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Free Financial Calculators
Real math in your browser — mortgage affordability, debt payoff, retirement projections, FIRE numbers, budgeting, taxes, and more. No signups, tracking, or ads.
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🏠Home & Mortgage
- ★ Most Popular🏠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→
- 🔁Home & MortgageRefi Break-EvenCalculate how many months until refinance savings pay back closing costs.Open calculator→
- 🏡Home & MortgageHome EquityEstimate HELOC or home equity loan payments, interest, and total cost.Open calculator→
- ⚡Home & MortgageExtra PaymentSee how much time and interest an extra monthly mortgage payment saves.Open calculator→
- 🏚️Home & MortgageHome InsuranceEstimate annual homeowners insurance premium from home value, location, and deductible.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→
- 🚙Debt PayoffLease vs BuyTotal 5-year cost of leasing versus buying a car, including depreciation and interest.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→
- ★ Most Popular🏖️Retirement & FIRERetirementEnter your current savings, contributions, and expected return. See exactly when you can retire and how much you'll have.Open calculator→
- ★ Most Popular🔥Retirement & FIREFIRE Readiness10-question assessment that scores your FIRE readiness across savings rate, net worth multiple, investment allocation, and lifestyle flexibility.Open calculator→
- 🎓Retirement & FIRE529 PlanProject 529 balance at age 18 from monthly contributions and expected return.Open calculator→
- 🏛️Retirement & FIRESS Break-EvenFind the age where claiming Social Security later beats claiming at 62.Open calculator→
- 📤Retirement & FIRERMDCalculate your required minimum distribution from 401(k) or traditional IRA accounts.Open calculator→
- 🏦Retirement & FIRESWRFind your sustainable retirement withdrawal rate using the 4% rule and custom adjustments.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→
- 📆InvestingDCA CalculatorCompare DCA to lump-sum investing across fixed periods and returns.Open calculator→
- 💰InvestingDividend IncomeProject annual dividend income from portfolio size, yield, and growth rate.Open calculator→
- 📜InvestingBond YieldCalculate current yield, yield to maturity, and annual interest on any bond.Open calculator→
- 🏘️InvestingRental ROICalculate cap rate, cash-on-cash return, and monthly cash flow on a rental property.Open calculator→
📊Budgeting
- 🛟BudgetingEmergency Fund Quiz12-question readiness quiz that scores how prepared your emergency fund actually is — covering expenses, income stability, dependents, and liquidity.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 AnalyzerInteractive subscription analyzer. Tag each service as keep / maybe / cancel, see category breakdowns, 30-year opportunity cost, and your waste score.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→
- 🎯BudgetingSide Income TargetHow much extra monthly income you need to hit a specific savings or debt goal.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→
- 🧮Taxes & PaycheckCapital GainsEstimate federal long-term and short-term capital gains tax on stock sales.Open calculator→
- 💸Taxes & PaycheckTax RefundEstimate your federal tax refund or balance due from income, withholding, and filing status.Open calculator→
- ⏱️Taxes & PaycheckHourly → SalaryConvert hourly wage to annual salary — pre-tax and after-tax estimates.Open calculator→
- 🕒Taxes & PaycheckOvertime PayCalculate time-and-a-half or double-time pay for any hourly wage and overtime hours.Open calculator→
💍Life Events
- 💍Life EventsWedding PlannerInteractive wedding planner with a 12-month timeline, vendor checklist, and live budget split across venue, catering, attire, photography, and more.Open calculator→
- 👶Life EventsBaby ChecklistInteractive first-year baby checklist. Check off what you need across gear, feeding, sleep, and health — see your total cost update live as you plan.Open calculator→
- 🛡️Life EventsLife InsuranceUse the DIME method to calculate how much life insurance coverage you actually need.Open calculator→
- 🩼Life EventsIncome ReplacementFind out how much disability or survivor insurance you need to replace lost income.Open calculator→
Where should you start?
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.