Money calculators for borrowing, saving and everyday math
Ten calculators in US dollars for the questions behind most money decisions: what a loan really costs, how savings grow, how to reach a goal, and how to split a bill without the mental math.
When would you use these?
Money questions usually come in a sequence. You borrow or you save, you watch it grow, and you check the numbers along the way. The loan payment calculator shows the monthly payment, total interest and a full payment schedule for a car loan, a personal loan or a mortgage-style loan. On the saving side, the savings interest calculator compares simple and compound interest on a CD or savings account, and the compound interest calculator shows what a starting balance plus monthly deposits can become over decades.
For goals, the savings goal calculator works out how long it will take to reach a target or how much to deposit each month. If you invest, the dividend calculator turns shares and a dividend per share into income after tax, and the average down calculator shows your new average cost after you buy more.
Everyday tools round things out. The percentage calculator handles discounts, tips, tax and percent change. The bill split calculator divides a check fairly with the leftover cents handled neatly, the gas trip cost calculator estimates fuel costs from miles, MPG and the price per gallon, and the habit cost calculator shows what a small recurring expense such as a daily coffee adds up to over a year and ten years.
Which tool does what
| Tool | Answers | Useful if you are |
|---|---|---|
| Loan Payment Calculator | Monthly payment, total interest and a payment-by-payment schedule | Comparing auto, personal or mortgage-style loans |
| Savings Interest Calculator | Interest on a lump sum or monthly deposits, with simple or compound interest and tax | Comparing CDs and savings accounts |
| Compound Interest Calculator | Future value of a balance with monthly contributions, with a year-by-year chart | Long-term investing and retirement planning |
| Savings Goal Calculator | Months to reach a target, or the monthly amount needed by a deadline | Building an emergency fund or a down payment |
| Average Down Calculator | New average cost per share after more purchases, or shares needed for a target cost | Managing a position you have added to |
| Dividend Calculator | Dividend income after tax, yield and the investment needed for a monthly target | Planning income from dividend stocks |
| Percentage Calculator | Percent of a number, percent change, and what percent one number is of another | Discounts, tips, sales tax and grades |
| Bill Split Calculator | Each person's share of a check, with rounding and a payment note | Dinners, trips and shared expenses |
| Gas Trip Cost Calculator | Fuel cost from miles, MPG and price per gallon, and each rider's share | Road trips and commuting budgets |
| Habit Cost Calculator | Daily, weekly, monthly, yearly and 10-year cost of small recurring spending | Seeing what coffee, takeout or subscriptions add up to |
Frequently asked questions
Are the results exact?
They use standard formulas and the numbers you enter, so they are reliable for planning. Real accounts and lenders can differ because of fees, day-count rules, rate changes and rounding.
Which calculator should I use to compare savings accounts?
Use the savings interest calculator for a lump sum or monthly deposits, and compare accounts on APY, not just the headline rate. The compound interest calculator is better for long timelines.
Do the tax options give me my actual tax?
No. Tax choices are examples such as a 22% bracket so you can see the effect. Your actual rate depends on your income, filing status, state and account type.
Can I use these for investing decisions?
They do arithmetic, not advice. Returns are not guaranteed, and past performance does not predict future results. Consider speaking with a licensed financial professional.
Is my financial information stored?
No. Every calculator runs in your browser, and what you type is not uploaded. A few tools can save your last inputs on your own device for convenience.
Results are estimates for planning and are not financial, tax or investment advice. Confirm important numbers with your lender, bank or a qualified professional.