Free Finance Calculators
Accurate, transparent tools for the money decisions that matter — mortgages, loans, auto financing, investing, and retirement. Every calculator shows the formulas and sources behind the result, so you can trust the number.
Mortgage & Home
Free mortgage and home-financing calculators — estimate monthly payments, amortization, and how much house you can afford, with the formulas shown.
Mortgage Calculator
Free mortgage calculator. Estimate your monthly payment with principal, interest, taxes, insurance, and PMI, plus a full amortization schedule.
Mortgage Payoff Calculator
See how extra monthly payments shorten your mortgage and cut total interest. Enter your loan and an extra amount to find your new payoff date and interest saved.
Refinance Calculator
See if refinancing your mortgage is worth it. Compare your current payment to a new loan, find the break-even month on closing costs, and total interest saved.
Auto
Free auto-financing calculators — estimate your monthly car payment, total interest, and payoff from price, down payment, trade-in, tax, and APR.
Auto Loan Calculator
Free auto loan calculator. Estimate your monthly car payment from price, down payment, trade-in, sales tax, APR, and term, with total interest and payoff.
Car Affordability Calculator
Find out how much car you can afford. Enter your monthly budget, down payment, trade-in, tax, APR, and term to see the maximum vehicle price.
Investing
Free investing calculators — project how savings and contributions grow over time with compound interest, and measure returns with CAGR and ROI.
CAGR Calculator
Calculate the compound annual growth rate (CAGR) of an investment from its beginning value, ending value, and the number of years.
ROI Calculator
Calculate return on investment (ROI). Enter what you invested and what it is worth to see your net profit, ROI percentage, and annualized return.
Compound Interest Calculator
Free compound interest calculator. See how savings and investments grow with an initial amount, regular contributions, interest rate, and compounding frequency.
Rule of 72 Calculator
Use the Rule of 72 to estimate how long an investment takes to double, or the return needed to double in a set number of years.
Retirement
Free retirement calculators — project your 401(k), compare Roth vs. Traditional IRA, size your nest egg, figure your RMD, and estimate Social Security, with the 2026 IRS and SSA numbers shown.
401(k) Calculator
Project your 401(k) balance at retirement with your contribution rate, employer match, salary growth, and the 2026 IRS contribution limits and catch-ups.
Roth vs. Traditional IRA Calculator
Compare a Roth and Traditional IRA side by side. See which leaves more after taxes based on your tax rate now versus in retirement, with the 2026 limits.
RMD Calculator
Calculate your required minimum distribution (RMD) from an IRA or 401(k) using the IRS Uniform Lifetime Table, updated for the SECURE 2.0 age-73 rule.
Retirement Nest Egg Calculator
Find how much you need to retire. Enter your income, replacement rate, and a safe withdrawal rate to size your nest egg and the monthly savings to reach it.
Social Security Estimator
Estimate your Social Security benefit from your earnings and claiming age using the 2026 formula. An educational estimate — get your official number at ssa.gov.
Savings
Free savings calculators — work out how much to set aside to hit a goal by a date, and what a CD or savings deposit grows to at a given APY.
Savings Goal Calculator
Find out how much to save each month to reach a goal by your target date, given a starting balance and interest rate. Includes a year-by-year projection.
CD Calculator
Calculate what a certificate of deposit (CD) is worth at maturity. Enter your deposit, APY, and term to see total interest earned and the final balance.
Emergency Fund Calculator
Find your emergency fund target and how long to reach it. Enter your monthly essential expenses, months of coverage, and current savings.
Paycheck & Salary
Free paycheck and salary calculators — convert hourly pay to an annual salary, estimate self-employment tax, and see what your work is worth across every pay period.
Paycheck Calculator
Free paycheck calculator. Estimate your 2026 take-home pay after federal income tax, Social Security, and Medicare — from an hourly wage or salary, at any pay frequency.
Salary Calculator
Free salary calculator. Convert pay between hourly, daily, weekly, biweekly, monthly, and annual — and see what an hourly wage works out to as a yearly salary.
Overtime Calculator
Free overtime calculator. Work out your time-and-a-half (or double-time) pay from your hourly rate and overtime hours, plus your total weekly and annual earnings.
Self-Employment Tax Calculator
Estimate your 2026 self-employment tax on freelance or business income — Social Security and Medicare (SECA) on 92.35% of net earnings, with the deductible half.
Loans & Debt
Free debt-payoff and loan calculators — compare the snowball and avalanche methods, see how long a credit card takes to clear, and price out a personal loan.
Debt Payoff Calculator
Compare the debt snowball and avalanche methods across all your debts. See which clears your balances faster and which saves the most interest.
Credit Card Payoff Calculator
See how long it takes to pay off a credit card and the total interest you’ll pay, based on your balance, APR, and monthly payment.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio from your monthly debt payments and gross income — the number lenders use to approve a mortgage or loan.
Personal Loan Calculator
Estimate the monthly payment, total interest, and total cost of a personal loan from the loan amount, interest rate (APR), and term.