Clear answers for money decisions.
Loans, investing and business finance, worked out instantly. Private, accurate and explained in plain English.
20% down, 30-year fixed.
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Popular calculators
- Mortgage CalculatorMonthly payment with tax, insurance and HOA.
- Compound Interest CalculatorGrowth from interest earned on interest.
- Loan CalculatorPayment and total interest for any fixed-rate loan.
- ROI CalculatorReturn on investment, total and per year.
- Retirement CalculatorYour nest egg and the income it could support.
- Break-Even CalculatorUnits and revenue needed to cover costs.
- Mortgage CalculatorMonthly payment with tax, insurance and HOA.
- Loan CalculatorPayment and total interest for any fixed-rate loan.
- Auto Loan CalculatorCar payment after down payment, trade-in and tax.
- Amortization CalculatorYear-by-year schedule, with extra payments.
- Loan Payoff CalculatorHow fast extra payments clear a loan.
- Credit Card Payoff CalculatorMonths and interest to clear a card balance.
- Debt-to-Income CalculatorYour DTI ratio, the number lenders check first.
- Home Affordability CalculatorThe home price your income supports.
- Refinance CalculatorMonthly savings and break-even on a new rate.
- APR CalculatorThe true yearly cost of a loan once fees count.
- Compound Interest CalculatorGrowth from interest earned on interest.
- Simple Interest CalculatorInterest on the original amount only.
- Savings Goal CalculatorHow much to save each month to hit a target.
- ROI CalculatorReturn on investment, total and per year.
- CAGR CalculatorSmoothed yearly growth between two values.
- Retirement CalculatorYour nest egg and the income it could support.
- Future Value CalculatorWhat money today is worth later.
- Present Value CalculatorWhat a future sum is worth in today's money.
- Inflation CalculatorHow rising prices change what money buys.
- Rule of 72 CalculatorHow long money takes to double.
- APY CalculatorTurn a stated rate into the yield you earn.
- CD CalculatorValue of a fixed-term deposit at maturity.
Business & Real Estate11
See allTest prices, projects and funding with the numbers lenders and investors use.
- Break-Even CalculatorUnits and revenue needed to cover costs.
- Profit Margin CalculatorGross and net margin from revenue and costs.
- Markup CalculatorSelling price and margin from cost and markup.
- Working Capital CalculatorShort-term cushion and current ratio.
- NPV CalculatorA project's value in today's money.
- IRR CalculatorThe yearly return a project really earns.
- Payback Period CalculatorYears until an investment pays for itself.
- WACC CalculatorBlended cost of equity and debt.
- Cap Rate CalculatorRental property return before financing.
- DSCR CalculatorWhether income covers the loan payments.
- Business Loan CalculatorPayment and true cost, including fees.
No calculator matches that. Try a word like "loan", "interest" or "margin".
- How Compound Interest WorksLearn how compound interest works, how it differs from simple interest, the formula behind it, and how time, rate and frequency change the result.4 min read
- APR vs APY: What Is the Difference?APR and APY both describe a yearly rate, but only APY includes compounding. Learn how to convert between them and which to compare for loans and savings.4 min read
- How Loan Amortization WorksSee how a fixed loan payment is split between interest and principal, why early payments are mostly interest, and how extra payments shorten a loan.4 min read
- How Much House Can I Afford?Estimate a home budget using the 28/36 rule, debt-to-income, down payment, rate and term, plus taxes, insurance and upkeep. Includes a worked example.4 min read
- NPV vs IRR: What They Measure and When They DisagreeNPV measures value added in dollars and IRR measures a percentage return. Learn how each is calculated, where they disagree and which one to trust.4 min read
- What Is Working Capital?Working capital is current assets minus current liabilities. Learn the formula, the current ratio, the cash conversion cycle and ways to improve it.4 min read
Frequently asked questions
Are these calculators free?
Yes. Every calculator on Capital Calculators is free, with no sign-up and no limit on how often you use it.
Do you store the numbers I enter?
No. All calculations run inside your browser. The values you type are not sent to our servers. If you use the copy link button, the numbers are placed in that link so you can reopen or share the result yourself.
How accurate are the results?
The calculators use standard finance formulas, and each page shows the formula and a worked example. Results are estimates. Real loans and investments can differ because of fees, rounding, taxes and changing rates.
Can I use a currency other than US dollars?
Yes. Calculators that work with money have a currency menu. It changes the symbol and number format only, because the maths is the same in any currency. Your choice is remembered on your device.
Is this financial advice?
No. The tools and guides are for education and planning. They cannot account for your full situation. For major decisions, speak with a qualified adviser, lender or accountant.