Free Finance Calculators

Make money decisions with real numbers. Our free finance calculators cover the big moments, from buying a home and taking out a loan to paying off debt, building savings and planning for retirement, plus the everyday questions in between.

Mortgage CalculatorMonthly payment with taxes, insurance and PMI.Mortgage Affordability CalculatorHow much house your income can support.Down Payment CalculatorCash needed upfront and time to save it.PMI CalculatorPMI cost and when it can be removed.Closing Cost CalculatorUpfront fees and total cash to close.Mortgage Refinance CalculatorSavings and break-even of a refinance.Home Equity CalculatorYour equity, LTV and borrowing power.Amortization Schedule CalculatorPrincipal and interest, payment by payment.Rent vs Buy CalculatorWhen buying becomes cheaper than renting.Property Tax CalculatorYearly and monthly property tax.Loan CalculatorPayment and interest on any fixed-rate loan.Auto Loan CalculatorCar payment with tax, fees and trade-in.Car Lease CalculatorMonthly lease payment from residual and money factor.Loan Payoff CalculatorTime and interest saved with extra payments.Credit Card Payoff CalculatorWhen your card will be paid off.Debt Snowball CalculatorPay the smallest balance first.Debt Avalanche CalculatorPay the highest interest rate first.Debt-to-Income Ratio CalculatorYour DTI ratio and what lenders think.Credit Utilization CalculatorCard utilization and how much to pay down.APR CalculatorTrue APR including loan fees.APY CalculatorAnnual yield from rate and compounding.Simple Interest CalculatorInterest = principal × rate × time.Compound Interest CalculatorGrowth with compounding and monthly deposits.Savings Goal CalculatorMonthly savings needed to hit a goal.Emergency Fund CalculatorHow big your safety net should be.Retirement Savings CalculatorNest egg and income at retirement.College Savings CalculatorCollege savings versus future costs.Investment Return CalculatorProjected growth and CAGR.Dividend CalculatorDividend income, yield and reinvesting.Rule of 72 CalculatorHow fast money doubles.Inflation CalculatorWhat inflation does to your money.Net Worth CalculatorAssets minus liabilities.Monthly Budget PlannerMonthly budget by category.50/30/20 Budget CalculatorCompare spending with 50/30/20.Hourly to Salary CalculatorHourly wage to yearly salary.Salary to Hourly CalculatorSalary to hourly and effective rate.Sales Tax CalculatorAdd or remove sales tax.Rental Yield CalculatorGross and net yield on a rental.Fuel Cost CalculatorFuel and cost for a trip.Subscription Cost CalculatorWhat your subscriptions cost a year.Student Loan Payoff CalculatorPayoff date and savings from extra payments.How Long Will My Savings Last?How long a nest egg lasts with withdrawals.

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How to use these calculators

Start with the question you are trying to answer. Thinking about a home? Begin with the affordability calculator, then the mortgage calculator and closing costs. Paying down debt? Compare the snowball and avalanche methods. Saving or investing? The compound interest calculator shows how time does the heavy lifting.

Built to be understood

Every calculator shows the formula it uses and walks through a worked example with real numbers, so you can check the logic and adapt it to your situation. Results are estimates for planning. For big decisions, confirm the details with your lender, bank or a qualified financial professional.

Frequently asked questions

Are these calculators really free?

Yes. There is no sign-up, no paid tier and nothing to download.

Is my financial information stored?

No. Calculations run in your browser, and the numbers you type are not sent to our servers.