SmartRateToolsFinancial Calculators
Free calculators for real money decisions, from debt payoff to mortgage planning to retirement projections. Use your own numbers and compare scenarios in minutes.
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Mortgage Calculator
Calculate your monthly payment, total interest, and see the full amortization schedule for any home loan.
Compound Interest Calculator
See how your money grows over time with compounding returns. Includes monthly contributions and year-by-year projections.
Budget Calculator
Plan your monthly spending using the 50/30/20 rule and compare your needs, wants, and savings against recommended targets.
Debt Payoff Calculator
Compare snowball vs avalanche payoff strategies and estimate your debt-free timeline based on your monthly payment budget.
Savings Goal Calculator
Estimate how much you need to save each month to hit a target balance by a specific deadline.
Emergency Fund Calculator
Set your target cash buffer in months of essential expenses and estimate your timeline to get fully funded.
Retirement Calculator
Project your retirement nest egg and estimate possible monthly retirement income based on your assumptions.
Roth IRA vs Traditional IRA Calculator
Compare projected after-tax retirement value based on your age, contribution amount, and tax-rate assumptions.
Marginal Tax Rate Calculator 2026
Estimate your 2026 federal marginal and effective tax rates by filing status and taxable income.
PMI Removal Calculator
Estimate when your mortgage may reach 80% and 78% LTV milestones to plan PMI cancellation timing.
Refinance Break Even Calculator
Compare monthly savings vs closing costs to estimate the month a mortgage refinance starts paying off.
CD Ladder Calculator
Model a staggered CD strategy and estimate maturity values and total interest across multiple terms.
California Property Tax Calculator
Estimate annual property taxes, Prop 13 growth projections, supplemental bills, and exemption savings for California homes.
Coast FIRE Calculator
Find out how much you need invested today so compound growth alone covers your retirement, and when you can stop saving.
Pell Grant Estimator
Estimate your Federal Pell Grant eligibility and award amount for the 2025-2026 school year using the official SAI formula.