Use these calculators for everyday spending, borrowing, and planning. Everyday Money covers tips, tax, discounts, and fuel costs. Vehicles helps with car affordability, loans, lease vs buy, and EV costs. Borrowing & Loans handles home affordability, mortgages, HELOCs, rent vs buy, and debt payoff. Income & Budget covers paychecks, salary, taxes, and budgeting. Wealth & Investment includes net worth, inflation, bonds, and college cost. Search or pick a category below to start.
Doc, title, and registration fees are not included. Leases often have acquisition, security deposit, and disposition fees; in practice leasing can cost more than this estimate.
Money Factor: The lease equivalent of an interest rate, usually shown as a decimal (e.g. 0.00208). Multiply by 2,400 to get approximate APR. Set by the lessor; lower is better.
Interest Rate (APR): Annual percentage rate. Same cost of money as money factor: APR ÷ 2,400 ≈ money factor.
Residual Value: Estimated value of the vehicle at the end of the lease (set by the lessor). A higher residual usually means a lower monthly payment but a higher amount due if you buy the car at the end.
Compare the true financial impact of renting versus buying over time, including ownership costs, investing opportunity cost, and break-even timing.
Analysis exit sets the year for the main result (verdict, costs, thresholds). Leave blank to use the chart range. Charts/tables can extend farther than that year. Planned stay is only for the early-exit stress case when it is shorter than your analysis exit.
Recurring costs are annualized in the model. Moving costs are one-time transaction costs at entry and exit.
Tax savings are a simplified marginal-rate approximation on deductible mortgage interest and property tax. Not a full tax return; use toggles to reflect itemizing vs standard deduction.
Modeled once after the first month. The Downside scenario uses at least 10% if this stays at 0.
Subjective: extra you value renting’s flexibility — not a landlord invoice. It increases modeled rent-side cost.
Deductions use a simplified marginal-rate estimate; bracket phase-outs, AMT, and full return interactions are not modeled. Use toggles as directional guidance.
Presets fill the return fields as an assumption shortcut—not a back-tested portfolio.
Adjust how much conservative vs optimistic scenarios move appreciation, rent growth, and investment return relative to your base inputs.
| Loan Name | Balance ($) | APR (%) | Min. Payment ($/mo) |
|---|
💡 US avg: ~3.2% (1913–2024) · 2000s: ~2.6% · 2010s: ~1.8% · 2020–24: ~5.1%
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