This page collects every money calculator on Figuro in one place: loans and mortgages, retirement and investing, and the taxes and paychecks that shape your monthly budget. Each tool runs the same math a bank, lender, or accountant would use, but shows the formula and the reasoning behind the number instead of just handing you a figure.
Monthly principal & interest payment for a home loan.
Monthly payment and total interest for any loan.
Monthly car payment after down payment and trade-in.
Simple interest earned or owed over time.
Find the payment for a fixed loan amount and rate.
Projected nest egg from savings and contributions.
Payment breakdown of principal vs. interest over time.
Future value of a lump sum plus regular contributions.
What today’s money will be worth after inflation.
Future value of a present amount at a given rate.
Simplified estimate of US federal income tax.
Future value of an investment with compounding.
Convert annual salary to hourly, weekly and monthly.
Solve for the interest rate behind a loan payment.
Tax amount and total price including tax.
Time and interest to pay off a card at a fixed payment.
Project retirement account growth with contributions and employer match.
Start from the decision you're actually trying to make, not the calculator's name. If you're comparing whether to buy or keep renting, the Mortgage Calculator and the Rent vs. affordability guidance in "How Much House Can I Afford" matter more than a generic loan tool.
For anything involving monthly payments — a mortgage, a car, a personal loan, or a credit card balance — the Loan Calculator, Auto Loan Calculator, and Credit Card Payoff Calculator all use amortization math, so the difference is in the inputs they expect (down payment and term vs. balance and APR) rather than the underlying formula.
For long-horizon questions — "will I have enough saved by 65?" or "what does compounding actually add?" — use the Retirement Calculator, Investment Calculator, or 401k & Roth IRA Calculator rather than a simple interest tool, since these account for regular contributions over time, not just a single lump sum.
Tax and paycheck tools (Income Tax, Sales Tax, Salary Calculator) are US-focused and use the latest published federal brackets and standard rates — useful for estimating take-home pay or a purchase's real cost, but not a substitute for a tax professional when your situation is complex.
Are these financial calculators accurate enough to make real decisions with?
They use the same standard formulas lenders and financial planners rely on — amortization for loans, compound interest for savings, published brackets for tax estimates — so the math itself is accurate. The results are still estimates: a real loan offer or tax bill depends on details a calculator can't know, like your credit profile, exact filing status, or a lender's specific fees.
Why does my mortgage or loan calculator not match my actual bill?
Most loan calculators show principal and interest only. Your real monthly payment usually adds property taxes, homeowners insurance, and sometimes PMI or HOA dues on top — which is why the on-page explanations break down what's included and what's added separately.
What's the difference between the Loan Calculator and the Amortization Calculator?
The Loan Calculator gives you the monthly payment and total interest for a loan. The Amortization Calculator goes further and shows the full payment-by-payment schedule, so you can see exactly how much of each payment goes to principal versus interest over time.
Should I use the Retirement Calculator or the Investment Calculator?
The Retirement Calculator is built around regular contributions toward a savings goal by a target age. The Investment Calculator is more general — it projects the future value of a lump sum plus optional contributions, useful for any savings goal, not just retirement.
Do the tax calculators account for state taxes?
No — the Income Tax and Salary calculators estimate federal obligations only, since state tax rules vary widely and change independently of federal law. Sales Tax lets you enter your own local rate directly, since that's set at the state or city level.