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Finance calculators that cut through the noise — instant answers on mortgages, loans, debt, and your real take-home pay.

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Mortgage Affordability Calculator

How much house can you actually afford? Enter your income and debts — we'll tell you your real number using the same 28/36 rule lenders use.

Your finances

$
$
$

Loan details

%
$

Your results

Max home price
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Loan amount
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Monthly payment
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incl. tax & insurance
Debt-to-income
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DTI ratio health—
0%28% — ideal36% — max50%
Principal & interest—
Property tax & insurance—
Existing debts—
Total monthly obligations—
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How to use this mortgage affordability calculator

This calculator uses the 28/36 rule — the standard guideline used by most US mortgage lenders. It works as follows: your monthly housing costs (principal, interest, taxes and insurance) should not exceed 28% of your gross monthly income, and your total monthly debt obligations should not exceed 36%.

  1. Enter your annual gross income — this is your income before taxes.
  2. Enter your monthly debt payments — include car loans, student loans, credit card minimums, and any other recurring debt. Do not include rent, as this will be replaced by your mortgage.
  3. Enter your down payment — the amount you have saved to put toward a home purchase.
  4. Adjust the interest rate — the current average 30-year fixed rate is pre-filled. Your actual rate depends on your credit score and lender.
  5. Add estimated property tax and insurance — a rough estimate of $200–$400/month works for most US markets as a starting point.

The calculator will instantly show you the maximum home price you can afford, your estimated monthly payment, and your debt-to-income ratio — the number lenders look at most closely.

What is the 28/36 rule?
The 28/36 rule is a widely used guideline for mortgage affordability. It states that no more than 28% of your gross monthly income should go toward housing expenses (mortgage principal, interest, taxes, and insurance), and no more than 36% should go toward all monthly debt payments combined. Most conventional lenders use this as a benchmark when evaluating mortgage applications.
Does this calculator account for my credit score?
No — your credit score significantly affects the interest rate you'll qualify for, which in turn affects how much you can borrow. A higher credit score typically means a lower interest rate and therefore a higher maximum loan amount. Use the interest rate field to manually adjust based on your estimated rate. You can check your credit score for free with most major banks or services like Credit Karma.
Should I include rent as a monthly debt payment?
No. Your current rent payment is not a debt — it will be replaced by your mortgage payment. Only include recurring debt obligations like car loans, student loans, personal loans, and minimum credit card payments.
What if my DTI is too high?
If your debt-to-income ratio is above 36%, lenders may decline your application or offer less favourable terms. You can improve your DTI by paying down existing debts before applying, increasing your income, or looking at a lower-priced home with a smaller loan amount.

Credit Card Payoff Calculator

Find out exactly when you'll be debt-free and how much interest your card is costing you every single month.

Your card details

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%
$

Your results

Debt-free in
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Total interest paid
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Total amount paid
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Interest as % of debt
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Original balance—
Total interest charges—
Total you'll repay—
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How to use this credit card payoff calculator

This calculator shows you exactly how long it will take to pay off your credit card balance at your current payment level — and more importantly, how much interest you'll pay along the way.

  1. Enter your current balance — the total amount you owe on the card right now.
  2. Enter your APR — you'll find this on your monthly statement or in your card's terms. The average US credit card APR is around 21–24%.
  3. Enter your planned monthly payment — try adjusting this to see how much faster you can pay off the debt by paying more each month.

Use this tool to motivate yourself — seeing the exact payoff date and total interest cost is often the push people need to increase their monthly payment.

What happens if I only pay the minimum?
Paying only the minimum each month is the most expensive way to repay credit card debt. On a $5,000 balance at 22% APR with a minimum payment of around 2% of the balance, it can take over 20 years to pay off and cost more in interest than the original debt. Always try to pay more than the minimum.
How is credit card interest calculated?
Credit card interest is typically calculated using your daily periodic rate (APR divided by 365) applied to your average daily balance. Our calculator uses a simplified monthly model which produces results very close to real-world figures for planning purposes.
Should I focus on the highest balance or highest rate first?
If you have multiple cards, the avalanche method (paying off the highest APR card first) saves the most money in interest. The snowball method (paying off the smallest balance first) provides quicker psychological wins and keeps people motivated. Both strategies work — choose the one you'll stick with.

