{ "site": "TopFinClub", "baseUrl": "https://topfinclub.com", "version": "1.1", "description": "45 free financial calculators with URL parameter support for pre-filled values", "languages": [ "en", "es", "fr", "de", "pt", "zh", "ja", "ar", "hi", "it", "ko" ], "resultSelector": "script#calc-result", "calculators": [ { "id": "mortgage", "name": "Mortgage Calculator", "url": "/calculators/mortgage.html", "description": "Calculate monthly mortgage payment, total interest, and amortization schedule", "category": "Mortgage & Loans", "params": { "hp": { "name": "Home Price", "type": "number", "unit": "USD", "default": 400000 }, "dp": { "name": "Down Payment %", "type": "number", "unit": "percent", "default": 20 }, "r": { "name": "Annual Interest Rate", "type": "number", "unit": "percent", "default": 6.5 }, "t": { "name": "Loan Term", "type": "number", "unit": "years", "default": 30, "options": [ 10, 15, 20, 30 ] }, "pt": { "name": "Property Tax Rate", "type": "number", "unit": "percent", "default": 1.2 }, "ins": { "name": "Annual Insurance", "type": "number", "unit": "USD", "default": 1200 }, "hoa": { "name": "Monthly HOA", "type": "number", "unit": "USD", "default": 0 } }, "outputs": [ "monthlyPayment", "principalAndInterest", "totalInterest", "totalCost", "loanAmount" ] }, { "id": "loan", "name": "Loan Calculator", "url": "/calculators/loan.html", "description": "Calculate monthly payments for personal, auto, or student loans", "category": "Mortgage & Loans", "params": { "amt": { "name": "Loan Amount", "type": "number", "unit": "USD", "default": 25000 }, "r": { "name": "Annual Interest Rate", "type": "number", "unit": "percent", "default": 8 }, "t": { "name": "Loan Term", "type": "number", "unit": "years", "default": 5 } }, "outputs": [ "monthlyPayment", "totalPayment", "totalInterest" ] }, { "id": "compound-interest", "name": "Compound Interest Calculator", "url": "/calculators/compound-interest.html", "description": "See how money grows with compound interest over time", "category": "Interest & Growth", "params": { "p": { "name": "Initial Investment", "type": "number", "unit": "USD", "default": 10000 }, "c": { "name": "Monthly Contribution", "type": "number", "unit": "USD", "default": 500 }, "r": { "name": "Annual Interest Rate", "type": "number", "unit": "percent", "default": 7 }, "y": { "name": "Investment Period", "type": "number", "unit": "years", "default": 20 }, "f": { "name": "Compounding Frequency", "type": "number", "unit": "times/year", "default": 12, "options": [ 1, 2, 4, 12, 365 ] } }, "outputs": [ "futureValue", "totalContributions", "interestEarned", "growth" ] }, { "id": "simple-interest", "name": "Simple Interest Calculator", "url": "/calculators/simple-interest.html", "description": "Calculate simple interest on a principal amount", "category": "Interest & Growth", "params": { "p": { "name": "Principal", "type": "number", "unit": "USD", "default": 10000 }, "r": { "name": "Annual Rate", "type": "number", "unit": "percent", "default": 5 }, "t": { "name": "Time Period", "type": "number", "unit": "years", "default": 5 } }, "outputs": [ "interest", "total", "dailyInterest" ] }, { "id": "roi", "name": "ROI Calculator", "url": "/calculators/roi.html", "description": "Calculate return on investment and CAGR", "category": "Investing", "params": { "i": { "name": "Initial Investment", "type": "number", "unit": "USD", "default": 10000 }, "f": { "name": "Final Value", "type": "number", "unit": "USD", "default": 15000 }, "t": { "name": "Period", "type": "number", "unit": "years", "default": 3 } }, "outputs": [ "roi", "cagr", "profit", "multiple" ] }, { "id": "savings-goal", "name": "Savings Goal Calculator", "url": "/calculators/savings-goal.html", "description": "Find how long to reach your savings goal", "category": "Savings & Planning", "params": { "goal": { "name": "Savings Goal", "type": "number", "unit": "USD", "default": 50000 }, "cur": { "name": "Current Savings", "type": "number", "unit": "USD", "default": 