Tools
Free calculators
Each calculator starts from a published Rateboard figure. Change the inputs to see a payment, take-home pay, or a trip cost. Nothing is behind a signup.
Borrowing
- Mortgage paymentPrincipal, interest, taxes, insurance, HOA, and PMI from the latest 30-year average.
- Home affordabilityBack into a purchase price from take-home pay, debts, and a 28/36 rule.
- Auto loanPayment, interest, and total cost by credit tier using Q2 2026 APRs.
- Refinance break-evenMonths to recoup closing costs against the latest 30-year rate.
- Stay or refinanceHonest verdict if you locked near 3% versus the latest 30-year average.
- Card payoffMonths to clear a balance at 22.15% average APR — or your own.
Pay
Saving
Everyday
- Trip fuel costMiles, MPG, and the latest EIA / AAA pump prices by region.
- Moving truck gas costGallons, fill-ups, and fuel cost for U-Haul, Penske, and Budget trucks at the latest pump prices.
- Inflation / buying powerWhat a dollar from an earlier year buys in 2026.
- Currency converterLive mid-market rates via Frankfurter, refreshed on this page.
- Percentage & tipPercent of, percent change, and a restaurant tip split.