ARM Mortgage Calculator
Compare the initial fixed-rate payment on a 5/1, 7/1, or 10/1 ARM with the worst-case fully-indexed payment after the fi...
Loans, investing, and the math behind everyday money decisions.
Run the numbers on mortgages, loans, credit cards, investments, and retirement — with transparent formulas and editable assumptions.
Compare the initial fixed-rate payment on a 5/1, 7/1, or 10/1 ARM with the worst-case fully-indexed payment after the fi...
Project the future value of a stock holding when dividends are automatically reinvested at the same yield, given startin...
Compute the compound annual growth rate (CAGR) — the smooth annual return that would take a starting amount to an ending...
Estimate the after-tax retirement balance of a Roth IRA given current balance, annual contributions, expected return, an...
Compute the 2024 federal income tax owed by a single (unmarried) filer with the given taxable income, using the publishe...
Estimate retirement balance at age 65 based on current savings, contributions, and expected return.
Compute the net present value of an investment from a series of cash flows and a chosen discount rate. Negative numbers...
Project your cumulative lifetime earnings from your current annual salary, an expected annual raise, and the number of y...
Estimate federal-style income tax using a simplified progressive bracket system, and see your effective rate alongside t...
Compute the employer match you earn on a 401(k) given your salary, your contribution percentage, and the match formula (...
Compute weekly gross pay including overtime pay above 40 hours/week (paid at 1.5× by default), and double-time hours abo...
Find the internal rate of return — the discount rate at which the net present value of a project equals zero.
Calculate what a bond is worth today by discounting its coupon payments and face value at the prevailing market yield.
Quickly work out sales tax on a purchase, or back out the tax from a tax-inclusive total.
Compute the self-employment tax (Social Security + Medicare, both halves) on net self-employment income, including the 9...
Split monthly take-home pay into needs, wants, and savings using the 50/30/20 rule.
Compare the after-tax future value of contributing the same amount to a Roth IRA (taxed today, tax-free at retirement) v...
Estimate the Required Minimum Distribution (RMD) you must withdraw from a tax-deferred retirement account this year usin...
Work out how much you need to save each month to reach a savings goal by a target date — assuming a steady interest rate...
Compute the cap rate of a rental — the unlevered annual return — by dividing net operating income by purchase price.
Convert a single pay rate (hourly, weekly, biweekly, monthly, or annual) into all the others, using the chosen number of...
Estimate typical closing costs for a home purchase as a percentage of the loan amount (commonly 2–5%), broken into a hig...
Estimate the tax owed on a capital gain from sale price, cost basis, and the applicable long- or short-term tax rate.
Compute the monthly escrow contribution your lender adds to your mortgage payment for property taxes and homeowners insu...