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Finance Calculators

Salary converters, compound interest, loan, investment return, overtime, and savings calculators to help you make smarter financial decisions.

These calculators cover the most common personal finance questions: how much you take home, what a loan will cost, and how your savings grow over time. Every result shows the formula and a breakdown of how the number was calculated.

12 calculators available

Which finance calculator do you need?

For pay-related questions, the paycheck calculator estimates take-home pay after federal and state taxes, FICA, and pre-tax deductions like 401(k) contributions. The salary converters translate between hourly, weekly, biweekly, monthly, and annual pay so you can compare job offers on the same basis.

For loans and debt, the mortgage calculator includes PMI, taxes, insurance, and extra payment scenarios. The debt payoff calculator compares snowball and avalanche methods across multiple debts. The compound interest calculator shows how regular contributions grow over time, with an optional inflation adjustment.

Common questions about finance calculations

How do I calculate my take-home pay from a salary?

Start with your gross pay per period, subtract federal income tax (based on your bracket and filing status), subtract FICA (7.65% for Social Security and Medicare), subtract any state income tax, and subtract pre-tax deductions. The paycheck calculator handles all of these steps and shows you each deduction line by line.

What is the difference between snowball and avalanche debt payoff?

Snowball pays off your smallest balance first for quicker wins. Avalanche targets the highest interest rate first to minimize total interest paid. Avalanche saves more money in most cases, but snowball can keep you motivated by eliminating individual debts faster. The debt payoff calculator shows both side by side so you can compare the total cost and timeline.

How does compound interest work?

Compound interest means you earn interest on your interest. If you invest $1,000 at 5% compounded annually, you earn $50 in year one. In year two, you earn 5% on $1,050, which is $52.50. Over 30 years, that $1,000 grows to $4,322 without any additional contributions. Adding monthly contributions accelerates the growth significantly.