Finance — United States
This directory groups finance tools within 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
401k Calculator
Estimate the growth of your 401(k) retirement savings, including employer matching contributions.
72(t) Calculator
Calculate Substantially Equal Periodic Payments (SEPP) to avoid early withdrawal penalties from IRAs.
Activity Depreciation Calculator
Calculate depreciation from asset usage such as miles, machine cycles, or operating hours.
Auto Lease Calculator
Calculate monthly auto lease payments based on negotiated price, residual value, and money factor.
Auto Loan Calculator
Calculate your monthly car payments, factoring in trade-in value and sales tax.
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
401k Calculator
Estimate the growth of your 401(k) retirement savings, including employer matching contributions.
72(t) Calculator
Calculate Substantially Equal Periodic Payments (SEPP) to avoid early withdrawal penalties from IRAs.
Pension Calculator
Estimate your defined benefit pension payout based on years of service and salary.
Retirement Calculator
Project retirement savings and compare them with an optional income target.
RMD Calculator
Estimate a required minimum distribution using the IRS Uniform Lifetime Table.
Roth IRA Calculator
Project the growth of your Roth IRA and see how much tax-free income you could have in retirement.
Social Security Calculator
Estimate a 2026 retirement benefit from average indexed annual earnings and claiming age.
Traditional IRA Calculator
Calculate the growth of your Traditional IRA and estimate your after-tax retirement savings.
loans
Activity Depreciation Calculator
Calculate depreciation from asset usage such as miles, machine cycles, or operating hours.
Auto Lease Calculator
Calculate monthly auto lease payments based on negotiated price, residual value, and money factor.
Auto Loan Calculator
Calculate your monthly car payments, factoring in trade-in value and sales tax.
Boat Loan Calculator
Estimate monthly payments for a boat or yacht loan, which typically feature longer terms than auto loans.
Bond Calculator
Calculate the theoretical price and current yield of a bond based on its coupon rate and yield to maturity.
Business Loan Calculator
Calculate monthly payments and total costs for a business term loan, including origination fees.
Cash Back vs Low Interest
Compare a cash back rebate with a higher interest rate versus a lower interest rate with no rebate.
CD Calculator
Calculate the earnings and total balance of a Certificate of Deposit (CD) over time.
College Cost Calculator
Estimate the future cost of college and determine if your current savings plan is on track.
Commission Calculator
Calculate sales commission, base pay, bonus, and total earnings.
Deferred Fixed Annuity Calculator
Estimate accumulation during a deferral period and level withdrawals during a fixed payout period.
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.
Home Equity Line of Credit (HELOC) Calculator
Estimate interest-only draw payments, repayment-period payments, fees, and an LTV-based HELOC limit.
House Affordability Calculator
Estimate a home price from income, debts, down payment, rate, and housing costs.
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.
How Much of a Loan Can I Afford Calculator
Calculate the maximum loan principal supported by a payment budget, rate, term, and financed fees.
Lease Calculator
Calculate monthly lease payments for equipment or property given a residual value.
Loan Calculator
Calculate payment, interest, total cost, and the effect of an optional extra payment.
Mutual Fund Calculator
Project a mutual fund balance and net return after contributions, sales loads, deferred charges, and operating expenses.
Monthly Payment from a Fixed Loan Amount
Find the regular monthly payment when the principal, fixed annual rate and repayment term are known.
Personal Loan Calculator
Calculate monthly payments and total interest for a personal loan, including origination fees.
Value an Uneven Cash-Flow Series Today
Discount each amount in an uneven period-by-period cash-flow series to time zero.
Real Estate Calculator
Analyze a rental property investment. Calculate Cash Flow, Cap Rate, and Cash-on-Cash Return.
Salary Calculator
Convert your salary between hourly, daily, weekly, monthly, and annual amounts.
Stock Ratios Calculator
Calculate per-share valuation, profitability, book-value, sales, and dividend ratios for a stock.
Student Loan Calculator
Calculate monthly payments for student loans, including the impact of interest capitalization during deferment periods.
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.
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.
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
Payoff Time for One Credit-Card Balance
Estimate how long one balance takes to clear at a stated monthly payment, without adding new purchases.
Monthly Payment to Reach a Card Payoff Date
Find the monthly payment needed to clear a credit-card balance within a chosen number of months.
Credit Cards Payoff Calculator
Calculate the fastest way to pay off multiple credit cards using the Avalanche or Snowball method.
Debt Consolidation Calculator
Determine if consolidating your debts into a single loan can save you money on interest or lower your monthly payments.
Debt Payoff Calculator
Create a debt payoff plan using the Snowball or Avalanche method to become debt-free faster.
Debt-to-Income Ratio Calculator
Calculate front-end and back-end monthly debt-to-income ratios.
When Will This Balance Be Paid Off?
Estimate payoff months from an outstanding balance and the monthly payment you can make.
Balance Transfer Calculator — United States
Check whether a planned payment clears an interest-bearing or zero-rate promotional balance after adding the transfer fee. USD planning view; stated limitations apply.
mortgages
Down Payment Calculator
Convert a down payment between money and percent, then estimate loan and cash needed.
FHA Loan Calculator
Calculate FHA mortgage payments including Upfront and Annual Mortgage Insurance Premiums (MIP).
Home Equity Loan Calculator
Estimate a fixed home equity loan payment, borrowing costs, amortization, and an LTV-based borrowing limit.
Interest Only Mortgage Calculator
Estimate payments and total interest for a mortgage with an initial interest-only period followed by amortizing payments.
Mortgage Calculator
Estimate principal, interest, taxes, insurance, optional HOA fees, and extra payments.
Mortgage Payoff Calculator
See how much time and interest you can save by making extra payments on your mortgage.
Property Depreciation Calculator: Real Estate
Create a straight-line, mid-month-convention depreciation schedule for U.S. residential rental or nonresidential real property.
Refinance Calculator
Determine if refinancing your mortgage or loan makes financial sense.
Rent Calculator
Determine how much rent you can afford based on your annual income.
Rent vs. Buy Calculator
Compare the financial impact of buying a home versus renting over a specific period.
Rental Property Calculator
Analyze the profitability of a rental property including Net Operating Income (NOI) and Cash Flow.
VA Mortgage Calculator
Calculate VA loan payments including the VA Funding Fee. VA loans typically require no down payment and no PMI.
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.
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
Estate Tax Calculator
Estimate the federal estate-tax amount above the 2026 basic exclusion using a simplified top-rate model.
Income Tax Calculator
Estimate 2026 U.S. federal income tax using the standard deduction and progressive brackets.
Marriage Tax Calculator
Compare a simplified 2026 federal estimate for two single filers with married filing jointly.
Property Tax Calculator
Estimate annual and periodic property tax from assessed value, exemptions, and either a percent rate or millage rate.
Take-Home Paycheck Calculator
Estimate your net pay after federal, state, and FICA taxes.
sales
Frequently asked questions
How do I choose a tool from Finance — United States?
Start with the quantity you need to solve for, then compare the required inputs and assumptions before entering values.
Are results in Finance — 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 Finance — United States?
The calculator pages support browser-local project and share controls. Shared links and exported files may contain your inputs.