United States

Local money and property decisions combine arithmetic with rules that depend on where you live. Use this directory to find the existing country-specific tools, then read each page’s assumptions and limitations. A rate entered by the user is not a verified current tax rate, an approved loan offer or an insurance quote. Tools that use no country rules remain in the universal library rather than being copied into each country folder.

Start with these tools

Start with the amount or measurement you need to estimate and gather the inputs from your own documents. Separate recurring payments from one-off fees, and distinguish an annual rate from a monthly amount. A material quantity does not by itself include labor, delivery, waste or permission to build. Check each of those assumptions independently. The published library does not yet contain the complete verified regional data required by the master build plan; no state or county pages are published as substitutes for that missing evidence. For decisions involving tax, lending, insurance or construction requirements, confirm the applicable rules with the responsible authority or qualified professional. The related universal tools are useful for checking the underlying arithmetic without implying local approval.

retirement

loans

Finance

Activity Depreciation Calculator

Calculate depreciation from asset usage such as miles, machine cycles, or operating hours.

Finance

Auto Lease Calculator

Calculate monthly auto lease payments based on negotiated price, residual value, and money factor.

Finance

Auto Loan Calculator

Calculate your monthly car payments, factoring in trade-in value and sales tax.

Finance

Boat Loan Calculator

Estimate monthly payments for a boat or yacht loan, which typically feature longer terms than auto loans.

Finance

Bond Calculator

Calculate the theoretical price and current yield of a bond based on its coupon rate and yield to maturity.

Finance

Business Loan Calculator

Calculate monthly payments and total costs for a business term loan, including origination fees.

Finance

Cash Back vs Low Interest

Compare a cash back rebate with a higher interest rate versus a lower interest rate with no rebate.

Finance

CD Calculator

Calculate the earnings and total balance of a Certificate of Deposit (CD) over time.

Finance

College Cost Calculator

Estimate the future cost of college and determine if your current savings plan is on track.

Finance

Commission Calculator

Calculate sales commission, base pay, bonus, and total earnings.

Finance

Deferred Fixed Annuity Calculator

Estimate accumulation during a deferral period and level withdrawals during a fixed payout period.

Finance

Accumulate Uneven Cash Flows to a Future Period

Move each differently sized cash flow to one chosen future period using a consistent per-period rate.

Finance

Home Equity Line of Credit (HELOC) Calculator

Estimate interest-only draw payments, repayment-period payments, fees, and an LTV-based HELOC limit.

Finance

House Affordability Calculator

Estimate a home price from income, debts, down payment, rate, and housing costs.

Finance

How Much Car Can I Afford Calculator

Estimate an affordable vehicle price from a monthly payment budget, financing terms, down payment, trade-in, taxes, and fees.

Finance

How Much of a Loan Can I Afford Calculator

Calculate the maximum loan principal supported by a payment budget, rate, term, and financed fees.

Finance

Lease Calculator

Calculate monthly lease payments for equipment or property given a residual value.

Finance

Loan Calculator

Calculate payment, interest, total cost, and the effect of an optional extra payment.

Finance

Mutual Fund Calculator

Project a mutual fund balance and net return after contributions, sales loads, deferred charges, and operating expenses.

Finance

Monthly Payment from a Fixed Loan Amount

Find the regular monthly payment when the principal, fixed annual rate and repayment term are known.

Finance

Personal Loan Calculator

Calculate monthly payments and total interest for a personal loan, including origination fees.

Finance

Value an Uneven Cash-Flow Series Today

Discount each amount in an uneven period-by-period cash-flow series to time zero.

Finance

Real Estate Calculator

Analyze a rental property investment. Calculate Cash Flow, Cap Rate, and Cash-on-Cash Return.

Finance

Salary Calculator

Convert your salary between hourly, daily, weekly, monthly, and annual amounts.

Finance

Stock Ratios Calculator

Calculate per-share valuation, profitability, book-value, sales, and dividend ratios for a stock.

Finance

Student Loan Calculator

Calculate monthly payments for student loans, including the impact of interest capitalization during deferment periods.

Finance

Auto Refinance Calculator — United States

Compare remaining cash payments under the current loan with a new term, keeping financed fees separate from up-front fees. USD planning view; stated limitations apply.

Finance

HSA Versus FSA Planning Worksheet — United States

Compare explicitly eligible contribution scenarios, requiring confirmed annual limits and compatible plan coverage rather than outdated statutory defaults. USD planning view; stated limitations apply.

Finance

RV Loan Payment Calculator — United States

Calculate a level-payment recreational-vehicle loan with financed and up-front fees separated. USD planning view; stated limitations apply.

credit and debt

startup

mortgages

Finance

Down Payment Calculator

Convert a down payment between money and percent, then estimate loan and cash needed.

Finance

FHA Loan Calculator

Calculate FHA mortgage payments including Upfront and Annual Mortgage Insurance Premiums (MIP).

Finance

Home Equity Loan Calculator

Estimate a fixed home equity loan payment, borrowing costs, amortization, and an LTV-based borrowing limit.

