All calculators

17 free tools, grouped by the money decision they help with. Every page shows the formula it uses.

Mortgage & loans

Mortgage Calculator with Extra Payments Find your monthly payment, then see what an extra payment each month does to your interest bill and payoff date. PMI Calculator Private mortgage insurance costs you every month until you cancel it. FHA Loan Calculator FHA loans allow down payments as low as 3.5%, but the mortgage insurance comes in two separate charges. Auto Loan Calculator The sticker price is not what you pay. Refinance Break-Even Calculator A refinance costs thousands at closing and saves hundreds a year.

Investing

Compound Interest Calculator with Monthly Deposits The most common way people build wealth: a starting amount plus a monthly contribution, compounded monthly. Rule of 72 Calculator The fastest way to estimate doubling time: divide 72 by your annual return. Roth IRA Contribution Limit Calculator 2026 The 2026 Roth IRA limit is $7,500, higher if you are 50 or older. CD Calculator A CD locks a rate for a fixed term.

Saving & budgeting

Savings Goal Calculator Work backwards: enter what you need and when you need it, and this calculator solves for the monthly deposit. 50/30/20 Budget Calculator The 50/30/20 rule is a simple starting point: half your take-home pay for needs, three tenths for wants, two tenths for saving and paying down debt. Emergency Fund Calculator An emergency fund is measured in months of expenses, not dollars. Credit Card Payoff Calculator A credit card at 22% APR doubles its interest cost against a car loan at 7%. Hourly to Salary Calculator A wage is quoted per hour but a life is budgeted per month. Inflation Calculator Inflation works on both ends of the same dollar: prices rise and cash shrinks.

Taxes

Self-Employment Tax Calculator 2026 Self-employed people pay both halves of Social Security and Medicare. Quarterly Tax Calculator Freelancers and contractors pay tax quarterly.

Why these calculators

A number without context is not much use. Every CalcMatters calculator comes with the formula it uses, the assumptions it makes, and a plain-English explanation of what the result means for you.

They all run entirely in your browser — nothing you type is sent anywhere or stored. Each one links to the calculators that usually come next, because most money decisions chain together: your loan payment determines how much you can save, and what you save determines when you can cancel the mortgage insurance.

The figures that change every year — tax brackets, the IRA contribution limit, the Social Security wage base — are not typed into the pages. They live in one place and are pulled in wherever they are used, so a single update moves every page at once. The methodology page shows exactly which figures the site is using right now, and when they were last checked against the source.

Results are estimates for informational purposes only and are not financial, tax, or investment advice. For your own situation, talk to a licensed professional.