19 free tools · run in your browser
Finance calculators for everyday money decisions
Work out a mortgage payment, a debt payoff date, your take-home pay or what your savings will grow to. Every calculator shows its working, runs in your browser and needs no account.
Finance calculators
- Mortgage calculatorWork out monthly loan or mortgage payments (EMI), total interest and a full amortization schedule.
- Amortization calculatorCompare monthly and biweekly schedules, extra payments, interest-only loans and balloon balances.
- How much house can I affordFind the home price you can afford from your income, monthly debts, down payment and interest rate, using 28/36 and other debt-to-income limits.
- Rent vs buy calculatorCompare the true cost of renting and buying a home over time, with property tax, maintenance, appreciation and the return on money you don't spend.
- Compound interest calculatorProject savings growth with compound interest and regular contributions, with a yearly table.
- Savings goal calculatorProject savings and calculate the monthly contribution needed for a goal.
- Inflation calculatorSee what a dollar amount from any year since 1913 is worth today using US CPI data, or project future prices at an inflation rate you choose.
- Net worth calculatorAdd up your assets and debts into a simple balance sheet, see your net worth, and save snapshots on this device to track it over time.
- Debt snowball calculatorCompare the snowball and avalanche methods across all your debts to see your payoff date, total interest and the order to pay them off.
- Credit card payoff calculatorSee when a credit card will be paid off, the interest you will pay, and how minimum payments compare.
- Paycheck calculatorEstimate take-home pay after 2026 federal income tax, Social Security, Medicare and state income tax, per paycheck and per year.
- Salary to hourly calculatorConvert between annual, monthly, weekly, daily and hourly pay using your own hours and paid weeks.
- Overtime calculatorWork out overtime pay at time-and-a-half, double time or your own rate, with weekly and daily overtime and total gross pay.
- Tip calculatorCalculate tips, tax and service charges with equal or weighted group splits, and convert the total into your home currency.
- Sales tax calculatorCalculate inclusive or exclusive sales tax with editable state and local rates.
- Discount calculatorApply stacked discounts, calculate savings and recover an original price.
- Percentage calculatorWork out percentages of a number, percentage change, increases and decreases, with the working shown.
- Electricity cost calculatorWork out what an appliance costs to run per hour, day, month and year.
- Gas cost calculatorEstimate fuel, tolls and trip costs; compare two vehicles.
Which calculator do you need?
- Buying a home: start with the Home Affordability Calculator for a price range, then price a specific loan in the Mortgage & Loan Calculator. The Rent vs Buy Calculator compares the long-run cost of both.
- Extra payments, biweekly schedules or a balloon: use the Advanced Loan Amortization calculator.
- Several debts at once: the Debt Snowball & Avalanche Calculator compares payoff orders. For a single card, the Credit Card Payoff Calculator is quicker.
- Your pay: the Paycheck Calculator estimates take-home pay after federal and state tax; Salary to Hourly and the Overtime Pay Calculator handle rate conversions and overtime.
- Saving and growth: the Compound Interest Calculator projects a balance with regular deposits; the Savings Goal Calculator works backward from a target; the Inflation Calculator shows what money from past years is worth today.
- Quick shopping maths: tip, sales tax, discount, percentage, fuel and electricity cost calculators.
How these calculators work
Every calculator on this page runs entirely in your browser. The numbers you type, such as your income, balances or salary, are not sent to a server, and you don't need an account. The Net Worth Calculator can save snapshots, but only on your own device.
The formulas are standard and shown on each page: loan payments use the usual fixed-payment amortization formula, debt plans are simulated month by month, and the inflation figures use published US CPI data. They are planning estimates, not a lender's quote or financial advice. Real offers depend on your credit, fees and the lender's own rules.
Three numbers worth knowing
APR vs interest rate. The interest rate sets your payment. The APR also folds in certain fees, so use it to compare offers, and the rate to estimate the payment.
Debt-to-income ratio (DTI). Lenders divide your monthly debt payments by your gross monthly income. The classic guideline is 28% for housing and 36% for all debts; our guide on how much house you can afford walks through it with real numbers.
Total interest. The monthly payment is only half the story. Stretching a loan from 15 to 30 years lowers the payment but can roughly double the interest you pay, so check the total on every option. If you are paying down several balances, see debt snowball vs avalanche.
Guides
Frequently asked questions
Are these finance calculators free?+
Yes. Every calculator is free to use with no sign-up, no limit on how many times you run it and no paid tier.
Is my financial information stored or sent anywhere?+
No. The calculations run in your browser and the figures you enter aren't uploaded. The Net Worth Calculator can save snapshots, which are kept only in your browser's storage on that device.
How accurate is the mortgage payment?+
The principal-and-interest figure uses the same formula lenders use for a fixed-rate loan, so it matches to the cent for the same rate and term. Your actual payment will also include escrow for property tax and insurance, and possibly PMI or HOA dues, which the Home Affordability Calculator adds in.
Which is better, the debt snowball or the debt avalanche?+
The avalanche (highest APR first) always costs the same or less in interest. The snowball (smallest balance first) clears individual debts sooner, which some people find easier to stick with. Our snowball vs avalanche guide compares both on a real example.
Does the paycheck calculator include state taxes?+
Yes. It estimates federal income tax, Social Security, Medicare and state income tax for the 2026 tax year. Local taxes and some deductions vary, so treat it as an estimate and check your pay stub.
Can I use these calculators outside the US?+
Most of them work with any currency because the maths is the same everywhere: loans, compound interest, debt payoff, percentages and savings goals. The paycheck and inflation calculators are US-specific because they use US tax rules and US CPI data.
Is this financial advice?+
No. The calculators give estimates from the numbers you enter. For decisions with real consequences, such as a mortgage, check figures with your lender or a qualified adviser.