CalcChef tool collection
Finance Tools
Explore common money decisions with clear calculations for borrowing, saving, income, and day-to-day costs.
Start with these tools
Mortgage Calculator
Monthly principal-and-interest payment on a fixed-rate mortgage from the loan amount, or home price and down payment, plus the total paid and total interest.
Loan Calculator
Work out a monthly loan payment, or solve for the amount, rate or term from the payment, with total interest and a year-by-year amortization schedule.
Compound Interest Calculator
Compound interest calculator for a starting balance plus monthly deposits. Set the rate, years and compounding frequency to see the balance and interest earned.
Investment Calculator
See what a starting amount plus monthly deposits grows to at a fixed annual return, compounded monthly, with the balance, gain and deposits for every year.
Paycheck Calculator
Estimate take-home pay per paycheck from salary or hourly pay, pay frequency and filing status, after federal income tax, FICA and the state rate you enter.
US Federal Income Tax Calculator
Estimate US federal income tax on wages for 2024, 2025 or 2026: enter gross income and filing status to see the tax and your effective and marginal rates.
All Finance Tools
86 free browser-based tools
401k Calculator
Project a 401(k) balance at retirement from your salary, yearly contribution and raise, employer match (rate and share of salary), balance, return and years.
Annuity Calculator
Annuity payout from a lump sum or growth from regular deposits, paid monthly to daily, solving for the payment, lump sum, rate or how long it lasts.
APR Calculator
APR calculator for a fixed-rate loan: enter the amount, interest rate, term and fees to get the APR with fees, the monthly payment and the total cost.
APY Calculator
Annual percentage yield from a nominal rate and compounding frequency, plus the interest and ending balance for your deposit and term. 5% monthly is 5.116%.
Auto Loan & Car Payment Calculator
Monthly car payment, total interest and total cost from price, down payment, trade-in, sales tax, rate and term. Fees, registration and insurance are left out.
Break-Even Volume Calculator
Enter fixed costs, price and variable cost per unit to get the break-even point in units and revenue, plus the contribution margin and its ratio.
Cap Rate Calculator
Cap rate from net operating income and property value (NOI ÷ value), plus what the same NOI is worth at 4%, 6%, 8% and 10% cap rates.
Capital Gains Tax Calculator
Federal tax on one stock or asset sale for 2026: short-term gain as ordinary income, long-term at 0%, 15% or 20%, by filing status and other income.
Car Lease vs. Buy Calculator
Total cost of buying with a loan versus leasing a car over one period: down payment, loan, tax, upkeep and resale value against lease payments and fees.
CD Calculator
CD calculator: enter the deposit, APY or interest rate and term to get the balance at maturity, the interest earned and what an early withdrawal leaves.
CD Ladder Builder
Split a deposit across 2 to 10 CDs with their own terms and APYs. Shows each rung's value at maturity, the blended APY and average monthly interest.
Commercial Loan Calculator
Commercial loan payment when the amortization is longer than the term: payment, balloon due at the end, total interest, fees and APR with fees.
Compound Interest Calculator
Compound interest calculator for a starting balance plus monthly deposits. Set the rate, years and compounding frequency to see the balance and interest earned.
Credit Card Payoff Calculator
Months to pay off a credit card at a fixed monthly payment, or the payment that clears it in a set number of months, with total interest and total paid.
Credit Card Reward Optimizer Calculator
Enter your cards' cashback or points rates, annual fees and monthly spending by category: see the best card for each category and which cards earn their fee.
Credit Card Validator
Credit card validator: checks the number’s length for its network (Visa, Mastercard, Amex), then the Luhn check digit. It cannot tell if a card exists.
Credit Score Simulator
Model a 300 to 850 credit score from utilization, payment history, credit age, account mix and inquiries, then try what-if changes. Not a FICO score.
Cryptocurrency Profit/Loss Calculator
Enter what you paid, the current or sell price, quantity and fees for up to 50 coins to see each holding’s profit or loss and the portfolio total.
Currency Converter
Convert USD to EUR, GBP to JPY or any pair of 160+ currencies at reference rates published once a day, with the date of the rates. Not a bank quote.
Customer Acquisition Cost (CAC) Calculator
Customer acquisition cost: total marketing spend divided by customers won, plus an optional LTV:CAC ratio and a spend split by channel.
Debt Avalanche vs Snowball Calculator
Debt avalanche vs snowball: compare total interest, months to payoff and payoff order on your own balances, APRs and minimum payments.
Discount Calculator
Discount calculator: sale price after a percent or amount off, the percent off between two prices, or the original price. A second discount can stack on top.
Dividend Calculator
Dividend calculator: shares, price and dividend per share give yield, yearly and monthly income, and with DRIP a year-by-year table against taking the cash.
Emergency Fund Calculator
Emergency fund calculator: monthly essentials times 1 to 24 months gives the goal; add your savings and income for the shortfall, runway and months to goal.
