Calculator
Estimate how monthly extra principal, annual extra payments, and a one-time lump sum may change mortgage interest and payoff timing.
Mortgage Recast Calculator
Estimate a mortgage payment after a lump-sum principal payment and compare recasting with keeping the current payment to pay the loan off sooner.
Mortgage Escrow Shortage Calculator
Break a mortgage payment increase into the ongoing escrow change and temporary escrow-shortage repayment, including a voluntary lump-sum comparison when the servicer accepts one.
How Much Should You Save for Home Repairs? Calculator
Estimate a monthly home-repair reserve from routine maintenance and major repairs or replacements, then compare the plan with a broad home-value rule of thumb.
Mortgage Refinance Break-Even Calculator
Compare a current fixed-rate mortgage with a refinance using payment savings, closing costs, remaining balances, holding periods, and lifetime cost.
Mortgage Payoff vs. Invest Calculator
Compare extra mortgage principal with investing the same monthly cash flow using mortgage interest, expected investment return, fees, and a chosen time horizon.
Mortgage Points Break-Even Calculator
Compare a zero-point mortgage with a lower-rate option that charges discount points, including payment savings, break-even timing, holding-period cost, and lifetime interest.
Loan-to-Value (LTV) Calculator
Calculate mortgage loan-to-value ratio, combined loan-to-value, home-equity combined loan-to-value, and estimated equity from the property and loan amounts you enter.
Home Equity Line of Credit vs. Home Equity Loan vs. Cash-Out Refinance Calculator
Compare a home equity line of credit, home equity loan, and cash-out refinance using current mortgage terms, borrowing costs, payments, fees, and a selected comparison period.
Is It Worth Paying for an Appraisal to Remove Private Mortgage Insurance (PMI)?
Compare private mortgage insurance cost, original-value and current-value loan-to-value ratios, valuation fees, principal paydown, and appraisal break-even.