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Free financial calculators · US · CA · AU

Financial calculators,
made for the way you live.

Precise mortgage, retirement, and net worth calculators built on the real rules of the United States, Canada, and Australia — fast, accurate, and honest about what every number means.

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  • Runs in your browser
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  • US, Canada & Australia
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Mortgage Calculator

Estimate your monthly mortgage payment, interest, and loan cost.

Calculate Mortgage
Retirement Calculator

Estimate how much you may need to save for retirement.

Plan Retirement
Net Worth Calculator

Calculate your total assets, liabilities, and net worth.

Calculate Net Worth
Calculator library

Pick a tool. See the real math.

Every calculator applies the country-specific rules you expect — Canadian compounding, stamp duty, local taxes — and shows its assumptions so you can trust the answer.

Mortgage CalculatorUS · CA · AU

Monthly payments, amortization, CMHC, stamp duty, taxes, extra payments, charts and export.

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Retirement CalculatorFuture value

Project your nest egg, inflation-adjusted value, income estimate, goal progress and readiness.

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Net Worth CalculatorBalance sheet

Assets minus liabilities, allocation, debt breakdown, health score, and financial insights.

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CalcVantage Financial Tools

Mortgage Calculator

Calculate your estimated monthly mortgage payment, principal and interest breakdown, and payoff timelines for properties in the US, Canada, and Australia.

Mortgage Parameters

Configure loan, country tax, and extra payment details.

🇺🇸 US Rules

Select country rules for currency, compounding, and local taxes.

Calculations always use the country's native rules; results are displayed in this currency.

$

Property purchase price

$

Amount paid upfront

%

Percentage of price

Calculated Loan Principal$336,000
Principal
%

Annual interest rate

Duration of the mortgage

Scheduled repayment interval

First payment date

Country-Specific Taxes & Costs

%

Estimated property tax rate

$

Annual homeowners insurance

$

Monthly homeowners association dues (US)

Extra Payment Simulator

$

Added to every payment

$

Lump sum payment

$

Paid once per year

Calculation Summary

Standard monthly compounding (US)

Live
Total Monthly PaymentFull PITI
$2,838

Principal, Interest, Taxes & Fees

Monthly Payment BreakdownMonthly
Principal & Interest
$2,178
Property Tax
$385
Home Insurance
$125
HOA Fees
$150
Total Monthly Payment$2,838
One-Time Upfront CostsOne-Time Fee

These are paid upfront at closing and NOT added to monthly payments.

No mandatory one-time fees for US standard down payment.
Total Principal
$336,000

Original loan amount

Total Interest Paid
$444,120

Over loan term

Total Loan Cost
$780,120

Principal + Interest

Payoff Date
Aug 2056

Based on start date

Loan Balance & Interest Trajectory

Remaining balance decline over loan term

Remaining Balance
Cumulative Interest
$400k$200k$0Yr 0Yr 15Yr 30

Amortization Schedule

Payment-by-payment breakdown over loan term

Payment #DatePayment (USD)Principal (USD)Interest (USD)Extra (USD)Remaining Balance (USD)
Generating schedule...