Free financial calculators

Every calculator and tool across the six Your Best Financial sites in one place: 62 in all. They are free, need no sign-up, and the ones that compare rates start from the same verified data our rankings use. Pick a task below; each tool opens on the site that runs it.

Savings, CDs and bank accounts

Work out what your cash earns and where it earns the most.

Bank Rate CheckupPick your bank and account and see where your rate ranks against every account anyone can open.Your Best SavingsSavings Account FinderFilter savings accounts and CDs by balance, time horizon and access, ranked by what they would earn you.Your Best SavingsCompound Interest CalculatorSee how savings and monthly deposits grow at today's best savings rate versus the national average.Your Best SavingsCD CalculatorInterest and balance at maturity for any deposit, APY and term.Your Best SavingsCD Ladder CalculatorSplit a deposit across CD rungs and see blended APY, interest and the next maturity.Your Best SavingsCD vs. HYSA CalculatorCompare locking a CD rate with keeping cash in a high-yield savings account.Your Best SavingsCD Early Withdrawal Penalty CalculatorWhat breaking a CD costs, and whether moving to a higher rate is worth the penalty.Your Best SavingsBank Bonus CalculatorTurn a bank account bonus into an effective annual rate and compare it with the best savings rate.Your Best SavingsFDIC Insurance CalculatorCheck whether your deposits are fully insured across accounts, owners and banks.Your Best SavingsTreasury Bond Ladder CalculatorBuild a Treasury ladder at today's yields and see each rung's interest and maturity value.Your Best SavingsTax Equivalent Yield CalculatorCompare tax-exempt yields such as munis with taxable CDs and savings for your bracket.Your Best Savings

Saving goals and planning

Set a target, then see how long it takes and where to keep the money.

Savings & Retirement PlannerSplit what you can save each month across the match, debt, emergency fund, HSA, IRA, 401(k), 529 and brokerage.Your Best SavingsCash Goal CalculatorCompare what savings, CDs, no-penalty CDs, T-bills and bank bonuses would earn before you need the money.Your Best SavingsEmergency Fund CalculatorSize your emergency fund from monthly essentials and see how long it takes to build.Your Best SavingsSavings Goal CalculatorHow long it takes to reach a goal from your balance, monthly deposit and APY.Your Best SavingsChristmas Savings CalculatorHow much to set aside each payday to reach a holiday budget, with a printable tracker.Your Best Savings

HSAs

The account with three tax breaks, worked out in dollars.

HSA Tax Benefits CalculatorYour income tax, payroll tax and tax-free growth savings from an HSA.Your Best SavingsHSA Investment CalculatorProject invested HSA growth over decades with no tax on gains.Your Best SavingsHDHP vs. PPO CalculatorWhich employer plan costs less after premiums, employer HSA money and tax savings.Your Best Health Plans

Credit cards

Rewards, fees and bonuses valued in dollars for your spending.

Credit Card Rewards CalculatorEnter monthly spending to see the best card, or pair of cards, for your rewards.Your Best CardsWhich Credit Card Should I Use?Add the cards you have and see which one to use for each type of purchase.Your Best CardsSign-Up Bonus CalculatorWhich welcome bonuses your normal spending can reach, valued after the annual fee.Your Best CardsAnnual Fee CalculatorWhether a card with an annual fee beats the best no-fee card for your spending and credits.Your Best CardsPoints & Miles Gap CalculatorHow many more points you need for a trip, and which programs transfer to it.Your Best Cards

Paying off debt

Payoff dates, interest cost and whether consolidating helps.

Credit Card Payoff CalculatorYour debt-free date and interest cost, and whether a 0% balance transfer saves money.Your Best CardsMinimum Payment CalculatorWhat paying only the minimum costs in time and interest.Your Best CardsCard Payoff and Utilization CalculatorMinimum versus fixed payments, and the month your utilization drops below 30% and 10%.Your Best Credit BuilderDebt Consolidation CalculatorWhether one personal loan, fee included, beats paying your debts as they are.Your Best Loan RatesDebt-to-Income CalculatorYour front-end and back-end DTI, and how a new loan payment would change it.Your Best Loan Rates

Building credit

Plan your credit, check your utilization and know when items fall off.

