All calculators
Every calculator we have, by category. Looking for one state’s numbers instead?
Mortgage
Affordability, payment, refinance, equity, and first-time-buyer calculators — every step of buying and owning a home, by state.
- Affordability calculatorPick a state to use it
- Mortgage payment calculatorPick a state to use it
- Refinance calculatorPick a state to use it
- First-time buyer programsPick a state to use it
- HELOC / home equity loan calculatorPick a state to use it
- Mortgage points calculatorPick a state to use it
- ARM vs. fixed-rate calculatorPick a state to use it
- PMI removal calculatorPick a state to use it
- Monthly debt calculatorOne page, no state needed
Insurance
Premium estimates, replacement cost, coverage checks, deductible trade-offs, and renewal comparisons — by state.
Investment
Cap rate, cash-on-cash return, hold-period profit, and cash-to-close calculators for rental property, by state.
Retirement
401(k), IRA, brokerage, and long-term growth calculators — plus how each state taxes retirement income.
- Retirement tax by statePick a state to use it
- Brokerage account growthPick a state to use it
- Roth vs. TraditionalPick a state to use it
- Contribution limit optimizerOne page, no state needed
- Required minimum distributionOne page, no state needed
- Backdoor Roth pro-rataOne page, no state needed
- Self-directed IRA real estate (UDFI)One page, no state needed
Loans
Auto and personal loan payment, payoff, and affordability calculators.
- Auto loan calculatorPick a state to use it
- Auto lease calculatorPick a state to use it
- Loan payoff calculatorOne page, no state needed
- 0% APR vs. cash rebateOne page, no state needed
- Personal loan calculatorOne page, no state needed
- Debt consolidation calculatorOne page, no state needed
- Auto refinance calculatorOne page, no state needed
- Lease vs. buy a carPick a state to use it
Budget
Budget splits, emergency-fund targets, and savings goals — built on take-home pay rather than salary.
Salary
What a salary actually leaves you after federal tax, FICA, and your own state's brackets — for all 50 states.
Rent
Rent affordability against take-home pay, and the honest rent-vs-buy break-even — using HUD's own fair market rents.