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Calculators

Use Bankrate's calculators to compare mortgage, home equity and auto loan costs, perfect your budget, pay down debt, and plan for your retirement and investing goals.

Index of calculators

	Mortgage
	Mortgage calculator (includes amortization schedule)
	Amortization schedule calculator
	Advanced mortgage calculator: Calculate your payment and more
	Mortgage points adviser: Which rate/points combination is right for you?
	15-year or 30-year mortgage: Which is right for you?
	Fixed- or adjustable-rate mortgage: Which is right for you?
	Get a biweekly mortgage payment plan
	Interest-only mortgage loan payment calculator
	Rent or buy your next home: Which is right for you?
	See your FICO score range -- free!
	Should you refinance your mortgage?
	Compare the cost of living between cities
	What happens when your adjustable rate mortgage adjusts?
	Adjustable-rate mortgage calculator
	Annual percentage rate calculator for ARM loans
	ARM or fixed-rate calculator
	Balloon mortgage calculator
	Biweekly mortgage payment calculator
	Blended-rate mortgage calculator
	Fixed-rate vs. interest-only mortgage calculator
	Interest-only ARM calculator
	Interest-only mortgage calculator
	Maximum mortgage
	Mortgage annual percentage rate calculator
	15-year vs. 30-year mortgage calculator
	Mortgage debt consolidation calculator
	Mortgage loan calculator
	Mortgage loan payment calculator
	Mortgage payoff calculator
	Mortgage points calculator
	How much money can I borrow for a mortgage?
	Income required for mortgage calculator
	Mortgage tax deduction calculator
	Option ARM vs. fixed-rate mortgage calculator
	Mortgage refinance break-even calculator
	Refinance interest savings calculator
	Rent vs. buy calculator


	Home equity
	Home equity loans vs. lines of credit.
	Can you borrow from your home equity?
	Mortgage calculator: Calculate your payment and more
	Mortgage points adviser: Which rate/points combination is right for you?
	Debt pay-down adviser: What's the fastest and cheapest way to pay down your debts?
	See your FICO score range -- free!
	Mortgage calculator (includes amortization schedule)
	Amortization schedule calculator
	Remodeling? How much tile will you need?
	How much paint should you buy?
	Remodeling? How much flooring will you need?
	How much carpet will you need?
	How much wallpaper will you need?
	Additional payment calculator
	Amortization calculator
	Line of credit calculator
	Debt consolidation calculator
	Loan calculator
	Loan payment calculator
	Line of credit payoff
	Tax deductible loan calculator
	Loan repayment calculator
	Loan comparison calculator
	Loan prequalification calculator


	Taxes
	1040 tax calculator
	401(k), 457 and 403(b) payroll deductions
	Earned Income Tax Credit calculator
	Estate tax planning
	Hourly paycheck calculator
	What is your tax bracket?
	Net-to-gross paycheck calculator
	Payroll deductions calculator
	125 cafeteria plan - Flexible spending accounts
	Self-employed tax calculator
	1040EZ tax form calculator


	CDs & investments
	What will it take to reach your investment goal?
	How much money can you save in your 401(k) plan?
	Should you borrow from your 401(k) plan?
	How much will you need to retire?
	How long until you become a millionaire?
	How much will you need to retire?
	How do I reach my retirement goal?
	CD laddering calculator: How to maximize the return on your CDs
	How long will your savings last?
	CD interest calculator
	How to reach a savings goal -- with scheduled payments
	Watch your savings grow with regular deposits
	How much do I need to save for my child's college education?
	What is your net worth?
	Annuity calculator
	401(k) and Roth contribution calculator
	401(k) spend it or save it calculator
	401(k) or Roth IRA calculator
	Convert IRA to Roth calculator
	Individual 401(k) calculator -- self-employed 401(k)
	Pension calculator
	Required minimum distribution calculator
	Retirement income calculator
	Retirement nest egg calculator
	Roth IRA calculator
	Roth vs. traditional IRA calculator
	Self-employed 401(k) calculator -- individual 401(k) contributions
	Social Security benefit calculator
	Social Security income calculator
	Traditional IRA calculator


