Free Personal Finance Calculators
Plain-English calculators for mortgages, loans, retirement, and budgeting — no signup, no data collection, every calculation runs right in your browser.
Estimates only, not financial advice.
Mortgage Calculator
Monthly payment, PMI, taxes, and a full amortization schedule.
Auto Loan Calculator
Monthly payment, sales tax, trade-in, and a full payoff schedule.
Compound Interest Calculator
See how contributions and interest compound over time.
Retirement / 401(k) Calculator
Project your retirement balance from contributions and growth.
Debt Payoff Calculator
Compare snowball vs. avalanche payoff strategies.
Credit Card Payoff Calculator
How long to pay off a balance, and what it costs in interest.
Rent vs. Buy Calculator
Compare the true cost of renting versus buying a home.
Home Equity / HELOC Calculator
Estimate how much you can borrow against your home's equity.
Savings Goal Calculator
How much to save each month to hit a target amount.
Investment ROI Calculator
Calculate return on investment over time.
Inflation Calculator
See how inflation erodes purchasing power over the years.
Budget Calculator
Split your income using the 50/30/20 rule.
House Affordability Calculator
Find the max home price you can afford based on income and debts.
Car Affordability Calculator
Find the max vehicle price your monthly budget supports.
Debt-to-Income Calculator
See your DTI ratio against common lender guidelines.
Net Worth Calculator
Add up your assets and liabilities to find your net worth.
Mortgage Refinance Calculator
See your break-even time and monthly savings from refinancing.
Emergency Fund Calculator
Find your target emergency fund and how much you still need.
CD Calculator
See how much a certificate of deposit is worth at maturity.
Credit Utilization Calculator
Check your overall and per-card utilization ratio.
College Savings (529) Calculator
Project your college fund balance and see if you're on track.
Car Lease vs. Buy Calculator
Compare the net cost of leasing versus financing a car.
Debt Consolidation Calculator
Compare your current debts to a new consolidation loan.
Life Insurance Calculator
Estimate your coverage needs using the DIME method.