Free Calculators for Your Biggest Money Decisions
Buying a home, financing a car, comparing job offers, or paying off debt? Run the numbers before you commit. 100% free, no sign-up.
- No account needed
- Runs in your browser
- Lender-standard formulas
zero sign-ups
What You Can Do Here
Plan Your Home Purchase
Calculate mortgage payments, see what you can afford with the 28/36 rule, compare renting vs. buying, and find your refinance break-even point.
ExploreFinance a Car Wisely
Calculate car payments, find a realistic price with the 20/4/10 rule, and compare the true cost of leasing vs. buying.
ExploreKnow Your Real Pay
Estimate take-home pay after federal tax, state tax, and FICA, and convert hourly wages to an annual salary to compare job offers.
ExploreGrow Savings, Kill Debt
Project compound investment growth, plan how much to save each month for a goal, and compare snowball vs. avalanche debt payoff.
ExploreRun the Numbers Before You Commit
We use the same standard formulas lenders and financial planners use: loan amortization for mortgages and car loans, compound interest for investments, and current federal tax brackets and FICA rates for paychecks.
- 100% free. No sign-up, no credit card, no hidden fees.
- Calculations happen in your browser, and we never store your numbers.
- Clear results with schedules, comparisons, and break-even points.
Choose a Category
Mortgage & Home
Mortgage payment, home affordability, refinance break-even, and rent vs. buy comparison
4 Calculators
Auto Loans
Car payment, car affordability (20/4/10 rule), and lease vs. buy
3 Calculators
Salary & Income
Take-home paycheck after taxes and hourly to annual salary conversion
2 Calculators
Saving & Investing
Compound investment growth, savings goals, and debt payoff (snowball vs. avalanche)
3 CalculatorsPopular Calculators
Mortgage Payment Calculator
Monthly payment with extra-payment scenarios and a full amortization schedule.
Home Affordability Calculator
See how much house you can afford using the 28/36 rule.
Refinance Calculator
Monthly savings, break-even point, and total interest saved.
Rent vs. Buy Calculator
30-year comparison including appreciation and opportunity cost.
Car Payment Calculator
Monthly auto loan payment with tax, fees, and trade-in.
Car Affordability Calculator
Find a realistic price with the 20/4/10 rule.
Lease vs. Buy Calculator
Compare the true cost of leasing vs. buying.
Paycheck Calculator
Take-home pay after federal tax, state tax, and FICA.
Hourly to Salary Calculator
Convert hourly wages to annual salary to compare offers.
Investment Calculator
Project compound growth with monthly contributions.
Savings Goal Calculator
How much to save each month to hit your goal.
Debt Payoff Planner
Compare snowball vs. avalanche payoff strategies.
Frequently Asked Questions
Are these calculators really free?
Yes! 100% free, no sign-up required, no credit card, no hidden fees. We believe financial tools should be accessible to everyone.
Do I need to create an account?
Nope! Just visit any calculator and start using it immediately. No registration, no email required.
How accurate are these calculators?
We use the same standard formulas lenders and financial planners use: loan amortization for mortgages and car loans, compound interest for investments, and current federal tax brackets and FICA rates for paychecks. Results are estimates, because your actual rate, fees, and taxes depend on your lender, state, and personal situation.
Can I use these for actual financial decisions?
Our calculators provide accurate estimates for planning purposes. For major decisions (mortgages, investments), consult with licensed professionals. We're a planning tool, not financial advice.
Do you save my data?
No. Calculations happen in your browser, and we don't store the numbers you enter. Like most websites, we use Google Analytics and Google AdSense cookies. See our Privacy Policy for details.
Can I suggest a new calculator?
Absolutely! Send us your idea through our contact page. We're always expanding based on user feedback.
Get In Touch
Have a question, found a bug, or want us to build a new calculator? Send us an email. We read every message and typically respond within 24-48 hours.
