20 free calculators, no signups
Free Financial Calculators
Every calculator runs real math in your browser — mortgage affordability, debt payoff, retirement projections, FIRE numbers, budgeting, taxes, and more. No signups. No tracking. No ads.
Showing 20 of 20
Home & Mortgage
- Home & MortgageHome AffordabilityFree calculator that shows exactly how much house you can afford based on your income, debts, down payment, and interest rate. DTI-based, lender-accurate math.Open calculator →
- Home & MortgageRent vs. BuySide-by-side comparison of renting vs. buying that includes opportunity cost, maintenance, property tax, and closing costs.Open calculator →
Debt Payoff
- Debt PayoffCredit Card PayoffSee how long it will take to pay off your credit card, how much interest you'll pay, and what a larger payment would save you.Open calculator →
- Debt PayoffCar LoanCalculate your monthly auto loan payment, total interest, and full amortization schedule for any price, rate, and term.Open calculator →
- Debt PayoffStudent Loan PayoffSee exactly when your student loans will be paid off, total interest cost, and how much extra payments accelerate your debt-free date.Open calculator →
Retirement & FIRE
- Retirement & FIRERoth vs TraditionalCompare Roth and Traditional IRAs side by side. See after-tax retirement income for both and pick the right account for your situation.Open calculator →
- Retirement & FIRERetirementEnter your current savings, contributions, and expected return. See exactly when you can retire and how much you'll have.Open calculator →
- Retirement & FIREFIRE CalculatorCalculate your FIRE number, years to retirement, and the exact savings rate needed to reach financial independence.Open calculator →
Investing
- InvestingCompound InterestSee how compound interest turns small monthly deposits into massive balances. Adjustable rate, term, and contribution frequency.Open calculator →
- InvestingInflationSee what today's dollars will be worth after inflation — and what you'd need in the future to match today's buying power.Open calculator →
- InvestingInvestment ReturnCalculate true ROI including contributions, dividend reinvestment, and compounding. See annualized return vs. total return.Open calculator →
Budgeting
- BudgetingEmergency FundCalculate exactly how big your emergency fund should be based on your monthly expenses, dependents, and income stability.Open calculator →
- BudgetingSavings GoalSet a target amount and a date — this calculator tells you exactly how much to save every month to hit the goal.Open calculator →
- BudgetingNet WorthAdd your assets and debts to see your true net worth with a visual breakdown. The single most important number in personal finance.Open calculator →
- BudgetingSubscription AuditAdd every subscription you pay for — monthly, yearly, or otherwise — and see the true annual damage at a glance.Open calculator →
- Budgeting50/30/20 BudgetPlug in your take-home pay and see exactly how much the 50/30/20 rule says you should spend on needs, wants, and savings.Open calculator →
Taxes & Paycheck
- Taxes & PaycheckSide Hustle TaxEstimate federal, state, and self-employment taxes on your side income so you don't get blindsided at tax time.Open calculator →
- Taxes & PaycheckPaycheckEstimate your take-home pay: federal income tax, FICA, and optional state tax — with support for 401(k) and HSA deductions.Open calculator →
Life Events
- Life EventsWedding BudgetPlan your wedding budget with realistic category splits: venue, catering, photography, attire, and more.Open calculator →
- Life EventsBaby CostRealistic estimate of what baby's first year will cost: diapers, childcare, gear, food, healthcare, and hidden extras.Open calculator →
Why these calculators?
Most "free" calculators online are lead-capture forms with a thin answer attached. These aren't. Every tool here runs the real underlying math — the same formulas lenders, brokers, and CPAs use — right in your browser. Your numbers never leave your device.
Start with the net worth calculator if you've never done the exercise. Then check your budget split, emergency fund size, and FIRE number. Those four numbers are the foundation of every financial plan.