Finance

Interest Only Mortgage Calculator

Estimate payments and total interest for a mortgage with an initial interest-only period followed by amortizing payments.

Finance

Mortgage Calculator

Estimate principal, interest, taxes, insurance, optional HOA fees, and extra payments.

Finance

Mortgage Payoff Calculator

See how much time and interest you can save by making extra payments on your mortgage.

Finance

Property Depreciation Calculator: Real Estate

Create a straight-line, mid-month-convention depreciation schedule for U.S. residential rental or nonresidential real property.

Finance

Refinance Calculator

Determine if refinancing your mortgage or loan makes financial sense.

Finance

Rent Calculator

Determine how much rent you can afford based on your annual income.

Finance

Rent vs. Buy Calculator

Compare the financial impact of buying a home versus renting over a specific period.

Finance

Rental Property Calculator

Analyze the profitability of a rental property including Net Operating Income (NOI) and Cash Flow.

Finance

VA Mortgage Calculator

Calculate VA loan payments including the VA Funding Fee. VA loans typically require no down payment and no PMI.

Finance

Mortgage Discount Points Calculator — United States

Compare points using both monthly payments and the mortgage balance still owed at the planned exit date. USD planning view; stated limitations apply.

Finance

Home Closing Cost Worksheet — United States

Separate the down payment, money already paid, closing fees, prepaids and confirmed credits without inventing transfer-tax eligibility. USD planning view; stated limitations apply.

income

sales

materials

Home & Construction

BTU Calculator

Estimate BTU requirement for heating or cooling a room.

Home & Construction

Concrete Calculator

Estimate concrete quantities, explicit waste, supplier bag yields and optional material/labor cost. Add editable USD material and labor prices and compare low, middle and high budget scenarios.

Home & Construction

Gravel Calculator

Estimate the amount of gravel needed for your driveway, path, or landscaping project. Add editable USD material and labor prices and compare low, middle and high budget scenarios.

Home & Construction

Mulch Calculator

Estimate the volume of mulch or soil needed for your garden beds and landscaping projects. Add editable USD material and labor prices and compare low, middle and high budget scenarios.

Home & Construction

Paint Calculator

Estimate paint quantity from wall area, openings, coats, coverage, and waste allowance. Add editable USD material and labor prices and compare low, middle and high budget scenarios.

Home & Construction

Roofing Material

Estimate the required amount of roofing 'squares' and shingle bundles based on footprint area and roof pitch. Add editable USD material and labor prices and compare low, middle and high budget scenarios.

Home & Construction

Square Footage Calculator

Calculate area for repeated rectangular spaces in square feet, yards, and acres. Add editable USD material and labor prices and compare low, middle and high budget scenarios.

Home & Construction

Stair Calculator

Determine the riser height, number of steps, and total run for a stair stringer. Add editable USD material and labor prices and compare low, middle and high budget scenarios.

Home & Construction

Tile Calculator

Determine the number of tiles needed for your flooring project, including a waste factor. Add editable USD material and labor prices and compare low, middle and high budget scenarios.

Home & Construction

Window Replacement Calculator — United States

Combine a quoted per-window replacement price with a conductive heat-loss comparison using whole-window U-values. USD planning view; stated limitations apply.

Home & Construction

Flooring Materials Calculator — United States

Round a rectangular floor area up to whole manufacturer packs and keep the extra material visible. USD planning view; stated limitations apply.

Home & Construction

Drywall Sheet Calculator — United States

Calculate board quantity while keeping layers, openings and cutting waste separate. USD planning view; stated limitations apply.

Home & Construction

Asphalt Paving Material Calculator — United States

Estimate asphalt paving material from a specified finished geometry; do not infer pavement design from area. USD planning view; stated limitations apply.

Home & Construction

Brick and Block Calculator — United States

Estimate masonry units from their modular face dimensions, including the entered mortar joint. USD planning view; stated limitations apply.

Home & Construction

Stucco Material Calculator — United States

Convert a specified stucco application thickness into bag quantity using the manufacturer wet-yield figure. USD planning view; stated limitations apply.

Home & Construction

Lumber Board Feet Calculator — United States

Calculate a lumber volume tally without silently substituting actual dressed dimensions for nominal billing dimensions. USD planning view; stated limitations apply.

Home & Construction

Roof Pitch and Rafter Calculator — United States

Convert a measured roof rise and run into pitch, angle and an ideal geometric sloping length. USD planning view; stated limitations apply.

Home & Construction

Siding Material Calculator — United States

Use effective installed coverage rather than raw board dimensions to estimate siding packs. USD planning view; stated limitations apply.

energy costs

ownership costs

Vehicles & Travel

Estimate Engine Output from Torque and RPM

Calculate engine power from measured torque and speed, with displacement-specific output and an explicit legacy airflow fallback.

Vehicles & Travel

Drag Performance

Estimate your vehicle's 1/4 mile elapsed time (ET) and terminal trap speed based on power-to-weight ratio.

