Financial calculators
The Money line has seven calculators for borrowing, saving and spending: mortgage and loan payments with total interest, compound growth for investments, retirement savings with the 4% rule, a 50/30/20 budget, a debt payoff timeline and a currency converter. Each uses the standard formula and shows it, so you can check the numbers yourself.
8 tools on the Money line
- Percentage CalculatorPercent of, percent change, tips and discounts. Also on the Math line.
- Mortgage CalculatorMonthly payment, total interest and payoff.
- Loan CalculatorPayments for car, student and personal loans.
- Currency ConverterConvert between major world currencies.
- Investment CalculatorCompound growth with monthly contributions.
- Retirement CalculatorWhat your savings could be at retirement.
- Budget CalculatorIncome against expenses, split 50/30/20.
- Debt Payoff CalculatorHow long until a balance reaches zero.
Which calculator do I need?
Mortgage Calculator
Monthly payment including property tax and insurance, the loan amount after your down payment, and total interest over 15, 20 or 30 years.
Loan Calculator
Car, student and personal loans: monthly payment, total interest and total cost for terms from 36 to 84 months.
Investment Calculator
How a starting amount plus monthly contributions grows with compound returns, with a year-by-year growth line.
Retirement Calculator
Projected savings at your retirement age, the same figure in today's money, and the monthly income it supports at a 4% withdrawal rate.
Budget Calculator
Take-home pay against housing, bills, food and everything else, checked against the 50/30/20 rule.
Debt Payoff Calculator
How many months until a balance reaches zero at a fixed monthly payment, and how much interest you pay on the way.
Currency Converter
Convert an amount between major world currencies before you travel, shop abroad or send money.
Questions about money tools
Can these calculators replace financial advice?
No. They show the arithmetic behind a decision, such as how a rate change moves a monthly payment, but they do not know your tax position, fees or lender terms. Use them to compare options, then confirm the figures with your lender or a qualified adviser.
Why does my lender quote a different monthly payment?
Lenders may add mortgage insurance, escrow for taxes and insurance, fees rolled into the loan, or a different first payment date. The calculator uses the standard amortization formula with the inputs you give it, so enter your tax and insurance figures to compare like for like.