财务计算器

Compare cash paid and the balance still owed at your planned exit month, including fees paid upfront or financed.

按最新每日参考汇率换算 160 种货币，显示汇率日期和 90 天历史图表。

Auto loan calculator: monthly car payment with trade-in, amount owed, sales tax and fees, total interest, a payment schedule, or the price a budget buys.

Find how much house you can afford: the highest home price whose payment, tax, insurance, HOA and PMI fit the 28% and 36% debt-to-income limits.

计算住房、汽车或个人贷款的月供、总利息，以及包含提前还款的逐月还款计划。

估算包含房产税、保险、业主协会费用（HOA）和私人抵押贷款保险（PMI）的月供，并查看还款计划及额外还款节省的金额。

Amortization calculator: payment, dated schedule and yearly totals for monthly, biweekly or weekly payments, with principal and interest in each.

Calculate a loan's APR with fees by the Regulation Z actuarial method, the amount financed, the finance charge and the effective annual rate.

Canadian mortgage payment with semi-annual compounding, accelerated bi-weekly or weekly options, the CMHC insurance premium and the balance at renewal.

Calculate a monthly car lease payment from the price, residual value and money factor or APR, split into depreciation, finance charge and tax.

Calculate how long a credit card balance takes to pay off on minimum payments versus a fixed monthly payment, and the interest each costs.

Debt consolidation calculator: compare your debts with one loan — monthly payment, total interest, payoff time, APR with fees and the break-even rate.

Compare the debt snowball (smallest balance first) and avalanche (highest rate first): months to debt-free, total interest and payoff order.

Calculate your debt-to-income ratio (DTI), front-end and back-end, against lender limits, and the debt cut or income rise that reaches your target.

Down payment and closing costs you need, how long your savings take to reach them (or the monthly saving needed), and the PMI cost below 20% down.

FHA loan payment with the 1.75% upfront MIP, the annual MIP from HUD's current table, taxes and insurance, and a check against your county's 2026 loan limit.

Home equity you can borrow at your lender's CLTV limit, and HELOC payments in the interest-only draw period and the repayment period, or a fixed home equity loan.

Find how much you can borrow from the monthly payment you can afford at your rate and term, and the price your down payment then buys.

Mortgage payoff calculator: new payoff date, months and interest saved by extra monthly, yearly or one-time payments, or the extra to finish by a date.

Compare refinancing at your planned sale or payoff month. See payments, closing costs, remaining balances and savings with cash or financed fees.

Student loan calculator: payment, total interest and payoff date on the federal standard, tiered or extended plan or a custom term, with extra payments.

VA loan payment with the VA funding fee from the current table (first or later use, by down payment), the financed loan amount, taxes and insurance.

计算存款加定期投入的未来价值，支持任意复利频率，包括按日复利和连续复利。

估算每月共同基金定投（SIP）的到期价值，可选择每年增加投入，或计算达到目标所需的定投金额。

Solve for the future value, present value, interest rate or time of a lump sum from the other three, with any compounding, including continuous.

Calculate an annuity's future value from regular payments, the payout a lump sum buys over N years, or how long it lasts at a set withdrawal.

Calculate CD interest and maturity value from the APY or APR and compounding, convert APY to APR, and see what an early withdrawal penalty costs.

Calculate what a purchase will cost after inflation, what your money will still buy, and your real return after inflation.

Calculate how much to save each month to reach a savings goal by a date, or how long a monthly deposit takes to get there, with interest.

Calculate simple interest (I = P × r × t) and the maturity amount on a principal for a term in years, months or days.

Calculate US take-home pay per paycheck and per year: 2026 federal withholding (IRS Pub. 15-T), Social Security, Medicare, state tax and deductions.

Convert an annual salary to an hourly wage or hourly pay to salary, plus daily, weekly, biweekly, semimonthly and monthly pay.

Calculate sales commission at a flat or tiered rate, total pay with base salary, the effective rate, and the sales needed to earn a target commission.

Calculate NPV, IRR, modified IRR, payback and discounted payback for a series of periodic cash flows, with the NPV profile across rates.

Calculate ROI (total return) and CAGR (compound annual growth rate) from an investment's start and end values, over years or between two dates.

Calculate European call and put prices and the Greeks (delta, gamma, theta, vega, rho) with the Black-Scholes-Merton model, including dividends.

Calculate a bond's price from its yield to maturity, or the YTM from its price, with current yield, Macaulay and modified duration and convexity.

Calculate a rental property's cap rate, NOI, monthly cash flow, cash-on-cash return and IRR, with a year-by-year projection of rent, value and equity.

Calculate your average cost per share across several buys, unrealized profit and return, and the position size for your risk and stop loss.

Calculate XIRR, the annualized return on cash flows made on irregular dates, and XNPV at your discount rate, matching Excel's actual/365 method.

Calculate how much you need to retire on inflation-adjusted expenses, the monthly saving that gets you there, and how the money runs down.

Compare renting and buying a home: net worth from owning versus renting and investing the difference, year by year, and when buying pulls ahead.

Calculate the break-even point in units and sales revenue from fixed costs, price and variable cost, plus the volume needed for a target profit.

Calculate enterprise value, equity value and value per share with a DCF: projected free cash flows plus a Gordon-growth terminal value.

Calculate a depreciation schedule by straight-line, declining balance, double declining, sum-of-years' digits or units of production, with book value.

Add GST, VAT or sales tax to a price, or remove it from a tax-inclusive price, with stacked state and local rates or India's CGST/SGST split.

Calculate income tax for India FY 2025-26 (new vs old regime), US federal 2025 and UK 2025-26, with take-home pay and marginal and effective rates.

Calculate your 401(k) balance at retirement from salary, contribution rate and a two-tier employer match, with 2026 IRS limits and catch-up.

Calculate your 2026 Roth IRA contribution limit after the income phase-out, its growth, and whether a Roth or traditional IRA leaves more after tax.

Calculate your required minimum distribution from the IRS Uniform Lifetime or joint table, your RMD starting age (73 or 75), and future RMDs.