Calculator library
All financial calculators
Browse every ToolGrym calculator by the decision it helps you make. Each tool is free, runs in your browser, and explains the assumptions and formula behind the answer.
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Loan & Debt Calculators
Mortgages, car loans, payoff plans, and debt-elimination strategies — see exactly what borrowing costs you.
- Mortgage CalculatorEstimate a complete monthly mortgage payment with principal, interest, property tax, insurance, PMI, and HOA dues. See total interest and loan cost.
- Loan Payoff CalculatorSee when any loan will be paid off and how much interest and time extra payments save you. Works for personal loans, auto loans, and more.
- Car Loan CalculatorEstimate your monthly car payment including trade-in value, down payment, and sales tax. See total interest and the full cost of your auto loan.
- Debt Snowball CalculatorCompare the debt snowball and avalanche methods with your real balances. See your debt-free date, payoff order, and total interest for each strategy.
- Mortgage Affordability CalculatorFind the home price your income supports using the 28/36 rule lenders use, including your debts, down payment, taxes, and insurance.
- Refinance CalculatorSee if refinancing pays off: new payment, monthly savings, break-even point on closing costs, and lifetime interest compared with your current loan.
- Personal Loan CalculatorCalculate your personal loan payment, total interest, and the cash you actually receive after origination fees. Compare terms instantly.
- Student Loan CalculatorCalculate your monthly student loan payment, total interest, and how much faster extra payments clear the debt. Works for federal and private loans.
- Student Loan Refinance CalculatorCompare your current student loan with a refinance offer. See the new payment, monthly savings, break-even time, and lifetime interest trade-off.
- Credit Card Payoff CalculatorSee when your credit card will be paid off with a fixed payment — and what minimum payments would really cost you in years and interest.
- Credit Utilization CalculatorCalculate total and per-card credit utilization, then see exactly how much to pay down to reach your target ratio. Private and instant.
- Credit Card Balance Transfer CalculatorCompare a balance transfer with keeping your current card. Include the transfer fee, promo APR, post-promo APR, payoff time, and real savings.
- Biweekly Mortgage Payment CalculatorCompare monthly and accelerated biweekly mortgage payments. See your biweekly amount, new payoff date, time saved, and interest savings.
- Debt-to-Income Ratio CalculatorCalculate your front-end and back-end DTI the way lenders do, see how you rate against the 36% and 43% thresholds, and what room you have left.
- Rent vs. Buy CalculatorCompare renting and buying with mortgage, PMI, HOA, equity, appreciation, rent growth, selling costs, and invested cash.
- Mortgage Amortization CalculatorBuild an annual mortgage amortization schedule and see how monthly extra principal changes payoff time, total interest, and remaining balance.
- Down Payment & PMI CalculatorEstimate cash down, starting loan-to-value, monthly PMI, total PMI, and when scheduled mortgage principal may reach 80% LTV.
- Credit Card Minimum Payment CalculatorEstimate payoff time and interest with a declining credit-card minimum payment, then compare a fixed monthly payment using the same balance and APR.
- Debt Consolidation CalculatorCompare current debt with a consolidation loan, including APR, loan term, financed origination fee, monthly payment, and complete finance cost.
- Mortgage Points CalculatorCompare mortgage payments with and without discount points, calculate the break-even month, and test net savings for the time you expect to keep the loan.
- Mortgage APR CalculatorEstimate mortgage APR from the interest rate, term, discount points, and prepaid finance charges. Compare APR, payment, interest, and TIP.
- Car Lease vs. Buy CalculatorCompare leasing and buying a car over the same period, including down payments, monthly payments, loan balance, depreciation, maintenance, and equity.
- Buyer Closing Costs CalculatorEstimate buyer closing costs and cash to close from the down payment, lender fees, points, title costs, inspections, prepaids, credits, and deposits.
- FHA Loan CalculatorEstimate an FHA mortgage payment with upfront MIP, annual MIP, down payment, rate, and term. Adjust fees to match your Loan Estimate.
- VA Loan CalculatorEstimate a VA home-loan payment with an optional financed funding fee, down payment, rate, and term. No monthly mortgage insurance is modeled.
- USDA Loan CalculatorEstimate a USDA guaranteed-loan payment with the upfront guarantee fee, annual fee, rate, term, and optional down payment.
- Adjustable-Rate Mortgage CalculatorCompare an adjustable-rate mortgage initial payment with a reset-rate stress case after the fixed period. See the payment change clearly.
- HELOC Payment CalculatorEstimate a HELOC interest-only draw payment and the fully amortizing repayment payment, including the payment jump after the draw period.
- Home Equity Loan CalculatorEstimate a fixed-rate home equity loan payment, total interest, and combined payment with your existing mortgage.
- Cash-Out Refinance CalculatorEstimate a cash-out refinance payment, new loan balance, loan-to-value ratio, and interest cost after taking equity from your home.
- Credit Card Interest CalculatorEstimate first-month credit-card interest, total interest, and payoff time at a fixed monthly payment. APR and issuer rules vary.
