Money math,
without the spreadsheet.
Free calculators for the financial decisions you actually face — mortgages, loans, retirement, taxes, investments, and more. All client-side. Your numbers never leave your browser.
2 tools ready to use.
Free, browser-based, no signup. The rest of the category ships in 2026.
73+ calculators on the way.
Every major financial calculation covered — from simple interest to full amortization schedules. Honest math, no upsell to a financial advisor.
Paycheck CalculatorSoon
Calculate net pay after federal and state withholding for any pay period — weekly, bi-weekly, semi-monthly, or monthly.
Net Worth CalculatorSoon
Add up your assets and liabilities to calculate your total net worth and track it over time.
Emergency Fund CalculatorSoon
Calculate how much you need in an emergency fund based on 3–6 months of essential expenses.
Break-Even CalculatorSoon
Calculate the units sold or revenue needed to cover all fixed and variable costs.
Inflation-Adjusted Return CalculatorSoon
Calculate the real (inflation-adjusted) return on any investment after accounting for inflation rate.
Loan CalculatorSoon
Payment, payoff date, and total interest for personal, auto, or business loans.
Auto Loan CalculatorSoon
Monthly car payment and total cost based on vehicle price, down payment, and loan term.
Interest CalculatorSoon
Simple or compound interest on savings and investments with flexible compounding periods.
Payment CalculatorSoon
Determine the fixed periodic payment on any loan or financing arrangement.
Retirement CalculatorSoon
Project how much you need to retire comfortably, accounting for inflation and returns.
Amortization CalculatorSoon
Full amortization schedule showing principal and interest split for every payment.
Investment CalculatorSoon
Project the future value of your investments with regular contributions and compound returns.
Currency CalculatorSoon
Convert between 150+ currencies with live exchange rates.
Inflation CalculatorSoon
Calculate the purchasing power of money over time using historical CPI data.
Finance CalculatorSoon
All-purpose calculator covering TVM, NPV, IRR, and common financial formulas.
Mortgage Payoff CalculatorSoon
See how extra payments accelerate your mortgage payoff date and reduce total interest.
Income Tax CalculatorSoon
Estimate federal and state income tax liability based on income, filing status, and deductions.
Salary CalculatorSoon
Convert between hourly, weekly, monthly, and annual salary figures, including take-home pay.
401K CalculatorSoon
Project your 401(k) balance at retirement including employer match and catch-up contributions.
Interest Rate CalculatorSoon
Back-calculate the implied interest rate from known payment, term, and principal values.
Sales Tax CalculatorSoon
Calculate sales tax for any US state or custom rate — add or remove tax from any price.
House Affordability CalculatorSoon
Find out how much house you can afford based on income, debts, and down payment.
Savings CalculatorSoon
Project how your savings grow with regular deposits and compound interest.
Rent CalculatorSoon
Determine how much rent you can afford based on your income and the 30% rule.
Marriage Tax CalculatorSoon
Calculate the tax impact of getting married — marriage penalty or bonus explained.
Estate Tax CalculatorSoon
Estimate federal and state estate tax on an inherited estate with exemption modeling.
Pension CalculatorSoon
Estimate your defined benefit pension payout and compare lump sum vs. annuity options.
Social Security CalculatorSoon
Estimate your Social Security benefit at different claiming ages including spousal benefits.
Annuity CalculatorSoon
Calculate the present or future value of any annuity payment stream.
Annuity Payout CalculatorSoon
Calculate how long your retirement savings will last with regular monthly withdrawals.
Credit Card CalculatorSoon
See the true cost of carrying a credit card balance and how long it takes to pay off.
Credit Cards Payoff CalculatorSoon
Avalanche vs. snowball payoff strategies for multiple credit cards side by side.
Debt Payoff CalculatorSoon
Create a personalized debt payoff plan with a debt-free date and interest savings.
Debt Consolidation CalculatorSoon
See if consolidating your debts saves money compared to paying each separately.
Repayment CalculatorSoon
Full repayment schedule for any loan with extra payment and lump sum scenarios.
Student Loan CalculatorSoon
Model student loan repayment under standard, graduated, and income-driven plans.
College Cost CalculatorSoon
Estimate the 4-year cost of college and calculate monthly 529 contributions needed.
Simple Interest CalculatorSoon
Quickly compute simple interest on any principal — ideal for short-term loans.
CD CalculatorSoon
Calculate the return on a certificate of deposit at maturity and model CD laddering.
