Savings and Debt Calculators
Most money plans come down to two moves: pay down expensive debt and build savings that earn interest. These calculators cover both, from a first budget to a debt payoff order to the accounts that grow your savings.
Interest rates on cards, loans and savings accounts are set by your lender or bank. Where a calculator starts from an example rate, replace it with your own. Results are estimates from the numbers you enter.
Published by Hen Machluf · Figures reviewed October 2026 · Editorial standards
Start here
Getting out of debt
- 1Debt Payoff: compare the avalanche and snowball orders and your debt-free date
- 2Debt Snowball: lay out the smallest-balance-first order month by month
- 3Balance Transfer: check whether a balance transfer saves interest after the fee
Building a safety net
- 150/30/20 Budget: split take-home pay into needs, wants and savings
- 2Emergency Fund: size an emergency fund for your expenses
- 3HYSA: see what the fund earns in a high-yield account
Saving for a goal
- 1Savings Goal: find the monthly amount that reaches a target
- 2CD Calculator: compare a CD for money you won't need for a while
- 3Compound Interest: see how the balance grows over time
Budget and cash flow
Know where the money goes before deciding where it should go.
Emergency fund and savings accounts
Where to keep money you may need, and what it earns there.
- Emergency FundHow big should my emergency fund be?
- HYSAHow much interest will a high-yield savings account earn?
- SavingsHow will my savings grow with regular deposits?
- CD CalculatorWhat will a CD be worth at maturity?
- APY vs APRHow do I convert between APY and APR?
- I BondWhat is my I bond worth?
- Simple InterestHow much simple interest does a balance earn or cost?
Paying off debt
High-rate debt usually costs more than savings earn, so it often comes first.
- Credit Card PayoffHow long will it take to pay off my credit card, and how much interest will I pay?
- Debt PayoffDoes the avalanche or the snowball method get me debt-free sooner?
- Debt SnowballHow does paying the smallest balance first play out month by month?
- Debt ConsolidationWould a consolidation loan cost less?
- Balance TransferDoes a balance transfer save money after the fee?
- Personal LoanWhat will a personal loan cost per month and in total?
- DTI RatioWhat is my debt-to-income ratio?
Student, car and other loans
Fixed-term loans where the rate and the repayment plan decide the total cost.
Growing your savings
Once debt is under control, tax-advantaged accounts and time do most of the work.
- Compound InterestHow much will my money grow with compound interest?
- Savings GoalHow much do I need to save each month to reach a goal?
- 401kWhat will my 401(k) be worth at retirement?
- Roth IRAWhat will my Roth IRA be worth?
- HSAHow much can an HSA save me in tax and grow?
- RetirementAm I saving enough for retirement?
Figures and sources
2026 contribution limits for the tax-advantaged accounts above, each linked to the IRS document that sets it.
| Rule or limit | Value |
|---|---|
| 401(k), 403(b) and 457(b) employee limit | $24,500 |
| 401(k) limit at age 50 or older | $32,500 |
| IRA limit (traditional and Roth combined) | $7,500 |
| IRA limit at age 50 or older | $8,600 |
| HSA limit, self-only coverage | $4,400 |
| HSA limit, family coverage | $8,750 |
Official sources
Rates and rules change, so confirm the current figures with the publisher before you rely on them:
Worked example: a $5,000 credit card balance
At a 22% APR, paying $200 a month clears a $5,000 balance in 34 months and costs $1,750 in interest. Paying $300 a month clears it in 21 months for $1,022 in interest, saving $728. The 22% is an example rate: use the APR on your statement.
Run your own numbers in the Credit Card Payoff →