Affordability Calculator
How much house can you afford — based on income, debts, and down payment.
The calculator library
Every question, a calculator
188 embeddable calculators, each with a live demo. Filter by topic or plan, or search by what your visitors ask.
Start with the most-embedded
Mortgage & Home Loans
Payments, refinancing, ARMs, affordability and every home-loan type. Free plan
APR Calculator for Adjustable Rate Mortgages
Estimate the true APR of an ARM, factoring in fees and the projected rate after it adjusts.
APR vs. Interest Rate Calculator
See the true APR once lender fees are included, next to the quoted note rate.
ARM & Interest Only ARM vs. Fixed Rate Calculator
Compare a standard ARM, an interest-only ARM, and a fixed-rate loan side by side.
ARM vs. Fixed-Rate Mortgage Calculator
Compare an adjustable-rate mortgage against a fixed-rate loan over the full term.
ARM Calculator
Adjustable-rate mortgage — initial payment and what it becomes after the rate adjusts.
Balloon Mortgage Calculator
See your low monthly payment and the large balloon balance due at the end of the term.
Bi-Weekly Payment Calculator
See how much time and interest you save by paying your mortgage bi-weekly.
Biweekly Payments for an Existing Mortgage
See the time and interest you save by switching your current mortgage to bi-weekly payments.
Blended Rate Mortgage Calculator
Find the effective blended interest rate and combined payment across a first and second mortgage.
Buyer Closing Cost Estimator
A full breakdown of a buyer's closing costs and the total cash needed to close.
Cash-Out Refinance Calculator
See your new payment and loan-to-value when you refinance and take cash out.
Closing Cost Calculator
Estimate lender fees, third-party fees and prepaids — and the total cash needed to close.
Combination Mortgage Calculator
Compare a single mortgage with PMI against a first-plus-piggyback-second combination.
Construction Loan Calculator
Interest during the build plus the permanent mortgage payment once it converts.
Mortgage Debt Consolidation Calculator
See your new payment and monthly savings from rolling high-interest debt into your mortgage.
Down Payment Calculator
Set a down payment goal and see how long it takes to save for it.
Debt-to-Income Calculator
Work out your front-end and back-end DTI ratios — the numbers lenders check first.
Extra Payment Calculator
See how an extra monthly payment shortens your loan and cuts total interest.
FHA Loan Calculator
FHA mortgage payment including upfront and annual mortgage insurance premiums (MIP).
15 vs 30 Year Mortgage Calculator
Compare a 15-year and a 30-year mortgage — payment, total interest and savings.
First-Time Homebuyer Calculator
Full monthly payment and down payment needed for a first home purchase.
Fixed Rate vs. Interest Only Mortgage Calculator
Compare a standard fixed-rate loan against an interest-only loan — payment and total cost.
HELOC Calculator
Home equity line of credit — interest-only draw period and repayment-period payments.
Home Equity Loan Calculator
Fixed-rate second mortgage payment and how much equity you can borrow.
Home Loan Calculator
PITI estimate including taxes and insurance for a home purchase.
Interest Only ARM Calculator
See the low interest-only ARM payment and the jump once the rate adjusts and principal kicks in.
Interest Only Mortgage Calculator
See your low interest-only payment and the higher payment once the loan starts amortizing.
Jumbo Loan Calculator
Monthly payment, loan-to-value and lifetime cost for a jumbo (non-conforming) mortgage.
Mortgage Points Calculator
See whether buying discount points to lower your rate is worth the upfront cost.
Mortgage Recast Calculator
See your new lower payment after applying a lump sum and recasting the loan.
Mortgage Required Income Calculator
Find the minimum annual income you need to qualify for a given mortgage.
Mortgage Tax Savings Calculator
Estimate how much you save on income tax by deducting your mortgage interest.
Mortgage Calculator
Monthly payment, interest breakdown, and amortisation for a fixed-rate mortgage.
