Money, worked out properly

Mortgages, loans, savings, retirement and debt โ€” 85 calculators that show their working: the formula, the conventions, and the figure. In your currency, on a page that respects you.

Most used

The calculators our visitors reach for first.

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Mortgage Calculator

The full monthly cost of a home โ€” P&I, taxes, insurance and HOA, with a balance chart.

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Mortgage Payment Calculator

Payment broken into P&I, PMI, taxes and insurance, line by line.

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Amortization Calculator

Year-by-year balance and interest schedule for any loan, extra payments included.

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House Affordability Calculator

The most house your income supports on the lenders' 28/36 rule.

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Loan Calculator

Monthly payment, total interest and a balance chart for any loan.

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Auto Loan Calculator

Payment with sales tax, down payment and trade-in, plus the car's true total cost.

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APR Calculator

The true APR once withheld fees are counted, by the Reg Z actuarial method.

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Credit Card Payoff Calculator

Cycles to debt-free and total interest, on the issuers' daily-balance model.

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Compound Interest Calculator

Starting sum plus contributions, compounded your way, with a growth chart.

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APY Calculator

Nominal rate in, effective APY/AER out โ€” the fair comparison number.

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Savings Calculator

Deposits plus APY over the years, contributions and interest separated.

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Retirement Calculator

Portfolio at retirement, and roughly how many years of spending it funds.

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401(k) Calculator

Balance with salary growth and a two-tier employer match, timing printed.

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Investment Calculator

Ending value of regular investing, split into your money and growth's money.

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Debt Payoff Calculator

Snowball vs avalanche simulated on your debts: orders, months, interest.

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Rental Property Calculator

Cash flow, NOI, cap rate and cash-on-cash for a rental deal.

Mortgage & Home

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Mortgage Calculator

The full monthly cost of a home โ€” P&I, taxes, insurance and HOA, with a balance chart.

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Mortgage Payment Calculator

Payment broken into P&I, PMI, taxes and insurance, line by line.

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PITI Calculator

Principal, interest, taxes and insurance in one monthly figure, escrow included.

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Amortization Calculator

Year-by-year balance and interest schedule for any loan, extra payments included.

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Mortgage Payoff Calculator

New payoff date and interest saved from an extra monthly payment.

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House Affordability Calculator

The most house your income supports on the lenders' 28/36 rule.

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Down Payment Calculator

Down payment, loan amount, closing costs and total cash needed.

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Refinance Calculator

New payment, monthly saving and the break-even month on closing costs.

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Rent vs Buy Calculator

Net cost of renting vs buying over your real stay, equity counted honestly.

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FHA Loan Calculator

FHA payment with the upfront premium and monthly MIP included.

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VA Loan Calculator

VA payment with the funding fee financed in, and no monthly insurance.

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Biweekly Mortgage Calculator

Years cut and interest saved by paying half-monthly every two weeks.

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Mortgage Points Calculator

What points cost, what they save monthly, and the break-even month.

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ARM Calculator

Starter payment, expected adjusted payment, and the worst case at the cap.

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Interest-Only Mortgage Calculator

Interest-only vs repayment payments, the jump between them, and the extra interest.

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HELOC Calculator

Interest-only draw payment and the amortizing payment that follows it.

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15 vs 30 Year Mortgage Calculator

Both payments, the interest saved, and the investing-the-difference answer.

Loans & Credit Cards

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Loan Calculator

Monthly payment, total interest and a balance chart for any loan.

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Personal Loan Calculator

Payment, total cost and the effective APR after the origination fee.

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Auto Loan Calculator

Payment with sales tax, down payment and trade-in, plus the car's true total cost.

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Student Loan Calculator

Standard payment, total interest, and the saving from paying extra.

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Business Loan Calculator

Payment and total cost, with fees folded into an effective APR.

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Loan Payoff Calculator

Debt-free date and interest saved by paying more than the minimum plan.

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Loan Comparison Calculator

Two offers compared on total cost โ€” payments plus fees, all in.

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APR Calculator

The true APR once withheld fees are counted, by the Reg Z actuarial method.

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EMI Calculator

Fixed monthly EMI and total interest for any loan and tenure.

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Interest-Only Loan Calculator

Interest-only payment now, amortizing payment later, and total interest.

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Balloon Loan Calculator

Monthly payment on the long schedule, and the balloon balance due early.

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Car Lease Calculator

Lease payment split into depreciation and finance charge; money factor as APR.

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Credit Card Payoff Calculator

Cycles to debt-free and total interest, on the issuers' daily-balance model.

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Credit Card Interest Calculator

Interest per day and per cycle on your balance at your APR.

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Credit Card Payment Calculator

The exact monthly payment that clears the card by your target month.

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Balance Transfer Calculator

Staying vs transferring, with the fee and the post-promo rate counted.

Interest & Savings

Retirement & Investing

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Retirement Calculator

Portfolio at retirement, and roughly how many years of spending it funds.

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401(k) Calculator

Balance with salary growth and a two-tier employer match, timing printed.

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Roth IRA Calculator

Tax-free Roth growth projected, contributions and growth separated.

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Traditional IRA Calculator

Pre-tax balance, the tax on withdrawal, and your true after-tax value.

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Roth Conversion Calculator

Convert-vs-leave compared at today's and retirement's tax rates.

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Pension Calculator

Annual and monthly pension from salary, service years and the multiplier.

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RMD Calculator

Required minimum distribution from the IRS 2022 Uniform Lifetime Table.

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Investment Calculator

Ending value of regular investing, split into your money and growth's money.

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ROI Calculator

ROI percentage, money multiple, and the annualized return beside it.

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CAGR Calculator

The constant yearly growth rate between any start and end value.

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Stock Profit Calculator

Profit or loss on a trade, commissions counted, with the return percentage.

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Bond Calculator

Bond price from its yield, with current yield and premium/discount shown.

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Dividend Calculator

Dividend income projected with growth, with and without reinvestment.

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Inflation Calculator

Future cost and shrunken purchasing power at your own inflation rate.

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Millionaire Calculator

Time to a million (or your goal) from savings, monthly adds and return.

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529 College Savings Calculator

Projected 529 savings against your college cost goal, gap included.

Debt & Budget

Real Estate Investing

Business & Everyday

No calculator matches that search. Try "mortgage", "loan" or "interest".

Why every page shows its working

Most calculators hand you a number and ask for trust. Every calculator here prints its method instead: the formula, the conventions it uses (payments at period end, nominal rates divided by their compounding periods, balances simulated month by month where a formula would fudge), and a worked example you can check with a pencil. When a model is a simplification โ€” a credit card's daily interest, a retirement projection โ€” the page says so in words, next to the result, not in a footnote graveyard.

Your currency, your spelling

Money maths does not change with the flag, so neither do these calculators: pick $, ยฃ, โ‚ฌ, A$, C$ or โ‚น in the header and every label and result follows. Spelling follows the same setting โ€” amortization becomes amortisation when the pound is selected.

Built by the CalcPrincipal team

CalcPrincipal is made by a small independent team and published under the site's name. Every figure is computed in your browser: we never receive or store the numbers you enter. Found a figure you believe is wrong? The method notes make it easy to point at the exact line โ€” write to us from the contact page. Correcting a number in the open is the whole idea of this site.