Finance tools
Loans, mortgages, interest and pay.
Money decisions are mostly arithmetic, but the arithmetic is fiddly, the formulas are easy to misremember, and a small error compounds into a large one over a 30-year loan. These calculators use the same standard formulas banks and payroll departments use, and each page explains the formula with a worked example so you can sanity-check the result rather than simply trust it.
Start with the paycheck calculator to see what a salary actually pays after 2026 federal, state and FICA taxes; use the mortgage and loan calculators to see the true cost of borrowing and what extra payments save; and the compound interest calculator to watch the same mathematics work in your favour. The invoice generator turns the numbers into a client-ready PDF with no account and no watermark.
Estimate your monthly mortgage payment with taxes, insurance, PMI and HOA, see the full amortization schedule, and find out how much extra payments save.
Work out the monthly payment, total interest and payoff date for any personal, student or business loan, and see how extra payments shorten it.
Estimate your take-home pay after federal, state and FICA taxes for any US state, salary or hourly, with 2026 tax brackets and pre-tax deductions.
Estimate your monthly car payment including sales tax, trade-in, down payment and fees, and compare 36- to 84-month terms side by side.
See how savings or investments grow with compound interest and regular contributions, with a year-by-year chart and APY.
Convert an hourly wage to annual salary or a salary to hourly pay, with weekly, bi-weekly and monthly breakdowns for any schedule.
Find what percent one number is of another, calculate X% of a number, percentage increase or decrease, and the price after a discount.
Create a professional PDF invoice in a minute — line items, tax, discounts, any currency. No account, no watermark, and your data stays in your browser.