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Financial Calculators

Use our free online calculators to easily estimate your loan payments, determine how long it will take to reach your savings goals, and compare which retirement strategy
is right for you.

Home Financing Calculators

Owning your home can help you build equity, but homeownership includes costs beyond your monthly mortgage payment, like maintenance and repairs. This calculator can help you decide whether buying or renting makes more sense for your personal financial situation.

Figure out how much house you can afford based on your current income and monthly expenses. Lenders typically recommend that your mortgage payment (including taxes and insurance) should be less than 30% of your total monthly gross income. If you have other debt obligations, like car loans or credit cards, you may qualify for less financing.

Paying more toward your principal each month can help you save a lot of money on interest over the life of your loan, and it can also reduce the total number of payments required to pay off your loan balance. Find out how much interest you can save, and how much faster you can own your home, by making additional payments.

Refinancing your mortgage could help you lower your payment or pay off your home faster. However, you’ll probably need to pay points, fees, and closing costs to refinance your loan. Use this calculator to determine if you could benefit from refinancing with a different rate or terms.

Personal Financing Calculators

Estimate your maximum purchase price based on how much you can spend on a car each month, including your loan payment and insurance. Making a larger down payment will typically result in a lower monthly payment, allowing you to increase your purchase price.

Estimate your monthly payment based on the loan amount, repayment term, and interest rate. This calculator can be used for a variety of fixed-rate loans, including personal loans, auto loans, and student loans.

Determine how long it will take to pay off your existing credit card debt based on your current interest rate. Keep in mind that continuing to make purchases with your credit card will increase your balance and extend the length of your repayment period.

Easily calculate your monthly lease payment based on the lease amount, rate, and term.

Savings Calculators

Whether you want to build your emergency fund or save for a down payment, you’ll need to consistently save part of your monthly income. Calculate how much money you need to set aside each month to reach your savings goal, and how long it will take.

If you’re planning to pay for your child’s college expenses in the future, the sooner you start saving, the better. Use this calculator to help you estimate how much you should save each month depending on your child’s current age.

Do you want to be a millionaire? Find out how much money you need to save each month in order to reach your goal.

Retirement Calculators

Retirement may seem like a long way off, but starting to invest early will help you benefit from the power of compound interest. Traditional IRAs allow you to make tax-deductible contributions and enjoy tax-deferred growth. On the other hand, Roth IRAs offer tax-free earnings, but contributions are not tax-deductible. There are income limits for Roth IRA eligibility, but you can contribute to a traditional IRA no matter how much money you earn. Currently, the IRS total combined annual contribution limit for both Roth and traditional IRAs is $6,000, or $7,000 if you’re age 50 or older.

Estimate how much your account will be worth based on how much you save each year and the number of years until retirement. With a traditional IRA, your contributions are tax-deductible, which can help you save on taxes now, but you’ll pay taxes when you withdraw the funds in retirement.

Estimate how much your account will be worth based on how much you save each year and the number of years until retirement. With a Roth IRA, you’ll pay taxes on your contributions now, but you’ll be able to withdraw your earnings tax-free in retirement.

This calculator can help you estimate how long your nest egg will last, based on your expected rate of return and how much you plan to withdraw each year.