Calculators

43 free calculators for compounding, saving, investing and paying off debt. All results update as you type.

Compounding

The core calculators. Watch money grow on itself.

• Compound Interest CalculatorWork out how much your money grows with compound interest. Enter a starting amount, monthly deposits, a rate and a time frame.
• Daily Compound Interest CalculatorCalculate growth with interest compounded every day. See the effective APY and your balance year by year.
• Monthly Compound Interest CalculatorSee how savings grow when interest compounds monthly. Add a monthly deposit and watch the balance build.
• Compound Investment Return CalculatorProject the value of an investment with monthly contributions and compounding returns. Includes an inflation adjusted result.
• Rule of 72 CalculatorFind out how long it takes money to double at any rate. Compare the Rule of 72 shortcut with the exact answer.
• Reverse Compound Interest CalculatorStart from a target and work backwards. Find the return, the time or the monthly deposit you need to hit it.
• Simple vs Compound Interest CalculatorCompare simple and compound interest side by side. See how the gap widens year after year.
• APY vs APR CalculatorConvert between APR and APY for any compounding frequency. Understand what the two rates really mean.
• Continuous Compounding CalculatorCalculate growth with continuous compounding and compare it with daily, monthly and yearly compounding.
• Inflation CalculatorSee what today's dollars will be worth in the future and how much prices will rise at a given inflation rate.

Investing and Retirement

Long term growth, accounts and fees.

• Return On Investment CalculatorCalculate ROI from what you paid and what you got back. Add the holding period to see the annualized return.
• CAGR CalculatorCalculate the compound annual growth rate between a starting and ending value over any number of years.
• Real Rate of Return CalculatorStrip inflation out of an investment return to see the real growth in buying power.
• 401(k) CalculatorProject your 401(k) balance at retirement with employer matching, salary growth and investment returns.
• Roth IRA CalculatorProject a Roth IRA balance at retirement and compare it with the same savings in a taxable account.
• Traditional IRA CalculatorProject a traditional IRA balance, the tax saved on contributions today and the after tax value at retirement.
• Dividend Reinvestment (DRIP) CalculatorSee how reinvesting dividends compounds your share count and portfolio value compared with taking the cash.
• Dollar Cost Averaging CalculatorCompare investing a lump sum at once with spreading it over several months.
• Investment Fee CalculatorSee how annual fees compound against you. Compare two expense ratios over any period.
• Retirement Savings CalculatorProject your retirement nest egg and the yearly income it could provide. Adjusts for inflation.
• Safe Withdrawal Rate CalculatorTest whether a portfolio can support a withdrawal rate for a set number of years, with withdrawals rising with inflation.
• 529 College Savings CalculatorProject 529 savings against the rising cost of four years of college and find the monthly saving that closes the gap.
• HSA Growth CalculatorProject a health savings account used as a long term investment, including the tax saved on contributions.
• Net Worth Growth CalculatorProject your net worth over time from savings and investment returns. Find out when you could reach $1,000,000.

Savings

Deposit accounts, CDs and goals.

• Savings Account Interest CalculatorEstimate the interest a savings account will pay. Uses the APY your bank quotes and supports monthly deposits.
• CD CalculatorCalculate the interest and maturity value of a certificate of deposit from its APY and term.
• CD Ladder CalculatorBuild a CD ladder with up to five rungs. See the interest from each CD and the money freed up every year.
• High Yield Savings CalculatorCompare a high yield savings account with a regular one. See the extra interest over time.
• Emergency Fund CalculatorWork out how big your emergency fund should be and how long it will take to build.
• Savings Goal CalculatorFind the monthly amount you need to save to reach a goal by a set date, with interest helping along the way.

Debt and Loans

Compounding in reverse. Pay less interest.

• Credit Card Interest and Payoff CalculatorFind out how long it takes to pay off a credit card and how much interest you will pay. Test the effect of paying extra.
• Loan Interest CalculatorCalculate the monthly payment and total interest on a personal loan or any fixed rate loan.
• Mortgage Interest and Payoff CalculatorCalculate your mortgage payment, total interest and payoff date. See how an extra monthly payment shortens the loan.
• Interest Only Mortgage CalculatorSee the payment during an interest only period, the jump when repayment starts, and the extra interest compared with a standard mortgage.
• Car Loan Interest and Payoff CalculatorCalculate your car payment including sales tax and fees. See total interest and how extra payments shorten the loan.
• Home Equity Line of Credit CalculatorEstimate HELOC payments during the draw period and the repayment period, plus total interest.
• Debt Snowball vs Avalanche CalculatorCompare the two main debt payoff methods on your own debts. See which is faster and which saves more interest.
• Student Loan Interest and Payoff CalculatorCalculate your student loan payment and total interest. See what paying a little extra each month saves.
• Mortgage Refinance CalculatorSee whether refinancing saves money. Compare monthly payments, find the break even point and the lifetime difference.
• Extra Mortgage Payment CalculatorSee how much interest and time you save by paying extra on your mortgage each month or as a lump sum.
• Amortization Schedule CalculatorGenerate a full month by month amortization schedule for any loan, with a year by year summary.
• Debt to Income Ratio CalculatorCalculate your debt to income ratio the way lenders do, and see how much room you have under common limits.
• Minimum Payment CalculatorSee how long a credit card takes to clear paying only the minimum, and what fixing the payment saves.

Reference tables

Prefer to look numbers up? These pages have them ready made.

• Compound growth tablesWhat $1,000 to $100,000 becomes at 2% to 12% over 5 to 40 years.
• Doubling time tablesHow long money takes to double at every rate from 1% to 15%.
• All reference tablesHistorical returns, compound interest factors and more.