Millionaire Calculator — When Will I Reach $1 Million?
Free millionaire calculator: estimate when your current savings and monthly investments could reach $1 million or another target, with a growth chart and year-by-year table.
Open calculator →40 free calculators
Free money calculators for real financial decisions
Grow your money, plan a savings goal, pay off debt, compare mortgages, estimate retirement, understand loan costs, and handle detailed interest calculations—all in your browser.
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Calculator library
Each calculator includes sample values, clear results, explanations, and tables or charts where they improve the decision.
Grow Your Money
Savings, investing, compounding, and goal calculators that answer practical questions about building money.
Investment Growth Calculator
Project how a starting investment and monthly contributions could grow over time. See contributions, estimated growth, annual balances, and the effect of compounding.
Open calculator →Savings Goal Calculator — How Much Should I Save Each Month?
Enter a savings target, current balance, time frame, and interest assumption to calculate the monthly amount needed to reach your goal.
Open calculator →How Long Will It Take Me to Save $10,000?
Enter your current savings, monthly deposit, and interest rate to estimate how long it will take to reach $10,000 or another savings target.
Open calculator →Cost of Waiting to Invest Calculator
Compare investing now with waiting several years. See how delayed contributions and lost compounding can change the ending balance.
Open calculator →Compound Interest Calculator
Calculate compound growth with a starting amount, annual rate, compounding frequency, time, and recurring contributions.
Open calculator →Sinking Fund Calculator
Calculate the periodic deposit needed to reach a future target with compound interest, starting balance, deposit frequency, and timing.
Open calculator →Annuity Present & Future Value Calculator
Calculate the present value and future value of a level-payment annuity with selectable payment frequency and beginning- or end-of-period payments.
Open calculator →Debt & Payoff
Build payoff plans, compare debt strategies, and understand what borrowing really costs.
Debt Snowball Calculator
Free debt snowball calculator with up to six debts. Enter balances, APRs, minimums, and extra money to see payoff order, debt-free date, interest, and balance chart.
Open calculator →Debt Avalanche Calculator
Free debt avalanche calculator with up to six debts. Enter balances, APRs, minimums, and extra money to see payoff order, debt-free date, interest, and balance chart.
Open calculator →Debt Snowball vs. Avalanche Calculator
Compare debt snowball and debt avalanche using the same balances, APRs, minimums, and extra payment. See payoff time and estimated interest side by side.
Open calculator →Credit Card Payoff Calculator
Estimate how long a credit card balance will take to pay off at a chosen monthly payment. See total interest, total repaid, payoff month, and a monthly schedule.
Open calculator →What Does This Loan Really Cost?
See the real cost of a loan by combining payment interest, origination fees, other upfront fees, and monthly fees. Estimate total cost and a fee-adjusted APR.
Open calculator →Loan Payoff Calculator
Estimate payoff time and remaining interest from a current balance, rate, payment, and optional extra monthly principal amount.
Open calculator →Extra Payment Calculator
Compare a normal loan schedule with recurring and one-time extra principal payments. Calculate payoff time and interest savings.
Open calculator →Outstanding Loan Balance Calculator
Calculate an outstanding loan balance after a selected number of payments, including principal repaid, interest paid, and projected payoff.
Open calculator →Home & Mortgage
Compare home decisions, mortgage terms, refinancing, and payoff strategies.
Buy vs. Rent Calculator
Compare buying a home with renting using mortgage costs, down payment, closing and selling costs, taxes, insurance, maintenance, appreciation, rent increases, and…
Open calculator →15-Year vs. 30-Year Mortgage Calculator
Compare 15-year and 30-year mortgages: monthly payment, lifetime interest, balance decline, and what happens if the payment difference is invested.
Open calculator →Mortgage Payoff Calculator
Free mortgage payoff calculator. Enter your current balance, rate, monthly payment, extra monthly amount, annual extra principal, and one-time extra payment to estimate…
Open calculator →Refinance Calculator
Compare a current loan with a proposed refinance, including payment savings, closing costs, break-even time, total interest, and lifetime cost.
