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Calcora

Understand the number.

Financial calculators that help you understand the number.

Calcora shows the result, how it was calculated, and the assumptions behind it, starting with calculators for paying off debt, understanding loans, and seeing how savings can grow.

Browse calculatorsHow we calculate

Every calculator is built to show

  1. The result

    A clear answer to the question you asked.

  2. How it was calculated

    The formula, explained in plain language.

  3. What it assumes

    Compounding, timing, and rounding, stated up front.

  4. What changes it

    How different inputs would change the outcome.

Calculators

Each calculator explains its result, not just displays it.

View all calculators

Debt

  • Debt Payoff Calculator

    Estimate when you could be debt-free and how much interest you would pay across multiple debts.

  • Credit Card Payoff Calculator

    See how long it could take to pay off a credit card balance and how your monthly payment changes the interest you pay.

Loans

  • Loan Calculator

    Estimate a loan's monthly payment, interest, and total cost with fees, and see how extra monthly payments could shorten the payoff time.

  • Amortization Calculator

    Calculate a fixed monthly loan payment and see how each payment is split between principal and interest over the life of the loan.

  • Car Loan Calculator

    Estimate your monthly car payment, the amount financed after your down payment and trade-in, and the interest the loan will cost.

Housing

  • Mortgage Calculator

    Estimate your monthly housing payment: principal and interest plus property tax, insurance, and HOA, and see how extra payments could shorten your mortgage.

  • Mortgage Refinance Calculator

    Compare your current mortgage with a refinance at a new rate and term: monthly payment, closing costs, break-even, and estimated lifetime savings.

  • Home Affordability Calculator

    Estimate a home price from your income, monthly debt, down payment, and mortgage rate, using debt-to-income ratios you choose. A planning estimate.

  • Down Payment Calculator

    Work out the down payment for a home price and percentage, your savings gap, and the savings timeline or monthly savings to reach it.

  • Rent vs Buy Calculator

    Compare renting with buying a home over your stay: mortgage, home equity, ownership costs, the investment opportunity cost, and break-even.

Saving and investing

  • Compound Interest Calculator

    See how an initial investment and monthly contributions could grow with compound interest, and how much of the balance comes from growth.

  • Savings Calculator

    Project how your savings could grow, or work out how much to save each month to reach a savings goal by a target date.

  • Investment Return Calculator

    Measure an investment's gain or loss, total return, and annualized return, and see how much fees reduced it.

  • Retirement Calculator

    Project your retirement savings at the age you plan to retire, from current savings and monthly contributions, and compare them with an optional goal.

  • 401(k) Calculator

    Project your 401(k) balance at retirement from your current balance, salary, contribution rate, employer match, retirement age, and expected return.

  • Inflation Calculator

    See how inflation changes purchasing power: what something could cost in the future, what a future amount is worth today, and how prices grow over time.

Income and work

  • Salary to Hourly Calculator

    Convert an annual salary into an equivalent hourly rate from your hours per week and weeks worked per year, with weekly and monthly gross pay.

  • Hourly to Salary Calculator

    Convert an hourly rate into weekly pay, monthly gross pay, and an estimated annual salary from your hours per week and weeks worked per year.

Personal finance

  • Net Worth Calculator

    Calculate your current net worth: add up your assets, subtract your liabilities and debts, and see what makes up each side.

Built to be trusted

A number is only useful if you know where it came from and how much to rely on it.

Read the methodology

  • Calculations are tested

    Financial logic is kept separate from the interface and covered by automated tests.

  • Your numbers stay local

    Calculators are designed to run in your browser, so your inputs are not sent to Calcora.

  • Results are educational estimates

    Results help you understand your options. They are not financial advice.