	Auto
	Auto loan calculator (includes amortization schedule)
	Negative equity auto loan calculator
	Buy or lease your next car: Which is right for you?
	Your next car, new or used: Which is right for you?
	Auto loan calculator: Calculate your payment and more
	Is a hybrid car right for you?
	See your FICO score range -- free!
	Compare low interest rate and rebate
	How much should you put down?
	Which is better -- a rebate or special dealer financing?
	Will driving to a cheaper gas station save you money?
	How much will the auto lease really cost?
	Car loan rate comparison calculator
	Car early pay off calculator
	Car rebate vs. low-interest calculator
	Car loan home equity calculator
	Buy or lease a car
	Low interest auto financing calculator


	Debt management
	Loan calculator (includes amortization schedule)
	How's your credit?
	Find the best credit card for you
	Debt pay-down adviser: What's the fastest and cheapest way to pay down your debts?
	See your FICO score range -- free!
	Calculate the real cost of your debt
	What will it take to pay off your credit card?
	The true cost of paying the minimum
	Calculate: your savings vs. national average


	College finance
	How much should you save?
	The 529 college-savings-plan estimator
	How much aid can you expect?
	Grade your 529 plan


	Personal finance
	Calculate your payment on any loan (includes amortization schedule)
	How much money can you save in your 401(k) plan?
	Budgeting 101: A tool to start your budgeting process
	Holiday spending work sheet
	Should your spouse work, too?
	What is the cost of raising a child?
	What will it take to save for a college education?
	What will it take to save for a goal?
	How much interest will you pay over the life of a loan?
	What will your monthly payment be (a simple loan calculator)
	Currency converter
	How do you compare with movie stars?
	How do you compare with top golfers?
	How does your salary compare with NBA stars?
	How do you compare with baseball players?
	How do you compare with top athletes?
	How do you compare with NASCAR drivers?
	Compare the cost of living between cities
	Calculate: your savings vs. national average
	Credit risk assessment calculator
	Home budget calculator
	Net worth calculator
	Should my spouse work?
	Student budget calculator


	Retirement
	401(k) savings calculator
	401(k) savings with profit sharing
	403(b) savings calculator
	457 savings calculator
	72(t) calculator: Early withdrawals from retirement accounts
	72(t) distributions: Impact on retirement fund balances
	Beneficiary required minimum distribution
	IRA required minimum distribution
	Required minimum distribution
	Retirement income calculator
	Retirement planner
	Retirement pension planner
	Retirement contribution effects on your paycheck
	Retirement shortfall calculator
	Individual 401(k) savings calculator
	Asset allocation calculator
	Life expectancy calculator
	Stock retirement plan
	Investment fees calculator
	Return on investment calculator
	Investment goals calculator
	Tax equivalent yield calculator
	Mutual fund fees calculator
	Tax advantaged investment calculator


	Insurance
	How much life insurance do I need?
	What type of life insurance do I need?


	Savings
	Calculate: your savings vs. national average
	Interactive IRA picker
	How much do you need to retire?
	Reach your retirement goal
	Spending calculator -- benefit of spending less
	CD ladder calculator
	CD calculator
	College savings calculator
	Compare savings rates
	Compound interest calculator
	Save a million dollars calculator
	Credit union certificate calculator
	Don't delay your savings!
	Emergency savings calculator
	Lunch savings calculator
	Compound savings calculator
	Savings withdrawal calculator
	Savings goal calculator
	Inflation calculator


	Credit cards
	Debt payoff calculator
	Loan consolidation calculator
	Credit card minimum payment calculator
	Credit card balance transfer calculator
	Home equity consolidation calculator
	Credit card debt calculator
	Personal debt consolidation
	Reduce credit card debt calculator
	Student loan debt calculator


	Small business
	Calculate your payment on any loan (includes amortization schedule)
	Current ratio calculator
	Quick ratio calculator
	Debt-to-assets ratio calculator
	Return on assets calculator
	Gross profit margin calculator
	Operating profit percentage calculator

Mortgages

Compare today's rates

NATIONAL OVERNIGHT AVERAGES

30 yr fixed mtg	5.74%
15 yr fixed mtg	5.31%
5/1 ARM	5.15%

Rates may include points

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News & Advice | Compare Rates | Calculators

* Mortgage rate may include points. See rate tables for details. Click here.
* To see the definition of overnight averages click here.

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