5000 }, "mo": { "name": "Monthly Contribution", "type": "number", "unit": "USD", "default": 500 }, "r": { "name": "Annual Rate", "type": "number", "unit": "percent", "default": 5 } }, "outputs": [ "timeToGoal", "totalContributions", "interestEarned" ] }, { "id": "retirement", "name": "Retirement Calculator", "url": "/calculators/retirement.html", "description": "Plan retirement and check if you're on track", "category": "Savings & Planning", "params": { "age": { "name": "Current Age", "type": "number", "default": 30 }, "rage": { "name": "Retirement Age", "type": "number", "default": 65 }, "sav": { "name": "Current Savings", "type": "number", "unit": "USD", "default": 50000 }, "mo": { "name": "Monthly Contribution", "type": "number", "unit": "USD", "default": 500 }, "r": { "name": "Expected Return", "type": "number", "unit": "percent", "default": 7 }, "inf": { "name": "Inflation Rate", "type": "number", "unit": "percent", "default": 3 }, "inc": { "name": "Monthly Retirement Income", "type": "number", "unit": "USD", "default": 4000 } }, "outputs": [ "projectedSavings", "requiredSavings", "monthlyAvailable", "surplus" ] }, { "id": "credit-card", "name": "Credit Card Payoff Calculator", "url": "/calculators/credit-card.html", "description": "Find out when you'll be debt-free", "category": "Mortgage & Loans", "params": { "bal": { "name": "Balance", "type": "number", "unit": "USD", "default": 5000 }, "apr": { "name": "APR", "type": "number", "unit": "percent", "default": 22 }, "pmt": { "name": "Monthly Payment", "type": "number", "unit": "USD", "default": 200 } }, "outputs": [ "monthsToPayoff", "totalInterest", "totalPaid" ] }, { "id": "fire", "name": "FIRE Calculator", "url": "/calculators/fire.html", "description": "Calculate Financial Independence number and years to retire early", "category": "Investing", "params": { "exp": { "name": "Annual Expenses", "type": "number", "unit": "USD", "default": 40000 }, "sav": { "name": "Current Savings", "type": "number", "unit": "USD", "default": 100000 }, "inc": { "name": "Annual Income", "type": "number", "unit": "USD", "default": 80000 }, "r": { "name": "Expected Return", "type": "number", "unit": "percent", "default": 7 }, "wr": { "name": "Withdrawal Rate", "type": "number", "unit": "percent", "default": 4 } }, "outputs": [ "fireNumber", "yearsToFire", "savingsRate", "coastFire" ] }, { "id": "dca", "name": "Dollar Cost Averaging Calculator", "url": "/calculators/dca.html", "description": "See how regular investments grow over time", "category": "Investing", "params": { "amt": { "name": "Investment Amount", "type": "number", "unit": "USD", "default": 500 }, "r": { "name": "Annual Return", "type": "number", "unit": "percent", "default": 10 }, "y": { "name": "Years", "type": "number", "unit": "years", "default": 20 }, "freq": { "name": "Frequency", "type": "string", "default": "monthly", "options": [ "weekly", "biweekly", "monthly" ] } }, "outputs": [ "portfolioValue", "totalInvested", "totalGains", "cagr" ] }, { "id": "dividend", "name": "Dividend Calculator", "url": "/calculators/dividend.html", "description": "Calculate dividend yield, income, and DRIP growth", "category": "Investing", "params": { "price": { "name": "Share Price", "type": "number", "unit": "USD", "default": 50 }, "shares": { "name": "Number of Shares", "type": "number", "default": 100 }, "dps": { "name": "Annual Dividend/Share", "type": "number", "unit": "USD", "default": 2 }, "dgr": { "name": "Dividend Growth Rate", "type": "number", "unit": "percent", "default": 5 }, "hold": { "name": "Holding Period", "type": "number", "unit": "years", "default": 10 } }, "outputs": [ "currentYield", "annualIncome", "yieldOnCost", "totalReturn" ] }, { "id": "stock-return", "name": "Stock Return Calculator", "url": "/calculators/stock-return.html", "description": "Calculate total return and CAGR from stock investments", "category": "Investing", "params": { "buy": { "name": "Buy Price/Share", "type": "number", "unit": "USD", "default": 