MoneyCalcWorks Tools

Compare minimum monthly payments vs accelerated debt payoff strategies to eliminate credit card balances.

See exactly when a debt will be paid off. Enter your balance, APR, and monthly payment to get your payoff timeline, total interest, and debt-free date.

5 Q&A

Attack multiple debts with the snowball method. Enter up to 5 debts plus an extra monthly amount to see your payoff order, debt-free date, and interest saved.

5 Q&A

See exactly where your money goes each month and check your spending against the classic 50/30/20 budget rule.

5 Q&A

See how inflation erodes your money over time — what today's dollars will buy in the future, and what past dollars are worth today.

4 Q&A

Calculate gross profit, profit margin, and markup from revenue and cost — with a plain-English explanation of margin vs. markup.

4 Q&A

Price products from cost and markup, or work backward from a selling price to find the markup and margin.

4 Q&A

Compute simple (non-compounded) interest on savings, loans, or short-term notes in seconds.

5 Q&A

Convert a nominal APR into the true annual percentage yield (APY) for any compounding frequency.

5 Q&A

Compare two certificates of deposit side by side and see which one earns more by maturity.

5 Q&A

Forecast your investment growth with compound interest and recurring monthly contributions.

Measure the total and annualized return on any investment from its starting value, ending value, and added contributions.

5 Q&A

Discount a future lump sum or a stream of repeating payments back to today's dollars.

5 Q&A

Compute the compound annual growth rate between a beginning value and an ending value.

5 Q&A

Find a stock's dividend yield and estimate the annual income from the shares you own.

5 Q&A

Enter your holdings to see each one's share of your portfolio and your stocks, bonds, and cash mix.

5 Q&A

Compute your net profit or loss on a stock trade, including buy and sell commissions.

5 Q&A

See how regular fixed investments accumulate shares and what the position is worth.

5 Q&A

Calculate your monthly mortgage payment, total interest, and see a full amortization schedule.

Calculate monthly car payments factoring in trade-in equity, down payment, sales tax, and dealer fees.

Compare your current mortgage against a new loan to see monthly savings, the breakeven point, and lifetime interest difference.

5 Q&A

Estimate your maximum home equity line of credit from your LTV, plus interest-only draw payments and full repayment payments.

5 Q&A

Estimate buyer closing costs from home price and down payment, with a fee-by-fee breakdown and total cash to close.

5 Q&A

Estimate monthly private mortgage insurance from your loan amount, LTV, and credit tier — and see when PMI drops off.

5 Q&A

Compare the true 5-year cost of renting versus buying, including mortgage, taxes, insurance, maintenance, and appreciation.

5 Q&A

Estimate annual property tax from assessed value and millage rate or percent, with homestead exemptions and monthly escrow.

5 Q&A

See how extra monthly mortgage payments shorten your loan term and how much interest you save.

5 Q&A

Calculate regular payments on a balloon mortgage and the lump sum due at the end of the term.

5 Q&A

Work out the true cost of a personal loan. Enter the amount, APR, and term to see your monthly payment, total interest, and total cost.

5 Q&A

Compare student loan repayment plans side by side. See monthly payments and total interest for standard, graduated, and extended plans.

5 Q&A

Work backwards from your budget. Enter the monthly payment you can afford, plus rate and term, to find the maximum loan amount.

5 Q&A

Settle the lease-versus-buy debate with real numbers. Compare the true net cost of leasing vs buying a car over the lease term.

5 Q&A

Add up your assets and liabilities to get your net worth — the single clearest number in personal finance.

4 Q&A

Determine how much you need to save to retire comfortably using the 4% Safe Withdrawal rule.

Project your 401(k) balance at retirement from your current balance, annual contributions, employer match, and expected returns — with the employer match value shown separately.

5 Q&A

Compare Traditional vs Roth IRA growth: enter your annual contribution, years, and return to see the future value and what each is worth after taxes.

5 Q&A

Work backwards from your retirement goal: enter your target amount and timeline to find out exactly how much to save each month.

5 Q&A

Settle the Roth vs Traditional debate with math: enter your tax rates now and in retirement to see which account leaves you more after taxes.

5 Q&A

Find your FIRE number — 25 times your annual spending — and how many years of saving at your current rate it takes to get there.

5 Q&A

Estimate your monthly Social Security benefit from your Average Indexed Monthly Earnings (AIME) using the official 2026 SSA bend points.

5 Q&A

Estimate your defined-benefit pension: enter years of service, final average salary, and your plan's multiplier to get your annual and monthly payout.

5 Q&A

Find the monthly deposit needed to reach any savings goal, given your timeline, current savings, and account APY.

4 Q&A

See how close you are to a fully funded emergency fund and how many months your contributions need to finish it.

4 Q&A

Estimate your 2026 federal income tax from gross income and filing status — see tax owed, effective rate, and take-home pay.

5 Q&A

See exactly which 2026 federal tax brackets your income falls into, the tax charged in each bracket, and your marginal vs. effective rate.

5 Q&A

Estimate 2026 federal tax on investment gains. Compare short-term vs. long-term treatment with gains stacked on your other income.

5 Q&A

Add sales tax to any price. Enter your rate or pick a common example to see the tax amount and the out-the-door total.

4 Q&A

Estimate 2026 self-employment tax (15.3% on 92.35% of net earnings) plus income tax, with quarterly estimated payments.

5 Q&A

See what your bonus looks like after withholding: 22% federal supplemental rate, your state rate, and FICA.

4 Q&A

Calculate gross pay with overtime at 1.5× your hourly rate. Enter regular and OT hours for instant regular, overtime, and total pay.

4 Q&A

Turn gross pay per period into take-home pay: enter your federal and state withholding rates and get FICA, deductions, and net pay.

4 Q&A