FinCalc Hub
Free, instant calculators for mortgages, loans, taxes, and retirement. Updated for 2025–2026.
🏦 Mortgage & Loans
Mortgage
Estimate your monthly mortgage payment including principal, interest, taxes, and insurance.
Auto Loan
Calculate your monthly car payment with down payment, trade-in, sales tax, and APR.
Personal Loan
Estimate the monthly payment and total interest on a personal loan by amount, APR, and term.
Home Affordability
Find out how much home you can afford based on income, debts, and the 28/36 rule.
Refinance
See your monthly savings, break-even point, and lifetime interest saved by refinancing.
🧾 Taxes
Income Tax
Estimate your 2025 federal income tax, effective rate, and marginal bracket by filing status.
Paycheck
Estimate your take-home pay per paycheck after federal tax, FICA, and state tax.
Sales Tax
Add sales tax to a price or extract tax from a tax-included total at any rate.
Salary
Convert an hourly wage to annual, monthly, bi-weekly, and weekly gross pay.
📈 Retirement & Investing
401(k)
Project your 401(k) balance at retirement including your contributions and employer match.
Compound Interest
See how an initial investment plus monthly contributions grows with compound interest.
Savings Goal
Calculate the monthly deposit needed to reach a savings goal at a given APY.
Roth IRA
Project your Roth IRA balance at retirement with annual contributions and compound growth.
CD
Calculate the maturity value and interest earned on a certificate of deposit by APY and term.
💳 Debt
📚 Money Guides
View all →How Much House Can You Afford? The 28/36 Rule Explained
Learn how lenders decide what you can borrow using the 28/36 rule, and how down payment and debt change your budget.
401(k) vs Roth IRA: Which Should You Fund First?
Understand the difference between a 401(k) and a Roth IRA, and a simple order for prioritizing your retirement contributions.
When Does Refinancing Your Mortgage Make Sense?
A clear framework for deciding whether to refinance: rate drop, closing costs, break-even point, and how long you'll stay.