Savings
Loan, savings, investing and planning calculators using standard amortization mathematics, transparent assumptions and cited conventions.
Net Worth Calculator
Calculate your net worth by entering assets (cash, investments, real estate) and liabilities (mortgage, loans, credit cards). See your financial snapshot.
Simple Interest Calculator
Calculate simple interest with I = P·r·t. Find total interest earned or owed and the final amount for any principal, rate, and time period.
Inflation Calculator
Calculate the future cost of goods and the purchasing power of money at a given inflation rate. Uses the compound inflation formula with CPI reference.
Savings Calculator
Project your savings growth from an initial balance and monthly deposits with compound interest. See total contributions and interest earned.
Budget Calculator
Calculate what's left after monthly expenses, your savings rate, and your housing cost share of income — a full monthly budget snapshot.
50/30/20 Budget Calculator
Split your after-tax income into the 50/30/20 rule: 50% needs, 30% wants, 20% savings and debt repayment, from Elizabeth Warren's All Your Worth.
Savings Goal Calculator
Calculate the monthly contribution needed to reach a savings goal by a target date, accounting for growth on your current balance.
APY Calculator
Convert a nominal interest rate and compounding frequency into annual percentage yield (APY) and estimated yearly earnings on a deposit.
Effective Annual Rate (EAR) Calculator
Convert a nominal interest rate and compounding frequency into the effective annual rate (EAR) — the true annual cost or yield once compounding is included.
CD Calculator
Calculate a certificate of deposit's maturity value, interest earned, and equivalent APY from the deposit amount, rate, term and compounding frequency.
Savings Withdrawal Calculator
Calculate how long savings last with fixed monthly withdrawals while the balance keeps earning interest — or whether interest alone covers the withdrawal.
Sinking Fund Calculator
Calculate the monthly deposit needed to reach a savings target by a deadline, with interest doing part of the work: PMT = FV·r ÷ ((1+r)^n − 1).
Emergency Fund Calculator
Calculate your emergency fund target from monthly expenses and months of cover, your current shortfall, and how long it takes to close at your saving rate.
Opportunity Cost Calculator
Calculate the opportunity cost of spending money instead of investing it: the compound growth foregone over your time horizon at your expected return.