50 }, "sell": { "name": "Sell Price/Share", "type": "number", "unit": "USD", "default": 80 }, "sh": { "name": "Shares", "type": "number", "default": 100 }, "div": { "name": "Dividends Received", "type": "number", "unit": "USD", "default": 200 }, "t": { "name": "Holding Period", "type": "number", "unit": "years", "default": 5 } }, "outputs": [ "totalReturn", "cagr", "profit", "priceGain" ] }, { "id": "home-affordability", "name": "Home Affordability Calculator", "url": "/calculators/home-affordability.html", "description": "Find out how much home you can afford", "category": "Mortgage & Loans", "params": { "inc": { "name": "Annual Income", "type": "number", "unit": "USD", "default": 100000 }, "debt": { "name": "Monthly Debts", "type": "number", "unit": "USD", "default": 500 }, "down": { "name": "Down Payment", "type": "number", "unit": "USD", "default": 60000 }, "r": { "name": "Interest Rate", "type": "number", "unit": "percent", "default": 6.5 }, "t": { "name": "Loan Term", "type": "number", "unit": "years", "default": 30 } }, "outputs": [ "maxPrice", "maxLoan", "monthlyPayment", "dti" ] }, { "id": "amortization", "name": "Amortization Calculator", "url": "/calculators/amortization.html", "description": "View complete loan amortization schedule", "category": "Mortgage & Loans", "params": { "amt": { "name": "Loan Amount", "type": "number", "unit": "USD", "default": 300000 }, "r": { "name": "Annual Rate", "type": "number", "unit": "percent", "default": 6.5 }, "t": { "name": "Term", "type": "number", "unit": "years", "default": 30 } }, "outputs": [ "monthlyPayment", "totalPayment", "totalInterest" ] }, { "id": "budget", "name": "Monthly Budget Planner", "url": "/calculators/budget.html", "description": "Plan monthly budget and track income vs expenses", "category": "Budgeting & Net Worth", "params": {}, "outputs": [ "totalIncome", "totalExpenses", "remainingBalance" ] }, { "id": "net-worth", "name": "Net Worth Calculator", "url": "/calculators/net-worth.html", "description": "Calculate net worth from assets and liabilities", "category": "Budgeting & Net Worth", "params": {}, "outputs": [ "totalAssets", "totalLiabilities", "netWorth" ] }, { "id": "debt-to-income", "name": "Debt-to-Income Calculator", "url": "/calculators/debt-to-income.html", "description": "Calculate DTI ratio and see how lenders view your finances", "category": "Budgeting & Net Worth", "params": { "inc": { "name": "Monthly Income", "type": "number", "unit": "USD", "default": 6000 } }, "outputs": [ "dtiRatio", "rating" ] }, { "id": "break-even", "name": "Break-Even Calculator", "url": "/calculators/break-even.html", "description": "Find how many units to sell to cover costs", "category": "Business & Tax", "params": { "fc": { "name": "Fixed Costs", "type": "number", "unit": "USD", "default": 10000 }, "vc": { "name": "Variable Cost/Unit", "type": "number", "unit": "USD", "default": 25 }, "price": { "name": "Price/Unit", "type": "number", "unit": "USD", "default": 50 } }, "outputs": [ "breakEvenUnits", "breakEvenRevenue", "contributionMargin", "marginRatio" ] }, { "id": "tax-bracket", "name": "Tax Bracket Calculator", "url": "/calculators/tax-bracket.html", "description": "Calculate US federal income tax and effective rate", "category": "Business & Tax", "params": { "inc": { "name": "Annual Income", "type": "number", "unit": "USD", "default": 85000 }, "filing": { "name": "Filing Status", "type": "string", "default": "single", "options": [ "single", "married_joint", "married_sep", "head" ] } }, "outputs": [ "federalTax", "effectiveRate", "marginalRate", "taxableIncome", "afterTaxIncome" ] }, { "id": "emergency-fund", "name": "Emergency Fund Calculator", "url": "/calculators/emergency-fund.html", "description": "Calculate how much you need in emergency savings", "category": "Savings & Planning", "params": { "exp": { "name": "Monthly Expenses", "type": "number", "unit": "USD", "default": 4000 }, "mo": { "name": "Months of