Free financial calculators that make money decisions easier.
Estimate mortgage payments, debt payoff timelines, take-home pay, retirement savings, home affordability, and more — all in plain English.
Small money decisions can add up. Use these free calculators to compare options, estimate costs, and understand the trade-offs before making a financial move.
Home & Mortgage
See decision guideMortgage Payment Calculator
Model a mortgage payment, add principal prepayments, and compare two lender quotes side by side including discount points, seller credits, cash to close, break-even timing, and financing cost over your expected holding period.
Use CalculatorMortgage Prepayment Calculator
See how extra monthly payments or a lump sum could reduce modeled interest and shorten your mortgage payoff timeline.
Use CalculatorRefinance Calculator
Compare your current mortgage with a refinance scenario, including monthly payment, break-even timing, and modeled lifetime interest.
Use CalculatorRent vs Buy Calculator
Compare renting vs buying through decision-linked wealth, including equity, appreciation, maintenance, transaction costs, and invested cash.
Use CalculatorHome Affordability Calculator
Estimate a home-price range based on income, debts, down payment, mortgage rate, property taxes, insurance, HOA dues, and the DTI scenario you select.
Use CalculatorClosing Cost Estimator
Estimate buyer closing costs and total cash needed at closing using transparent, editable planning assumptions.
Use CalculatorDebt & Loans
See decision guideLoan Payoff Calculator
Estimate your payoff timeline and total interest, then see how extra payments could shorten the repayment period.
Use CalculatorCredit Card Payoff Calculator
Estimate how long it could take to pay off a credit-card balance and how extra payments could reduce interest and payoff time.
Use CalculatorDebt Snowball vs Avalanche Calculator
Compare debt snowball and debt avalanche using the same monthly debt budget, with modeled payoff time and interest for each strategy.
Use CalculatorAuto Loan Calculator
Calculate a modeled monthly car payment, financing interest, cash paid, and trade-in-adjusted acquisition cost.
Use CalculatorStudent Loan Payoff Calculator
Estimate a student-loan payoff timeline and see how paying more than the entered minimum could reduce interest and payoff time.
Use CalculatorPaycheck & Taxes
See decision guideTake-Home Pay Calculator
Estimate take-home pay after modeled federal and state income taxes, Social Security, Medicare, and entered pre-tax deductions.
Use CalculatorState Paycheck Comparison Calculator
Compare estimated take-home pay in two states side by side using the same income and household assumptions.
Use CalculatorBonus Paycheck Calculator
Estimate bonus cash after modeled federal, state, Social Security, and Medicare withholding assumptions.
Use Calculator401(k) Tax Savings Calculator
Estimate how a Traditional 401(k) contribution could reduce current taxable income and modeled federal and state income taxes.
Use CalculatorInvesting & Retirement
See decision guideCompound Interest Calculator
Model how a starting balance and regular contributions could change over time under an editable annual return assumption.
Use Calculator401(k) Contribution Calculator
Project a 401(k) balance using salary, employee contributions, employer-match assumptions, investment return, and time horizon.
Use Calculator401(k) Match Calculator
Estimate the employer contribution under the match formula you enter and see whether the modeled match is fully captured.
Use CalculatorRoth vs Traditional IRA Calculator
Compare modeled Roth and Traditional outcomes using your contribution basis, current tax rate, retirement tax rate, return assumption, and time horizon.
Use CalculatorRetirement Goal Calculator
Compare a projected retirement balance with your target and estimate the monthly contribution needed under the assumptions you enter.
Use Calculator529 College Savings Calculator
Project a 529 balance, future college costs, and the modeled monthly contribution needed to close a funding gap.
Use CalculatorFamily & Life Planning
See decision guideNet Worth Calculator
Add your entered assets and liabilities to calculate net worth and see the balance between what you own and what you owe.
Use CalculatorEmergency Fund Calculator
Build an emergency-fund target from entered essential monthly expenses and the number of months of coverage you choose.
Use CalculatorLife Insurance Needs Calculator
Estimate a life-insurance coverage gap using survivor-support needs, debts, family goals, existing coverage, and available assets.
Use CalculatorBudget Calculator
Compare entered monthly income, spending, and saving amounts to see what is allocated and what remains unallocated or over budget.
Use CalculatorThe calculator is only half the context.
Use MFA's market-data guide to move from current rates and market moves into official economic releases, housing data and long-run historical charts with source dates attached.
Educational estimates only. Not financial, tax, investment, legal, payroll, mortgage, or insurance advice. Results may vary based on rates, tax rules, lender terms, state laws, and personal circumstances.