Σ MoneyMath

Every money question, answered.

100 free calculators. No sign-up, no tracking — the math runs in your browser.

01

Salary & Work

Convert pay, plan raises, and price your work.

Salary & Work Annualized Income Calculator Turn part-year earnings into an annual figure — for new jobs, seasonal work, freelancing, or income verification. Salary & Work Biweekly Pay Calculator Convert annual salary to your biweekly paycheck, compare biweekly vs semi-monthly pay, and find your two 3-paycheck months. Salary & Work Bonus After-Tax Calculator (Estimate) Estimate how much of your bonus you actually keep after federal supplemental withholding, FICA, and state tax. Salary & Work Commute Cost Calculator Calculate what your commute really costs per year in fuel, wear, and lost time — and what it does to your true hourly wage. Salary & Work Freelance Hourly Rate Calculator Work out the hourly rate you must charge as a freelancer to hit your target income after expenses, taxes, and unbillable time. Salary & Work Freelance Project Quote Calculator Price a freelance project properly: estimated hours, revision buffer, expenses, and risk margin — the quote that does not lose money. Salary & Work Holiday Pay Calculator Calculate pay for working a holiday at 1.5× or 2× rates — or the value of a paid day off — plus what holiday premiums add per year. Salary & Work Hourly to Salary Calculator Convert your hourly wage to annual, monthly, and weekly salary — including overtime hours at 1.5× pay. Salary & Work Overtime Pay Calculator (Time and a Half) Calculate overtime pay at time-and-a-half and double time — see your total weekly paycheck with overtime included. Salary & Work Pay Raise Calculator See what a raise means in real dollars — new salary, extra per paycheck, and whether it beats inflation. Salary & Work Pro Rata Salary Calculator (Part-Time Pay) Work out a part-time salary from a full-time equivalent: pro-rata pay by hours or days worked per week. Salary & Work Real Salary Calculator (Raise vs Inflation Over Years) Track whether your salary actually grew: compare your raises against inflation over multiple years and see your real pay change. Salary & Work Salary to Hourly Calculator Convert your annual salary to an hourly wage based on your real hours per week and weeks worked per year. Salary & Work Severance Pay Calculator Estimate a severance package from the common weeks-per-year formula — and see how long it funds your job search. Salary & Work Take-Home Pay Calculator (Estimate) Estimate your net pay after taxes and deductions — what actually lands in your bank account per month and per paycheck. Salary & Work Time Card Calculator (Work Hours) Add up daily work hours with breaks deducted — weekly total, overtime split, and gross pay at your rate. Salary & Work Two Job Income Calculator Combine income from two jobs or a job plus side hustle — total earnings, effective hourly rate, and the withholding trap to avoid.
02

Loans & Debt

See what loans really cost and how to escape debt faster.

Loans & Debt 15 vs 30 Year Mortgage Calculator Compare 15-year and 30-year mortgages side by side: monthly payment, total interest, and what investing the difference would earn. Loans & Debt Amortization Calculator Full amortization schedule for any loan: monthly payment, principal vs interest split over time, and year-by-year balance table. Loans & Debt Balance Transfer Calculator (Is 0% APR Worth It?) Compare paying your credit card as-is vs moving the balance to a 0% intro APR card with a transfer fee — clear verdict in dollars. Loans & Debt Buy Now Pay Later Calculator (True Cost) See what BNPL installments really commit you to — stacked plans, late fees, and the budget share they consume. Loans & Debt Car Affordability Calculator (20/4/10 Rule) Find out how much car you can afford on your income using the 20/4/10 rule — 20% down, 4-year loan, under 10% of income on car costs. Loans & Debt Car Depreciation Calculator See what your car will be worth in 1–10 years and what depreciation really costs per year — the biggest hidden cost of driving. Loans & Debt Car Loan Calculator Calculate your monthly car payment with trade-in, down payment, and sales tax — plus total interest and total cost of the car. Loans & Debt Credit Card Minimum Payment Calculator See how long paying only the minimum on a credit card really takes, what it costs in interest, and how a fixed payment compares. Loans & Debt Credit Utilization Calculator Calculate your credit utilization ratio across cards and see what to pay down to reach the score-friendly zones. Loans & Debt Debt Snowball vs Avalanche Calculator Compare the debt snowball and debt avalanche methods on your actual debts: payoff time and total interest for each strategy. Loans & Debt Debt-to-Income (DTI) Ratio Calculator Calculate your debt-to-income ratio the way lenders do — front-end and back-end DTI — and see what mortgage approval requires. Loans & Debt Down Payment Calculator See what different down payment percentages mean in dollars for any home price — plus PMI impact and the monthly saving plan to get there. Loans & Debt HELOC Payment Calculator Calculate HELOC payments in both phases: interest-only during the draw period, then the higher repayment-phase payment everyone forgets. Loans & Debt Home Equity Loan Calculator Calculate how much equity you can borrow against your home, and the monthly payment and total cost of a home equity loan. Loans & Debt Lease vs Buy Car Calculator Compare leasing vs buying the same car over your ownership horizon — total cost verdict including resale value. Loans & Debt Loan Comparison Calculator (Offer A vs Offer B) Compare two loan offers with different rates, terms, and fees — total cost verdict shows which offer truly wins. Loans & Debt Loan Payoff Calculator (Extra Payments) See how much faster you pay off any loan — and how much interest you save — by adding extra to each monthly payment. Loans & Debt Mortgage Affordability Calculator (How Much House?) Find the maximum home price you can afford from your income, debts, and down payment — using the 28/36 rule lenders apply. Loans & Debt Mortgage Payment Calculator Calculate your monthly mortgage payment with taxes and insurance, plus total interest over the life of the loan. Loans & Debt Mortgage Points Calculator (Buy Down Break-Even) Should you pay points to lower your mortgage rate? Break-even month and total savings verdict for buying discount points. Loans & Debt Negative Equity Calculator (Car Trade-In) Owe more than your car is worth? See your negative equity, what rolling it into a new loan really costs, and the cheaper exits. Loans & Debt Payday Loan APR Calculator (True Cost) See the real annualized interest rate hidden in a payday loan fee — and what the rollover cycle costs in dollars. Loans & Debt Personal Loan Calculator Calculate monthly payments and total cost of a personal loan, including origination fees — see the real APR of the money you receive. Loans & Debt Refinance Break-Even Calculator Find out how many months a mortgage refinance takes to pay for itself — closing costs vs monthly savings, with a clear verdict. Loans & Debt Rent vs Buy Calculator Compare the true cost of renting vs buying a home over your time horizon — with a clear verdict for your numbers. Loans & Debt Student Loan Payoff Calculator See how long your student loans will take to pay off, total interest, and how extra payments shorten the timeline.
03

