Free financial calculators

58 calculators for everyday money decisions — mortgages, loans, savings, salary, pricing and more. The math runs in your browser; no login, no tracking.

Loans & Mortgage

• Mortgage Payment Calculator — Estimate your monthly mortgage payment, total interest, and payoff.
• Loan Payment Calculator — Monthly payment for any fixed-rate loan — auto, personal, student.
• Auto Loan Calculator — Monthly car payment with trade-in and down payment.
• Refinance Calculator — See if refinancing your mortgage is worth it.
• Rent vs Buy Calculator — Should you keep renting or buy a home?
• Home Affordability Calculator — The home price you can actually afford.
• Debt Payoff Calculator — How long until you're debt-free?
• Credit Card Payoff Calculator — See what minimums really cost you.
• Closing Cost Calculator — Estimate the cash you'll need at closing.
• Property Tax Estimator — Annual and monthly property tax on any home.
• HOA Cost Calculator — The true long-term cost of HOA dues.
• Home Insurance Estimator — Rough annual homeowners insurance premium.
• Home Renovation Cost Calculator — Ballpark cost for common remodel projects.

Savings & Investing

• Compound Interest Calculator — See how your savings grow with regular contributions.
• Savings Goal Calculator — How much to save monthly to hit your goal.
• Retirement Calculator — Are you on track for retirement?
• FIRE Number Calculator — The number that lets you retire early.
• 401(k) Contribution Calculator — Project your 401(k) balance with employer match.
• CD Calculator — Final value of a certificate of deposit.
• Emergency Fund Calculator — How much cash you actually need on hand.
• Rule of 72 Calculator — Years for your money to double.

Everyday Money

• Inflation Calculator — What is today's dollar worth in N years?
• Tip Calculator — Split the bill and calculate a fair tip.
• Sales Tax Calculator — Add sales tax to any price.
• Discount Calculator — How much you save and the final price.
• Price Per Unit Calculator — Compare unit prices to spot the better deal.
• Net Worth Calculator — Assets minus liabilities — your financial picture.
• Gas Cost Calculator — Fuel cost for any trip.
• Subscription Cost Calculator — The real annual cost of your subscriptions.
• Coffee Habit Calculator — What your daily latte really costs.
• APR vs APY Calculator — Convert between quoted APR and true APY.
• 50/30/20 Budget Calculator — Split take-home pay into needs, wants, and savings.
• Credit Card Interest Calculator — Monthly interest at your card's APR.

Income & Work

• Salary to Hourly Calculator — Convert between annual salary and hourly wage.
• Freelance Hourly Rate Calculator — What to charge to hit your target income.
• Cost-of-Living Raise Calculator — What raise do you need to keep up with inflation or a move?
• Take-Home Pay Calculator — Rough estimate of your paycheck after taxes.
• Overtime Pay Calculator — What OT should actually pay you.

Pricing & Business

• Markup vs Margin Calculator — Set the right selling price for your product.
• Break-Even Calculator — Units you must sell to cover fixed costs.
• ROI Calculator — Return on any investment, simple and annualized.
• Car Lease vs Buy Calculator — Which is cheaper over 3 years?
• Meeting Cost Calculator — The true cost of that recurring meeting.
• Customer Lifetime Value (CLV) — How much a customer is worth over their lifetime.
• Customer Acquisition Cost (CAC) — What each new customer really costs you.
• SaaS Pricing Calculator — MRR and ARR from your pricing tiers.
• Business Startup Cost Calculator — How much cash you need to launch.

Vehicles

• Car Total Cost of Ownership — The 5-year all-in cost of your car.
• EV vs Gas Savings Calculator — Annual fuel savings switching to an EV.
• Car Depreciation Calculator — What your car will be worth in N years.

Family & Life

• Wedding Budget Calculator — Allocate your wedding budget across categories.
• Baby First-Year Cost Calculator — What it costs to welcome a baby.
• Childcare Cost Calculator — Weekly, yearly, and total childcare spend.
• College Cost Calculator — Save now for a 4-year degree later.
• Vacation Budget Calculator — Full trip budget — flights, lodging, food, activities.
• Relocation Cost Calculator — Total cost of moving to a new city.

Healthcare

• Health Insurance Cost Estimator — True annual cost including premiums and out-of-pocket.
• Medical Bill Estimator — What you'll owe after insurance.

Have a real bill or quote? Try the bill analyzer or browse all free tools.