Free calculators for your biggest money decisions
Run the numbers on a home, a car loan, a credit card or your retirement in seconds. Every calculator explains the math in plain English, there's nothing to sign up for, and the numbers you enter never leave your device.
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Mortgage and home
Home Affordability Calculator
How much house you can afford from your income, debts and down payment.
Mortgage Calculator
Your full monthly payment with taxes, insurance, PMI and HOA, plus what extra payments save.
Rent vs. Buy Calculator
Whether buying or renting leaves you better off after the years you plan to stay.
Refinance Calculator
Your new payment, the monthly savings and the break-even point of a refinance.
Mortgage Payoff Calculator
How much sooner you'd own your home with extra, lump-sum or biweekly payments.
Loans
Debt
Credit Card Payoff Calculator
How long until your card is paid off, and what minimum payments really cost.
Debt Payoff Calculator
The snowball and avalanche methods side by side for all of your debts.
Debt Consolidation Calculator
Whether one consolidation loan would cost less than your current debts.
Balance Transfer Calculator
Whether a 0% balance transfer is worth the fee.
Debt-to-Income Ratio Calculator
Your DTI ratio and what lenders look for.
Savings and retirement
Compound Interest Calculator
How savings and investments grow with monthly contributions and time.
Savings Goal Calculator
How much to save each month, or how long a goal will take.
CD Calculator
The interest a CD earns and its value at maturity.
Retirement Calculator
Whether your savings are on track for the retirement income you want.
Guides
15-Year vs. 30-Year Mortgage
How the payment and total interest compare, and who each one suits.
Fixed vs. Adjustable-Rate Mortgage
How ARMs adjust and when they can make sense.
How to Get Rid of PMI
The rules for cancelling mortgage insurance, and how to get there sooner.
How Amortization Works
Why early loan payments are mostly interest, with examples.
How to Pay Off $10,000 in Credit Card Debt
A step-by-step plan with the numbers for each option.
Why use DollarSums?
We show our work
Every calculator page explains the formula it uses, walks through a worked example and states its assumptions, such as whether interest is applied monthly or how a minimum payment is estimated. You should never have to trust a number you can't understand.
Private by design
All calculations run directly in your web browser. The balances, rates and amounts you type are never sent to us or stored anywhere. There are no accounts, no lead forms and no requests for your phone number.
Built on standard formulas
Our calculators use the same amortization and compound interest formulas that lenders and banks use. We test every calculator against reference values worked out independently, and each page shows the date it was last reviewed.
Independent
DollarSums is supported by advertising. We don't sell loans, cards or investment products, and no advertiser can influence how a calculator works or what its results say.
A quick note on accuracy
Calculators give you estimates, not offers. Your real numbers depend on your lender, your credit, local taxes and the exact terms of your agreement. Use these tools to understand your options and ask better questions. Then confirm the details with your lender's official documents, such as a mortgage Loan Estimate or your credit card statement. For decisions specific to your situation, consider speaking with a qualified financial professional.