Free Online Calculators

Compare a 15-year and a 30-year mortgage: the monthly payment, the total interest, and whether investing the payment difference beats the shorter loan.

Work backwards from the monthly payment you are comfortable with to the home price you can afford, including taxes, insurance and HOA.

Compare putting more money down against investing it instead. Shows the guaranteed return your down payment earns — including the PMI it avoids — and what your investments would have to beat.

See how much interest you save and how many years you cut off your loan by paying extra each month. Free, instant, runs entirely in your browser.

Work out your monthly payment with private mortgage insurance, see how much PMI costs in total, and find out when it drops off automatically.

Calculate your full monthly mortgage payment including principal, interest, property taxes, homeowners insurance and HOA. Free, instant, and nothing is uploaded.

Find out how many months it takes for a refinance to pay for itself, and see whether lower monthly payments actually save you money over the life of the loan.

Compare the true cost of renting against buying over your time horizon, including the down payment you tie up, maintenance, selling costs and rising rent.

Calculate federal tax on selling stocks, crypto or other appreciated assets. Accounts for the long-term 0%, 15% and 20% brackets, short-term ordinary rates and the 3.8% net investment income tax.

Work out whether you owe tax when you sell your home. Applies the Section 121 exclusion of $250,000 ($500,000 if married) and shows what happens if you do not meet the two-year test.

Estimate your self-employment tax and federal income tax on freelance or 1099 income. Includes the 92.35% rule, QBI deduction and the deductible half of SE tax.

Estimate the concrete volume, number of bags and total cost for a driveway or slab. Get cubic yards, material and labour breakdown in seconds.