Loading…
Loading…
Payoff timeline, total interest, and extra payment impact. Compare refinancing. Now with SAVE plan (income-driven): estimate monthly payment, forgiveness after 20–25 years, 225% poverty exemption. Federal rates 4–8%; private varies. No signup.
Standard payment (10yr)
$388.57
SAVE payment ($45K AGI)
$46.31
SAVE amount forgiven
$35,000
SAVE total paid
$11,115
Standard 10-year: $388.57/mo. SAVE at $45K AGI (single, undergrad): $46.31/mo, forgiveness in 20 years. Remaining $35,000 forgiven (taxable). Use the calculator to compare.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
SAVE: payment based on income, forgiveness after 20–25 years. 225% poverty exemption.
FinCalc AI
Suggested questions:
SAVE (Saving on a Valuable Education) is an income-driven repayment plan. Your monthly payment = 5% (undergrad) or 10% (grad) of discretionary income ÷ 12. Discretionary income = AGI minus 225% of the federal poverty guideline for your household size. Unpaid interest does not capitalize. Remaining balance is forgiven after 20 years (undergrad) or 25 years (grad)—forgiven amount may be taxable as income.
Enter your balance, interest rate, and term. The calculator shows total interest over the life of the loan. Federal undergrad rates are typically 4–6%, grad 6–8%; private varies. Extra payments reduce total interest significantly.
Refinancing can lower your rate and total interest if you qualify for a better rate. Use the refinancing comparison: enter a potential new rate and term. You lose federal protections (income-driven, forgiveness) when refinancing federal loans to private.
Extra payments go directly to principal, reducing interest accrual. Even $50–100/month can save thousands and shorten payoff by years. The calculator shows interest saved and months saved vs the standard schedule.
Federal undergraduate loans (2024–25): about 5.5–6.5%. Graduate: ~7%. Parent PLUS: ~8%. Private loans vary by credit, often 4–15%. Use your actual rate from your servicer for accurate results.
SAVE (Saving on a Valuable Education) is an income-driven repayment plan. Your payment = 5% (undergrad) or 10% (grad) of discretionary income. Discretionary income = AGI minus 225% of federal poverty guideline. Remaining balance is forgiven after 20 years (undergrad) or 25 years (grad). Unpaid interest does not capitalize under SAVE.
It depends on your income and balance. Low income + high balance: SAVE often lowers monthly payment and can result in forgiveness. High income + moderate balance: standard repayment may cost less total. Use the calculator to compare: select SAVE for income-driven estimates, or Standard for fixed payment and refinancing comparison.
At 6% with a $500 monthly payment, about 10 years (~$10,000 in interest). At $750/month, about 6.5 years (~$8,500 interest). Extra payments go to principal and shorten the term. Federal grad rates are ~7%; undergrad ~5.5%. Use the calculator with your balance, rate, and payment to see payoff date.
Mortgage Early Payoff
Calculate how extra payments reduce your mortgage term and total interest paid. Supports annuity and differentiated payment schedules.
Retirement Savings
Project your retirement savings with compound interest, employer matching, and inflation adjustment. Based on the 4% withdrawal rule.
Dividend Tax
Calculate net dividends after tax across 8 countries. Includes withholding rates, surcharges, and tax-free allowances.
Capital Gains Tax Calculator (2026)
Free capital gains tax calculator. Estimate tax on stocks, property, and investments. Short-term vs long-term rates for USA, UK, Canada, Australia, and more.
Salary After Tax Calculator (2026)
Free salary after tax calculator. Find take-home pay for USA (all 50 states), UK, Germany, Canada, France, Australia, Japan, Poland. Federal and state tax.
Income Tax Calculator by State (2026)
Free income tax calculator for all 50 US states. Estimate federal + state tax, refund or owed, effective rate, FICA, and child tax credits.
Paycheck Calculator — Take Home Pay by State (2026)
Free paycheck calculator for all 50 US states. Estimate your take-home pay after federal, state tax, and FICA. Salary or hourly, weekly, biweekly, monthly.
Hourly to Salary
Convert hourly wage to annual salary, monthly, biweekly, weekly, and daily income. Includes quick reference rates.
Net Worth Calculator
Calculate total assets, total liabilities, and net worth. Includes age-based benchmark comparison from Federal Reserve SCF data.
Emergency Fund Calculator
How much emergency fund do you need? 3, 6, 9, or 12 months of expenses. Adjust for job stability and dependents.
Debt Payoff
Compare avalanche and snowball strategies to pay off multiple debts. See total interest saved and your debt-free date.
Rent vs Buy
Should you rent or buy? Compare total costs including mortgage, taxes, appreciation, and opportunity cost over time.
Inflation Calculator
Calculate how inflation erodes purchasing power. See the future or historical value of money with year-by-year breakdown.
Compound Interest
Calculate how your savings grow with compound interest. Initial deposit, monthly contributions, and year-by-year breakdown.
Millionaire Calculator
See when you'll reach $1 million. Wealth timeline with milestones, what-if scenarios, and contribution vs. growth breakdown.