Coverage", "type": "number", "default": 6 }, "cur": { "name": "Current Fund", "type": "number", "unit": "USD", "default": 5000 } }, "outputs": [ "targetFund", "shortfall", "funded" ] }, { "id": "college-savings", "name": "College Savings Calculator", "url": "/calculators/college-savings.html", "description": "Plan how much to save for college education", "category": "Savings & Planning", "params": { "cage": { "name": "Child's Age", "type": "number", "default": 5 }, "sage": { "name": "College Start Age", "type": "number", "default": 18 }, "sav": { "name": "Current Savings", "type": "number", "unit": "USD", "default": 10000 }, "mo": { "name": "Monthly Contribution", "type": "number", "unit": "USD", "default": 300 }, "r": { "name": "Return Rate", "type": "number", "unit": "percent", "default": 6 }, "cost": { "name": "Annual College Cost", "type": "number", "unit": "USD", "default": 30000 }, "inf": { "name": "Cost Inflation", "type": "number", "unit": "percent", "default": 5 } }, "outputs": [ "projectedSavings", "projectedCost", "fundingGap" ] }, { "id": "inflation", "name": "Inflation Calculator", "url": "/calculators/inflation.html", "description": "Calculate purchasing power of money over time", "category": "Currency & Inflation", "params": { "amt": { "name": "Amount", "type": "number", "unit": "USD", "default": 1000 }, "from": { "name": "Start Year", "type": "number", "default": 2020 }, "to": { "name": "End Year", "type": "number", "default": 2030 }, "r": { "name": "Annual Inflation Rate", "type": "number", "unit": "percent", "default": 3 } }, "outputs": [ "adjustedValue", "purchasingPowerLost", "totalInflation" ] }, { "id": "currency", "name": "Currency Converter", "url": "/calculators/currency.html", "description": "Convert between major world currencies", "category": "Currency & Inflation", "params": { "amt": { "name": "Amount", "type": "number", "default": 1000 }, "from": { "name": "From Currency", "type": "string", "default": "USD" }, "to": { "name": "To Currency", "type": "string", "default": "EUR" } }, "outputs": [ "convertedAmount", "exchangeRate" ] }, { "id": "salary-calculator", "name": "Salary Calculator (US)", "url": "/calculators/salary-calculator.html", "description": "Convert between hourly, daily, weekly, monthly, and annual salary. Calculate take-home pay after taxes.", "category": "Salary & Income", "params": { "type": { "name": "Input Type", "type": "string", "default": "hourly", "options": [ "hourly", "daily", "weekly", "monthly", "annual" ] }, "amt": { "name": "Amount", "type": "number", "unit": "USD", "default": 25 }, "hpd": { "name": "Hours per Day", "type": "number", "default": 8 }, "dpw": { "name": "Days per Week", "type": "number", "default": 5 }, "dpm": { "name": "Days per Month", "type": "number", "default": 22 }, "tax": { "name": "Tax Rate", "type": "number", "unit": "percent", "default": 22 } }, "outputs": [ "hourly", "daily", "weekly", "monthly", "annual", "netAnnual", "taxAmount" ] }, { "id": "salary-calculator-uk", "name": "Salary Calculator (UK)", "url": "/calculators/salary-calculator-uk.html", "description": "Convert between hourly, daily, weekly, monthly, and annual salary in GBP. Calculate take-home pay after UK tax.", "category": "Salary & Income", "params": { "type": { "name": "Input Type", "type": "string", "default": "hourly", "options": [ "hourly", "daily", "weekly", "monthly", "annual" ] }, "amt": { "name": "Amount", "type": "number", "unit": "GBP", "default": 15 }, "hpd": { "name": "Hours per Day", "type": "number", "default": 7.5 }, "dpw": { "name": "Days per Week", "type": "number", "default": 5 }, "dpm": { "name": "Days per Month", "type": "number", "default": 21.67 }, "tax": { "name": "Tax Rate", "type": "number", "unit": "percent", "default": 25 } }, "outputs": [ "hourly", "daily", "weekly", "monthly", "annual", "netAnnual", "taxAmount" ] }, { "id": "refinance", "name": "Mortgage Refinance Calculator", "url": "/calculators/refinance.html", "description": "Compare your current