// myloanmath

Which Calculator Do I Need?

Describe your actual situation below — not every problem has an obvious tool name attached to it.

Borrowing money

"I want to know my monthly payment on a personal loan or a fixed amount I'm borrowing."

Enter the amount, rate, and term to get your monthly payment, total interest, and a full amortization breakdown.

"I'm financing a car and want to know what I'll actually pay, including my trade-in and sales tax."

Built specifically for vehicle financing — accounts for trade-in value and sales tax on top of the base loan math.

"I'm buying a home and want my full monthly payment, not just principal and interest."

Includes property tax, homeowners insurance, HOA dues, and PMI where applicable — the real total monthly cost of owning, not just the loan payment.

Paying down debt

"I have a credit card balance and want to know how long it'll actually take to pay off."

Tells you exactly how many months a given payment takes to clear the balance, and shows what a typical minimum payment really costs you by comparison.

Everyday money math

"Something's on sale and I want to know the real final price, especially if there are two discounts stacked."

Handles a single discount or two stacked discounts correctly — stacked discounts don't simply add together, and this calculator shows you the real combined rate.

"I need a general percentage calculation — what's X% of Y, or what percent did something change by."

Four common percentage calculations in one tool: percent of a number, what percent one number is of another, percent change, and applying a percent increase or decrease.

Growing and saving money

"I want to see how my savings or investment will grow over time."

Shows future value with compound interest, including optional regular monthly contributions, so you can see the full growth curve for your own numbers.

"I have a specific savings target and want to know exactly how much to save each month to hit it."

Works backward from your goal — enter the target, your timeline, and your current savings, and it tells you the exact monthly contribution needed, interest included.

Income, paychecks, and tax

"I want to know my real take-home pay per paycheck, not just my annual salary."

Subtracts federal tax, state tax, and FICA from your salary and breaks it down by weekly, biweekly, semi-monthly, or monthly pay — the number that actually lands in your account.

"I want to estimate what I owe in US federal income tax."

Covers federal tax for all filing statuses, plus optional state tax for all 51 US jurisdictions and FICA, using current IRS figures.

"I want to estimate what I owe in Canadian federal income tax."

Covers CRA federal tax plus optional provincial tax for 12 of 13 provinces and territories, and optional CPP/EI, using current CRA figures.

Numbers and words

"I need to write a number out in full words for a legal document, contract, or form."

Converts any number into plain English words, supporting US, UK, and Indian (Lakh/Crore) numbering systems, decimals, and negative numbers.

"I have a written-out amount and need to know the actual digit value."

The reverse conversion — turns spelled-out numbers back into digits, useful for verifying a written amount matches a numeric total.

"I need a currency amount spelled out in full for a contract or formal document, cents included."

Spells out the subunit in full ("and Fifty Cents") rather than as a fraction — the right format for contracts and legal writing.