Option ARM Calculator
See the low minimum payment on an option ARM and the deferred interest that grows your balance.
PMI Calculator
See your monthly private mortgage insurance and when it drops off the loan.
Pre-Qualification Calculator
A quick pre-qualification estimate of the home price and loan a buyer can support.
Refinance Calculator
Compare your current mortgage to a refinance offer and find your break-even.
Rent vs. Buy Calculator
Compare the true cost of renting against buying over the years you plan to stay.
Reverse Mortgage Calculator
Estimate how much a homeowner aged 62+ could access with a reverse mortgage.
20 vs 30 Year Mortgage Calculator
Compare a 20-year and a 30-year mortgage — payment, total interest and savings.
USDA Loan Calculator
USDA rural housing loan payment with the upfront and annual guarantee fees.
VA Loan Calculator
VA mortgage payment with the VA funding fee — for eligible veterans and service members.
Loans & Amortization
General loans, student loans, payment frequencies and amortization. Free plan
Alternative Payment Frequencies Calculator
Compare the payment for the same loan paid weekly, bi-weekly, semi-monthly, monthly, quarterly or annually.
Deferred Payment Loan Calculator
See how a no-payment deferral period grows your balance and raises the payment that follows.
Existing Loan Calculator
Find the current balance and remaining interest on a loan you are already paying.
365/360 Loan Calculator
Amortize a loan using the 365/360 method, where daily interest uses a 360-day year over 365 days.
365/365 Loan Calculator
Amortize a loan using the actual/365 method, where daily interest uses a true 365-day year.
Loan Comparison Calculator
Compare two loan options side by side — payment and lifetime interest.
Loan & Credit Line Payment Calculator
Compare the payment on a fixed installment loan against an interest-only revolving credit line.
Composition of a Loan Payment Calculator
See how each loan payment splits between principal and interest, and how that shifts over the life of the loan.
Loan & Credit Line Tax Savings Calculator
Estimate the income-tax savings from deducting interest on a loan or credit line.
Loan Calculator
Personal loan monthly payment, total interest, and total cost.
Student Loan Consolidation Calculator
Combine multiple student loans into one and see the consolidated rate, payment and total interest.
Student Loan Calculator
Repayment schedule and total interest for a student loan.
Total Cost of Loan Calculator
The full lifetime cost of a loan — principal, interest and upfront fees combined.
Auto & Vehicle
Car, truck and specialty-vehicle loans, leasing and financing decisions. Pro plan
Biweekly Auto Loan Payment Calculator
See the time and interest you save by paying your auto loan bi-weekly instead of monthly.
Auto Lease Calculator
Monthly lease payment from cap cost, residual, money factor, and term.
Auto Loan Early Payoff Calculator
See how adding extra to your car payment shortens the loan and cuts the interest you pay.
Auto Rebate vs. Low Interest Financing Calculator
Decide whether to take the cash rebate or the dealer's low promotional financing rate.
Auto Refinance Calculator
See the monthly and interest savings from refinancing your auto loan to a new rate or term.
Boat Loan Calculator
Estimate the monthly payment on a boat loan, including trade-in and sales tax.
Car Buy vs. Lease Calculator
Compare the net cost of buying a vehicle against leasing it over the same period.
Car Loan Calculator
Estimate the monthly payment on a vehicle loan, including trade-in and sales tax.
Home Equity Loan vs. Auto Loan Calculator
Compare financing a vehicle with a home equity loan against a standard auto loan, after taxes.
Lease vs. Cash Calculator
Compare paying cash for a vehicle against leasing it and keeping your cash invested.
Motorcycle Loan Calculator
Estimate the monthly payment on a motorcycle loan, including trade-in and sales tax.
RV Loan Calculator
Estimate the monthly payment on an RV loan, including trade-in and sales tax.
Truck Loan Calculator
Estimate the monthly payment on a truck loan, including trade-in and sales tax.
