Free financial calculators

Every tool here runs entirely in your browser - no sign-up, no data sent anywhere, nothing tracked. Each one pairs the math with a plain-English explanation of how it works, and links to the guides that go deeper.

Home & loans

• Mortgage calculator - full PITI payment with taxes, insurance, HOA and PMI, amortization schedule, payoff date, and extra-payment savings
• Auto & personal loan calculator - monthly payment, total interest, and total cost for any fixed loan
• Loan payoff & refinance calculator - extra payments vs refinancing, compared honestly net of closing costs

Debt & credit

• Debt payoff calculator: snowball vs avalanche - both methods on your real balances
• Credit card payoff calculator - months to debt-free by payment or by target date

Saving & budgeting

• Emergency fund calculator - how many months of expenses your situation calls for
• Savings goal calculator - the monthly amount that reaches your goal by your date
• 50/30/20 budget calculator - targets from your income, compared against your actual spending
• Net worth calculator - assets minus liabilities, with the breakdown

Investing & retirement

• Compound interest calculator - watch contributions and growth trade places
• Retirement calculator - project your nest egg with a growth chart
• 401(k) calculator with employer match - including the match money left on the table
• Roth vs Traditional calculator - the tax-now-or-later question with your numbers

Work & taxes

• Paycheck calculator - estimated take-home pay from salary or hourly
• Salary ↔ hourly converter - any pay figure translated to every frequency, with overtime, PTO, and per-paycheck options

All tools are general educational estimates, not financial advice. See our disclaimer.