Salary Benchmark Calculator
Am I underpaid? Compare your salary to BLS median by job, experience, state. Get negotiation targets and percentile.
Wedding Budget Calculator
Plan your wedding costs with category breakdown. What it really costs — months of salary, opportunity cost.
FIRE Calculator
Financial Independence, Retire Early. Your FIRE number, years to FIRE, savings rate, and year-by-year projection.
Coast FIRE Calculator
Calculate how much you need saved now so you can stop contributing and still retire through compound growth.
Barista FIRE Calculator
Estimate the portfolio needed to leave full-time work, cover expenses with part-time income, and withdraw the remaining gap.
Loan Calculator
Calculate loan payments (EMI), total interest, total amount paid, and effective annual rate. Full amortization. Monthly or biweekly.
Tariff Impact Calculator
Estimate annual household cost increases from 2026 tariffs by income, spending mix, and category-level price pass-through.
Financial Health Score
Get a 0-100 score of your overall financial health with a quick, gamified assessment and targeted recommendations.
Self-Employment Tax Calculator
Estimate 1099 and freelance taxes including self-employment tax, federal/state tax, quarterly payments, and take-home income.
Pay Raise Calculator After Taxes (2026)
Free raise calculator with taxes. See your real paycheck increase after federal and state tax. Inflation-adjusted raise by state and filing status.
Job Offer Comparison Calculator
Compare job offers using salary, bonus, equity, 401k match, commute, health costs, PTO, and state tax differences.
Daily Spending Impact Calculator
Track recurring habits and see annual cost plus long-term invested value over 5, 10, 20, and 30 years.
Subscription Audit Calculator
Calculate monthly and annual subscription spend, category breakdown, top leaks, and downgrade savings.
Real Salary History Tracker
Compare salary history against inflation to reveal true purchasing-power growth in current dollars.
House Affordability Calculator
Estimate max home price using debt ratios, down payment, mortgage rate, and state-specific property tax assumptions.
Social Security Benefits Estimator
Compare Social Security benefits at 62, 67, and 70 with lifetime totals and break-even ages.
True Cost of Ownership Calculator
Calculate the real cost of owning a car or home including hidden costs, depreciation, fees, and long-term totals.
Cost of Raising a Child Calculator
Estimate 0-18 child lifecycle costs with regional adjustments, childcare scenarios, inflation, and multi-child savings.
Pet Cost Calculator
Estimate dog and cat ownership costs over their lifespan. Food, vet, grooming, supplies, and regional adjustments.
401(k) Early Withdrawal Calculator
Estimate tax and 10% penalty on 401(k) early withdrawal. Federal, state, and net you keep by state and income.
Freelance Rate Calculator
How much to charge per hour to take home your target. Includes self-employment tax, federal, and state tax.
HOA Cost Calculator
Total HOA cost over 10–30 years with growth and special assessments. See what condo dues really cost.
Severance Pay Calculator
Estimate severance lump sum, PTO payout, and runway. 1–2 weeks per year typical. Runway with COBRA.
Roommate Rent Split Calculator
Fair rent division by room size and private bath. Split by sq ft with amenity premium.
Life Decision Financial Calculator
Compare major choices like school, relocation, business, and career switch using break-even and NPV.
Tip Calculator
Calculate tip amount, total with tip, and per-person split. 15–25% presets, split evenly.
Split Bill Calculator with Tax and Tip
Free split bill calculator with tax and tip. Itemized bill split by person. Add items, assign to people, proportional tax & tip. For Venmo and group dinners.
Rent Budget Calculator
How much rent can you afford? 30% rule: max rent = 30% of gross income. 25% conservative, 35% stretch.
BNPL Cost Calculator
Buy Now Pay Later: Klarna, Afterpay, Affirm. Compare fee/interest vs pay-in-full. Interest-free, flat fee, or APR.
Down Payment Savings Calculator
How long to save for a home down payment? Target, current savings, monthly contribution, expected return. Year-by-year projection.
Car Affordability Calculator
What car can you afford? 20/4/10 rule: payment ≤10% of income. Max car price from income, down payment, rate, term.
Maternity Leave Savings Calculator
How much to save before maternity leave? Income gap, unpaid weeks, one-time baby costs. FMLA 12 weeks unpaid.
Career Break Impact Calculator
How much does a career break cost your retirement? Lost contributions, match, compound growth. 2–5 years out.
RMD Calculator
Calculate Required Minimum Distribution for IRA/401k. IRS Uniform Lifetime Table, SECURE 2.0 ages 73/75.
Pension vs Lump Sum
Compare taking pension as annuity vs lump sum. NPV analysis with COLA and discount rate.
Retirement Withdrawal Calculator
How long will your portfolio last? 4% rule, inflation-adjusted withdrawals, year-by-year projection.
Roth Conversion Tax Calculator
Estimate federal and state tax on converting traditional IRA/401k to Roth. All 50 states.
Medicare IRMAA Calculator
Estimate Medicare Part B and Part D surcharges based on modified AGI. IRMAA income tiers.
PTO Value Calculator
How much are your vacation days worth? Dollar value per PTO day from salary. Take vacation vs cash out.