Finance & Money Calculators
Simple tools to help you crunch the numbers for loans, savings, discounts and everyday money decisions.
Mortgage Calculator
Estimate your monthly home payment and total loan cost.
Crunch it →Home Affordability Calculator
Estimate how much home you may be able to afford based on income, debts, down payment and housing costs.
Estimate affordability →Rent vs. Buy Calculator
Compare the estimated long-term cost of renting a home versus buying one.
Compare rent vs. buy →Car Loan Calculator
Estimate your monthly payment, interest and total loan cost.
Crunch it →Savings Goal Calculator
See how long it could take to reach your savings goal.
Start saving →401(k) Retirement Calculator
Estimate how your 401(k) could grow with contributions, employer matching and investment returns.
Plan retirement →Roth IRA Calculator
Estimate how your Roth IRA could grow with regular contributions and long-term investment returns.
Estimate Roth IRA growth →Compound Interest Calculator
Estimate future value, interest earned and how regular contributions can grow over time.
Calculate growth →Inflation Calculator
Compare historical U.S. inflation and project future prices, purchasing power, and changes in the value of money.
Calculate inflation →Electricity Bill Calculator
Estimate household electricity bills, kilowatt-hour usage costs, and appliance operating expenses.
Calculate electricity costs →Discount Calculator
Find your savings and the final price after a discount.
Save money →Tip Calculator
Calculate the tip, total bill and amount per person.
Calculate tip →Percentage Calculator
Quickly solve everyday percentage calculations.
Crunch percentages →Loan Payment Calculator
Calculate your monthly payment, total interest and total loan cost.
Calculate loan payment →Amortization Calculator
Calculate loan payments, total interest, payoff time and view a detailed payment schedule.
View amortization →Credit Card Payoff Calculator
Estimate payoff time, total interest and how extra payments can help you pay off debt faster.
Plan payoff →Debt-to-Income Calculator
Calculate your front-end and back-end DTI using monthly income, housing costs and recurring debt payments.
Calculate DTI →Debt Payoff Calculator
Compare snowball and avalanche strategies, estimate payoff time and see potential interest savings.
Plan debt payoff →Salary / Hourly Pay Calculator
Convert hourly pay to salary or salary to hourly pay and estimate weekly, biweekly, monthly and annual earnings.
Calculate pay →Work Hours Calculator
Track daily clock-in, clock-out and break times to estimate weekly hours, overtime and gross pay.
Calculate work hours →Paycheck Calculator
Calculate regular pay, overtime pay and total gross earnings.
Calculate paycheck →
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California Child Support Calculator
Explore California child support estimates using parental income, parenting time, and number of children. Compare scenarios and print a planning summary.
Estimate child support →Sales Tax Calculator
Calculate sales tax and your total purchase price quickly.
Calculate sales tax →Currency Converter
Convert popular world currencies using current exchange rates.
Convert currency →Free Finance and Money Calculators for Everyday Financial Planning
Need to estimate a mortgage payment, compare loan costs, plan a savings goal or understand credit card debt? MyCruncher offers free online Finance & Money Calculators that make common financial calculations easier to explore.
Whether you’re buying a home, managing monthly payments, saving for a purchase, checking a paycheck or comparing prices, these tools help you work through the numbers.
Choose the calculator that matches your question, enter your information and review the estimated result.
All estimates are intended for education and general planning. Actual financial terms and outcomes may differ.
Browse Finance Calculators by Purpose
Which Finance Calculator Should You Use?
Different financial questions require different inputs. Use the following guide to choose a helpful starting point.
| Your Question | Suggested Calculator |
|---|---|
| What is my mortgage payment? | Mortgage |
| How much home can I afford? | Home Affordability |
| What will a loan cost? | Loan Payment |
| How long to pay off a card? | Credit Card Payoff |
| Which debt should I pay first? | Debt Payoff |
| When will I reach my savings target? | Savings Goal |
| How might my money grow? | Compound Interest |
Mortgage and Home Buying Calculators
Buying a home involves more than comparing listing prices. Your down payment, mortgage interest rate, loan term, property taxes and insurance can all affect affordability.
Mortgage Calculator
The Mortgage Calculator estimates monthly principal and interest payments from the loan amount, interest rate and loan term.
Use it to compare different home prices, down payments and financing scenarios.
Home Affordability Calculator
The Home Affordability Calculator considers income, existing debts, down payment, interest rate and estimated housing expenses.
It is useful for preliminary budget planning but does not determine mortgage approval.
How to Calculate a Home Down Payment
Your down payment reduces the amount you need to borrow.
Example: $300,000 Home
Suppose a home costs $300,000 and you plan to make a $60,000 down payment.
This example excludes closing costs, financed fees and other potential adjustments.
Loan Payment Calculators Explained
Loans are commonly compared using the amount borrowed, annual percentage rate, loan term and expected payment.
