Financial Calculators

ArrayKit's financial calculators help you work out loan payments, mortgage costs, interest, investment growth, retirement savings and taxes without pasting your numbers into a remote server. Each calculator runs entirely in your browser, so the amounts, rates and balances you enter stay on your device. Use them to compare loan offers, plan a down payment, project compound interest, size a monthly budget or estimate take-home figures. These tools give quick estimates for planning and learning — they are not financial advice, so confirm anything important with a qualified professional before you act on it.

• Mortgage Calculator — Estimate monthly mortgage payments including principal, interest, taxes and insurance.
• Loan Calculator — Calculate the monthly payment, total interest and payoff of any amortized loan.
• Amortization Calculator — Build a full loan amortization schedule showing principal and interest for each payment.
• Auto Loan Calculator — Estimate car loan payments with trade-in, down payment and sales tax.
• Mortgage Payoff Calculator — See how extra payments shorten your mortgage and cut total interest.
• Refinance Calculator — Compare your current mortgage to a refinance and find the break-even point.
• APR Calculator — Find the true annual percentage rate of a loan once fees are included.
• Down Payment Calculator — Work out the down payment, loan amount and how long to save for it.
• House Affordability Calculator — Estimate the home price you can afford from income, debts and down payment.
• Debt-to-Income Ratio Calculator — Calculate your front-end and back-end debt-to-income (DTI) ratios.
• HELOC Calculator — Estimate a home equity line of credit limit and interest-only or amortized payments.
• Home Equity Loan Calculator — Estimate how much you can borrow against home equity and the monthly payment.
• FHA Loan Calculator — Estimate FHA mortgage payments including upfront and monthly mortgage insurance.
• Rent vs. Buy Calculator — Compare the total cost of renting versus buying a home over time.
• Rent Affordability Calculator — Find how much rent you can afford from your income using the 30% rule.
• Student Loan Calculator — Estimate student loan monthly payments, payoff time and total interest.
• Personal Loan Calculator — Estimate personal loan payments, APR impact and total repayment.
• Business Loan Calculator — Estimate business loan payments with fees and see the true borrowing cost.
• Credit Card Payoff Calculator — See how long it takes to pay off a credit card and the interest you will pay.
• Debt Payoff Calculator — Plan a debt-free date with the avalanche or snowball method across multiple debts.
• Debt Consolidation Calculator — Compare multiple debts to a single consolidation loan and see the savings.
• Auto Lease Calculator — Estimate a car lease monthly payment from price, residual and money factor.
• Interest Rate Calculator — Solve for the interest rate of a loan from its amount, payment and term.
• Simple Interest Calculator — Calculate simple interest and the final amount from principal, rate and time.
• Credit Card Calculator — Estimate the payoff time and interest for a credit card balance.
• Compound Interest Calculator — Project savings growth with compound interest and optional regular contributions.
• Savings Calculator — See how a starting balance plus regular deposits grow with interest over time.
• Investment Calculator — Solve for the ending amount, return, contribution or time of an investment.
• CD Calculator — Calculate the maturity value and APY of a certificate of deposit.
• ROI Calculator — Calculate return on investment, net gain and annualized ROI.
• IRR Calculator — Compute the internal rate of return and NPV from a series of cash flows.
• Present Value Calculator — Find the present value of a future sum or cash flow stream at a discount rate.
• Future Value Calculator — Find the future value of a present sum or a stream of payments.
• Annuity Calculator — Calculate the accumulated value or payment of an annuity over time.
• Annuity Payout Calculator — Find the regular payout a lump sum can provide over a set period.
• Bond Calculator — Calculate a bond price, current yield and yield to maturity.
• CAGR Calculator — Calculate the compound annual growth rate and average return of an investment.
• Payback Period Calculator — Find how long an investment takes to pay back from its cash flows.
• Mutual Fund Fee Calculator — See how expense ratios and fees erode mutual fund returns over time.
• Retirement Calculator — Estimate whether your savings and contributions will fund your retirement.
• 401(k) Calculator — Project 401(k) growth with employer match and contribution limits.
• Roth IRA Calculator — Project tax-free Roth IRA growth from contributions and returns.
• IRA Calculator — Compare traditional IRA growth before and after tax at withdrawal.
• Pension Calculator — Estimate a defined-benefit pension from salary, service years and accrual rate.
• RMD Calculator — Estimate required minimum distributions from a retirement account.
• Finance Calculator (TVM) — Solve any time-value-of-money variable: PV, FV, payment, rate or periods.
• Interest Calculator — Calculate simple or compound interest and the total from principal, rate and time.
• Inflation Calculator — Project how inflation changes the buying power of money over time.
• College Cost Calculator — Project future college costs and the savings needed to cover them.
• Rental Property Calculator — Analyze a rental property cash flow, cap rate and cash-on-cash return.
• Sales Tax Calculator — Add or remove sales tax and find the tax amount, pre-tax price or total.
• VAT Calculator — Add or remove VAT and see the net price, VAT amount and gross total.
• Income Tax Calculator — Estimate US federal income tax, effective rate and take-home from taxable income.
• Salary Calculator — Convert pay between hourly, daily, weekly, monthly and annual amounts.
• Profit Margin Calculator — Calculate profit margin, markup, revenue or cost from any two values.
• Markup Calculator — Calculate the selling price and profit from cost and markup percentage.
• Discount Calculator — Find the sale price and amount saved from an original price and discount.
• Commission Calculator — Calculate sales commission, take-home and effective rate on a sale.
• Depreciation Calculator — Compute asset depreciation with straight-line, declining balance or SYD.
• Budget Calculator — Split monthly income into needs, wants and savings with the 50/30/20 rule.
• Tip Calculator — Calculate the tip and total, and split the bill between people.
• GDP Calculator — Calculate GDP by the expenditure approach and real vs nominal GDP.
• VA Mortgage Calculator — Estimate a VA loan payment including the VA funding fee and no PMI.
• Payment Calculator — Solve a loan monthly payment or the term needed to pay it off.

Frequently asked questions

Do I need to install anything to use these financial calculators?

No. Every financial calculator on ArrayKit runs directly in your browser, so there is nothing to install and the numbers you enter are processed locally on your device.

Do these financial calculators send my numbers to a server?

No. All of the math happens in your browser, so the amounts, interest rates and balances you type never leave your device or get uploaded to ArrayKit.

Are the results financial advice?

No. The financial calculators provide estimates for planning and education only. Real loans, taxes and investments involve fees, rounding and rules that vary, so verify important decisions with a licensed professional.

Which financial calculators does ArrayKit offer?

The category covers loans and mortgages, interest and investment growth, retirement accounts, debt payoff, and tax and pricing tools such as sales tax, VAT, margin and discount calculators.