Credit & Debt
Credit-card payoff, snowball and roll-down strategies, consolidation. Pro plan
Accelerated Debt Payoff Calculator
See how adding an extra amount each month shortens your payoff and slashes the interest you pay.
Balance Transfer Comparison Calculator
Compare keeping a balance on your current card against transferring it to a lower-rate card with a fee.
Balance Transfer Optimizer (Promo Rate)
Model a 0% or low intro rate that later reverts, to see if you clear the balance before the promo ends.
Consolidation Loan Investment Calculator
Consolidate to a lower payment, invest the monthly savings, and see what that difference could grow to.
Cost-of-Debt Calculator
See the true long-term cost of carrying a balance — total interest and the growth those dollars could earn.
Credit Card Minimum Payment Calculator
See how long it takes — and how much interest you pay — making only the minimum payment.
Credit Card Optimizer Calculator
Find the lowest-interest way to distribute balances across your cards within their credit limits.
Credit Card Payoff Calculator
See how long it takes to pay off a credit card and the payment needed to clear it by a target date.
Roll-Down Your Debt Calculator
Pay debts highest-rate-first (the avalanche), rolling each freed-up payment into the next to save the most interest.
Debt Snowball Calculator
Pay debts smallest-balance-first, rolling each freed-up payment into the next, to become debt-free faster.
How Much Do You Owe Calculator
Add up all your debts into one view — total balance, total payment, and blended interest rate.
Line of Credit Payoff Calculator
See how long it takes to pay off a credit line and the total interest at a fixed monthly payment.
Personal Debt Consolidation Calculator
Compare your current debts against rolling them into a single personal consolidation loan.
Savings & CDs
Compound growth, savings goals, emergency funds, CDs and college savings. Pro plan
CD Ladder Calculator
Build a ladder of CDs with staggered maturities to balance yield and liquidity.
Certificate of Deposit (CD) Calculator
See the interest and ending balance on a CD, plus its annual percentage yield (APY).
College Savings Calculator
Estimate how much to save each month to cover future college costs.
Compare CD Rates Calculator
See how even a small difference in CD interest rates adds up over the full term.
Compound Savings Calculator
See how regular contributions and compound interest grow your savings over time.
Compounding and Your Return Calculator
See how often interest compounds changes what the same rate actually earns.
Cool Million Calculator
Find out how long it will take to save your first million — or any target — at your savings rate.
Cost of Waiting to Save Calculator
See how much a delay in starting to save costs you by the time you reach your goal.
Emergency Savings Calculator
Find how big your emergency fund should be and how long it takes to get there.
Home Buyer Savings Calculator
Find how much to save each month for a down payment and closing costs by your target date.
Savings Distribution Calculator
See your savings balance after a series of regular withdrawals at a given return.
Savings Goal Calculator
Find out how much to save each month to reach a savings goal by your target date.
Savings, Taxes and Inflation Calculator
See what your savings are really worth after taxes on growth and inflation.
Spending Savings Calculator
See how cutting a recurring expense — lunch out, coffee, a habit — adds up when invested.
Vice Savings Calculator
See what a daily habit — coffee, takeout, cigarettes — could grow to if you invested the money instead.
Retirement
Are you on track? 401(k)/IRA growth, Roth vs. Traditional, RMDs and pensions. Business plan
401(k) / 403(b) / 457 Calculator
Project your workplace retirement plan balance with contributions and employer match.
403(b) Savings Calculator
Project a 403(b) plan for teachers and nonprofit employees, with employer match and the optional 15-year service catch-up.
457(b) Plan Calculator
Project a governmental 457(b) deferred-compensation plan, with the optional special "final 3 years" catch-up.
72(t) SEPP Calculator
Estimate penalty-free early retirement withdrawals using 72(t) substantially equal periodic payments.
Inherited IRA RMD Calculator
Estimate the required minimum distribution from an inherited IRA using the IRS Single Life Expectancy Table.