Bond CalculatorSoon
Calculate bond price, yield to maturity, coupon payments, and duration.
Mutual Fund CalculatorSoon
Project mutual fund growth including expense ratio drag on long-term returns.
Roth IRA CalculatorSoon
Project your Roth IRA tax-free balance at retirement and compare to a traditional IRA.
IRA CalculatorSoon
Calculate traditional IRA tax-deferred growth and required minimum distribution planning.
RMD CalculatorSoon
Determine your required minimum distribution from IRAs and 401(k)s using IRS tables.
VAT CalculatorSoon
Add or remove VAT from any price for any country's rate — full EU rate library included.
Cash Back or Low Interest CalculatorSoon
Compare dealer cash back vs. low-interest financing to find which offer saves more.
Auto Lease CalculatorSoon
Calculate monthly car lease payments and compare leasing vs. buying total costs.
Depreciation CalculatorSoon
Compute asset depreciation using straight-line, MACRS, or double-declining methods.
Average Return CalculatorSoon
Calculate the arithmetic or geometric (CAGR) average annual return on any investment.
Margin CalculatorSoon
Calculate gross profit margin, markup percentage, and selling price from cost.
Discount CalculatorSoon
Calculate sale price, discount amount, and savings percentage instantly.
Business Loan CalculatorSoon
Monthly payments and total cost of business loans including SBA loan support.
Debt-to-Income Ratio CalculatorSoon
Compute front-end and back-end DTI ratio to understand mortgage and loan eligibility.
Real Estate CalculatorSoon
Analyze cap rate, cash-on-cash return, NOI, and gross rent multiplier for investment properties.
Take-Home-Paycheck CalculatorSoon
Calculate your net take-home pay after federal, state, FICA, and pre-tax deductions.
Personal Loan CalculatorSoon
Monthly payments and true APR cost of personal loans — compare multiple lender offers.
Boat Loan CalculatorSoon
Estimate monthly payments and total interest for financing a boat purchase.
Lease CalculatorSoon
Monthly lease payments for equipment, vehicles, or real estate with residual value modeling.
Refinance CalculatorSoon
See monthly savings, break-even period, and lifetime savings from refinancing your mortgage.
Budget CalculatorSoon
Build a monthly budget, spot overspending, and track your savings rate against 50/30/20 guidelines.
Rental Property CalculatorSoon
Cash flow, cap rate, and ROI analysis for any rental property investment.
IRR CalculatorSoon
Calculate the internal rate of return on any series of cash flows or investment.
ROI CalculatorSoon
Calculate return on investment for any cost and gain — simple and annualized ROI.
APR CalculatorSoon
Calculate the true annual percentage rate of a loan including fees and closing costs.
FHA Loan CalculatorSoon
Monthly payments and MIP for FHA loans with low down payment scenarios.
VA Mortgage CalculatorSoon
Monthly payments for VA loans including the VA funding fee and zero down payment.
Home Equity Loan CalculatorSoon
Monthly payments and interest cost of a home equity loan based on your available equity.
HELOC CalculatorSoon
Calculate draw period payments and repayment phase costs for a home equity line of credit.
Down Payment CalculatorSoon
Calculate required down payment for any home price and loan-to-value ratio.
Rent vs. Buy CalculatorSoon
Compare the true 5/10/20-year cost of renting vs. buying a home.
Payback Period CalculatorSoon
Calculate the payback period for any investment or capital project.
Present Value CalculatorSoon
Discount future cash flows to present value at any discount rate.
Future Value CalculatorSoon
Project the future value of any lump sum or payment stream.
Commission CalculatorSoon
Calculate sales commission based on rate, tiers, or quota structures.
Mortgage Calculator UKSoon
UK mortgage calculator with stamp duty, SDLT, and British rate conventions.
Canadian Mortgage CalculatorSoon
Canadian mortgage calculator with CMHC insurance and stress test rate support.
Mortgage Amortization CalculatorSoon
Detailed month-by-month amortization table for any mortgage with extra payment modeling.
What calculator do you need?
If you've been jury-rigging a spreadsheet for a recurring financial decision, we want to know. The most-requested calculators ship first.
Suggest a toolHelp us improve
Found a bug, have an idea, or want a new tool? Let us know — every message is read.
While you wait, check out what's live.
60+ free tools for social media — all working, all free, no signup.
Browse social media tools