mortgage to a new rate and term — see break-even month and lifetime savings", "category": "Mortgage & Home", "params": { "cb": { "name": "Current Balance", "type": "number", "unit": "USD", "default": 280000 }, "cr": { "name": "Current Rate", "type": "number", "unit": "percent", "default": 7 }, "cy": { "name": "Years Remaining on Current Loan", "type": "number", "unit": "years", "default": 27 }, "nr": { "name": "New Rate", "type": "number", "unit": "percent", "default": 6 }, "nt": { "name": "New Term", "type": "number", "unit": "years", "default": 30, "options": [ 10, 15, 20, 30 ] }, "cc": { "name": "Closing Costs", "type": "number", "unit": "USD", "default": 6000 } }, "outputs": [ "currentPayment", "newPayment", "monthlySavings", "breakEvenMonths", "lifetimeSavings" ] }, { "id": "heloc", "name": "HELOC Calculator", "url": "/calculators/heloc.html", "description": "Estimate available HELOC line size, draw-period interest-only payments, and repayment-period amortizing payments", "category": "Mortgage & Home", "params": { "hv": { "name": "Home Value", "type": "number", "unit": "USD", "default": 500000 }, "mb": { "name": "Outstanding Mortgage Balance", "type": "number", "unit": "USD", "default": 200000 }, "ltv": { "name": "Maximum Combined LTV", "type": "number", "unit": "percent", "default": 85 }, "rate": { "name": "HELOC Interest Rate", "type": "number", "unit": "percent", "default": 9 }, "amt": { "name": "Line Amount Drawn", "type": "number", "unit": "USD", "default": 50000 }, "dp": { "name": "Draw Period", "type": "number", "unit": "years", "default": 10 }, "rp": { "name": "Repayment Period", "type": "number", "unit": "years", "default": 20 } }, "outputs": [ "maxLine", "drawPayment", "repayPayment", "totalInterest" ] }, { "id": "rent-vs-buy", "name": "Rent vs Buy Calculator", "url": "/calculators/rent-vs-buy.html", "description": "Compare net wealth from renting+investing the difference vs buying, over a chosen horizon", "category": "Mortgage & Home", "params": { "yrs": { "name": "Time Horizon", "type": "number", "unit": "years", "default": 7 }, "hp": { "name": "Home Price", "type": "number", "unit": "USD", "default": 450000 }, "dp": { "name": "Down Payment %", "type": "number", "unit": "percent", "default": 20 }, "rate": { "name": "Mortgage Rate", "type": "number", "unit": "percent", "default": 6.5 }, "appr": { "name": "Annual Home Appreciation", "type": "number", "unit": "percent", "default": 3.5 }, "rent": { "name": "Monthly Rent", "type": "number", "unit": "USD", "default": 2400 }, "rinc": { "name": "Annual Rent Growth", "type": "number", "unit": "percent", "default": 3.5 }, "ret": { "name": "Investment Return on Saved Cash", "type": "number", "unit": "percent", "default": 7 } }, "outputs": [ "buyNetWealth", "rentNetWealth", "winner", "breakEvenYear" ] }, { "id": "auto-loan", "name": "Auto Loan Calculator", "url": "/calculators/auto-loan.html", "description": "Calculate monthly auto loan payment, total interest, and amount financed including taxes, fees, trade-in and rebates", "category": "Loans & Credit", "params": { "price": { "name": "Vehicle Price", "type": "number", "unit": "USD", "default": 35000 }, "dp": { "name": "Cash Down Payment", "type": "number", "unit": "USD", "default": 5000 }, "trade": { "name": "Trade-In Value", "type": "number", "unit": "USD", "default": 0 }, "rate": { "name": "APR", "type": "number", "unit": "percent", "default": 7.5 }, "term": { "name": "Loan Term", "type": "number", "unit": "months", "default": 60, "options": [ 24, 36, 48, 60, 72, 84 ] }, "tax": { "name": "Sales Tax Rate", "type": "number", "unit": "percent", "default": 6 }, "rebate": { "name": "Rebate / Cash Incentive", "type": "number", "unit": "USD", "default": 0 }, "fees": { "name": "Documentation & Other Fees", "type": "number", "unit": "USD", "default": 500 } }, "outputs": [ "monthlyPayment", "amountFinanced", "totalInterest", "totalCost" ] }, { "id": "cd", "name": "CD Calculator", "url": "/calculators/cd.html", "description": "Project