Free Financial Calculators
Quick, private calculators for the money questions that come up most: buying a home, paying off debt, saving, investing and budgeting. Every result updates as you type, works on your phone and never leaves your browser.
Mortgage Calculator with PMI, Taxes and Insurance
Monthly payment with PMI, taxes, insurance and an amortization table.
Loan Payment Calculator
Monthly payment and total interest for a fixed-rate loan.
Auto Loan Calculator with Trade-In, Sales Tax and Fees
Car payment with trade-in, sales tax, fees and term comparison.
Rent vs Buy Calculator
Compare net worth after renting vs buying a home.
Debt
Credit Card Payoff Calculator
Months to pay off a card, interest cost, or payment needed.
Debt Snowball vs Avalanche Calculator
Compare payoff time and interest for both debt strategies.
Saving & investing
Compound Interest Calculator with Monthly Contributions
Growth of savings with monthly deposits and any compounding frequency.
401(k) and Retirement Savings Calculator
Retirement balance with employer match, raises and inflation.
FIRE Calculator
FIRE number, years to financial independence and Coast FIRE.
Savings Goal Calculator
How much to save each month to hit a goal on time.
ROI Calculator
Total and annualized return on any investment.
Budget & income
Emergency Fund Calculator
Your emergency fund target and how long it takes to build.
50/30/20 Budget Calculator
Split take-home pay into needs, wants and savings.
Inflation Calculator
Future cost of today's prices and lost purchasing power.
Salary to Hourly Calculator
Convert annual salary and hourly wage, plus every pay period.
Quick answers
Hourly wage to yearly salary · Salary to hourly rate · Mortgage payment by loan amount · Loan payment by amount
How to use these calculators
Each calculator starts with realistic example numbers so you can see how it works. Replace them with your own and the results update instantly. Below every tool there is a plain-English explanation of the formula, the assumptions behind it and answers to common questions, so you know exactly what the number means and where its limits are.
The calculators avoid tax brackets, contribution limits and other figures that change every year. Where those matter, the page tells you what to check and where to find the current number.
Results are estimates for planning and learning. For decisions with big consequences, such as choosing a mortgage, check the numbers against official loan disclosures or with a qualified professional.