Collections
Calculator collections for big money decisions
Each collection strings together the calculators and guides for one decision, in the order that gives you the clearest answer.
Debt payoff plan calculators, in the order to use them
These debt payoff plan calculators walk you from "how much do I owe?" to a plan with a finish date. Start by listing every balance and seeing what minimum payments alone would cost, then set a monthly budget for debt, compare the avalanche and snowball methods, and only then check whether a balance transfer or consolidation loan would beat the plan you already have.
- How Much Do You Owe Calculator
- Minimum Payment Calculator
- Budget Planner Calculator
- Debt Avalanche Roll-Down Calculator
- + 3 more
Car buying calculators from first quote to payoff
These car buying calculators follow the order most purchases happen in. Work out a payment and total cost you can live with before you visit a dealer, then compare a rebate against low-rate financing, weigh leasing against buying or paying cash, and check how a home equity loan compares. After you buy, the same set shows what early payoff or refinancing would save.
- Car Loan Calculator
- Rebate vs. Low APR Calculator
- Lease vs. Buy Car Calculator
- Car Lease Calculator
- + 4 more
Savings building calculators for every stage
These savings building calculators follow the path most savers take: first a cushion for emergencies, then specific goals, then making idle cash work harder. Size your emergency fund, set monthly targets for goals, see how compounding and its frequency add up, compare CDs and ladders, and finally check what your savings earn after taxes and inflation. Each step builds on the one before.
- Emergency Fund Calculator
- Savings Goal Calculator
- Compound Interest Calculator
- Compounding Frequency Calculator
- + 4 more
Student loan repayment tools, step by step
These student loan repayment tools help you understand what you owe and how to pay it down. Estimate payments on each loan, see how much of every payment goes to interest, weigh consolidation, test the effect of extra or more frequent payments, and estimate the interest deduction. If you are saving for a child's education instead, the last step looks ahead to college savings.
- Student Loan Calculator
- Loan Payment Breakdown Calculator
- Student Loan Consolidation Calculator
- Weekly & Biweekly Payment Calculator
- + 3 more
Money basics calculators to see where you stand
These money basics calculators give you a clear snapshot before any bigger decision. Find your net worth, build a monthly budget, measure your savings rate, and use quick rules like the Rule of 72 and an inflation check to see how money changes over time. Finish with a pay conversion and a credit checkup, then a simple loan calculation to see how interest fits into everything else.
- Net Worth Calculator
- Budget Planner Calculator
- Savings Rate Calculator
- Rule of 72 Calculator
- + 4 more
About the collections
Should I pay off the smallest debt or the highest-rate debt first?
Paying the highest-rate debt first, the avalanche method, usually costs less in interest. Paying the smallest balance first, the snowball method, clears accounts faster, which some people find motivating. Run both with the same monthly amount to see the difference in your case.
Should I focus on the monthly payment or the total price?
The total price and total cost of the loan. A dealer can lower a monthly payment by stretching the term, which usually raises total interest. Negotiate the out-the-door price first, then compare financing offers by APR and total cost. The car loan calculator shows both figures for any term.
How big should my emergency fund be before I save for other goals?
A common guide is three to six months of essential expenses, with more if your income is irregular or you support others. The right amount depends on your job stability and other resources. The emergency savings calculator helps you set a target from your own expenses.
How is federal student loan consolidation interest calculated?
A Direct Consolidation Loan uses the weighted average of the rates on the loans you combine, rounded up to the nearest one-eighth of a percent. It does not lower your rate, but it can simplify payments and change your term. The consolidation calculator shows the resulting rate and total cost.
What counts as an asset when calculating net worth?
Anything you own that has value: cash, checking and savings balances, retirement and investment accounts, and the market value of a home, vehicle or other property. Use realistic values, not the price you paid. Debts such as loans and card balances are subtracted to get net worth.
How much should I put toward debt each month?
Enough to cover every minimum payment plus whatever extra your budget can sustain without missing essentials or new borrowing. The budget planner helps you find a realistic figure. A smaller amount you can keep up usually beats a larger one you abandon.
Is a cash rebate better than 0% financing?
It depends on the rebate size, the rate you could get elsewhere and the term. Taking the rebate with outside financing can cost less than the promotional rate, or the reverse. The rebate vs. low APR calculator compares the two side by side.
Where should I keep my emergency fund?
Somewhere safe and easy to reach, such as a federally insured savings or money market deposit account. Deposits are protected up to $250,000 per depositor, per insured bank or credit union, per ownership category. Avoid accounts that charge penalties or take days to access.