💳 Savings, Credit & Pay Calculators

Find out how long it will take to pay off your credit card and how much interest you will pay — by fixed payment, target date or minimum payments only.

See how much a 0% balance transfer saves after the transfer fee, how long the debt takes to clear, and the payment needed to clear it in the promo period.

Work out how much to save each month to reach a savings goal by a date, or how long it will take at your current saving rate, with interest.

Calculate CD interest and maturity value from the deposit, APY or rate and compounding, and term in months — with a comparison of terms.

Convert APR to APY (effective annual rate) or APY back to APR for daily, monthly, quarterly or continuous compounding.

Calculate dividend income from your investment and yield, and project growth with dividend reinvestment (DRIP), dividend growth and price growth.

Calculate annuity payments from a lump sum, the present value of a stream of payments, or the future value of regular contributions — with growing annuities.

Split rent fairly between roommates by bedroom size, by income or equally — with shared space split evenly.

Calculate overtime pay at time and a half or double time, your total weekly pay and the overtime premium.

Work out a pro-rata salary for part-time hours or a 4-day week, the FTE, and pay for part of a year when starting or leaving.

See how much interest and how many years you save by overpaying your mortgage each month or with a lump sum, including any early repayment charge.

Find out if refinancing your mortgage is worth it: new payment, monthly saving, break-even point and lifetime interest after closing costs.

Calculate gross and net rental yield, cap rate, cash flow and cash-on-cash return for a buy-to-let or rental property.