Should I Borrow From My 401(k)?
Estimate the true cost of a 401(k)/403(b) loan by comparing lost investment growth against your repayments.
Retirement Planner for Two Spouses
Project the combined retirement nest egg for two working spouses with separate savings and contributions.
Early Withdrawal Cost Calculator
See the real cost of withdrawing from a retirement account early — taxes, penalty and lost growth.
Gross Distribution Calculator
Find the gross retirement-account withdrawal needed to net a target amount after taxes and any early-withdrawal penalty.
Company Stock Distribution (NUA) Calculator
Compare the tax on a Net Unrealized Appreciation (NUA) stock distribution against rolling employer stock into an IRA.
Pension vs. Lump Sum Calculator
Compare a monthly pension against taking a lump sum you invest yourself.
Contribution Effect on Your Paycheck
See how raising your pre-tax retirement contribution changes your take-home pay.
Retirement Income Calculator
See the level monthly income your retirement savings can provide over a set number of years.
Retirement Planner Calculator
See whether your retirement savings are on track to fund the income you will need.
How Long Will Retirement Savings Last?
Estimate how many years your retirement savings will last with inflation-adjusted withdrawals.
Retirement Shortfall Calculator
See whether your current savings plan will reach your retirement goal — and the gap if it falls short.
RMD - Year To Begin Calculator
Find the age and year you must begin required minimum distributions (RMDs) under the SECURE 2.0 rules.
Required Minimum Distribution (RMD) Calculator
Estimate the minimum you must withdraw from a retirement account this year.
Roth Conversion Calculator
Compare converting a Traditional IRA/401(k) to a Roth now against leaving it pre-tax.
Roth IRA Calculator
See the tax-free growth advantage of a Roth IRA over an ordinary taxable account.
Roth vs. Traditional Calculator
Compare a Roth (after-tax) account against a Traditional (pre-tax) account at retirement.
Social Security Benefit Calculator
Estimate your monthly Social Security benefit from your average indexed monthly earnings and the age you claim.
How Important Is Social Security?
See how much extra you would need to save to replace some or all of your Social Security.
Solo 401(k) Calculator
Project an Individual (Solo) 401(k) for the self-employed, combining employee deferrals with an employer profit-sharing contribution.
Traditional IRA Calculator
Project the tax-deferred growth of a Traditional IRA and see its after-tax value at retirement.
Taxes
Federal income tax, marginal vs. effective rates, paychecks, deductions and more. Business plan
Charitable Giving Tax Savings Calculator
Estimate the income-tax savings and net cost of a tax-deductible charitable gift.
Clergy Housing Allowance Calculator
Find the housing allowance a minister can exclude from income — the least of the amount designated, actual expenses, or fair rental value.
Earned Income Credit (EIC) Calculator
Estimate your 2026 Earned Income Tax Credit based on your income, filing status, and number of qualifying children.
Estate Tax Planning Calculator
Estimate potential federal estate tax based on your estate value and the exemption.
FSA Tax Savings Calculator
See how much a pre-tax Flexible Spending Account contribution saves you in taxes.
Hourly Paycheck Calculator
Estimate your take-home pay per paycheck from an hourly wage, including overtime and federal withholding.
1040 Federal Income Tax Calculator
Estimate your federal income tax, taxable income, and effective and marginal rates.
Marginal Tax Rate Calculator
Find your federal marginal and effective tax rates for your income and filing status.
Net to Gross Paycheck Calculator
Find the gross salary needed to take home a specific net amount after taxes.
Self-Employment Tax Calculator
Estimate the Social Security and Medicare (SECA) taxes you owe on self-employment income.
Taxable Social Security Benefits Calculator
Find how much of your Social Security benefits may be subject to federal income tax.
Take-Home Paycheck Calculator
Estimate your net paycheck after federal income tax, FICA, and pre-tax deductions.