Vehicles & Travel

Fuel Cost Calculator

Estimate fuel used and trip cost from distance, efficiency, and fuel price.

Vehicles & Travel

Gas Mileage Calculator

Convert a trip into MPG, liters per 100 km, and kilometers per liter.

Vehicles & Travel

Mileage Reimbursement

Calculate reimbursement from business miles and an editable per-mile rate, defaulted to the current 2026 U.S. business rate.

Vehicles & Travel

Tire Size Calculator

Calculate exact tire dimensions from standard sidewall codes.

Vehicles & Travel

EV Charging Cost and Time Calculator — United States

Separate energy arriving in the battery from energy bought at the meter, and compare annual energy spending on the same driving distance. USD planning view; stated limitations apply.

Vehicles & Travel

Vehicle Running Cost Calculator — United States

Calculate a whole-ownership budget without double counting loan principal as both purchase price and repayments. USD planning view; stated limitations apply.

Vehicles & Travel

EV Versus Petrol Cost Calculator — United States

Compare an EV purchase-price difference with energy and maintenance scenarios for equal annual driving. USD planning view; stated limitations apply.

Vehicles & Travel

Vehicle Depreciation Scenario Calculator — United States

Explore an explicitly chosen declining-balance vehicle-value scenario, without pretending it is a market valuation or tax depreciation schedule. USD planning view; stated limitations apply.

Vehicles & Travel

Business Mileage Deduction Worksheet — United States

Calculate a mileage-rate worksheet only after the applicable rate, eligible journeys and reimbursement treatment have been verified. USD planning view; stated limitations apply.

Vehicles & Travel

Vehicle Trade-In Tax Credit Worksheet — United States

Keep the dealer trade allowance used in a confirmed tax rule separate from the equity remaining after the old vehicle loan is repaid. USD planning view; stated limitations apply.

solar

Home & Construction

Solar Savings Calculator — United States

Estimate the financial effect of a specified rooftop solar scenario, with exported electricity valued separately from electricity used in the home. USD planning view; stated limitations apply.

Home & Construction

Solar Panel Sizing Calculator — United States

Translate a site-specific annual energy target into a rounded panel count and a transparent material-cost scenario. USD planning view; stated limitations apply.

Home & Construction

Solar Battery Sizing Calculator — United States

Size an energy reserve for an explicitly selected critical load, rather than assume that the battery can supply every household circuit. USD planning view; stated limitations apply.

Home & Construction

Solar Payback Calculator — United States

Compare a simple first-year payback with a discounted cash-flow model that explicitly includes replacement and declining generation. USD planning view; stated limitations apply.

Home & Construction

Net Metering Credit Calculator — United States

Separate import charges, eligible export credits and non-offsettable standing charges for one billing period. USD planning view; stated limitations apply.

Home & Construction

Home Battery Economics Calculator — United States

Value stored electricity after charging losses and the opportunity cost of the charging energy. USD planning view; stated limitations apply.

heating cooling

insulation sub

outdoor

life and health

Finance

Life Insurance Needs Calculator — United States

Estimate a survivor-support funding gap from explicit obligations, assets and an annual support horizon. USD planning view; stated limitations apply.

Finance

Pet Insurance Cost Comparison Calculator — United States

Compare one veterinary-cost scenario under a policy with an annual deductible, reimbursement percentage and insurer-payment cap. USD planning view; stated limitations apply.

Finance

Health Insurance Out-of-Pocket Calculator — United States

Model a deductible-and-coinsurance contract using confirmed policy values rather than infer subsidy eligibility or national underwriting prices. USD planning view; stated limitations apply.

Finance

Income Protection Needs Calculator — United States

Estimate benefit and waiting-period cash needs using an actual policy replacement percentage and offset rule. USD planning view; stated limitations apply.

Finance

Workers Compensation Quoted-Rate Calculator — United States

Check a quoted workers-compensation rating calculation for one confirmed payroll class. USD planning view; stated limitations apply.

Finance

Term Versus Whole Life Scenario Calculator — United States

Compare transparent cash-value scenarios using equal coverage needs and an actual guaranteed policy illustration. USD planning view; stated limitations apply.

Finance

Life Premium Between Quoted Ages Calculator — United States

Interpolate between two actual comparable quotes without claiming an insurer age table or an actuarial premium forecast. USD planning view; stated limitations apply.

property

project costs

structural

systems

auto

capital gains and estate

payroll

loans and leasing

specs

payroll and hiring

pricing and margin

valuation

saas metrics

injury

family

employment

Frequently asked questions

How do I choose a tool from United States?

Start with the quantity you need to solve for, then compare the required inputs and assumptions before entering values.

Are results in United States guaranteed?

No. Read the formula, limitations and reference information on the individual calculator. Entered example rates are not current offers or professional advice.

Can I save a calculation from United States?

The calculator pages support browser-local project and share controls. Shared links and exported files may contain your inputs.

A LITTLE MORE LOCAL

Where are you calculating?

Choose your country for local calculator versions. You can change it anytime in the navigation bar.

Choose a country