the maturity value and APY-based interest of a Certificate of Deposit", "category": "Interest & Growth", "params": { "amt": { "name": "Initial Deposit", "type": "number", "unit": "USD", "default": 10000 }, "rate": { "name": "APY", "type": "number", "unit": "percent", "default": 4.5 }, "term": { "name": "Term", "type": "number", "unit": "months", "default": 12, "options": [ 3, 6, 9, 12, 18, 24, 36, 48, 60 ] }, "comp": { "name": "Compounding Frequency", "type": "number", "unit": "times/year", "default": 365, "options": [ 1, 4, 12, 365 ] } }, "outputs": [ "maturityValue", "interestEarned", "effectiveRate" ] }, { "id": "401k", "name": "401(k) Calculator", "url": "/calculators/401k.html", "description": "Project 401(k) balance at retirement with employee contributions, employer match, salary raises, and compound growth", "category": "Retirement", "params": { "age": { "name": "Current Age", "type": "number", "unit": "years", "default": 32 }, "ret": { "name": "Retirement Age", "type": "number", "unit": "years", "default": 65 }, "sal": { "name": "Annual Salary", "type": "number", "unit": "USD", "default": 80000 }, "bal": { "name": "Current 401(k) Balance", "type": "number", "unit": "USD", "default": 25000 }, "ctb": { "name": "Your Contribution", "type": "number", "unit": "percent of salary", "default": 10 }, "match": { "name": "Employer Match", "type": "number", "unit": "percent of contribution", "default": 50 }, "cap": { "name": "Match Cap", "type": "number", "unit": "percent of salary", "default": 6 }, "raise": { "name": "Annual Salary Raise", "type": "number", "unit": "percent", "default": 3 }, "rate": { "name": "Annual Return", "type": "number", "unit": "percent", "default": 7 } }, "outputs": [ "finalBalance", "yourContributions", "employerMatch", "investmentGrowth" ] }, { "id": "roth-ira", "name": "Roth IRA Calculator", "url": "/calculators/roth-ira.html", "description": "Project tax-free Roth IRA balance at retirement and compare to a taxable account at the same return", "category": "Retirement", "params": { "age": { "name": "Current Age", "type": "number", "unit": "years", "default": 30 }, "ret": { "name": "Retirement Age", "type": "number", "unit": "years", "default": 65 }, "bal": { "name": "Current Roth Balance", "type": "number", "unit": "USD", "default": 0 }, "ann": { "name": "Annual Contribution", "type": "number", "unit": "USD", "default": 7000 }, "rate": { "name": "Annual Return", "type": "number", "unit": "percent", "default": 7 }, "bracket": { "name": "Marginal Tax Bracket", "type": "number", "unit": "percent", "default": 22 } }, "outputs": [ "rothBalance", "totalContributions", "taxFreeGrowth", "taxableEquivalent" ] }, { "id": "paycheck", "name": "Paycheck Calculator (US)", "url": "/calculators/paycheck.html", "description": "Estimate post-tax take-home pay per paycheck after federal income tax, FICA, state tax, 401(k), HSA, and health premium", "category": "Salary & Paycheck", "params": { "gross": { "name": "Gross Pay per Period", "type": "number", "unit": "USD", "default": 6500 }, "freq": { "name": "Pay Periods per Year", "type": "number", "default": 26, "options": [ 12, 24, 26, 52 ] }, "status": { "name": "Filing Status", "type": "string", "default": "single", "options": [ "single", "married", "hoh" ] }, "state": { "name": "State Tax Rate", "type": "number", "unit": "percent", "default": 5 }, "k401": { "name": "Traditional 401(k) Contribution", "type": "number", "unit": "percent of gross", "default": 6 }, "hsa": { "name": "HSA Contribution per Period", "type": "number", "unit": "USD", "default": 0 }, "hlth": { "name": "Health Premium per Period", "type": "number", "unit": "USD", "default": 150 } }, "outputs": [ "netPay", "federalTax", "fica", "stateTax", "preTaxDeductions", "effectiveRate" ] }, { "id": "debt-payoff", "name": "Debt Payoff Calculator", "url": "/calculators/debt-payoff.html", "description": "Compare debt avalanche vs snowball payoff plans across multiple debts, with