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AI Credits & Points System: Currently in active development. We're building something powerful — stay tuned for updates!
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Calculate monthly mortgage payments, interest, and total cost for home loans with comprehensive loan analysis. Includes principal, interest, property taxes, homeowners insurance, and PMI calculations. Compare 15-year vs 30-year mortgages, determine how much house you can afford, and understand how interest rates impact total loan costs. Essential for homebuyers and real estate planning.
Calculate loan payments, interest, and total cost for personal loans with detailed payment breakdowns. Compare different loan offers, understand how loan terms affect monthly payments and total interest, determine maximum borrowing capacity, and analyze principal vs interest portions. Perfect for evaluating personal loans, student loans, and credit options.
Calculate monthly car loan payments, interest, and total cost with vehicle financing analysis. Includes down payment and trade-in value calculations, compares different loan terms (36-72 months), shows how interest rates affect payments, and determines maximum vehicle price you can afford. Essential for car buyers comparing financing options and planning vehicle purchases.
Calculate simple and compound interest on loans and investments with flexible calculation options. Supports multiple compounding frequencies (daily, monthly, quarterly, annually), computes total interest paid or earned, and shows how compound interest accelerates growth over time. Perfect for understanding loan costs, savings growth, and investment returns.
Calculate effective interest rates, APR, and compare different rate scenarios to understand true borrowing costs. Converts between nominal and effective annual rates, accounts for compounding frequency, helps compare loan offers, and shows how small rate differences significantly impact total costs. Essential for making informed financial decisions when choosing loans or investments.
Calculate loan payment amounts based on principal, rate, and term with standard loan payment formulas. Solve for monthly payments, determine maximum loan amounts based on payment budget, and understand how loan terms affect payment amounts. Perfect for budgeting, loan planning, and comparing payment options across different loan scenarios.
View detailed loan payment schedule showing principal and interest breakdown over time with comprehensive amortization tables. See how each payment reduces principal vs interest, calculate savings from extra payments, understand loan payoff timeline, and track remaining balance. Essential for mortgage planning, loan analysis, and optimizing payment strategies.
Calculate investment returns, growth, and future value of investments with comprehensive portfolio analysis. Includes initial investments, regular contributions, expected return rates, and time periods. Compare different investment scenarios, determine required contributions to reach goals, and understand how compound growth accelerates wealth building over time.
Calculate compound interest growth on savings and investments over time with detailed compounding analysis. Supports multiple compounding frequencies, shows exponential growth patterns, calculates doubling time using Rule of 72, and demonstrates how compound interest accelerates returns. Perfect for retirement planning, savings goals, and understanding long-term investment growth.
Calculate how inflation affects purchasing power and adjust values for inflation with historical and projected rates. Convert past dollar amounts to today's value, determine future purchasing power, calculate inflation-adjusted investment returns, and plan retirement savings accounting for inflation. Essential for realistic financial planning and understanding true economic value over time.
Calculate annual salary, hourly rate, and compare salary offers with comprehensive compensation analysis. Convert between hourly and annual pay, include overtime calculations, compare total compensation including benefits, and determine equivalent salaries across different pay structures. Essential for job negotiations, career planning, and understanding true earning potential.
Calculate total annual income from multiple sources and income types including employment, self-employment, investments, rental properties, and side income. Converts monthly and weekly pay to annual amounts, calculates gross vs net income, and provides comprehensive income summaries. Essential for loan applications, tax planning, budgeting, and financial goal setting.
Calculate take-home pay after taxes and deductions with detailed paycheck breakdowns. Includes federal and state income taxes, Social Security, Medicare, health insurance, retirement contributions (401k, IRA), and other deductions. Supports different pay frequencies, filing statuses, and helps adjust withholdings. Essential for budgeting and understanding your actual earnings.
Calculate payroll for employees including taxes, deductions, and net pay with comprehensive payroll processing. Handles federal and state taxes, Social Security, Medicare, FUTA, SUTA, overtime calculations, and various deductions. Processes multiple employees, supports different pay schedules, and ensures accurate payroll compliance. Essential for business owners and HR departments.
Calculate federal and state income taxes based on income and filing status with comprehensive tax planning tools. Supports all filing statuses, includes standard and itemized deductions, accounts for tax credits, applies progressive tax brackets, and estimates refunds or amounts owed. Essential for tax planning, budgeting, and understanding your tax liability.
Calculate sales tax on purchases and determine total cost including tax with location-specific rates. Works with different state, county, and city tax rates, calculates combined tax rates, determines pre-tax prices from totals, and helps budget for purchases. Perfect for shopping, pricing products, and understanding purchase costs across different locations.
Calculate debt-to-income ratio to assess loan eligibility and financial health with comprehensive DTI analysis. Includes all monthly debt payments (mortgage, loans, credit cards), compares to gross income, shows DTI percentage and qualification status, and helps plan strategies to improve ratios. Essential for mortgage applications, loan approvals, and financial planning.
Calculate 401k retirement savings growth, contributions, and future value with employer matching calculations. Includes current balance, annual contributions, employer match percentages, expected returns, and years until retirement. Shows how contribution increases affect final balance and helps determine required contributions to reach retirement goals. Essential for retirement planning.
Plan for retirement by calculating savings needs, income requirements, and retirement goals with comprehensive retirement planning tools. Accounts for current savings, expected contributions, investment returns, inflation, Social Security benefits, and desired retirement lifestyle. Determines if you're on track, calculates required savings, and helps set realistic retirement targets.
Comprehensive financial calculator for time value of money, loans, investments, and financial planning with TVM (Time Value of Money) calculations. Solves for present value, future value, payment amounts, interest rates, and number of periods. Handles annuities, loans, investments, and any financial scenario involving time and interest. Essential for financial analysis and planning.