My Calculations

⚡ Updated June 2026 — U.S. lenders & market rates

Know exactly what your money decisions cost — before you commit.

Free, independently verified calculators for mortgages, retirement, tax and more. No account required to use any calculator.

10+

Free calculators

6.47%

Avg. 30-yr mortgage rate

2 min

To a real estimate

Home Buying

Mortgage

Estimate your full PITI monthly payment, including PMI.

Refinance

See your new payment and break-even point on closing costs.

Rent vs. Buy

Compare the true long-term cost of renting vs. buying.

Loans

Personal & Auto Loan

Estimate your monthly payment for an auto or personal loan.

Retirement

Retirement / 401(k)

Project your 401(k) balance at retirement.

RMD Calculator

Calculate your RMD using the IRS Uniform Lifetime Table. Includes SECURE 2.0 age-73 rule and 5-year projection.

Savings

Savings & CD

See how much your savings could grow.

Tax

Income Tax

Estimate your federal tax bracket and take-home pay.

Investing

Investment Growth

Project compound growth, nominal and inflation-adjusted.

Budgeting

Budgetly

Track income, expenses, and savings with a visual budget breakdown. 50/30/20 or 60/20/20 rule.

Finance Insights

What just changed with your money — explained, with the calculator to act on it.

All insights →

Rates & MortgagesTrending

30-year mortgage rates near 6.58%: what it means for your payment

Freddie Mac's survey puts the 30-year fixed near 6.58% and the 15-year near 5.96%. Here's how that spread reshapes your monthly payment and lifetime interest.

Updated 27 Jul 2026Read insight →

Tax & IRSTrending

IRS 2026 tax brackets and the $16,100 standard deduction

The 2026 standard deduction rises to $16,100 single / $32,200 joint, with brackets indexed for inflation. Here's how much income that shields before tax hits.

Updated 26 Jul 2026Read insight →

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For informational purposes only — not financial, tax, or legal advicePlease read

Moneylyn is an independent calculator platform — not a bank, licensed financial adviser, investment adviser, or tax professional in any jurisdiction. Every result is an estimate based on publicly available data and user-entered inputs. Actual loan terms, tax obligations, investment returns, and financial outcomes will vary. Before acting on any figure shown here, confirm current details with your bank, a qualified professional, or the relevant official source. Terms of Service · Privacy Policy