Estate Probate Fee Estimator
Estimate probate fees for the UK, Canada and Australia, or estate tax for the US, from the estate value. Approximate, with the official page linked.
EU261 Flight Compensation Calculator
EU261 compensation for a delay of 3 hours or more, a late cancellation or denied boarding: €250, €400 or €600 by distance, halved after some reroutings.
FHA Loan Calculator
FHA loan payment from price, down payment, rate and term: principal and interest plus the annual MIP from HUD’s table and the 1.75% upfront MIP.
Freelance Hourly Rate Calculator
Freelance hourly rate: the revenue to bill so your target salary is left after tax and overhead, shown per hour and per week.
Freelancer Tax Estimator
Estimate US freelancer taxes: self-employment tax, 2026 federal income tax and a flat state rate, per quarter or year. No QBI deduction.
HELOC Calculator
HELOC (home equity line of credit) limit from home value, mortgage and the lender’s CLTV limit, plus the interest-only payment on your draw.
Home Equity Loan Calculator
Home equity loan payment: monthly principal and interest and total interest for a fixed rate and term, plus how much you can borrow at 80% or 85% CLTV.
Hourly to Salary Calculator
Hourly to salary calculator: turn an hourly wage into annual, monthly, bi-weekly, weekly and daily pay from hours per week, paid weeks and unpaid days.
Inflation Calculator
See what an amount will cost in the future at an inflation rate you assume, and what it will buy in today’s money. No historical or CPI data: you set the rate.
Inflation-Adjusted Salary Calculator
Enter a salary, the year it was paid and a year to compare (1970 on) to get its US CPI-U equivalent, then see whether your pay or an offer keeps up.
Interest Only Loan Calculator
Interest-only loan: the payment during the interest-only years, the higher payment after, the jump and total interest against a standard loan.
Inventory Turnover Ratio Calculator
Inventory turnover = cost of goods sold ÷ average inventory. Get the ratio and days sales of inventory for a year, half-year, quarter or month.
Investment Calculator
See what a starting amount plus monthly deposits grows to at a fixed annual return, compounded monthly, with the balance, gain and deposits for every year.
Invoice Generator
Build a printable invoice in USD or any currency code, with up to 50 line items, a discount, shipping and one tax rate. Print it or save a PNG or PDF.
Invoice Late Fee Calculator
Late fee on an overdue invoice by the day, by the month or once, with an optional grace period and cap, the days late and the total now due.
Land Loan Calculator
Land loan payment from price, down payment, rate and term, with an optional balloon: monthly payment, total interest and the balance due.
Landing Page ROI Calculator
Landing page ROI from design, build, ad and tool costs, visitors, conversion rate and order value over 1 to 60 months, with payback and the LTV:CAC ratio.
LED vs Incandescent Savings Calculator
LED vs incandescent cost from wattage, hours a day and electricity rate, counting replacement bulbs by rated life, with payback and CO₂ from EPA eGRID.
Loan Calculator
Work out a monthly loan payment, or solve for the amount, rate or term from the payment, with total interest and a year-by-year amortization schedule.
Markup Calculator
Markup, sale price, profit and gross margin from a cost plus a markup %, a sale price or a profit. A 50% markup on $50 sells for $75.00 (33.33% margin).
Mortgage Amortization Schedule Calculator
Mortgage amortization schedule for a fixed-rate loan: interest, principal and balance each month, with an optional extra payment and yearly totals.
Mortgage Calculator
Monthly principal-and-interest payment on a fixed-rate mortgage from the loan amount, or home price and down payment, plus the total paid and total interest.
Mortgage Payoff Calculator
Mortgage payoff with extra payments: enter your balance, rate, years left and an extra monthly amount to see the interest saved, time saved and new payoff time.
Moving Cost Estimator
Itemized moving cost estimate from example rates you can edit, compared across full-service movers, hybrid, a portable container and a DIY rental truck.
Net Rental Yield Calculator
Net rental yield from property value, rent, vacancy, maintenance, management and property tax. $300,000 at $2,000 a month nets 4.99%, 8.00% gross.
Net Worth Calculator
Net worth is total assets minus total liabilities. List what you own and what you owe to see both totals and your net worth today, one snapshot.
NPV Calculator
Net present value and IRR from an initial investment, a discount rate and yearly cash flows. $10,000 out and $3,000, $4,000, $5,000 back at 10% is -$210.37.
Overtime and Holiday Pay Calculator
Overtime and holiday pay from regular, overtime, double-time and holiday hours, with a bonus counted in the overtime rate, per pay period and per year.
Overtime Calculator
Gross pay from an hourly rate and regular, time-and-a-half and double-time hours. $25 an hour, 40 regular and 10 overtime hours, pays $1,375.00.
Parlay Calculator
Combine 1 to 20 legs in American, decimal, fractional or implied-probability odds into one parlay price: total payout, profit and combined odds.
Paycheck Calculator
Estimate take-home pay per paycheck from salary or hourly pay, pay frequency and filing status, after federal income tax, FICA and the state rate you enter.
