Finance Tools

Convert a nominal interest rate into its effective annual yield (APY).

Convert APY into an equivalent nominal annual rate; this is not a fee-inclusive loan APR.

Estimate your monthly mortgage payment, including taxes, insurance and PMI.

See a month-by-month loan payoff schedule, with optional extra payments.

Compare snowball vs. avalanche strategies to pay off multiple debts faster.

See how long it takes to pay off a credit card balance and how much interest you'll pay.

Find out how many months it takes to reach a savings goal with regular contributions.

Project your retirement savings balance based on your current age and contributions.

Calculate your FIRE number and how many years until financial independence.

Find your emergency fund target and how long it takes to reach it.

Calculate the total return and net gain on an investment, including any income received.

Calculate the compound annual growth rate between a beginning and ending value.

Calculate a stock's dividend yield from its annual dividend and share price.

Project how much a present sum (plus optional contributions) will be worth in the future.

Find out what a future sum of money is worth today, given a discount rate.

Calculate the net present value of an investment's future cash flows.

Calculate the internal rate of return for a series of cash flows.

See what an amount will cost in the future, and what future money is worth today, at a given inflation rate.

Add up your assets and liabilities to calculate your total net worth.

Track your monthly income and expenses to see your net cash flow.