Free Finance Calculators for Your Website

Free mortgage calculator. Estimate your monthly payment with principal, interest, taxes, insurance, and PMI, plus a full amortization schedule.

Find out how much house you can afford. Enter your income, debts, and down payment to see your target home price and monthly payment, using the 28/36 rule.

Should you rent or buy? Compare the true cost of buying a home against renting and investing the difference, with a year-by-year net-worth break-even.

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 savings.

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.

Free HELOC and home equity loan calculator. See how much you can borrow from your home value, mortgage balance, and CLTV limit, plus the monthly payment.

Find how much rent you can afford from your income and debts using the 30% rule, the landlord 3× income rule, and a take-home-pay budget.

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.

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.

Calculate a monthly car lease payment from MSRP, negotiated price, residual value, money factor or APR, down payment, fees, and sales tax.

Compare the true cost of leasing a car with buying it on a loan over the same period, counting the equity you’d have in a car you own.

See whether refinancing your car loan saves money: new monthly payment, interest saved, total savings after fees, and how fast the fees pay for themselves.

Estimate your “no tax on car loan interest” deduction: up to $10,000 a year on a new U.S.-assembled car, with the income phase-out and the tax you save.

Calculate the compound annual growth rate (CAGR) of an investment from its beginning value, ending value, and the number of years.

Calculate return on investment (ROI). Enter what you invested and what it is worth to see your net profit, ROI percentage, and annualized return.

Free compound interest calculator. See how savings and investments grow with an initial amount, regular contributions, interest rate, and compounding frequency.

Free inflation calculator. See what a dollar amount from one year is worth in another using U.S. CPI data, plus the total and average annual inflation.

Free net worth calculator. Add up your assets and subtract your debts to see your total net worth, the clearest single measure of financial health.

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.

See what your investments could grow to from a starting amount, monthly contributions, and an expected return — in future and today’s dollars, with step-ups.

Project dividend income and portfolio growth with or without reinvesting (DRIP), from your investment, monthly contributions, dividend yield, and growth rate.

Find out at what age you’ll reach $1 million (or any goal) from your savings, monthly investing, and expected return — and what it takes to get there sooner.

Project your 401(k) balance at retirement with your contribution rate, employer match, salary growth, and the 2026 IRS contribution limits and catch-ups.

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.

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.

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.

Free FIRE calculator. Find your financial-independence number (the 25× rule) and how many years until you can retire early, from your savings and return.

Estimate your Social Security benefit from your earnings and claiming age using the 2027 formula. An educational estimate — get your official number at ssa.gov.

Find out how long your retirement savings will last with monthly withdrawals that rise with inflation — and the most you can withdraw to make it last 30 years.

Compare claiming Social Security at 62, full retirement age, or 70: your monthly benefit at each age, the break-even age, and lifetime benefits.

See how much your employer adds to your 401(k), the contribution needed to get the full match, and how much free money you’re leaving on the table.

Estimate the federal tax on converting a traditional IRA or 401(k) to a Roth in 2026, the room left in your bracket, and whether converting comes out ahead.

See what your Roth IRA could grow to tax-free, and how much you can contribute in 2026: $7,500, or $8,600 at 50+, reduced by the income phase-out.

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.

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.

Find your emergency fund target and how long to reach it. Enter your monthly essential expenses, months of coverage, and current savings.

Estimate how much your savings will grow in a high-yield savings or money market account from your deposits and APY — and compare it with a lower-rate account.

Split your take-home pay into needs, wants, and savings with the 50/30/20 rule — or your own split — and compare it with what you actually spend.

Free paycheck calculator: estimate 2026 take-home pay after federal and state income tax, Social Security, and Medicare, for hourly pay or salary in any state.

Free salary calculator. Convert hourly pay to yearly gross income (and back) at every pay period, and see your estimated take-home paycheck by state.

Free overtime calculator. Work out time-and-a-half or double-time pay from your hourly rate and overtime hours, plus your total weekly and annual earnings.

Estimate your 2026 self-employment tax on freelance or business income: Social Security and Medicare on 92.35% of net earnings, plus the deductible half.

See how much of your bonus you’ll take home after 22% federal withholding, Social Security, Medicare, and state tax, and whether you’ll owe at tax time.

Calculate your new salary or hourly wage after a raise, the percentage increase, how much more you’ll take home after taxes, and your raise after inflation.

Free 2026 federal income tax calculator. Estimate your income tax, effective and marginal tax rate, and see how much you owe in each tax bracket.

Free 2026 capital gains tax calculator. Estimate the federal tax on a stock or property sale, compare short-term vs long-term rates, and include the 3.8% NIIT.

Free sales tax calculator. Enter a purchase amount and your state to see the sales tax and total, using 2026 average combined state and local rates.

Free 1099 estimated tax calculator. Estimate your 2026 self-employment and federal income tax and what to pay the IRS each quarter.

See how much of the new $6,000 senior deduction you get in 2026, how the income phase-out and taxable Social Security affect it, and the tax it saves.

See how much you can put in an HSA ($4,400 or $8,750 in 2026; $4,500 or $9,000 in 2027) and how much federal, FICA, and state tax it saves you.

Free 2026 W-4 calculator. See how much federal tax is withheld from each paycheck, whether you’ll owe or get a refund, and what to put on W-4 Steps 3 and 4.

Estimate your 2026 “no tax on tips” and “no tax on overtime” deductions, plus the $6,000 senior deduction — with income phase-outs and the federal tax you save.

Estimate your 2026 federal tax refund (filed in 2027) from wages, withholding, child tax credit, EITC, and the new tips, overtime, and senior deductions.

Find your 2026 federal tax bracket and see exactly how much of your income is taxed at each rate, plus your effective tax rate and room before the next bracket.

Estimate your 2026 earned income tax credit by income, filing status, and number of children — up to $8,231 — and where you fall on the phase-out.

Estimate your 2026 child tax credit — $2,200 per child, up to $1,700 refundable — plus the $500 credit for other dependents, with the income phase-out.

Compare the debt snowball and avalanche methods across all your debts. See which clears your balances faster and which saves the most interest.

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.

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.

Estimate the monthly payment, total interest, and total cost of a personal loan from the loan amount, interest rate (APR), and term.

Free student loan calculator. Estimate your monthly payment, total interest, and payoff date — and see how much extra payments save you in interest and time.

Calculate the monthly payment on any fixed-rate loan, your payoff date, total interest, and a full amortization schedule — plus how much extra payments save.

Compare paying off your credit cards and other debts as you are with one consolidation loan — monthly payment, total interest, origination fee, and payoff time.

See how much a 0% intro APR balance transfer saves after the transfer fee, what you’ll still owe when the promo ends, and the payment that clears it in time.

See how long paying only the minimum on a credit card takes and how much interest it costs — and how much a fixed payment or a 3-year payoff would save.

Calculate profit margin and markup from cost and price, or find the selling price for a target margin or markup — with a margin-to-markup conversion table.

Four quick percentage calculators: what is X% of Y, X is what percent of Y, percent change between two numbers, and percent off a price.

Calculate the tip and total for any bill at 15%, 18%, 20% or a custom percentage, tip on the pre-tax amount, and split the check — with optional rounding.