Finance Calculators

Free tools for mortgages, loans, savings, investments, taxes, and everyday money math. 21 calculators, all instant, no signup.

Personal finance is full of math that nobody should have to do on paper. Whether you’re figuring out if you can afford a house, how long it will take to pay off a credit card, or whether your retirement savings are on track, the numbers matter more than the opinions. These calculators give you the numbers.

Every tool on this page works without an account, without tracking inputs, and without trying to sell you a product afterward. Use them, close the tab, make your decision.

Mortgages, loans, and debt

Work out exactly what a loan will cost you, how long payoff really takes, and what extra payments save you over time. If you’re weighing two offers or planning a refinance, run the numbers both ways before you sign.

Mortgage Calculator — monthly payment, total interest, full amortization
Amortization Calculator — payment-by-payment schedule for any fixed loan
Loan Calculator — general-purpose loan math with adjustable terms
Auto Loan Calculator — car finance including tax, fees, and trade-in
Credit Card Payoff Calculator — payoff timelines and interest saved with extra payments
Debt Payoff Calculator — snowball vs avalanche strategies compared

Savings and investing

Compounding is the single most powerful force in personal finance and the one most people underestimate. These calculators show you exactly what your money does over time, so you can choose contribution levels and time horizons based on real numbers.

Compound Interest Calculator — watch money grow year over year
Retirement Calculator — project savings to retirement age with realistic returns
Investment ROI Calculator — return on investment with gain, loss, and annualized rate
Net Worth Calculator — assets minus liabilities, the one number that matters most
Savings Goal Calculator — how much to save monthly to hit a target
Simple Interest Calculator — quick math for short-term loans and bonds

Income, taxes, and inflation

Real purchasing power is what matters, not nominal dollars. These tools help you compare job offers, estimate taxes, and adjust for the silent drag of inflation on everything you plan to buy.

Salary to Hourly Calculator — convert annual pay to real hourly rate
Sales Tax Calculator — pre-tax, post-tax, and rate math for any purchase
Inflation Calculator — what past money is worth today, and vice versa
Tip Calculator — fast tip and split math for any bill
Discount Calculator — sale price, percent off, and savings on any item

Growth, risk, and currency

Business and investment decisions need comparable numbers across time, accounts, and currencies. These calculators give you the underlying math behind good calls.

CAGR Calculator — compound annual growth rate for any investment or business metric
Emergency Fund Calculator — how many months of expenses you should keep liquid
Debt-to-Income Ratio Calculator — the ratio lenders actually care about
Currency Converter — live rates across 150+ currencies