Free Financial Calculators
Make money decisions with real numbers. Enter your loan amount, interest rate, savings and goals to instantly see your monthly payment, payoff date, future value and more. Every calculator is free, runs right in your browser, and takes less than a minute.
Loans & Debt
Your monthly home loan payment with principal, interest, taxes and insurance.
Monthly car payments and total interest for any price, rate and term.
Payment and total cost for personal loans with optional origination fees.
How long to clear your card balance and how much interest you'll save.
Convert a nominal rate and fees into the real annual percentage rate.
Quick payment estimates for any loan amount, rate and term.
Saving & Investing
See your money grow with the power of compounding — yearly breakdown included.
How much to save each month to hit your target by your deadline.
How much to save monthly for the retirement income you want.
Total return and annualized growth rate for any investment.
Your effective yearly return with any compounding frequency.
Money Basics
What a past amount is worth today, and what today's money buys tomorrow.
Add up your assets and debts to see your true financial position.
Which is cheaper over the years you plan to stay — renting or buying?
Everyday Money
Build a monthly budget by the 50/30/20 rule or your own percentages.
Convert hourly pay to yearly salary and vice versa — before and after tax.
Tip amount, total bill and each person's share when splitting.
Billable hours, rates, discounts and tax for freelancers.
Why Use These Calculators?
Every money decision — a mortgage, a car loan, a savings goal — comes down to numbers, and guessing is expensive. A single percentage point on a 30-year mortgage can cost tens of thousands of dollars; a year of extra credit card payments can cost hundreds in interest. Our calculators use the same formulas banks and financial planners use, so you can see exactly what a loan costs, what your savings become, and what it takes to reach your goals.
Each calculator explains the math in plain English, walks through a complete worked example, and answers the questions people ask most. Every result is instant, private and free — nothing you type ever leaves your browser.
How It Works
- Pick a calculator: Choose the decision you are facing — a mortgage, an auto loan, a savings goal, retirement planning or everyday money questions.
- Enter the numbers: Type in your loan amount, interest rate, monthly savings or goals. It takes under a minute and nothing is saved or sent anywhere.
- See the real cost: Each calculator shows your payment, total interest, payoff date or future value — and explains the math behind it in plain English.
Frequently Asked Questions
How accurate are these calculators?
They use the same formulas banks and financial planners use, including standard loan amortization and compound interest calculations. Your actual results depend on the exact terms, fees and rates a lender offers, so treat the numbers as planning estimates and confirm them with your bank before committing.
What is the difference between APR and APY?
APR (annual percentage rate) is the yearly cost of borrowing, including fees, and applies to loans. APY (annual percentage yield) is the yearly return you actually earn on savings, including compound interest. Comparing APR for borrowing and APY for saving lets you make apples-to-apples decisions.
Should I pay off debt or invest my money?
Compare the numbers: if your debt charges more interest than your investments can reasonably expect to return, paying down the debt usually wins. Use the credit card payoff and investment return calculators on this page to see both sides before deciding.
Are the results financial advice?
No. The calculators are educational tools that produce estimates for planning and budgeting. They are not personalized financial advice, and no result should replace a conversation with a qualified financial professional about your own situation.
Are the calculators free and private?
Yes. Every calculator is free, requires no account or sign-up, and runs entirely in your browser. Nothing you enter is stored, transmitted or shared.
Can I use these calculators on my phone?
Yes — every calculator works on phones, tablets and computers, so you can check a payment while shopping for a car, or run a savings scenario from the couch.