A longer repayment term may lower a monthly payment but can increase total interest on an otherwise comparable loan.
An interest rate change can also affect both monthly cost and the total amount repaid.
Loan Payment Example
Consider a hypothetical $10,000 fixed-rate loan with a 6% annual interest rate and a three-year term.
This illustrative payment assumes monthly compounding and level monthly payments. Lender fees and other charges are excluded.
Savings and Compound Interest Calculators
Savings calculators can help turn a future target into a monthly contribution plan.
The Savings Goal Calculator estimates how long a goal may take to reach using current savings, contributions and an assumed interest rate.
The Compound Interest Calculator can illustrate how interest, time and additional deposits affect a future balance.
Savings Goal Example
Suppose your savings target is $5,000, you have $1,000 saved and contribute $200 monthly.
This example assumes no interest, withdrawals or changes in contributions.
Monthly Savings Contribution Chart
The following chart assumes a $6,000 savings target starting from zero, without interest.
| Monthly Savings | Time to $6,000 |
|---|---|
| $100 | 60 months |
| $150 | 40 months |
| $200 | 30 months |
| $250 | 24 months |
| $300 | 20 months |
| $500 | 12 months |
| $600 | 10 months |
Credit Card and Debt Payoff Calculators
Credit card balances can be expensive when interest continues to accrue. Your repayment amount, interest rate and new charges can influence the payoff timeline.
Credit Card Payoff Calculator
Use the Credit Card Payoff Calculator to estimate repayment time, interest and how an extra monthly payment might change the result.
Debt Snowball vs. Debt Avalanche
The snowball method typically prioritizes the smallest debt balance.
The avalanche method typically prioritizes the debt with the highest interest rate.
Both approaches generally maintain required minimum payments on other accounts.
How to Calculate Debt-to-Income Ratio
Debt-to-income ratio (DTI) compares your monthly debt payments with your gross monthly income.
Debt-to-Income Example
Suppose gross monthly income is $5,000 and total monthly debt payments equal $1,500.
Lenders may use different qualifying standards and debt definitions.
Everyday Money and Budgeting Tools
Finance calculators are not limited to borrowing and saving. They can help with routine purchases, paychecks and everyday financial comparisons.
- Paycheck calculations: Explore gross pay, deductions and estimated take-home pay.
- Discounts: Estimate the amount saved and the final purchase price.
- Sales tax: Calculate the tax amount and total purchase cost.
- Percentages: Measure increases, decreases and percentage differences.
- Car loans: Compare estimated vehicle financing costs.
- Currency conversion: Convert between supported currencies using available rates.
Tips for Using Financial Calculators
- Use accurate inputs. Check loan balances, interest rates and terms.
- Include additional costs. Taxes, fees and insurance may affect the real total.
- Compare several scenarios. Changing one input can show a useful tradeoff.
- Understand the assumptions. Different calculators may use different conventions.
- Check your actual documents. Account statements, contracts and official quotes take precedence over estimates.
- Review your plan regularly. Income, expenses and financial priorities change.
Frequently Asked Questions
Are MyCruncher finance calculators free?
Yes. MyCruncher provides free online calculators for common financial and everyday money questions.
How do I calculate a monthly loan payment?
Enter the principal, interest rate and repayment term into the Loan Payment Calculator.
How do I estimate mortgage payments?
Use the Mortgage Calculator with your home price, down payment, rate and loan term.
Can a calculator tell me how much home I can afford?
It can provide a general affordability estimate, but it cannot guarantee lender approval.
How can I calculate my debt payoff date?
Enter your balance, APR and expected monthly payment into the appropriate debt payoff tool.
Which is better, debt snowball or debt avalanche?
The snowball strategy prioritizes smaller balances. The avalanche strategy prioritizes higher rates. Compare both approaches using your actual debts.
How do I calculate a savings goal?
Enter your target, current savings and monthly contribution into the Savings Goal Calculator.
What is compound interest?
Compound interest is interest calculated on a balance that can include previously earned interest.
How do I calculate debt-to-income ratio?
Divide qualifying monthly debt payments by gross monthly income, then multiply by 100.
Are finance calculator results exact?
No. Results are general estimates based on the supplied information and assumptions.
Can I compare different interest rates?
Yes. Change the interest rate and recalculate to compare hypothetical scenarios.
Can I use these calculators on my phone?
MyCruncher calculators are designed for use on mobile and desktop devices.
More Free MyCruncher Tools
Explore all categories on the MyCruncher Homepage or browse the All Calculators Directory .
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Important: MyCruncher Finance & Money Calculators provide educational and planning estimates only. They are not financial, legal, tax or investment advice. Actual interest charges, payment schedules, taxes, fees, returns, account rules and financial outcomes can differ from projections. Review official documents and consult an appropriate qualified professional when making significant financial decisions.