Financial calculators
Free, no account needed, your numbers never leave your browser.
18 calculators
Compound Interest
See how your money grows exponentially over time with the power of compounding.
Mortgage Calculator
Calculate monthly payments, total interest, and the true cost of your home loan.
Amortization Calculator
See your monthly payment and how it splits between interest and principal over time.
Budget Calculator
Build a realistic budget using the 50/30/20 rule to track income and expenses.
Retirement Planner
Plan your nest egg, see how much you need to save each month to retire comfortably.
Debt Payoff
Compare avalanche vs. snowball methods and find the fastest path to debt freedom.
Savings Goal
Calculate the monthly savings needed to hit any financial target on your timeline.
Net Worth Calculator
Add your assets and liabilities to instantly see your true net worth.
Auto Loan Calculator
Estimate your monthly car payment and the total interest you'll pay.
Investment Fees
See how a small annual fee or expense ratio quietly eats your returns over decades.
Dollar-Cost Averaging
See what investing the same amount every month actually grows into over time.
Dividend Reinvestment
Compare reinvesting your dividends into more shares against taking the cash.
Inflation Calculator
See how inflation erodes the purchasing power of your money over time.
Millionaire Calculator
Find out exactly when you'll reach your first million at your current savings rate.
Emergency Fund Calculator
Find your ideal safety-net size and how long it'll take to build it.
Salary Calculator
Convert hourly pay to annual salary and see your gross pay per week, paycheck, and month.
FIRE Calculator
Find your financial independence number and how many years until you could retire early.
Tax Estimator
Estimate your federal income tax and see your marginal vs. effective rate.
Free financial calculators, explained
What these calculators do
Every personal finance calculator here runs entirely in your browser. Nothing you type is uploaded, no account is required, and there is no paid tier hiding the useful parts. Enter your own numbers and you get the same math a financial planning calculator behind a signup wall would run, without handing over an email address first.
Each one also explains its own math. The methodology section on every page lists the formula in plain words and the assumptions the result rests on, because a number you do not understand is not much use for making a decision.
Which calculator answers which question
If you want to know what your money turns into over time, start with the compound interest calculator, which doubles as a general investment growth and future value calculator. For a target amount and a deadline, the savings goal calculator works out the monthly deposit. For retirement, the retirement calculator handles the saving and drawdown side, and the FIRE calculator answers the earlier question of when work becomes optional.
On the debt side, the debt payoff calculator compares the snowball and avalanche strategies against your real balances, and the amortization calculator breaks any fixed-rate loan into its interest and principal parts month by month. That same amortization math is what a mortgage, auto loan, or student loan payment calculator is doing underneath.
Why the numbers are estimates
The arithmetic is exact. The inputs are not. Any calculator that projects forward has to assume a steady rate of return or inflation, and real markets and real prices move year to year in ways no calculator predicts. Treat every projection here as a well-informed estimate for comparing options, rather than a promise about a specific future number.