Free money calculators
Free calculators for loans, savings, property and tax. They show their working, use official figures, and your numbers never leave your browser.
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Debt & Loans
- Loan Repayment Calculator Enter the amount, APR and term to see your monthly payment, the total interest you will pay, and how much sooner extra payments clear the loan.
- Debt Payoff Calculator: Avalanche or Snowball Add each debt's balance, APR and minimum payment, set the total you can pay each month, and see your debt-free date, the order your debts clear and how much you save over paying only the minimums.
- Credit Card Payoff Calculator Enter your card balance and APR, then choose a fixed monthly payment, a number of months to clear it, or the minimum only, to see how long it takes and how much interest you pay.
- Debt-to-Income Ratio Calculator Enter your gross monthly income, your rent or mortgage payment and your other monthly debt payments to see your debt-to-income ratio and the share of income going on housing alone.
- Auto Loan Calculator Enter the vehicle price, what you are putting down, your trade-in, sales tax, fees, APR and term to see the amount financed, your monthly payment and what the car costs in total.
- Student Loan Refinance Calculator: RAP and Tiered Standard Enter your balance, rate and income to see whether refinancing lowers your payment and total interest, and what the federal Repayment Assistance Plan and Tiered Standard plan would ask you to pay.
Mortgage & Housing
- Home Affordability Calculator: How Much House Can I Afford Enter your income, monthly debts and down payment to see the highest home price whose full monthly payment fits within the housing and total debt limits you set.
- Amortization Schedule Calculator Enter the amount borrowed, the interest rate, the term and the month of your first payment to see a full schedule of principal, interest and balance, payment by payment.
- Rent vs Buy Calculator Enter a home price, your mortgage and the rent on a similar home to see whether buying or renting and investing the difference leaves you with more money after the years you choose.
- Closing Costs Calculator: Cash to Close Enter the costs from your Loan Estimate to total your closing costs and see how much cash you will need to bring to closing.
Savings & Investing
- Savings Goal Calculator Set a target, a deadline and your savings rate to see the monthly amount you need to put aside, and how much of the goal interest will cover.
- Emergency Fund Calculator Enter your essential monthly spending and how many months you want to cover to see your emergency fund target, how much is left to save and how long it will take.
- Compound Interest Calculator Enter a starting amount, a monthly contribution, a rate and a time frame to see your final balance and how much of it is interest rather than money you paid in.
- Inflation Calculator: Future Cost and Buying Power Choose whether you want a future price or the future buying power of your money, then enter an amount, a yearly inflation rate and a number of years.
- ROI Calculator: Total and Annualized Return Enter what you invested, what it is worth now, any costs and how long you held it to see your gain or loss, your total return and your annualized return.
- Investment Fees Calculator Enter what you invest, a return before fees and two yearly fee levels to see how far apart the balances end up, and what each fee costs you in lost growth.
- 529 College Savings Calculator: Will You Have Enough Enter your child's age, what is in the 529 and what you save each month to see how much of the projected cost of college your savings could cover.
Retirement
- Retirement Savings Calculator Enter your age, savings, salary, 401(k) and IRA contributions to see what you could have by retirement, what that is worth in today's dollars, and an example yearly income.
- Retirement Withdrawal Calculator: Taxes and RMDs Enter your balance, birth year and the yearly amount you want to withdraw to see the federal tax on it, when RMDs start, and roughly when the money runs out.
- Social Security Calculator Enter your birth year and your benefit at full retirement age, or a rough earnings figure, to see your monthly Social Security benefit at any claiming age from 62 to 70.
- 401(k) Match Calculator Enter your salary, what you contribute and your employer's match formula to see the match you get each year, any match you are missing, and the contribution rate that captures all of it.
- FIRE Calculator: Your Financial Independence Number Enter what you expect to spend each year, a withdrawal rate, what you have invested and what you add each year to see your FIRE number and roughly when you could reach it.
Income & Tax
- Take-Home Pay Calculator: Paycheck After Taxes 2026 Enter your salary, filing status, 401(k) contribution, pre-tax benefits and state tax rate to see what lands in your account each paycheck and each year in 2026.
- Capital Gains Tax Calculator 2026: Federal and NIIT Enter what you paid, what you sold for, how long you held it and your other income to see the federal tax, Net Investment Income Tax and state tax on your gain in 2026.
Everyday Budgeting
- Net Worth Calculator List what you own and what you owe to see your net worth today, a single figure you can check each year to see whether your finances are moving forward.
- 50/30/20 Budget Calculator Enter your monthly take-home pay to see how much the 50/30/20 rule puts toward needs, wants, and savings and extra debt payments, then check your real spending against it.