Savings, Budget & Investment Calculators
Build a workable budget, fund savings goals, and see how investments, fees, and inflation change money over time.
- Compound Interest CalculatorCalculate compound interest with regular contributions and any compounding frequency. See year-by-year growth on a chart and the formula behind it.
- Simple Interest CalculatorCalculate simple interest from principal, annual rate, and time. See total interest, final amount, daily interest, and a compound-interest comparison.
- Savings Goal CalculatorFind out exactly how much to save each month to reach any savings goal by your target date, with or without interest on your balance.
- APY CalculatorConvert a stated interest rate to APY or back again for daily, monthly, quarterly, semiannual, and annual compounding. See one-year interest on a deposit.
- Emergency Fund CalculatorSize your emergency fund from your real monthly expenses, see how many months of coverage you have today, and get a monthly plan to close the gap.
- CD CalculatorCalculate what your CD will be worth at maturity, the interest earned, and the effective APY for any rate, term, and compounding frequency.
- Inflation CalculatorSee what inflation does to your money: future cost of today's expenses and what a dollar amount will really buy in 10, 20, or 30 years.
- Investment Fee CalculatorSee how an annual expense ratio reduces your ending portfolio through direct fees and lost compounding across decades of regular contributions.
- Monthly Budget CalculatorBuild a monthly budget from take-home income and expenses, see money left or overspent, and compare needs, wants, savings, and debt with 50/30/20.
- Investment CalculatorProject investment growth from a starting balance and monthly deposits. Include annual fees and compare the future balance with value in today’s dollars.
Retirement Calculators
401(k)s, IRAs, employer matches, and FIRE timelines — find out if your future self is on track.
- Retirement CalculatorProject your retirement savings with employer match, annual raises, and inflation. See your nest egg in today's dollars, year by year.
- FIRE CalculatorCalculate how many years until financial independence based on your savings rate, using the 4% rule. See how saving more moves your FIRE date.
- 401(k) CalculatorProject your 401(k) balance at retirement with employer matching and annual raises — and see exactly what the match adds over your career.
- Roth IRA CalculatorProject your Roth IRA balance and see how much tax you avoid with tax-free growth compared with a taxable account. Instant, free, accurate.
- Coast FIRE CalculatorCalculate the retirement balance needed today to coast without new contributions, using spending, retirement age, return, inflation, and withdrawal rate.
- Required Minimum Distribution CalculatorEstimate a required minimum distribution from a retirement balance and the IRS distribution period. Use the official IRS table for the exact factor.
- Social Security Claiming CalculatorCompare Social Security benefits at different claiming ages and estimate a simple break-even age. Replace assumptions with your personal SSA estimate.
Income & Pay Calculators
Hourly-to-salary conversion, overtime pay, and net worth — know exactly what your work and assets are worth.
- Hourly to Salary & Salary to Hourly CalculatorConvert hourly pay to annual salary or salary back to an hourly rate, with adjustable hours per week and weeks per year. Instant, accurate, free.
- Overtime Pay CalculatorCalculate your weekly and annual pay with overtime at 1.5×, 2×, or any multiplier — and see exactly what those extra hours add per year.
- Net Worth CalculatorAdd up what you own, subtract what you owe, and get the single number that tracks your financial progress. Itemized, instant, private.
- 2026 Take-Home Pay CalculatorEstimate 2026 take-home pay using federal tax brackets, standard deductions, Social Security, Medicare, pre-tax deductions, and a state-rate input.
- Profit Margin CalculatorCalculate profit after cost of goods and operating expenses, then see the percentage of revenue your business retains.
Federal Tax Calculators
Estimate federal liability, refunds, self-employment tax, and capital-gains tax with current IRS thresholds shown clearly.
- 2026 Federal Income Tax CalculatorEstimate 2026 federal income tax using current brackets, filing status, deductions, and credits. See taxable income, marginal rate, and effective rate.
- 2026 Tax Refund EstimatorEstimate a 2026 federal refund or amount owed from projected tax liability, withholding, payments, deductions, and nonrefundable credits.
- 2026 Self-Employment Tax CalculatorEstimate 2026 self-employment tax on business profit, including Social Security, Medicare, Additional Medicare tax, and the deductible half.
- 2026 Capital Gains Tax CalculatorEstimate 2026 federal tax on short- and long-term capital gains using ordinary brackets and the 0%, 15%, and 20% long-term thresholds.
- Quarterly Estimated Tax CalculatorEstimate quarterly federal tax payments from projected tax, withholding, prior-year tax, and a safe-harbor percentage. Confirm with Form 1040-ES.
- State Income Tax CalculatorEstimate state income tax from taxable income and an editable effective rate. State brackets, deductions, credits, and local taxes vary.
Keep learning
From an answer to a decision
A calculator gives you a number; the next step is understanding what moves it. Read the financial guides for plain-English explanations, or use the financial glossary when a term in a loan offer or account statement needs a definition.