All calculators
All 65 free financial calculators, A to Z
Every one of our financial calculators is listed here alphabetically, with its topic, so you can scan the full set in one place. There are 65 in total across loans and amortization, credit and debt, savings and CDs, auto and vehicle, and personal finance. Each is free, needs no account, and comes with a worked example and the sources behind it.
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- Car Lease CalculatorHow is a car lease payment calculated?
- Car Loan CalculatorHow is a car loan payment calculated?
- Car Loan Payoff CalculatorHow much do you save by paying extra on a car loan?
- CD CalculatorHow is CD interest calculated?
- CD Ladder CalculatorHow does a CD ladder work?
- Checkbook BalancerHow do you balance a checkbook against a bank statement?
- College Savings CalculatorHow much should I save each month for college?
- Compare CD Rates CalculatorHow much more does a higher CD rate earn?
- Compound Interest CalculatorHow does compound interest grow a savings balance?
- Compounding Frequency CalculatorDoes compounding frequency make a big difference?
- Consolidate & Invest CalculatorWhat happens if I invest the savings from a consolidation loan?
- Cost of Debt CalculatorHow do you calculate the true cost of a debt?
- Cost of Waiting CalculatorHow much does it cost to wait before you start saving?
- Credit Card OptimizerHow do you minimize interest across several credit cards?
- Credit Card Payoff CalculatorHow long does it take to pay off a credit card?
- Credit Score CheckupCan a calculator tell me my actual credit score?
- Cut Spending Savings CalculatorHow much can cutting one weekly expense save?
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- Debt Avalanche Roll-Down CalculatorHow does the debt avalanche method work?
- Debt Consolidation CalculatorWill a debt consolidation loan save me money?
- Debt Snowball CalculatorHow does the debt snowball method work?
- Deferred Payment Loan CalculatorDoes interest accrue on a deferred loan?
- Down Payment Savings CalculatorHow much do I need to save each month to buy a home?
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- Habit Savings CalculatorHow much could a daily habit be worth if invested instead?
- Home Equity vs. Car Loan CalculatorIs a home equity loan cheaper than a car loan for buying a vehicle?
- Hourly to Salary CalculatorHow do you convert an hourly wage to a salary?
- How Much Do You Owe CalculatorHow do I calculate how much debt I have in total?
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- Lease vs. Buy Car CalculatorIs it cheaper to lease or buy a car?
- Lease vs. Pay Cash CalculatorIs it better to pay cash for a car or lease it?
- Life Expectancy CalculatorHow long should I plan for my retirement money to last?
- Line of Credit Payoff CalculatorHow long does it take to pay off a line of credit?
- Loan CalculatorHow is a monthly loan payment calculated?
- Loan Comparison CalculatorHow do you compare two loan offers?
- Loan Interest Tax Savings CalculatorHow much tax does deducting loan interest save?
- Loan Payment Breakdown CalculatorHow much of a loan payment goes to interest?
- Loan vs. Credit Line PaymentHow is an interest-only line of credit payment calculated?
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- Save a Million CalculatorHow long does it take to save a million dollars?
- Savings After Taxes & InflationHow do taxes and inflation affect savings?
- Savings Goal CalculatorHow do you calculate how much to save each month for a goal?
- Savings Rate CalculatorHow do you calculate your savings rate?
- Savings Withdrawal CalculatorHow long will my savings last with regular withdrawals?
- Second Income CalculatorHow do you calculate the real value of a second income?
- Student Loan CalculatorHow is a student loan payment calculated?
- Student Loan Consolidation CalculatorHow is a federal consolidation loan rate calculated?
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No calculator matches that filter.
How do you find the right calculator fast?
Scan the A–Z list below, filter by topic, or press Ctrl+K, ⌘K or the / key to search by what you want to work out. Search understands everyday phrases such as "car payment," "pay off credit card" or "CD interest."
If you would rather follow a path, our collections put calculators in a recommended order for common situations such as paying off debt or buying a car.
What do the five topics cover?
- Loans & Amortization. Payments, total cost, payment breakdowns, day-count methods, student loans and the interest deduction.
- Credit & Debt. Credit card payoff, minimum payments, avalanche and snowball plans, balance transfers and consolidation.
- Savings & CDs. Compound growth, savings goals, emergency funds, CDs, CD ladders and withdrawals.
- Auto & Vehicle. Car, truck, motorcycle, RV and boat loans, leasing, refinancing and early payoff.
- Personal Finance. Net worth, budgeting, savings rate, inflation, the Rule of 72 and financial independence.
Frequently asked questions
How many calculators are on CalculateInterestPay?
There are 65 free calculators: 13 for loans and amortization, 13 for credit and debt, 15 for savings and CDs, 13 for auto and vehicle financing, and 11 for personal finance. All of them are listed on this page from A to Z.
Do I have to pay for any of the calculators?
No. Every calculator on the consumer site is free, with no account and no limit on how often you use it. A separate business account exists only for businesses that want to put the calculators on their own websites. It never limits or changes the free consumer calculators.
What is the difference between the loan calculator and the total cost of loan calculator?
The loan calculator focuses on the payment for a given amount, rate and term. The total cost of loan calculator focuses on everything you pay over the life of the loan, including interest. Use the first to check affordability and the second to compare offers.
Which calculator shows how long it takes to pay off a credit card?
The credit card payoff calculator shows how long a balance takes to clear at a fixed payment and how much interest you pay. To see what paying only the minimum does, use the minimum payment calculator instead. Comparing the two shows how much a fixed payment saves.
Is there a calculator for comparing two loans?
Yes. The loan comparison calculator places two loan offers side by side so you can compare payment, total interest and total cost. For cars specifically, the rebate vs. low APR calculator compares a cash rebate with promotional financing. Comparing total cost, not only the payment, is the clearest way to see which offer is cheaper.
Can I suggest a calculator that is not on the list?
Yes. Email the general address on our contact page and describe the question you were trying to answer. Reader suggestions help us decide what to build next, and new calculators are announced in the changelog. Telling us the decision you were facing helps more than naming a formula.
Do the calculators handle business or mortgage loans?
The consumer site focuses on personal loans, auto loans, student loans, credit cards, savings and everyday personal finance. The general loan calculator handles any fixed-rate amortizing loan, but it does not include mortgage-specific costs such as property taxes, homeowners insurance or mortgage insurance.
Why are some calculators listed under more than one collection?
Collections are built around life situations, and some calculators help in more than one. The budget planner, for example, is useful both when paying off debt and when getting finances in order. Each calculator still has one home topic in the A–Z list.
Can't see it at a glance? Search instead
Press Ctrl+K, ⌘K or / and type what you want to work out.