Credit RoadmapAnswer four questions for a month-by-month credit-building plan.Your Best Credit BuilderCredit Utilization CalculatorOverall and per-card utilization, with why the statement date matters.Your Best Credit BuilderAverage Age of Accounts CalculatorYour average account age, and how much one new card lowers it.Your Best Credit BuilderCredit Report Removal Date CalculatorWhen a late payment, collection, charge-off, bankruptcy or inquiry must come off your report.Your Best Credit BuilderCredit Builder Loan CalculatorThe monthly payment and true cost of a credit-builder loan.Your Best Credit Builder

Mortgages and home equity

Payments, closing costs and refinance break-even at today's rates.

Mortgage Payment CalculatorMonthly principal, interest, taxes and insurance, with an amortization schedule.Your Best Loan RatesClosing Cost CalculatorClosing costs and cash to close in any state, from sourced state taxes and current quotes.Your Best Loan RatesMortgage Refinance CalculatorYour new payment, monthly savings and the month a refinance pays for itself.Your Best Loan RatesExtra Payment CalculatorThe interest and time that extra payments save on a mortgage or any fixed-rate loan.Your Best Loan RatesHELOC CalculatorHELOC and home equity payments, and what tapping your equity really costs.Your Best Loan Rates

Personal, auto, student and business loans

Payments and total cost before you apply.

Personal Loan CalculatorPayment, total interest and payoff schedule, with a term comparison.Your Best Loan RatesAuto Loan CalculatorCar loan payment, total interest and payoff schedule.Your Best Loan RatesCar Affordability CalculatorWork back from a monthly payment to the most you can pay for a car, with your state's tax and fees.Your Best Loan RatesStudent Loan Refinance CalculatorYour new payment and interest savings from refinancing student loans.Your Best Loan RatesFactor Rate CalculatorTurn a merchant cash advance or short-term business loan factor rate into an APR.Your Best Loan Rates

Health insurance and Medicare

Subsidies, surcharges and penalties from official CMS and IRS rules.

ACA Subsidy CalculatorEstimate your Marketplace premium tax credit from household income and size.Your Best Health PlansMetal Tier CalculatorBronze, silver and gold plans by total yearly cost, and the break-even point between them.Your Best Health PlansIRMAA CalculatorWhether your income adds a surcharge to your Medicare Part B and Part D premiums.Your Best Health PlansMedicare Late Enrollment Penalty CalculatorThe lifetime Part B and Part D penalties for a gap in coverage.Your Best Health Plans

Taxes

Estimate what you owe or get back, and whether to file it yourself.

Should I Do My Own Taxes?A few questions on whether to file your own return and which tax software fits.Your Best TaxesTax Refund CalculatorEstimate your federal refund from wages, withholding and credits.Your Best TaxesItemized vs. Standard Deduction CalculatorWhether itemizing beats the standard deduction for you.Your Best TaxesNo Tax on Tips & Overtime CalculatorYour Schedule 1-A deductions for tips, overtime, car-loan interest and seniors.Your Best TaxesSelf-Employment Tax CalculatorSelf-employment and income tax on net profit, with quarterly estimates.Your Best TaxesCapital Gains Tax CalculatorFederal tax on stock, fund and crypto sales, short and long term.Your Best Taxes

Canada

For Canadian savers: registered accounts and GICs.

GIC CalculatorWhat a GIC earns at today's best rates, and a GIC ladder across one to five years.Your Best SavingsTFSA Room CalculatorYour TFSA contribution room from contributions and withdrawals since you turned 18.Your Best SavingsRRSP Tax Refund CalculatorThe tax saving from an RRSP contribution in every province and territory except Quebec.Your Best SavingsFHSA CalculatorYour First Home Savings Account room, tax refund and growth by the time you buy.Your Best Savings

More calculators

Recently added across the network.

Aca Subsidy Cliff CalculatorYour Best Health PlansHsa Contribution CalculatorYour Best Health PlansLifetime Medicare Cost CalculatorYour Best Health PlansMedicare Prescription Payment Plan CalculatorYour Best Health Plans

Calculators give estimates from the numbers you enter and the rules or rates each page cites. Confirm current rates and terms with the institution, and tax or Medicare figures with the IRS, CMS or a professional, before you act. See the methodology for how the network checks its data.