Free Financial
Calculators
20+ professional-grade tools to help you plan mortgages, investments, retirement, taxes, and more — all free, no sign-up required.
Loans & Mortgage
Mortgage Calculator
Monthly payments, total cost & interest breakdown
Loan Repayment
Personal & auto loan monthly payment calculator
Amortization Schedule
Full payment-by-payment breakdown table
Credit Card Payoff
Find out when you'll be debt-free & total interest paid
Down Payment
How much to save & when you can buy
Rent vs Buy
Compare renting vs buying over time
Savings & Interest
Compound Interest
Watch your money grow exponentially over time
Simple Interest
Quick interest calculation for fixed-rate accounts
Savings Goal
Monthly savings needed to reach your goal
Emergency Fund
How much you need in your safety net
Investments & Returns
Investment Return
Lump sum & regular contribution growth projections
ROI Calculator
Return on investment & annualized return
Inflation Impact
Purchasing power of money over time
Retirement & Planning
FIRE Number
Your magic number to achieve financial independence
Retirement (FIRE)
How much you need to retire & when
Debt Snowball
Payoff strategy & timeline for multiple debts
Net Worth
Assets minus liabilities — your true financial picture
50/30/20 Budget
Allocate your income the smart way
Income & Tax
Salary to Hourly
Convert between hourly, daily, weekly & annual pay
Income Tax
US federal income tax estimate by bracket
Break-even Point
Units & revenue needed to cover fixed costs
Loans & Mortgage
Mortgage Calculator
Calculate your monthly mortgage payment, total interest paid, and the true cost of your home over the loan term.
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Monthly Payment (P&I)
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Total Monthly (with taxes)
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Loan Amount
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Total Interest Paid
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Total Cost of Home
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Down Payment %
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Loans & Mortgage
Loan Repayment Calculator
Find your monthly payment for any personal loan, auto loan, or student loan.
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Monthly Payment
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Total Interest
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Total Amount Paid
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Loans & Mortgage
Amortization Schedule
See every payment over the life of your loan — principal, interest, and remaining balance.
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Monthly Payment
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Total Interest
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Total Paid
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| Period | Payment | Principal | Interest | Balance |
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Loans & Mortgage
Credit Card Payoff Calculator
Find out when you'll be debt-free and how much interest you'll pay.
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Months to Pay Off
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Payoff Date
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Total Interest Paid
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Total Amount Paid
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Min Payment Warning
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Loans & Mortgage
Down Payment Calculator
Calculate how much you need to save and when you can afford to buy a home.
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Down Payment Needed
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Amount Still Needed
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Months to Goal
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Ready By
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Closing Costs Est. (3%)
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Loans & Mortgage
Rent vs Buy Calculator
Compare the true cost of renting vs buying over your planned time horizon.
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Total Cost of Renting
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Total Cost of Buying
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Better Option
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Home Value at End
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Equity Built
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Net Savings Difference
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Savings & Interest
Compound Interest Calculator
See the power of compounding — how your money grows when interest earns interest.
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Final Balance
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Total Deposited
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Interest Earned
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Savings & Interest
Simple Interest Calculator
Calculate interest on a principal amount without compounding.
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Interest Earned
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Total Amount
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Monthly Interest
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Savings & Interest
Savings Goal Calculator
How much do you need to save each month to reach your financial goal?
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Monthly Savings Needed
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Total Contributed
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Interest Earned
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Savings & Interest
Emergency Fund Calculator
Find out how large your emergency fund should be and when you'll have it.
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Target Emergency Fund
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Still Needed
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Months to Goal
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Investments
Investment Return Calculator
Project the future value of your investments with lump sum and regular contributions.
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Final Portfolio Value
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Total Invested
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Total Returns
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Inflation-Adjusted Value
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Real Rate of Return
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Investments
ROI Calculator
Calculate your return on investment and annualized return rate.
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Total ROI
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Annualized Return (CAGR)
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Net Profit
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Investments
Inflation Impact Calculator
Understand how inflation erodes purchasing power over time.
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Future Purchasing Power
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Purchasing Power Lost
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You'd Need This Much
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Retirement & Planning
FIRE Number Calculator 🔥
Your FIRE Number is the portfolio size at which you can retire and live off investment returns indefinitely. Based on the famous 4% safe withdrawal rate rule from the Trinity Study.
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🔥 YOUR FIRE NUMBER
Years to FIRE
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FIRE Age
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Monthly Expenses
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Portfolio Gap
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Savings Rate Needed
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Inflation-Adj. FIRE #
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FIRE Variant Comparison
| Variant | Multiplier | FIRE Number | Monthly Spend | Lifestyle |
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Progress to FIRE
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Current: $0
Target: $0
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Retirement & Planning
Retirement / FIRE Calculator
Find out how much you need to retire and when you can achieve financial independence.
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Portfolio at Retirement
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Nest Egg Needed (4% Rule)
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Shortfall / Surplus
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Years Until Retirement
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Monthly Income in Retirement
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Portfolio Lasts Until
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Retirement & Planning
Debt Snowball Calculator
Enter up to 5 debts and see your payoff timeline using the snowball method (smallest balance first).
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Total Months to Debt-Free
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Total Interest Paid
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Total Paid
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Retirement & Planning
Net Worth Calculator
Assets minus liabilities — your true financial snapshot.
Assets
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Liabilities
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Total Assets
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Total Liabilities
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Net Worth
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Retirement & Planning
50/30/20 Budget Calculator
Allocate your take-home income across needs, wants, and savings using the popular 50/30/20 rule.
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Needs (Housing, Food, Bills)
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Wants (Dining, Hobbies)
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Savings & Debt Payoff
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Annual Income
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Annual Savings
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Income & Tax
Salary to Hourly Converter
Convert between hourly wage, daily, weekly, biweekly, monthly, and annual salary.
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Annual Salary
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Monthly
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Biweekly
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Weekly
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Daily
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Hourly
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Income & Tax
US Income Tax Estimator
Estimate your 2024 federal income tax based on brackets. Does not include state tax or all deductions.
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Taxable Income
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Estimated Federal Tax
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Effective Tax Rate
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Marginal Tax Bracket
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Take-Home (Annual)
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Take-Home (Monthly)
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Income & Tax
Break-even Calculator
Find out how many units you need to sell to cover your fixed and variable costs.
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Break-even Units
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Break-even Revenue
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Contribution Margin
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Contribution Margin %
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