FedRateCalc tools
Numbers for your next decision.
Compare a repayment plan, total your work week, or estimate materials for a project. Start with a question and check the assumptions behind the answer.
54 calculators
Money & borrowing
APY Calculator
Estimate annual percentage yield and interest from a stated nominal rate and compounding frequency.
Money & borrowing
Credit Card Payoff Calculator
Estimate payoff time and interest for a fixed monthly credit-card payment.
Money & borrowing
Loan Payoff Calculator
Estimate payoff time, total interest, and a payment schedule for a fixed-rate loan balance.
Money & borrowing
Balance Transfer Calculator
Compare paying a balance at its current APR with a promotional balance transfer using the same payment.
Money & borrowing
Debt Avalanche Calculator
Plan a fixed monthly debt budget by paying required minimums and directing the rest to the highest APR.
Money & borrowing
Refinance Break-Even Calculator
Estimate payment change, fee break-even, and a selected-horizon comparison for a refinance.
Money & borrowing
Retirement Withdrawal Calculator
Project an inflation-adjusted monthly withdrawal from a starting retirement balance over a finite horizon.
Money & borrowing
Credit Card Minimum Payment Calculator
Estimate a declining credit-card balance when the minimum is a percentage of balance, with or without that month’s interest added.
Money & borrowing
CD Early Withdrawal Penalty Calculator
Estimate a certificate-of-deposit early-withdrawal penalty from an entered nominal annual interest rate and penalty period.
Pay & work hours
Overtime Pay Calculator
Estimate gross regular and overtime pay from an hourly rate, separate hours, and a chosen premium multiplier.
Pay & work hours
Time and a Half Calculator
Split one block of hours at a threshold and estimate gross pay using a time-and-a-half style multiplier.
Pay & work hours
Holiday Pay Calculator
Estimate US holiday premium pay for hours worked on a holiday, the extra over straight time, optional paid-holiday pay, and the week’s total hours.
Pay & work hours
Work Hours Calculator
Calculate paid work hours between two times, subtracting an unpaid break and handling an explicitly marked overnight shift.
Pay & work hours
Weekly Time Card Calculator
Add up seven optional daily shifts by exact minutes and estimate a weekly gross-pay split above a chosen threshold.
Pay & work hours
Salary to Hourly Calculator
Convert an annual salary to an hourly rate, or an hourly rate to annual gross pay, using your paid weeks and hours per week.
Garden & building materials
Gravel Calculator
Estimate rectangular gravel volume, an editable tonnage estimate, and delivered material cost.
Garden & building materials
Mulch Calculator
Estimate mulch for a bed in bulk cubic yards or rounded-up bags, with comparable costs.
Garden & building materials
Pea Gravel Pathway Calculator
Estimate pea gravel for a pathway from its travel length, width, installed depth, and supplier density.
Garden & building materials
Concrete Volume Calculator
Estimate slab or round-column concrete volume and rounded-up bags from an editable bag yield.
Garden & building materials
Concrete Slab Cost Calculator
Estimate rectangular slab material, delivery, and entered labor costs using an editable bag yield.
Money & borrowing
Mortgage Calculator
Estimate principal, interest, tax, and insurance.
Money & borrowing
Mortgage Recast Calculator
Compare payments after a lump-sum principal reduction.
Money & borrowing
Mortgage Rate Change Savings
Compare two fixed-rate loan scenarios.
Money & borrowing
Student Loan Calculator
Estimate fixed monthly student loan payments.
Money & borrowing
CD Rate Calculator
Calculate CD maturity value from APY.
Money & borrowing
IRMAA Calculator
See your Medicare Part B and Part D premium by income bracket.
Money & borrowing
Stock Market Holidays
Is the stock market open today? NYSE, bond market and bank holidays.
Money & borrowing
401(k) and IRA Contribution Limits
Your maximum by age and the per-paycheck amount to max out a 401(k).
Money & borrowing
CD Ladder Calculator
Plan staggered maturities with individual APYs.
Money & borrowing
I Bond Rate
The current I bond composite rate, fixed rate and rate history.
Money & borrowing
I Bond Calculator
Find what an I bond is worth today and its interest by month.
Money & borrowing
Savings Bond Calculator
Value EE and I savings bonds by issue date.
Pay & work hours
No Tax on Overtime Calculator
Estimate the federal overtime deduction and tax saved, 2025–2028.
Pay & work hours
No Tax on Tips Calculator
Estimate the federal qualified tips deduction and tax saved, 2025–2028.
Money & borrowing
Car Loan Interest Deduction Calculator
Estimate the federal car loan interest deduction and tax saved, 2025–2028.
Money & borrowing
Car Refinance Calculator
Compare your new car payment, total interest and break-even month when you refinance.
Money & borrowing
2027 Tax Brackets
Federal income tax brackets and standard deduction for 2027 and 2026, with a tax calculator.
Money & borrowing
Student Loan Wage Garnishment Calculator
Estimate the federal student loan wage garnishment (AWG) per paycheck and the Social Security offset.
Money & borrowing
HELOC Calculator
HELOC payments in the draw and repayment periods at prime plus your margin, and if the prime rate moves.
Money & borrowing
Estimated Tax Due Dates
Quarterly federal estimated tax due dates for 2026 and 2027, the safe harbor rules and how to pay.
Money & borrowing
High-Yield Savings Calculator
Savings growth at your APY with monthly deposits, compared with the FDIC national savings rate.
Money & borrowing
Prime Rate Today
The current bank prime loan rate from the Federal Reserve H.15 release, its history since 2000, and prime plus your margin.
Money & borrowing
Conforming Loan Limits
FHFA conforming loan limits by county for 1-4 units, the jumbo threshold and the 2027 release status.
Money & borrowing
IRS Mileage Rate
IRS standard mileage rates for 2026 and 2025, the 2027 status, GSA and VA rates, and a mileage reimbursement calculator.
Money & borrowing
Solo 401(k) Calculator
Maximum solo 401(k) contribution for the self-employed: employee deferral plus employer contribution, using the IRS Publication 560 worksheet.
Money & borrowing
Underpayment Penalty Calculator
Estimate the IRS estimated tax underpayment penalty (Form 2210 regular method) with the quarterly IRS interest rates.
Money & borrowing
Treasury Auction Schedule
The U.S. Treasury tentative auction schedule for bills, notes, bonds, TIPS and FRNs, with how to buy at auction.
Money & borrowing
Bonus Tax Calculator
Federal withholding and FICA on a 2026 bonus with the 22% and 37% supplemental rates, the net bonus and a gross-up.
Money & borrowing
Federal Poverty Level Calculator
Your household income as a percent of the 2026 or 2025 HHS poverty guidelines, with the FPL chart and program cutoffs.
Money & borrowing
IRS Payment Plan Calculator
Estimate interest, the failure-to-pay penalty and setup fees on an IRS payment plan, and how long it takes to pay off.
Money & borrowing
SALT Deduction Calculator
The 2025-2029 SALT cap, its phase-down and itemizing vs the standard deduction.
Money & borrowing
Repayment Assistance Plan (RAP) Calculator
Estimate the RAP student loan payment, interest benefit and principal match.
Money & borrowing
Federal Student Loan Limits
Annual and lifetime Direct Loan and Parent PLUS limits for 2026-27.
Money & borrowing
SAI Calculator
Estimate the FAFSA Student Aid Index and Pell Grant eligibility.