Free U.S. financial calculators
Make more informed money decisions with free calculators, practical guides and data on mortgages, homeownership, budgeting and consumer loans.
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All calculatorsMortgage Calculator
Estimate monthly PITI and view amortization.
Home Affordability Calculator
Estimate a home-price range from income, debt and housing assumptions.
Mortgage Refinance Calculator
Compare payment savings, costs and break-even timing.
HELOC Calculator
Estimate home-equity line payments and borrowing scenarios.
Closing Cost Calculator
Estimate buyer closing-cost categories.
Personal Loan Calculator
Estimate payment, interest and APR scenarios.
More mortgage, loan and money tools
- Mortgage Calculator
- Home Affordability Calculator
- Mortgage Refinance Calculator
- Rent vs. Buy Calculator
- Rental Property Calculator
- FHA, VA & USDA Calculator
- HELOC Calculator
- FHA Mortgage Calculator
- VA Loan Calculator
- ARM Mortgage Calculator
- Interest-Only Mortgage Calculator
- Mortgage Amortization Calculator
- Down Payment Calculator
- Mortgage Points Calculator
- Debt-to-Income Ratio Calculator
- Closing Cost Calculator
- Auto Loan Calculator
- Student Loan Calculator
- Credit Card Payoff Calculator
- Personal Loan Calculator
- Debt Payoff Calculator
- Loan Comparison Calculator
- Retirement Calculator
- FIRE Retirement Calculator
- Compound Interest Calculator
- Dividend Reinvestment Calculator
- 2026 Federal Income Tax Calculator
- Crypto Tax Estimator
- Options Profit Calculator
- Budget Calculator
- California Mortgage Calculator
- Texas Mortgage Calculator
- Florida Mortgage Calculator
Frequently asked questions
What calculators are available on USFinNexus?
USFinNexus includes mortgage payment, home affordability, refinance, amortization, DTI, closing-cost, loan, debt, retirement and tax-planning calculators. Each tool has its own assumptions and limitations.
Do I need an account to use the calculators?
No account is required for the core USFinNexus calculators. The website may use advertising and ordinary technical services as described in the Privacy Policy.
What is the 2026 conforming loan limit?
For a one-unit property, the 2026 FHFA baseline conforming loan limit is $832,750 in most U.S. counties. The one-unit high-cost ceiling can reach $1,249,125 depending on location.
Is 43% DTI the current CFPB Qualified Mortgage maximum?
No. The CFPB removed the former fixed 43% DTI cap from the General Qualified Mortgage definition and replaced it with price-based thresholds. Loan programs and lenders can apply different underwriting requirements.
Are calculator results the same as a lender quote or approval?
No. Calculator results are estimates based on the inputs and assumptions shown. Actual rates, fees, taxes, insurance, loan eligibility and underwriting decisions can differ materially.
How current is the 2026 federal tax calculator?
The 2026 federal income-tax calculator uses the official 2026 IRS tax-rate structure and standard deductions, and the 2026 Social Security wage base for its simplified employee FICA estimate. It is educational and does not replace tax-preparation software or professional advice.