Take-Home Pay Calculator

What does that salary actually put in your pocket? See your real take-home pay after federal income tax, Social Security, Medicare, and 401(k) contributions.

Your income

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%

Your results

Take-home per paycheck
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Monthly take-home
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Annual take-home
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Effective tax rate
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Gross annual salary—
Federal income tax—
Social Security (6.2%)—
Medicare (1.45%)—
401(k) contributions—
Annual take-home—

Uses 2024 federal tax brackets. State taxes not included. For estimation purposes only.

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How to use this take-home pay calculator

This calculator estimates your net pay after federal taxes and deductions using 2024 IRS tax brackets. State income taxes vary widely and are not included — add your estimated state tax rate to get a more complete picture.

  1. Enter your annual gross salary — your salary before any deductions.
  2. Select your filing status — this determines your standard deduction and tax brackets.
  3. Choose your pay frequency — how often you receive a paycheck.
  4. Enter your 401(k) contribution percentage — pre-tax 401(k) contributions reduce your taxable income, so increasing this lowers your tax bill.
Why is my actual paycheck different from this estimate?
Several factors can cause differences: state income tax (not included here), health insurance premiums, other pre-tax deductions, additional withholding you've requested on your W-4, local taxes, or different withholding methods used by your employer. This calculator provides a federal-only estimate.
What is an effective tax rate?
Your effective tax rate is the actual percentage of your total income that goes to federal income tax. It's different from your marginal tax rate (the rate on your last dollar of income). Because the US uses a progressive tax system, most of your income is taxed at lower rates — only the income above each threshold is taxed at the higher rate.
Does contributing more to my 401(k) really lower my taxes?
Yes. Traditional 401(k) contributions are made pre-tax, which reduces your taxable income. For example, if you earn $65,000 and contribute 10% ($6,500), you only pay income tax on $58,500. You'll pay tax on that money later when you withdraw it in retirement — but potentially at a lower rate.

Loan Comparison Calculator

Which loan is actually the better deal? The lower monthly payment isn't always the winner — find out which one costs you less in total.

Enter both loan offers

🟢 Loan A

$
%

🔵 Loan B

$
%

Side-by-side comparison

MetricLoan ALoan B
Monthly payment——
Total interest paid——
Total cost——
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How to use this loan comparison calculator

When comparing two loan offers, most people look at the monthly payment — but that can be misleading. A loan with a lower monthly payment might cost thousands more in total interest because it has a longer term or higher rate. This calculator reveals the true total cost of each loan so you can make an informed decision.

  1. Enter the details for Loan A — the amount, interest rate, and term from the first offer.
  2. Enter the details for Loan B — do the same for the second offer.
  3. Review the comparison — look at both the monthly payment and total cost. The better deal is highlighted.
Why might the cheaper monthly payment actually cost more?
A longer loan term spreads your payments over more months, making each payment smaller. But the bank charges interest every month — so the longer you're paying, the more interest accumulates. A 5-year loan at 7% will cost significantly more in total interest than a 3-year loan at the same rate, even though the monthly payment is lower.
Does this calculator include origination fees?
No — this calculator uses the stated interest rate only. Many loans include origination fees, application fees, or prepayment penalties that can change the true cost significantly. Always ask your lender for the full APR (Annual Percentage Rate), which includes fees, and use that figure for a more accurate comparison.
What if the loan amounts are different?
You can enter different loan amounts for each option — for example, if one lender approves you for a different amount. The calculator will still show you which deal has the lower total cost relative to what you're borrowing.