MoniCalculator Pro

Calculators for everyday decisions

Free calculators for everyday decisions

Plan a credit card payoff, check whether a car fits your student budget, and compare the numbers before you decide. Simple tools, clear results, no signup required.

Savings & Budgeting

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Compound Interest Calculator See how a balance grows with monthly compounding and regular deposits. Estimates only, since real returns change and are not guaranteed. See more → Emergency Fund Calculator Work out how much to keep in an emergency fund from your essential monthly expenses, and how long it takes to reach it at your savings pace. See more → Savings Goal Calculator Work out the steady monthly deposit you need to reach a savings goal in a set number of years, with any starting savings and interest included. See more → Inflation Calculator See what an amount of money will cost in the future at a yearly inflation rate you choose, and how much buying power it loses over time. See more → 50/30/20 Budget Calculator Split your monthly take-home pay into needs, wants, and savings using the 50/30/20 guide, then adjust the plan to your own costs. See more → Monthly Budget Calculator Add up your monthly costs against take-home pay to see what is left each month, and how much of your income the costs use. See more →

Personal Finance

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Debt payoff calculator See how long a credit card balance takes to clear, how much goes to interest, and what a bigger payment changes. See more → Debt Snowball Calculator See how long three debts take to clear when you pay minimums on each and put every extra dollar toward the smallest balance first. See more → Debt Avalanche Calculator See how long three debts take to clear when you pay minimums on each and put every extra dollar toward the highest interest rate first. See more → Credit Utilization Calculator Work out the share of your total credit limit in use across two cards, and how much to pay down to reach the share you want. See more → Debt Consolidation Calculator Compare paying your current debts with one consolidation loan for the same total, including the fee, to see which costs less in interest. See more → Credit Card Cash Back Calculator Estimate the yearly cash back from card spending, minus any annual fee, to see whether a rewards card is worth it for your spending. See more →

Auto & Transport

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Car payment for students Estimate a car loan payment, the cash needed at signing, and whether the car fits a student budget. See more → Auto Loan Refinance Calculator Compare what you still owe on a car loan with a new loan at a different rate and term, and see the monthly saving and the interest difference. See more → Lease vs Buy Calculator Compare the cost of leasing a car with buying it on a loan over the same period, counting the value left in the car at the end. See more → Total Cost of Ownership Calculator Add up what a car loses in value and what it costs to run each year, then see the total and the monthly cost of owning it. See more → Car Depreciation Calculator Estimate what a car will be worth after a number of years at a yearly depreciation rate you choose, and how much value it loses. See more → Gas Mileage Cost Calculator Estimate what fuel costs for a car over a year, a month, and per mile, from the miles you drive, the fuel economy, and the price you pay. See more →