Insurance & Protection
Life and disability coverage, HSAs, annuities and long-term care. Business plan
Disability Insurance Calculator
Estimate the monthly disability benefit you need to replace income if you cannot work.
Fixed Annuity Calculator
Project the tax-deferred future value of a fixed annuity from a premium plus ongoing contributions.
HSA Contribution Calculator
Find your maximum HSA contribution for the year, including the age-55 catch-up.
HSA Savings Calculator
Project the future value of your Health Savings Account with tax-advantaged growth.
HSA vs. Traditional Health Plan
Compare the total yearly cost of an HSA-qualified high-deductible plan against a traditional health plan.
Human Life Value Calculator
Estimate the present value of your future earnings — a measure of your economic value to your family.
Immediate Annuity Calculator
Estimate the monthly income a lump-sum immediate annuity can provide over a payout period.
Life Insurance Calculator
Estimate how much life insurance coverage your family would need to stay financially secure.
Long Term Care Calculator
Project the future cost of long-term care and the gap between that cost and your savings.
Variable Annuity Calculator
Project the accumulated value of a variable annuity after sub-account returns, annual fees and any surrender charge.
Investments & Markets
Future & present value, rates of return, bonds, funds, stock options and tax-smart investing. Business plan
1031 Exchange Timeline Calculator
Find your 45-day identification and 180-day completion deadlines for a 1031 like-kind exchange.
1031 Like-Kind Exchange Calculator
Estimate the deferred gain, recognized (taxable) gain, and tax saved in a 1031 like-kind property exchange.
Asset Allocation Calculator
Get a suggested mix of stocks, bonds and cash based on your risk tolerance and time horizon.
Market Value of Bonds Calculator
Estimate what a bond is worth today based on its coupon, the current market rate, and time to maturity.
Future Value Calculator
Project the future value of a lump sum plus optional periodic deposits at a chosen compounding frequency.
Internal Rate of Return (IRR) Calculator
Find the annual internal rate of return on an investment with an up-front cost and recurring cash flows.
Municipal Bond Tax-Equivalent Yield
Convert a tax-free municipal bond yield into the taxable yield it equals for your tax bracket.
Mutual Fund Fees Calculator
See how much fund expense ratios and fees cost you over time by reducing your compounded return.
Investment Loss Recovery Calculator
See the gain you need and how long it will take to recover an investment back to its original value.
Present Value Calculator
Find how much you need to invest today to reach a future target amount.
Annual Rate of Return Calculator
Find the annualized rate of return an investment earned between its starting and ending value.
REIT Tax-Equivalent Distribution
See the after-tax and taxable-equivalent yield of a REIT distribution after the 20% pass-through (QBI) deduction.
Stock Option Calculator
Estimate the future value and gain of employee stock options at a projected share price.
Taxable vs. Tax-Deferred vs. Tax-Free Calculator
Compare the after-tax growth of a taxable, a tax-deferred, and a tax-free (Roth) account side by side.
Taxable vs. Tax-Deferred Calculator
Compare the after-tax growth of a taxable account against a tax-deferred account over time.
Real Estate & Pros
Investor returns, DSCR & bank-statement loans, agent and closing tools. Business plan
Bank Statement Loan Calculator
Qualifying income from bank deposits for self-employed borrowers, and the payment it supports.
DSCR Loan Calculator
Debt-service coverage ratio for a rental property — the key number DSCR lenders use.
Investment Property ROI Calculator
Cash flow, cash-on-cash return and cap rate for a rental property purchase.
Realtor Commission Calculator
Work out an agent's take-home commission after the brokerage split.
Self-Employed Income Calculator
Qualifying income for a self-employed borrower, averaged over two years of tax returns.
Seller Net Sheet Calculator
Estimate a home seller's net proceeds after payoff, commission and closing costs.
Business
Commercial loans, break-even, margins, valuation and cash-flow tools for owners. Business plan
Break-Even Calculator
How many units and how much revenue you need to cover your fixed and variable costs.
