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.
22 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.
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
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.
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
CD Ladder Calculator
Plan staggered maturities with individual APYs.