Open calculator →Biweekly Payment Calculator
Compare standard monthly, true biweekly, and accelerated biweekly loan payments, payoff times, and total interest.
Open calculator →Mortgage Per Diem Calculator
Calculate mortgage per diem interest and estimate prepaid interest from a closing date through month-end using Actual/360, Actual/365, or Actual/366.
Open calculator →Retirement & Everyday Money
Project retirement savings and understand your overall personal balance sheet.
Retirement Savings Calculator
Project retirement savings from your current age, balance, monthly contributions, return assumption, retirement age, withdrawal rate, and desired annual income.
Open calculator →Emergency Fund Calculator
Calculate an emergency fund target from essential monthly expenses. See months of coverage, the amount still needed, and how long it may take to fully fund the goal.
Open calculator →Net Worth Calculator
Calculate personal net worth by entering cash, savings, investments, retirement accounts, home and other assets, then subtract mortgages, cards, loans, and other debts.
Open calculator →Loans, Interest & Professional Calculations
Detailed interest, amortization, rate-conversion, per-diem, balloon, and specialty loan tools.
Loan Payment Calculator
Calculate a fixed loan payment for monthly, biweekly, weekly, quarterly, semiannual, or annual payments and view the full amortization table.
Open calculator →Simple Interest Calculator
Calculate simple interest from principal, annual rate, and time in days, months, or years. Compare daily and monthly interest amounts.
Open calculator →Effective Interest Rate Calculator
Convert a nominal annual rate and compounding frequency into an effective annual interest rate (EAR), periodic rate, and one-year dollar growth.
Open calculator →Interest Rate Conversion Calculator
Convert between effective annual, nominal, periodic, discount, and force-of-interest rates and see equivalent rates by compounding frequency.
Open calculator →Daily Interest & Per Diem Calculator
Use this daily interest rate and daily accrual calculator to convert an annual rate to a daily periodic rate and per-diem amount. Compare 360, 365, and 366.
Open calculator →Interest Between Dates Calculator
Calculate simple interest between two exact dates. Choose a date-count rule and compare Actual/360, Actual/365, and Actual/366 daily interest.
Open calculator →Payoff Per Diem Calculator
Calculate payoff per diem, accrued daily interest, and an estimated payoff amount from an as-of balance through a target payoff date.
Open calculator →APR & True Loan Cost Calculator
Estimate APR, payment, net proceeds, total interest, finance charges, and effective annual borrowing cost after points and upfront finance charges.
Open calculator →Advanced Loan Comparison Calculator
Compare up to three loans by payment, points, fees, interest, balance, holding-period cost, and pairwise break-even month.
Open calculator →Balloon Payment Calculator
Calculate the regular payment and remaining balloon balance for a loan with a longer amortization term and earlier balloon date.
Open calculator →Interest-Only Loan Calculator
Calculate the interest-only payment, later amortizing payment, payment increase, and total interest for a two-stage loan.
Open calculator →Irregular Payment Loan Calculator
Reconcile a loan with late, skipped, partial, extra, principal-only, fee, credit, and advance transactions using exact dates and daily simple interest.
Open calculator →Seller Financing & Balloon Note Calculator
Calculate seller-financed payment, balloon balance, seller interest, cash received, note value at a target yield, and implied yield from a note purchase price.
Open calculator →Construction Loan Interest Calculator
Calculate construction-loan interest from dated draws and repayments, including current per diem, average outstanding balance, unused commitment, and optional unused-line fee.
Open calculator →Rule of 78 Calculator
Estimate Rule of 78 interest allocation, unearned interest, principal allocation, and an early payoff balance for a precomputed installment loan.
Open calculator →More than quick answers
Built to help you understand the result
The consumer calculators explain their assumptions and show how the result changes over time. The loan and interest calculators retain the detailed amortization and per-diem tools Power of Interest is known for.
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Your calculator inputs do not need to be sent to our server for the math to run.
Useful result detail
See payoff schedules, growth tables, side-by-side comparisons, interest totals, and visual balance trends where appropriate.
Free to use
Use the calculators as often as you want. Windows software is available separately for workflows that need saved files, editing, reports, and printing.