All calculators

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Debt payoff calculator See how long a credit card balance takes to clear, how much goes to interest, and what a bigger payment changes. See more → Car payment for students Estimate a car loan payment, the cash needed at signing, and whether the car fits a student budget. See more → House payment calculator Estimate a monthly house payment with principal, interest, property tax, insurance, PMI, and HOA fees. Compare shorter and longer loan terms. See more → Loan Payment Calculator Estimate the monthly payment on any fixed-rate loan from the amount, the interest rate, and the term. See the total interest and the total you repay. See more → Compound Interest Calculator See how a balance grows with monthly compounding and regular deposits. Estimates only, since real returns change and are not guaranteed. See more → Emergency Fund Calculator Work out how much to keep in an emergency fund from your essential monthly expenses, and how long it takes to reach it at your savings pace. See more → Savings Goal Calculator Work out the steady monthly deposit you need to reach a savings goal in a set number of years, with any starting savings and interest included. See more → Inflation Calculator See what an amount of money will cost in the future at a yearly inflation rate you choose, and how much buying power it loses over time. See more → 50/30/20 Budget Calculator Split your monthly take-home pay into needs, wants, and savings using the 50/30/20 guide, then adjust the plan to your own costs. See more → Monthly Budget Calculator Add up your monthly costs against take-home pay to see what is left each month, and how much of your income the costs use. See more → Auto Loan Refinance Calculator Compare what you still owe on a car loan with a new loan at a different rate and term, and see the monthly saving and the interest difference. See more → Lease vs Buy Calculator Compare the cost of leasing a car with buying it on a loan over the same period, counting the value left in the car at the end. See more → Total Cost of Ownership Calculator Add up what a car loses in value and what it costs to run each year, then see the total and the monthly cost of owning it. See more → Car Depreciation Calculator Estimate what a car will be worth after a number of years at a yearly depreciation rate you choose, and how much value it loses. See more → Gas Mileage Cost Calculator Estimate what fuel costs for a car over a year, a month, and per mile, from the miles you drive, the fuel economy, and the price you pay. See more → Amortization Calculator See how a loan is paid down over time, with the payment, the interest and principal paid in any year, and the balance left at the end of that year. See more → Debt-to-Income Calculator Work out the share of your gross monthly income that goes to debt payments, before and after a new loan payment. See more → Loan Comparison Calculator Put two loan offers for the same amount side by side, with the monthly payment and the total cost of each, and see which one costs less. See more → Simple Interest Calculator Work out simple interest on a loan or deposit from the principal, the yearly rate, and the number of years, with no interest on interest. See more → APR Calculator Estimate the annual percentage rate of a loan that includes upfront fees, so you can compare a loan with fees against one without. See more → Mortgage Refinance Calculator Compare your current mortgage with a refinanced one, including the new payment, the monthly saving, and how long the closing costs take to pay back. See more → HELOC Payment Calculator See the interest-only payment during the draw period of a home equity line of credit, and the higher payment once repayment starts. See more → Rent vs Buy Calculator Compare the cost of buying a home with the cost of renting over the same number of years, counting the equity you build and the rent increases. See more → Home Affordability Calculator Find the most expensive home that keeps the monthly housing payment within the share of income you choose, including tax and insurance. See more → Mortgage Closing Cost Calculator Add up the fees you expect to pay at a mortgage closing, and the cash needed to close, including your down payment. See more → Debt Snowball Calculator See how long three debts take to clear when you pay minimums on each and put every extra dollar toward the smallest balance first. See more → Debt Avalanche Calculator See how long three debts take to clear when you pay minimums on each and put every extra dollar toward the highest interest rate first. See more → Credit Utilization Calculator Work out the share of your total credit limit in use across two cards, and how much to pay down to reach the share you want. See more → Debt Consolidation Calculator Compare paying your current debts with one consolidation loan for the same total, including the fee, to see which costs less in interest. See more → Credit Card Cash Back Calculator Estimate the yearly cash back from card spending, minus any annual fee, to see whether a rewards card is worth it for your spending. See more → Net Worth Calculator Add up what you own and what you owe to see your net worth, with cash, investments, home value, and each debt itemized. See more → Paycheck Calculator Estimate your take-home pay per paycheck from your salary, a flat tax rate you choose, retirement contributions, and health premiums. See more → Student Loan Repayment Calculator Estimate the monthly payment on a fixed-rate student loan over a standard term, and see how an extra payment shortens it and cuts interest. See more → College Tuition Calculator Estimate the total tuition for a degree when the yearly price rises by a set percentage, and see what the final year could cost. See more → College Savings Calculator See what college will cost in the future after tuition increases, and the monthly deposit that would build that amount from your savings today. See more → Student Living Expenses Calculator Add up a typical month of student living costs, including rent, food, transport, and school costs, and see what is left from your income. See more → Personal Loan vs Credit Card Calculator Compare paying off a credit card balance with a personal loan for the same amount, including the loan fee, to see which one costs less in total. See more →

Categories

Personal FinanceDebt, savings, and payoff planning. Auto & TransportCar loans and monthly ownership costs. Home & HousingMortgage payments and the full monthly cost of a home. Loans & CreditLoan payments, interest, and what a loan really costs. Student FinanceStudent loans, college costs, and student budgets. Savings & BudgetingSavings goals, emergency funds, and growth over time.

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