Profit Margin Calculator
Margin calculator: gross, operating and net margin, markup and profit from cost and price, or the selling price for a target margin or markup.
Property Tax Proration Calculator
Prorate property tax at closing: enter the annual tax, the closing date and whether it is paid in arrears or in advance to see who credits whom, and how much.
Refinance Calculator
Compare your current mortgage with a new rate and term: the change in the monthly payment, the break-even month on closing costs and the interest on each loan.
Retirement Calculator
Project retirement savings from your age, balance, monthly saving and return, and compare them in today’s dollars with the 4% rule and what lasts to age 90.
RMD Calculator
Required minimum distribution (RMD) for an IRA or 401(k): the prior December 31 balance ÷ the IRS Uniform Lifetime Table factor. $500,000 at 73 is $18,867.92.
ROI Calculator
Enter what you invested and what you got back to get ROI as a percentage and the profit or loss. Add the years held to see the annualized return (CAGR).
Roth IRA Calculator
Roth IRA contribution limit for 2026: $7,500, or $8,600 at 50 or older. Check yours against the income phase-out and project the balance at retirement.
Rule of 72 Calculator
Rule of 72: years to double your money at a yearly rate (72 ÷ rate), the exact time and the rules of 70 and 69.3, or the rate that doubles it in a set time.
RV/Boat Loan Calculator
RV and boat loan calculator: monthly payment, total interest and total cost from price, down payment, trade-in, sales tax, interest rate and term.
Salary Converter
Enter one pay figure and your weekly hours to see it as hourly, daily, weekly, bi-weekly, monthly and yearly gross pay on a 52-week year.
Salary to Hourly Converter
Salary to hourly converter: annual salary over hours per week times weeks per year, with monthly, weekly and daily pay and unpaid days off.
Sales Tax Reverse Calculator
Enter the total you paid and the sales tax rate to get the price before tax and the tax inside it, worked out as total ÷ (1 + rate).
Savings Goal Calculator
Savings goal calculator: the monthly deposit that reaches a target in a set number of months, or the months a set deposit takes, compounded monthly.
Savings Goal Priority Calculator
Rank up to 50 savings goals by priority, deadline and monthly shortfall. See which are on track and the extra amount each goal needs a month.
SIP Calculator
SIP (systematic investment plan) calculator: the maturity value of a monthly amount at an expected return, or the monthly SIP needed to reach a goal.
Social Security Calculator
A rough estimate of your monthly Social Security retirement benefit at 62, full retirement age and 70, from birth year and average earnings.
Statutory Interest Calculator
Interest on a late invoice or judgment: UK late payment at base rate + 8%, the UK 8% judgment rate, or an ECB, US federal or custom rate, simple or compounded.
Stock Average Down Calculator
Average cost per share across several purchases of one stock, the new average after buying more, and the gain or loss at a current price you enter.
Subscription Cost Calculator
List subscriptions billed weekly, monthly, quarterly, yearly or once to get their annual cost, monthly and weekly averages and a total per category.
Tax Bracket Estimator
Federal tax bracket estimator for 2024, 2025 and 2026: enter taxable income and filing status to get tax, effective rate and marginal rate.
Tax Refund Estimator
Federal tax refund or amount owed for tax year 2024, 2025 or 2026 from wages, withholding, filing status, deductions and credits, using IRS brackets.
Time Card Calculator
Time card calculator: hours and gross pay from clock-in, clock-out and unpaid break for each day, with optional weekly or daily overtime.
Tip Per Person Calculator
Split a bill, its tax and the tip between diners, tipping before or after tax, by percentage or in dollars, with each tip rounded up if you like.
Trademark Fee Estimator
USPTO trademark fees at $350 per class with the 2025 surcharges, intent-to-use and renewal costs, plus EUIPO, UKIPO and CIPO filing fees.
Unit Price Compare Calculator
Unit price comparison: enter two prices and sizes to get each price per ounce, milliliter or item and see which is the better value.
US Federal Income Tax Calculator
Estimate US federal income tax on wages for 2024, 2025 or 2026: enter gross income and filing status to see the tax and your effective and marginal rates.
VA Disability Calculator
Combine VA disability ratings as 38 CFR 4.25 does, with the bilateral factor, and see the 2026 monthly pay alone or with a spouse, children and parents.
VAT Calculator
VAT calculator: add VAT to a net price or take it out of a gross price at any rate, with net, VAT and gross to the cent. The same sums work for GST and HST.
Vehicle Depreciation Calculator
Enter a vehicle price, a residual percent or an annual rate, and years to see its value, total loss and yearly depreciation schedule.
Wedding Budget Splitter
Split a wedding budget between two sides by percent, see the cost per guest, and plan nine categories from a template or your own quotes.
Weighted Average Calculator
Enter up to 100 values and their weights to get the weighted average and each row’s share and contribution. Weights need not total 100.