Business Loan Calculator
Monthly payment, total interest and total cost for a commercial or small-business loan.
Business ROI Calculator
Return on investment, total return and payback period for a business investment.
Business Valuation Calculator
A quick earnings-multiple estimate of what a small business is worth, with a low–high range.
Cash Flow Budget Calculator
Net monthly and annual cash flow from your business inflows and outflows.
Contribution Margin & Break-Even Calculator
Use cost-volume-profit analysis to find your break-even point and the units needed to hit a target profit.
Equipment Buy vs. Lease Calculator
Compare the net cost of financing equipment against leasing it over the same period.
Financial Ratios Calculator
Calculate key liquidity, leverage and profitability ratios from your balance sheet and income statement.
Installment Sale Repossession Calculator
Estimate the taxable gain when you repossess real property you sold on an installment basis (IRC §1038).
Inventory Analysis Calculator
Measure how efficiently you manage inventory with turnover ratio and days inventory on hand.
Profit Margin Calculator
Gross, operating and net profit margins plus markup on cost from your revenue and expenses.
Working Capital Calculator
Your working capital and current ratio — the short-term liquidity lenders and investors check.
Personal Finance
Net worth, budgeting, savings rate, FIRE and the money concepts that build wealth. Pro plan
Budget Planner Calculator
See your monthly surplus or deficit, savings rate and annual savings from a simple budget.
Checkbook Balancer
Reconcile your checkbook register against your bank statement to find any difference.
Credit Score Assessment
Get an educational estimate of your credit score band based on the factors lenders weigh most.
Financial Independence (FIRE) Calculator
Your FIRE number (25× expenses) and how many years until your savings get you there.
Hourly to Salary Calculator
Convert an hourly wage into annual, monthly, biweekly and weekly pay.
Inflation Impact Calculator
What something will cost in the future, and how much purchasing power a sum loses to inflation.
Life Expectancy Calculator
Get an educational estimate of life expectancy to help with retirement and insurance planning.
Net Worth Calculator
Add up what you own and subtract what you owe to find your true net worth.
Rule of 72 Calculator
How many years it takes your money to double at a given rate — and what it grows to.
Savings Rate Calculator
What percentage of your income you save — and the nest egg that supports your spending.
Should My Spouse Work? Calculator
Estimate the real take-home benefit of a second income after taxes, childcare and work-related costs.
No calculator matches that filter.
Try a broader word, switch the plan filter to “All plans”, or request a calculator.
Q.01How many calculators does CalcFunnel have?
188 calculators in 12 categories, from mortgage payments and FHA/VA/USDA loans to auto, credit, retirement, tax, insurance, investment and business tools.
Q.02Which calculators are on the Free plan?
The Free plan can embed up to 5 calculators from the Mortgage & Home Loans and Loans & Amortization categories. Pro adds Auto, Credit & Debt, Savings and Personal Finance; Business unlocks every category.
Q.03Can I try a calculator before signing up?
Yes. Every card on this page has a “Live demo” link that opens the working calculator.
Q.04What is the most popular calculator for mortgage websites?
The mortgage payment calculator, followed by affordability, FHA, VA and refinance. See where to place each one.
Q.05Are the calculators mobile-friendly?
Yes. They are responsive and adapt to the width of the page they are embedded in.
Q.06Can I request a calculator you don’t have?
Yes — tell us what you need. Because every calculator is generated from a single definition, new ones can be added without rebuilding the library.
Q.07Are calculator results guaranteed?
No. Results are estimates. Formulas are tested and statutory values are sourced, but actual terms depend on the lender and the borrower.
Q.08Do all calculators capture leads?
Every calculator can end in an action: a lead form, a Get a Quote form, a Share panel or a button linking anywhere you choose.
Pick one. Embed it today.
Free plan includes 5 mortgage and loan calculators with lead capture — no card required.
- Free plan, no card
- 14-day trial on Pro & Business
- Cancel any time