Personal finance calculators

Personal finance comes down to a few decisions: what to spend, what to save, how much to borrow and how fast to pay it back. These free calculators help with each one. Type in your numbers and see the answer right away, with no sign-up.

Home and loans

• Mortgage Payment Calculator: enter loan amount, rate and term to see your monthly payment, total paid and total interest. Instant results, no sign-up.
• How Much House Can I Afford? Calculator: enter income, debts, down payment and rate to see the home price you can afford and your maximum monthly payment.
• Debt Payoff Calculator: enter your balance, APR and monthly payment to see how long payoff takes and how much interest you will pay.

Saving and investing

• Compound Interest Calculator: see how a starting balance and monthly deposits grow over time. Enter your return and years for an instant result.
• Daily Coffee Savings Calculator: See what a daily coffee or small habit costs over time, and what that money could grow into if invested. Free calculator with adjustable return and years.
• 50/30/20 Budget Calculator: enter your monthly take-home pay to see how much to spend on needs, wants and savings or debt payoff.

Everyday money

• Hourly to Salary Calculator: Convert your hourly wage to yearly, monthly, weekly and daily pay before taxes. Free hourly to salary calculator with adjustable hours and weeks.
• Tip Calculator and Bill Splitter: enter the bill, tip percent and number of people to get the tip amount and each person’s share. Fast, simple and works on phones.
• Percentage Calculator: find X% of a number, what percent one number is of another, and percent increase or decrease. Instant answers.

Where to start

If you are buying a home, start with the house affordability calculator, then check the exact payment with the mortgage calculator. If you want to get your spending in order, use the 50/30/20 budget calculator on your take-home pay. If you have debt, the debt payoff calculator shows how fast you can be free of it.