Financial Calculators

Free mortgage payment calculator. Enter your home price, down payment, rate, and term to instantly see your PITI payment, PMI timeline, total interest, and full amortization schedule.

Free mortgage recast calculator. Enter your balance, lump-sum payment, rate, and remaining term to instantly see your new monthly payment, interest savings, and how quickly the recast fee pays for itself.

Free biweekly mortgage calculator. Enter your balance, rate, and remaining term to see how many years you save and how much interest you keep when you switch from monthly to biweekly payments.

Free extra mortgage payment calculator. Enter your balance, rate, remaining term, and extra monthly amount to see how many years you save and how much interest you avoid paying.

Free ARM vs. fixed mortgage calculator. Enter your loan amount, ARM initial rate, expected adjusted rate, and how long you plan to stay to see which loan costs less and when the ARM stops saving money.

Free refinance break-even calculator. Enter your current loan, new rate, closing costs, and planned stay to find your break-even month and total net savings from refinancing.

Free cash-out refinance calculator. Enter your home value, current balance, cash-out amount, and new rate to see your new payment, LTV, and the true cost of borrowing against your equity.

Free FHA loan calculator with MIP. Enter your home price, down payment, rate, and term to see your full FHA monthly payment, total MIP cost, and whether mortgage insurance cancels after 11 years.

Free VA loan calculator with funding fee. Enter your home price, down payment, and service status to see your full monthly payment, exact funding fee, and monthly savings vs. conventional PMI.

Free jumbo loan affordability calculator. Enter your income, debts, and loan parameters to find the maximum home price at 36% and 43% DTI, and check whether a specific price falls within jumbo lender guidelines.

Free reverse mortgage calculator. Enter your home value, age, and rate to see your 2024 HECM Principal Limit, net proceeds after costs, monthly tenure payment, and a 30-year balance growth projection.

Free HELOC vs. cash-out refi calculator. Enter your loan amount, rates, and terms to see total interest costs, monthly payments, and the exact break-even month for each option.

Free mandatory Roth catch-up calculator (2026). If you earn over $150,000 and are 50+, all catch-up contributions must go to Roth starting Jan 1, 2026. See your extra tax, W-4 adjustment, and long-term Roth vs. pre-tax comparison.

Free 529-to-Roth IRA rollover calculator (SECURE Act 2.0). Check the 15-year rule, 5-year contribution exclusion, and $35,000 lifetime cap. See your rollover schedule, Roth IRA balance at retirement, and the tax cost of withdrawing with a penalty instead.

Free inherited IRA 10-year rule calculator (SECURE Act). Non-eligible designated beneficiaries must empty the account within 10 years. Compare equal, back-loaded, and front-loaded withdrawal strategies to find the lowest-tax schedule based on your income and bracket.

Free ACA subsidy cliff calculator for self-employed (2026). Enhanced subsidies expired — the 400% FPL cliff is back. Enter your Schedule C income and we solve the circular SE health insurance deduction math that most calculators miss. See your MAGI, PTC, and net premium.

Free PTET election calculator for 2026. The OBBBA raised the SALT cap to $40,400 but added a hidden phase-out for high earners. Enter your entity income, state rate, and SALT picture to see the exact net annual benefit of electing PTET vs. taking the personal deduction.

Free §199A QBI deduction calculator for 2026. The OBBBA raised the phase-out thresholds to $276,300–$326,300 (single) and $554,300–$654,300 (MFJ). Enter your taxable income, QBI, and W-2 wages to see your exact deduction and W-2 limitation.

Free OBBBA W-4 withholding calculator (2026). The One Big Beautiful Bill Act lets workers deduct up to $10,000 in overtime ($20,000 MFJ), all reported tips in tipped occupations, and a $4,000 senior deduction. Without a W-4 update, your employer will over-withhold. Enter your numbers to get your exact Step 4(b) recommendation.