Savings & Investing

Watch compound growth and plan your goals.

Savings & Investing 401(k) Match Calculator See how much free money your employer 401(k) match is worth per year — and what it compounds to by retirement. Savings & Investing APY vs APR Calculator (Converter) Convert APR to APY (and back) for any compounding frequency — see what a quoted rate actually pays or costs per year. Savings & Investing Break-Even Point Calculator Calculate how many units or how much revenue a business needs to cover its costs — with margin of safety. Savings & Investing CD Ladder Calculator Build a CD ladder: split savings across staggered maturities, see the blended rate, total interest, and when each rung matures. Savings & Investing Coast FIRE Calculator Find your Coast FIRE number — the savings level where compounding alone funds retirement, and you only need to cover current bills. Savings & Investing College Savings Calculator How much to save monthly for a child’s college — with education inflation and investment growth both included. Savings & Investing Compound Interest Calculator Calculate how your savings grow with compound interest and monthly contributions — future value, total deposits, and interest earned. Savings & Investing Daily Interest Calculator Calculate interest per day on any balance — for savings, loans, payoff quotes, and late payments. Savings & Investing Dividend Income Calculator Calculate the dividend income a portfolio pays per year and month from its yield — and the portfolio needed for a target income. Savings & Investing DRIP Calculator (Dividend Reinvestment) See what reinvesting dividends does over decades: DRIP vs taking the cash, with dividend growth included. Savings & Investing Emergency Fund Calculator Calculate how big your emergency fund should be based on your real monthly expenses and job stability — and how long it will take to build. Savings & Investing FIRE Number Calculator Calculate your FIRE number — the savings that makes work optional — and the year you reach financial independence at your savings rate. Savings & Investing How Long Will My Money Last Calculator See how many years savings last at a given monthly withdrawal — with growth and inflation both included. Savings & Investing Inflation Calculator (Custom Rate) See what inflation does to your money: future buying power of today's dollars, or what a future amount is worth today, at any rate you choose. Savings & Investing Investment Fee Calculator (Expense Ratio Drag) See how much a fund expense ratio or advisor fee really costs over decades — the six-figure difference between 0.05% and 1%. Savings & Investing Lump Sum vs Dollar-Cost Averaging Calculator Have a windfall to invest? Compare investing it all now vs spreading it over months — expected outcomes and the honest trade-off. Savings & Investing Margin & Markup Calculator Convert between cost, price, margin, and markup — and stop confusing the two numbers that sink small-business pricing. Savings & Investing Millionaire Calculator (Time to $1 Million) Find out exactly when your savings reach $1 million at your current pace — and what change would get you there faster. Savings & Investing Net Worth Calculator Calculate your net worth from assets and debts, and see how you compare to median benchmarks by age. Savings & Investing NPV & IRR Calculator Net present value and internal rate of return for a project: upfront cost plus up to 6 years of cash flows. Savings & Investing Payback Period Calculator How long until an investment pays for itself — simple payback for any upfront cost with monthly or yearly savings. Savings & Investing Position Size Calculator (Risk %) Calculate how many shares to buy so a stop-loss hit costs only your chosen risk percentage — the 1–2% rule, computed. Savings & Investing Present Value Calculator Calculate what a future amount of money is worth today at a given discount rate — the core formula of all finance. Savings & Investing Retirement Savings Calculator Project your retirement balance from current savings and monthly contributions — and see if it supports the income you want. Savings & Investing Retirement Withdrawal Calculator (Safe Withdrawal Rate) How much can you withdraw from savings each year in retirement — sustainable income at 3–5% withdrawal rates. Savings & Investing ROI Calculator (Return on Investment) Calculate return on investment as a percentage and annualized rate — for any investment, project, or purchase. Savings & Investing Roth vs Traditional Calculator (Simplified) Compare Roth (pay tax now) vs Traditional (pay tax later) retirement contributions based on your tax rates today and in retirement. Savings & Investing Rule of 72 Calculator How long does money take to double? The rule of 72 gives an instant answer from any interest rate — compared with the exact math. Savings & Investing Savings Goal Calculator Find out how much to save per month to reach any savings goal by your deadline — or how long your current saving rate will take. Savings & Investing Savings Rate Calculator Calculate your true savings rate from income and savings — and see the years to financial independence it implies. Savings & Investing Simple Interest Calculator Calculate simple interest on any principal, rate, and time — and see how it compares to compound interest side by side. Savings & Investing Social Security Break-Even Calculator (Claim at 62 vs 67 vs 70) Compare claiming Social Security early, at full retirement age, or at 70 — break-even ages and lifetime totals for your benefit.
04

