By Meraj Uddin Provat · Last reviewed May 23, 2026 · Editorial Standards
All free · no signup
All 40+ Calculators
Every CalcCottage tool in one place — home buying, mortgages, owning & investing, and home energy. 2026 data, instant results, mobile-friendly.
Home Buying & Affordability
Credit Card Minimum Payment Calculator →The real cost of paying only the minimum.Home Sale Net Proceeds Calculator →Cash you walk away with after selling.Student Loan Payoff Calculator →Payoff date, interest, and what extra saves.Emergency Fund Calculator →Size your safety net and see when you will reach it.50/30/20 Budget Calculator →Needs/wants/savings split vs the 50/30/20 target.Debt Payoff Calculator →Months to zero, total interest, and the effect of extra payments.Mortgage Payment Calculator →Full monthly PITI + PMI, total interest, payoff date.Home Affordability Calculator →How much house you can afford — 3 DTI scenarios.Closing Cost Calculator by State →Buyer fees, transfer tax, title — all 50 states.Down Payment Savings Calculator →How long to save your down payment, with growth.Debt-to-Income (DTI) Calculator →Front + back-end DTI vs FHA/VA/conventional limits.Rent vs Buy Calculator →Break-even year, total cost, appreciation modeled.FHA vs Conventional Calculator →Payment, MIP/PMI, lifetime cost compared.VA Loan Calculator →Funding fee, $0 down, no PMI — full payment.
Mortgage & Refinance
Mortgage Recast Calculator →Lump sum, same rate and term, lower payment.Amortization Schedule Calculator →Month-by-month principal vs interest + extra payments.Mortgage Payoff (Extra Principal) →Cut years & interest with extra monthly principal.Biweekly Mortgage Calculator →Monthly vs biweekly — interest saved, years sooner.15-Year vs 30-Year Mortgage →Payment vs lifetime-interest trade-off.Refinance Break-Even Calculator →Months to recoup refi closing costs.PMI Removal Calculator →When PMI drops off — 78%/80%/appreciation routes.HELOC vs Cash-Out Refinance →Compare payments, rates, fees, total cost.
Owning & Investing
CD & Savings Calculator →What a CD or high-yield savings grows to.Savings Goal Calculator →When you hit a goal and the monthly to get there.Roth vs Traditional Calculator →After-tax comparison decided by your tax rates.Net Worth Calculator →Assets minus liabilities, with asset mix & debt ratio.Retirement Calculator →Project your nest egg and the income it can pay.Compound Interest Calculator →Future value of savings plus monthly deposits over time.Property Tax Calculator by State →Annual + monthly tax with local effective rates.Home Renovation ROI Calculator →Project cost vs resale value & payback %.Cap Rate & Cash-on-Cash Calculator →Rental returns: cap rate, CoC, DSCR, verdict.
Home Energy
Solar Payback Calculator by State →Cost after credits, savings, payback window.Solar Panel Sizing Calculator →How many panels & kW you need from your bill.EV vs Gas Total Cost Calculator →Fuel, charging, maintenance, incentives, resale.Heat Pump vs Gas Furnace →Lifetime cost vs gas with rebates & state rates.Insulation ROI Calculator →Energy savings, 25C credit, climate-zone payback.
Auto & Transportation
Car Affordability Calculator →How much car your income actually supports.Auto Refinance Calculator →Real savings from refinancing a car loan, with break-even.Lease vs Buy a Car Calculator →True net cost of leasing vs buying over the same period.Auto Loan Calculator →Real car payment with tax, fees, trade-in & negative equity.EV vs Gas Total Cost →Fuel, charging, maintenance, incentives, resale.