56 free tools
Free Financial Calculators
Free mortgage, loan, compound interest, ROI, and savings calculators built for US households. Current 2026 rates, no signup, instant results.
All calculators are free, run entirely in your browser, and use current 2026 US rates and limits. No signup, no ads covering the inputs, no email required.
Mortgage & Real Estate
Mortgage Payment
Calculate your monthly mortgage payment, total interest, and full amortization schedule. Free …
Open calculator →Mortgage & Real Estate
How Much House?
Find out exactly how much house you can afford based on your salary, monthly debts, and down …
Open calculator →Mortgage & Real Estate
Refinance Savings
Calculate your mortgage refinance break-even point, monthly savings, and total interest saved …
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Rent vs Buy
The real rent vs. buy comparison — including home appreciation, opportunity cost of down …
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Rental Property ROI
Analyze any rental property investment: cash-on-cash return, cap rate, cash flow, NOI, and …
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Property Tax
Calculate your annual and monthly property tax by state, county, or custom rate. Includes 2026 …
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Refi Break-Even
Find out exactly how many months until your mortgage refinance pays off. Calculate monthly …
Open calculator →Debt & Loans
Debt Payoff
Enter your debts and see exactly how fast you can pay them off using the snowball or avalanche …
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Credit Card Payoff
See exactly how long to pay off your credit card balance and how much interest you will pay. …
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Loan Payment
Calculate monthly payments, total interest, and full amortization for personal loans, auto …
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Auto Loan
Calculate your exact monthly car payment, total interest, and true cost including taxes and …
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Break-Even Analysis
Calculate your business break-even point in units and dollars. See fixed costs, variable costs, …
Open calculator →Investing & Retirement
Retirement / 401(k)
Calculate your projected retirement balance, monthly income, and whether you are on track. Uses …
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Compound Interest
See exactly how your savings and investments grow with compound interest. Live growth chart, …
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FIRE Number
Calculate your FIRE number, years to financial independence, and safe withdrawal rate. Supports …
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Investment ROI
Calculate return on investment, annualized CAGR, and net profit for stocks, real estate, 401(k), …
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Roth Conversion
Calculate whether a Roth IRA conversion makes sense for your situation. See the tax cost, …
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Fund Fee Cost
See exactly how much investment fees (expense ratios, AUM fees) cost you over 10, 20, and 30 …
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Net Worth
Calculate your exact net worth by adding all assets and subtracting all debts. Track where you …
Open calculator →Tax & Income
Take-Home Pay
Calculate your exact paycheck after federal income tax, state income tax, Social Security, and …
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HSA Savings
Calculate your HSA contribution, tax savings, and long-term investment growth as a stealth …
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Inflation & Purchasing Power
Calculate the purchasing power of any dollar amount over time. Use historical US CPI data from …
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Sales Tax
Calculate sales tax for all 50 US states. Add tax to a price, remove tax from a total, or find …
Open calculator →Benefits & Planning
Social Security
Estimate your Social Security benefits at 62, 67, and 70. Calculate the break-even age for …
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Savings Goal
Calculate exactly how long to reach any savings goal or how much to save monthly. Works for …
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Emergency Fund
Calculate your ideal emergency fund size based on your monthly expenses, job security, and …
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529 College Savings
Project your 529 plan balance at college enrollment, estimate how much to save monthly, and see …
Open calculator →Everyday
Currency Converter
Convert US dollars to euros, British pounds, Canadian dollars, Australian dollars, and 150+ …
Open calculator →Everyday
Tip & Bill Split
Calculate the right tip amount, split the bill evenly, and round to a clean total. Works for …
Open calculator →Everyday
Percentage
Calculate any percentage: what is X% of Y, X is what percent of Y, percent change, percent …
Open calculator →Everyday
Hours Worked / Time Card
Calculate total hours worked from clock-in and clock-out times. Add multiple shifts, lunch …
Open calculator →Everyday
BMI
Calculate your Body Mass Index (BMI) using height and weight in US customary or metric units. …
Open calculator →Everyday
Daily Calories (TDEE)
Calculate your daily calorie needs for weight loss, maintenance, or muscle gain. Uses the …
Open calculator →Everyday
Exact Age
Calculate your exact age in years, months, and days from any birth date. Find age on a future …
Open calculator →Everyday
Unit Converter
Convert between any units: inches to centimeters, pounds to kilograms, Fahrenheit to Celsius, …
Open calculator →Everyday
GPA
Calculate your high school or college GPA on a 4.0 scale. Add courses, credits, and grades to …
Open calculator →Tax & Income
Paycheck
Calculate your exact paycheck after federal income tax, state tax, Social Security, Medicare, …
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Tax Bracket
See exactly which 2026 federal tax bracket your income falls into, how much tax you pay in each …
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Capital Gains Tax
Calculate your capital gains tax on stocks, real estate, or crypto. See short-term vs long-term …
Open calculator →Mortgage & Real Estate
Home Equity
Calculate your home equity, current LTV ratio, and how much you can borrow with a HELOC or home …
Open calculator →Benefits & Planning
Life Insurance
Calculate exactly how much life insurance you need using the DIME method. See coverage by debt, …
Open calculator →Debt & Loans
Student Loan Payoff
Compare every federal student loan repayment plan: Standard 10-year, SAVE, IBR, PAYE, and PSLF. …
Open calculator →Tax & Income
Self-Employment Tax
Calculate your SE tax (15.3%), quarterly estimated payments, the half-SE deduction, and total …
Open calculator →Everyday
Profit Margin
Calculate gross profit margin, net profit margin, and operating margin. Find your break-even …
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RMD
Calculate your 2026 Required Minimum Distribution from traditional IRA, 401(k), 403(b), and …
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Medicare Costs
Calculate your 2026 Medicare costs: Part A, Part B, Part D premiums, and IRMAA income …
Open calculator →Mortgage & Real Estate
Closing Costs
Estimate all closing costs when buying or selling a home in 2026. See lender fees, title …
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Dividend Income
Calculate dividend income from stocks, ETFs, and REITs. See annual and monthly income, DRIP …
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Payroll
Calculate employee net pay and total employer cost including FICA, FUTA, and state unemployment …
Open calculator →Investing & Retirement
Crypto P&L
Calculate cryptocurrency profit, loss, and capital gains tax. Supports FIFO, LIFO, and specific …
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DCA Calculator
Calculate how DCA builds your portfolio over time. Compare DCA vs lump sum investing, track your …
Open calculator →Everyday
Car Depreciation
Calculate how your car loses value each year and what it will be worth in 1–5 years. See true …
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Stock Average Down
Calculate your new average cost when buying more shares at a lower price. Enter up to 10 lots, …
Open calculator →Tax & Income
Side Hustle Tax
Calculate your tax bill on Uber, DoorDash, freelance, Etsy, or any 1099 side income. See SE tax, …
Open calculator →Everyday
Wedding Budget
Estimate your 2026 wedding budget by guest count, style, and location. Full category breakdown: …
Open calculator →Benefits & Planning
COBRA Calculator
Calculate your COBRA premium and compare it to ACA Marketplace plans with subsidies and Medicaid …
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