Mortgage Calculator
Estimate your monthly mortgage payment, total interest paid, and see how your payments break down between principal and interest over the life of your loan.
Show formula
M = P × [r(1+r)^n] / [(1+r)^n - 1]
M = monthly payment, P = principal, r = monthly rate, n = number of payments
Home Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment. Uses standard lender qualification ratios.
Show qualification rules
Front-end ratio: Housing costs as % of gross monthly income
Back-end ratio: Total debts (housing + other) as % of gross monthly income
Conservative (25/33): Safer buffer, easier approval, less financial stress
Moderate (28/36): Standard conventional loan limits
Aggressive (31/43): FHA/VA loan limits, higher risk
Rent vs Buy Calculator
Should you rent or buy? Compare total wealth over 30 years, accounting for home appreciation, investment returns, and all the hidden costs of homeownership.
Renting
Buying
Show assumptions
Renter invests the down payment plus monthly savings (difference between 30-year mortgage costs and rent). Buyer builds home equity, and invests former mortgage payment after payoff. Both scenarios assume the same initial budget.
Retirement Savings Calculator
See how much you'll have at retirement based on your current savings and contributions. Includes estimated monthly income using the 4% safe withdrawal rule.
Show formula
FV = PV(1+r)^n + PMT × [(1+r)^n - 1] / r
Uses 4% safe withdrawal rate for monthly income estimate
Compound Interest Calculator
Visualize the power of compound interest. See how your initial investment and regular contributions grow over time with different interest rates and compounding frequencies.
Show formula
A = P(1 + r/n)^(nt) + PMT × [(1 + r/n)^(nt) - 1] / (r/n)
P = principal, r = annual rate, n = compounds per year, t = years
Salary to Hourly Converter
Quickly convert between annual salary and hourly rate. See your gross and after-tax pay with realistic federal brackets, state tax, and FICA.
Show tax breakdown
Federal Tax Brackets (2024 Single):
10% up to $11,600 | 12% to $47,150 | 22% to $100,525
24% to $191,950 | 32% to $243,725 | 35% to $609,350 | 37% above
FICA Taxes:
Social Security: 6.2% on first $168,600
Medicare: 1.45% on all income (+0.9% over $200k)
State Tax: Approximate effective rate shown. Actual rates vary by income level and deductions.
Loan Payoff Calculator
Find out how much time and interest you can save by making extra payments on your loan. Works for car loans, student loans, personal loans, or any fixed-rate debt.
Show formula
n = -log(1 - rB/P) / log(1 + r)
n = months, r = monthly rate, B = balance, P = payment
Net Worth Tracker
Get a clear picture of your financial health. Add up your assets and liabilities to calculate your net worth. Your data stays in your browser and is never sent anywhere.
Assets
Liabilities
SaaS MRR Calculator
Calculate your Monthly Recurring Revenue, Annual Recurring Revenue, customer lifetime value, and project growth over time.
Show formulas
MRR = Customers × ARPU
ARR = MRR × 12
Customer LTV = ARPU / Churn Rate
LTV:CAC Ratio = LTV / CAC (aim for 3:1 or higher)
Net Growth = New Customer Growth - Churn Rate
Currency Converter
Convert between major world currencies using approximate exchange rates. Rates are updated periodically and should be used for estimation only.
About exchange rates
Rates are approximate and for estimation purposes only. For actual transactions, check with your bank or financial institution. Rates shown are relative to USD.
Tip Calculator
Calculate the tip and split the bill evenly among your group.