Savings Calculators — United States

Certificate of deposit value at maturity — APY growth, early-withdrawal penalties and CD ladders.

Open the Compound Interest Calculator and calculate instantly in your browser.

Open the Simple Interest Calculator and calculate instantly in your browser.

Open the Dividend Yield Calculator and calculate instantly in your browser.

Open the Savings Goal Calculator and calculate instantly in your browser.

Open the Net Worth Calculator and calculate instantly in your browser.

Open the Inflation Calculator and calculate instantly in your browser.

Model dividend reinvestment compounding, tax assumptions, and year-by-year growth.

Estimate tax on qualified and ordinary dividends, plus the 3.8% NIIT for high earners.

Model regular ETF or index-fund contributions versus a lump-sum investment.

Calculate rental-property cash-on-cash return from down payment, rent, and expenses.

Calculate bond income using face value, coupon rate, purchase price, and yield to maturity.

Find your ideal portfolio mix based on age, risk tolerance, and time horizon.

Adjust dollar amounts for CPI inflation and compare purchasing power across years.

See how inflation erodes purchasing power, savings, and wages over time.

Convert US dollars against major currencies and compare bank vs specialist FX costs.

Calculate your emergency fund target and the opportunity cost of holding cash vs investing.

Calculate the cost of having a baby — hospital birth, nursery, diapers, and childcare.

What a lump sum and regular contributions grow to at a given rate — and how much of the result is your own money.

What a future amount, or a stream of future payments, is worth today.

Net present value and internal rate of return for a series of cash flows — the standard test for whether a project is worth doing.

What regular income a lump sum can pay for a set number of years — and how long it lasts at a given withdrawal.

Convert a nominal rate into the effective annual rate it really pays — the AER, APY or comparison figure.

How long money takes to double at a given rate — the mental shortcut, and the exact answer beside it.

Work backwards to the rate: what return turned this starting amount into that ending amount over that time?.

The true annual cost of a loan once fees are included — the figure that makes two loans comparable.

What an annual fee costs over the life of an investment — usually far more than the percentage suggests.

How long an investment takes to pay for itself — plain and discounted.

Commission on a sale, including a split and a tiered rate above a threshold.

How much deposit you need, what it leaves you borrowing, and the loan-to-value ratio that follows.

The monthly payment on a lease, from the price, residual value and money factor — and the interest rate that money factor really is.

How large an emergency fund should be for your circumstances, how long it takes to build, and how long the current one would last.

The five time-value variables, solving for whichever one you do not know — present value, future value, payment, rate or number of periods.

The portfolio needed for financial independence and how long it takes to reach — with the savings rate that actually drives the answer.

How much to set aside each month for a known future cost — a car replacement, a roof, school fees — so it never becomes debt.

How long a balance lasts at a given withdrawal rate — and the withdrawal that would make it last indefinitely.

The real rate of return after inflation — using the exact Fisher relation rather than the approximation, which matters once inflation is high.

What an amount of money is worth after inflation — in either direction, and what it would take to keep pace.

The total finance charge on a loan or credit balance — every dollar of interest and fees over the life of the borrowing.

Month-over-month growth, what it compounds to over a year, and how it compares against the same month last year.

Convert pay between weekly, fortnightly, semi-monthly, monthly and annual — including the two extra fortnightly pays a year that budgets forget.

Pay debts smallest balance first — how long the whole set takes, what it costs in interest, and when each one clears.

Pay debts highest interest rate first — the mathematically cheapest order, with the saving against the snowball shown.

The debt ratios lenders actually use — debt-to-income, debt-to-asset, and how much headroom is left before each threshold.

The debt-to-equity ratio and the related leverage measures — how much of a balance sheet is borrowed money.

What price you can afford from your income, deposit and existing debts — using the debt-to-income limits lenders apply.

What car you can afford — not just the repayment, but the running costs that decide whether it actually fits.

Net worth split into what you could reach quickly and what you could not — the distinction that matters in an emergency.

The annual cost of a list of subscriptions, what they compound to if invested instead, and which ones dominate the total.

The leverage ratio and what it does to returns — magnified in both directions, with the loss that wipes out the equity.

Income split across needs, wants and savings — the 50/30/20 rule, checked against what you actually spend.