Mortgage Calculator
Estimate monthly mortgage payment from principal, rate, and term.
US Finance
US Finance Calculators
Estimate payments, savings, taxes, and affordability with transparent assumptions.
US-focused calculators for loans, taxes, savings, retirement, and household budgeting estimates.
Tools in this category
Mortgage Payment Calculator with Taxes & Insurance
Estimate full monthly housing payment including taxes and insurance.
Home Affordability Calculator
Estimate affordable home price from income, debt, and down payment.
Refinance Calculator
Compare refinance scenarios with break-even timing.
Rent vs Buy Calculator
Compare estimated long-term costs of renting and buying.
Down Payment Calculator
Calculate down payment amount and financed balance.
PMI Calculator
Estimate monthly private mortgage insurance cost.
Amortization Calculator
Estimate amortized monthly payments and total interest.
Extra Payment Mortgage Calculator
Estimate timeline and interest impact of extra mortgage payments.
Auto Loan Calculator
Estimate monthly payment for fixed-rate auto loans.
Personal Loan Calculator
Calculate personal loan monthly payment and total interest.
Student Loan Calculator
Estimate student loan payment under fixed-rate assumptions.
Debt-to-Income Ratio Calculator
Compute DTI ratio from monthly debt and gross income.
Credit Card Payoff Calculator
Estimate payoff time and interest based on APR and payment size.
Debt Payoff Calculator
Estimate payoff horizon for total debt with blended APR.
Compound Interest Calculator
Project future value using compounding frequency and annual return.
Savings Calculator
Forecast savings growth with recurring monthly deposits.
Emergency Fund Calculator
Estimate target emergency fund from monthly essential expenses.
Retirement Calculator
Project retirement savings by age, contributions, and expected return.
401(k) Calculator
Estimate 401(k) growth with employee and employer contributions.
Roth IRA Calculator
Project Roth IRA growth with annual contribution assumptions.
IRA Contribution Calculator
Estimate IRA contribution limit from age, filing status, and income.
Investment Growth Calculator
Project investment balance using recurring contributions and return rate.
Rule of 72 Calculator
Estimate how long money takes to double at a given return rate.
Inflation Calculator
Estimate future cost impact from inflation over time.
Salary Calculator
Estimate effective hourly rate from annual salary assumptions.
Hourly to Salary Calculator
Convert hourly wage into annual salary estimate.
Paycheck Calculator
Estimate net paycheck from salary, pay frequency, and withholding rates.
Take-Home Pay Calculator
Estimate take-home pay using configurable withholding assumptions.
Federal Income Tax Calculator
Estimate US federal tax on taxable income with filing status.
State Income Tax Calculator
Estimate state tax using configurable flat-rate assumptions.
W-4 Withholding Calculator
Estimate federal withholding using salary, dependents, and other income.
Sales Tax Calculator
Calculate final purchase cost after sales tax.
Tax Refund Estimator
Estimate expected refund or amount owed from withholding and liability.
Budget Calculator
Compare monthly income against major expense categories.
Net Worth Calculator
Calculate net worth from total assets and liabilities.
Biweekly Mortgage Calculator
biweekly mortgage payments from loan amount, rate, and term
Mortgage Interest Savings Calculator
interest savings from extra mortgage payments
Loan-to-Value Calculator
loan-to-value ratio and implied equity from loan amount and property value
Closing Costs Calculator
total closing costs from purchase price percentage and fixed fees
APR Calculator
annual percentage rate from note rate and upfront financing fees
Mortgage Points Calculator
cost and break-even timing for buying mortgage discount points
Interest-Only Mortgage Calculator
interest-only payment and later amortized payment stage
Balloon Mortgage Calculator
balloon balance remaining at a specified due year
FHA Loan Calculator
FHA-style mortgage payment including upfront and annual insurance assumptions
VA Loan Calculator
VA-style mortgage payment with funding fee assumptions
USDA Loan Calculator
USDA-style mortgage payment including guarantee and annual fee assumptions
Jumbo Loan Calculator
jumbo-loan payment estimates with configurable fee assumptions
Reverse Mortgage Calculator
estimated reverse-mortgage proceeds from home value, age, and existing liens
Home Equity Loan Calculator
home-equity loan payment and total interest on fixed terms
HELOC Payment Calculator
HELOC draw-period and repayment-period monthly payment estimates
Cash-Out Refinance Calculator
estimated cash-out proceeds under a chosen LTV cap and refinance terms
Break-Even Refinance Calculator
months needed to recover refinance closing costs from monthly savings
Property Tax Calculator
monthly and annual property tax estimates from assessed value and tax rate