payoff date, interest saved, and a month-by-month plan.", "category": "borrow", "params": {}, "outputs": [ "payofftime", "totalinterest", "beststrategy", "interestsaved" ] }, { "id": "student-loan", "name": "Student Loan Calculator", "url": "/calculators/student-loan.html", "description": "Estimate student loan payments, payoff date, total interest, and refinance savings for federal or private loans.", "category": "borrow", "params": {}, "outputs": [ "monthlypayment", "totalinterest", "payoffdate", "refisavings" ] }, { "id": "mortgage-points", "name": "Mortgage Points Calculator", "url": "/calculators/mortgage-points.html", "description": "Calculate mortgage discount point break-even, monthly payment reduction, APR-equivalent savings, and lifetime interest impact.", "category": "home", "params": {}, "outputs": [ "breakeven", "monthlysavings", "lifetimesavings", "netvalue" ] }, { "id": "mortgage-payoff", "name": "Mortgage Payoff Calculator", "url": "/calculators/mortgage-payoff.html", "description": "See how extra monthly, yearly, or one-time mortgage payments reduce payoff time and total interest.", "category": "home", "params": {}, "outputs": [ "newpayoff", "timesaved", "interestsaved", "totalinterest" ] }, { "id": "auto-lease", "name": "Auto Lease vs Buy Calculator", "url": "/calculators/auto-lease.html", "description": "Compare leasing vs buying a car using depreciation, money factor, residual value, fees, taxes, and resale value.", "category": "borrow", "params": {}, "outputs": [ "leasecost", "buycost", "winner", "costgap" ] }, { "id": "car-affordability", "name": "Car Affordability Calculator", "url": "/calculators/car-affordability.html", "description": "Estimate the maximum car price you can afford from income, debt, down payment, trade-in, insurance, taxes, and loan terms.", "category": "borrow", "params": {}, "outputs": [ "maxcarprice", "loanpayment", "allinmonthly", "dTIimpact" ] }, { "id": "rmd", "name": "RMD Calculator", "url": "/calculators/rmd.html", "description": "Estimate required minimum distributions from retirement accounts using IRS Uniform Lifetime Table divisors.", "category": "plan", "params": {}, "outputs": [ "requiredRMD", "monthlysetaside", "remainingbalance", "effectiverate" ] }, { "id": "social-security", "name": "Social Security Calculator", "url": "/calculators/social-security.html", "description": "Compare claiming Social Security at 62, full retirement age, or 70 with cumulative benefits and break-even ages.", "category": "plan", "params": {}, "outputs": [ "age62benefit", "fRAbenefit", "age70benefit", "breakeven" ] }, { "id": "roth-conversion", "name": "Roth Conversion Calculator", "url": "/calculators/roth-conversion.html", "description": "Estimate Roth conversion tax cost, future tax-free value, break-even year, and bracket-fill strategy.", "category": "plan", "params": {}, "outputs": [ "taxduenow", "rothfuturevalue", "breakeven", "netadvantage" ] }, { "id": "capital-gains-tax", "name": "Capital Gains Tax Calculator", "url": "/calculators/capital-gains-tax.html", "description": "Estimate US short-term and long-term capital gains tax, NIIT exposure, and after-tax proceeds.", "category": "plan", "params": {}, "outputs": [ "federaltax", "nIIT", "aftertaxgain", "effectiverate" ] }, { "id": "self-employment-tax", "name": "Self-Employment Tax Calculator", "url": "/calculators/self-employment-tax.html", "description": "Estimate 1099 self-employment tax, income tax, QBI deduction, quarterly payments, and W-2 equivalent pay.", "category": "plan", "params": {}, "outputs": [ "sEtax", "incometax", "quarterlypayment", "w2equivalent" ] }, { "id": "balance-transfer", "name": "Balance Transfer Calculator", "url": "/calculators/balance-transfer.html", "description": "Compare a 0% balance transfer offer against your current card APR, including transfer fee and promo expiration.", "category": "borrow", "params": {}, "outputs": [ "promopayoff", "interestsaved", "feecost", "requiredpayment" ] } ] }