Everyday Money

Quick answers for tips, discounts, and rent.

Everyday Money 50/30/20 Budget Calculator Split your monthly take-home pay into needs, wants, and savings with the 50/30/20 rule — with stricter and looser variants. Everyday Money Bill Split Calculator (Even or by Income) Split rent, utilities, or any shared bill between people — evenly or proportionally by income, the fair way for unequal earners. Everyday Money Cash Back vs Points Calculator Compare a cash-back card against a points card with an annual fee — real value per year for your actual spending. Everyday Money Christmas Budget Calculator Build a holiday budget: gifts per person, food, travel, and decorations — with the monthly savings plan that avoids January debt. Everyday Money Cost Per Wear Calculator Divide what clothing costs by how often you will actually wear it — the honest way to compare a $200 jacket with a $40 one. Everyday Money Discount Calculator (Sale Price & Stacked Discounts) Calculate sale prices from percentage discounts, including stacked discounts (extra % off already-reduced prices) and final price with tax. Everyday Money Electricity Cost Calculator (Appliance kWh) Calculate what any appliance costs to run per day, month, and year from its wattage and your electricity rate. Everyday Money Foreign Transaction Fee Calculator See what card FX fees and bad exchange rates really cost on foreign spending — and compare cards, ATMs, and exchange desks. Everyday Money Gas Cost Calculator (Trip Fuel Cost) Calculate how much gas a trip will cost from distance, fuel economy, and gas price — total and per person. Everyday Money Grocery Budget Calculator Get a realistic monthly grocery budget for your household size and style — benchmarked against USDA food plan levels. Everyday Money Habit Cost Calculator (Daily Habits, Compounded) See what a daily habit — coffee, smoking, vaping, delivery — costs per year and what that money invested would become. Everyday Money Per Diem Calculator Calculate travel per diem totals for a trip — full days, travel-day proration, and what stays in your pocket if you spend less. Everyday Money Percentage Calculator Three percentage calculations in one tool: X% of a number, what percent X is of Y, and percentage change between two numbers. Everyday Money Price Per Square Foot Calculator Compare homes, apartments, or flooring by price per square foot — the number that makes real estate comparable. Everyday Money Rent Affordability Calculator Find out how much rent you can afford using the 30% rule and the stricter 50/30/20 budget — based on your actual income and debts. Everyday Money Rent Split by Room Calculator Split rent fairly when bedrooms differ — weight by room size and private bathroom, get each roommate’s fair share. Everyday Money Sales Tax Calculator Add sales tax to a price or extract the tax from a total — works forward and backward with any rate. Everyday Money Subscription Cost Calculator Add up what your subscriptions really cost per year — and what that money would become if invested instead. Everyday Money Tip Calculator & Bill Splitter Calculate the tip and split the bill between any number of people — with per-person totals, instantly. Everyday Money Tip Pooling Calculator Split pooled tips among staff by hours worked or by points/percentages — the two standard methods, computed fairly. Everyday Money Trip Budget Calculator Build a vacation budget from flights, lodging, food, and activities — total cost, per person, per day, and the savings plan. Everyday Money Unit Price Calculator (Compare Two Products) Compare price per unit between two package sizes and instantly see which is the better deal and by how much. Everyday Money VAT Calculator Add VAT to a net price or extract VAT from a gross total — works with any rate, with common country rates listed. Everyday Money Wedding Budget Calculator Split a wedding budget across venue, catering, photography and the rest using real industry proportions — with per-guest cost. Everyday Money Zakat Calculator Calculate zakat (2.5%) on savings, gold, investments, and business assets — with the nisab threshold check.