HOA Cost Calculator
annual HOA burden including dues and special assessments
House Affordability by Income Calculator
affordable home price from income, debt, target DTI, and mortgage assumptions
Simple Interest Calculator
simple interest amount and total payoff using principal, rate, and time
APR vs Interest Rate Calculator
APR spread compared with note rate after financing fees
Loan Interest Calculator
total amortized loan interest and monthly payment from principal, rate, and term
Loan Payoff Calculator
months to payoff and total interest from balance, APR, and monthly payment
Loan Comparison Calculator
side-by-side total cost and payment comparison for two loan options
Debt Consolidation Calculator
consolidation payment, interest, and break-even impact under a new rate
Debt Snowball Calculator
snowball payoff order and combined payoff estimate with extra monthly payments
Debt Avalanche Calculator
avalanche payoff order and estimated debt timeline with extra payments
Minimum Payment Calculator
minimum required card payment and estimated payoff path
Credit Card Interest Calculator
interest cost of carrying a credit card balance over time
Balance Transfer Savings Calculator
interest savings estimate from promo APR and transfer fee assumptions
Credit Card APR Calculator
implied APR from finance charge, average daily balance, and billing cycle days
Buy Now Pay Later Cost Calculator
total BNPL cost including installment schedule and fees
Auto Lease Calculator
lease payment estimate from negotiated price, residual, money factor, and term
Lease vs Buy Car Calculator
estimated net cost difference between leasing and buying
Car Affordability Calculator
maximum car price from income-based payment limits and financing assumptions
Student Loan Extra Payment Calculator
student loan payoff acceleration from extra monthly payments
Student Loan Refinance Calculator
refinance payment change and lifetime savings estimate for student loans
Future Value Calculator
future value of a lump sum under compounding assumptions
Present Value Calculator
present value required today to reach a specified future amount
Time Value of Money Calculator
future value from present cash and discounting logic
Lump Sum Growth Calculator
lump-sum investment growth with adjustable compounding frequency
Monthly Savings Goal Calculator
required monthly savings to hit a target balance by a deadline
Savings Goal Date Calculator
months needed to reach a savings goal from current balance and contributions
APY Calculator
effective annual yield from nominal rate and compounding frequency
Effective Annual Rate Calculator
effective annual borrowing or return rate from nominal rate and compounding
Annualized Return Calculator
annualized return from start value, end value, and investment duration
CAGR Calculator
compound annual growth rate from start value, end value, and years
Real Rate of Return Calculator
inflation-adjusted return from nominal return and inflation assumptions
Dividend Yield Calculator
dividend yield from annual dividend per share and current share price
Dividend Reinvestment Calculator
portfolio growth estimate with dividend reinvestment and price growth assumptions
Investment Fee Impact Calculator
portfolio drag from annual advisory or fund fees over time
Expense Ratio Impact Calculator
long-term balance impact of fund expense ratios
Dollar-Cost Averaging Calculator
average cost and portfolio value from repeated periodic investing
Bond Yield Calculator
current yield and approximate yield-to-maturity from coupon and price
Rule of 70 Calculator
doubling-time estimate using the Rule of 70
Doubling Time Calculator
doubling-time estimate from growth rate using logarithmic compounding
FIRE Number Calculator
target portfolio size from annual expenses and withdrawal rate
Coast FIRE Calculator
today's required invested amount to coast to retirement without new contributions
Safe Withdrawal Rate Calculator
annual withdrawal amount from portfolio value and withdrawal-rate assumption
Retirement Nest Egg Calculator
target nest egg from income replacement goals and withdrawal assumptions
Retirement Income Replacement Calculator
annual retirement-income target from current income and replacement percentage
Retirement Withdrawal Calculator
portfolio sustainability under annual withdrawals and return assumptions
Four Percent Rule Calculator
annual withdrawal estimate under the 4% guideline
401(k) Match Calculator
employer match value based on salary, contribution rate, and match policy
Traditional vs Roth Calculator
after-tax projection comparison under current and retirement tax assumptions
Roth Conversion Calculator
estimated tax bill for converting traditional retirement balances to Roth
RMD Calculator
required minimum distribution estimate from account balance and age
Pension Lump Sum vs Annuity Calculator
present-value comparison between annuity payments and lump sum offer
