Available Personal Finance Calculators

Below is the current list of financial decision tools available on InvestingLab. Each calculator is designed for scenario testing and educational planning—not financial advice.

• Net Worth Calculator
  A free net worth calculator that totals assets and liabilities to estimate your personal or household net worth. Use it as a simple balance-sheet tool to understand where you stand financially today.
• Mortgage Calculator
  An online mortgage calculator designed to estimate home loan payments, total interest, and payoff timing using a standard amortization-based model. Tool helps simulate mortgage scenarios by adjusting home price, down payment, interest rate, loan term, property taxes, insurance, HOA fees, and PMI.
• Budget Planner Calculator
  A practical budget calculator and one of our core budgeting tools. Use it to organize monthly income and expenses, compare planned versus actual spending, and understand how different categories affect your overall budget.
• Debt vs Invest Calculator
  This financial planning calculator compares two common choices: paying down debt faster or investing extra cash. It helps illustrate opportunity costs and long-term outcomes under simplified assumptions.
• Rent vs Buy Calculator
  An online finance calculator designed to compare renting versus buying a home. It models housing costs, equity growth, and potential break-even points to support housing-related financial decisions.
• Retirement Planner Calculator
  One of our core retirement planning tools, this retirement calculator helps estimate retirement savings growth, future income needs, and potential gaps based on contributions, time horizon, and assumptions.

How to Use These Financial Planning Calculators

Each of our financial planning calculators is designed to be simple and transparent. You enter your own numbers, adjust assumptions, and review how outcomes change. This approach helps highlight trade-offs and sensitivity rather than predict results.

These personal finance tools are best used for:

• Testing “what-if” scenarios
• Comparing alternative financial decisions
• Understanding long-term trade-offs
• Improving financial literacy and planning awareness

For details on assumptions and limitations, see How Our Calculators Work.

How to Choose the Right Personal Finance Tool

If you are new to personal finance tools, start by choosing a calculator that matches the decision you are trying to make. Some personal finance calculators are best for day-to-day planning, while others help you evaluate longer-term trade-offs. InvestingLab focuses on clear, educational online finance calculators that are easy to adjust and compare.

For monthly clarity, begin with our budget calculator. As one of the most practical budgeting tools, it helps you total income, track expenses by category, and understand how small changes can affect your monthly surplus or deficit. Once your baseline budget is clear, it becomes easier to explore bigger “what-if” decisions using other tools.

For long-term planning, a retirement calculator is a strong next step. Retirement is a multi-decade decision, and even small assumption changes can materially affect outcomes. Our retirement planning tools are built for scenario testing so you can explore how contributions, retirement age, return assumptions, and spending targets influence projected results.

If you are deciding between two competing paths—such as paying down debt faster versus investing more—use financial decision tools that compare outcomes side-by-side. These financial planning calculators are designed to highlight trade-offs and opportunity costs in a transparent way so you can see how different inputs change the results.

For additional background on personal finance concepts and long-term planning, educational resources from the U.S. Securities and Exchange Commission (Investor.gov) provide helpful explanations of investing basics, risk, and financial decision-making.

Want to understand assumptions and limitations? Read: How Our Calculators Work.

Educational Use Only

InvestingLab.com does not provide financial, investment, tax, or legal advice. All personal finance tools and calculators on this page are educational simulations based on user-provided inputs and simplified assumptions. Use them wisely and for your own good.

Please review our Disclaimer before using these financial tools and calculators.