Social Security Break-Even Calculator
break-even age for claiming Social Security early versus delaying benefits
Retirement Contribution Limit Calculator
contribution limit estimate for common retirement accounts under 2026 assumptions
Catch-Up Contribution Calculator
catch-up contribution allowance for eligible age thresholds
Overtime Pay Calculator
gross pay including overtime premium using hourly wage and overtime hours
Bonus Tax Calculator
bonus withholding estimate from supplemental withholding rates
Commission Calculator
commission-based earnings from sales volume, rate, and base compensation
Freelance Hourly Rate Calculator
required freelance hourly rate after overhead and tax set-aside assumptions
Self-Employment Tax Calculator
self-employment tax estimate including Social Security and Medicare components
FICA Tax Calculator
employee and employer FICA tax estimates from wages and filing assumptions
Social Security Tax Calculator
Social Security payroll tax estimate with wage-base assumptions
Medicare Tax Calculator
Medicare tax estimate including additional Medicare threshold logic
Capital Gains Tax Calculator
long-term capital gains tax estimate from gain and taxable income
Estate Tax Calculator
federal estate tax estimate from estate value and exemption assumptions
Gift Tax Calculator
taxable gift amount above annual exclusion assumptions
HSA Contribution Calculator
HSA contribution limit estimate by coverage type and age
FSA Tax Savings Calculator
estimated tax savings from pre-tax FSA contributions
Pay Raise Calculator
new salary and raise impact from current pay and raise percentage
After-Tax Income Calculator
estimated after-tax income from gross pay and effective tax rate
Marginal vs Effective Tax Rate Calculator
marginal and effective federal tax-rate estimate from taxable income
50/30/20 Budget Calculator
budget allocation targets using the 50/30/20 framework
60/30/10 Budget Calculator
budget allocation targets using the 60/30/10 framework
Needs vs Wants Calculator
spending split between needs, wants, and savings
Monthly Expense Calculator
total monthly expenses from major spending categories
Sinking Fund Calculator
monthly contribution needed to reach a sinking-fund goal
Emergency Fund by Expense Level Calculator
emergency-fund target from expense level and coverage months
Cost of Debt Calculator
effective cost-of-debt rate from interest paid and average debt balance
Disposable Income Calculator
remaining income after mandatory expenses
Debt-to-Asset Ratio Calculator
debt-to-asset ratio from total debt and asset values
Savings Rate Calculator
savings rate from monthly income and monthly savings
Housing Cost Ratio Calculator
housing-cost ratio from monthly housing expense and gross income
Car Payment to Income Calculator
car-payment ratio from monthly car cost and gross income
Life Insurance Needs Calculator
life insurance coverage estimate using income replacement and liabilities
Disability Insurance Income Calculator
monthly disability-income coverage target from income replacement assumptions
Health Insurance Plan Comparison Calculator
annual plan cost comparison using premiums, deductibles, and expected care spending
Out-of-Pocket Medical Cost Calculator
out-of-pocket cost estimate from deductible, coinsurance, and OOP max
COBRA vs Marketplace Cost Calculator
premium cost comparison between COBRA and Marketplace options
Long-Term Care Cost Calculator
future long-term-care cost projection with inflation assumptions
Profit Margin Calculator
net profit margin from revenue and net income
Gross Margin Calculator
gross margin from revenue and cost of goods sold
Markup Calculator
markup percentage from cost and selling price
Break-Even Calculator
break-even unit volume from fixed costs, price, and variable cost
Sales Commission Calculator
sales commission payout from sales volume, rate, and base pay
Invoice Late Fee Calculator
late fee amount from invoice value, fee policy, and days overdue
Freelancer Tax Set-Aside Calculator
tax set-aside amount from freelancer gross income and target tax rate
Hourly Rate from Target Income Calculator
required billable hourly rate to reach an annual income target
Contractor Day Rate Calculator
contractor day rate from hourly rate and billable day length
VAT/GST Calculator
VAT or GST amount from net value and tax rate
Sales Tax Reverse Calculator
pre-tax amount and embedded tax from a tax-inclusive total
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Category FAQ
How should I use the us finance calculators tools?
Start with one calculator, review the assumptions shown on the page, then compare with related tools for scenario planning.
Are these tools free to use?
Yes. TeachMechanical Tools are free and designed for practical educational and planning use.
Can I use these tools on mobile?
Yes. The pages are built mobile-first with large fields, clear labels, and keyboard-friendly controls.