Free finance calculators that do the math for you
Sixteen everyday money tools — retirement savings with employer match, salary and overtime conversions, rent vs. buy, mortgages and refinancing, car loans, credit card minimums, debt payoff, and how long your savings will last. Every result updates instantly as you type. No sign-up, nothing saved, nothing sent anywhere.
Compound Interest Calculator
See how savings and investments grow over time with regular monthly contributions and compounding.
Open calculator →Pay Raise Calculator
Turn a percentage raise into real numbers: new salary, extra per month, and extra per paycheck.
Open calculator →Loan Payoff Calculator
Find your payoff date — and see how much interest an extra monthly payment saves you.
Open calculator →Mortgage Calculator
Estimate your true monthly payment including taxes and insurance, plus total interest over the loan.
Open calculator →Debt Payoff Calculator
Compare the avalanche and snowball methods across all your debts and pick the cheaper way out.
Open calculator →Savings Goal & Runway Calculator
Work out how long it takes to reach a savings goal — or how long your savings will last.
Open calculator →401(k) Calculator
Project your retirement balance with your contributions, your employer's match, and decades of growth.
Open calculator →Salary to Hourly Converter
Convert a salary to an hourly wage — or an hourly wage to a salary — with weekly and monthly figures too.
Open calculator →Overtime Calculator
See what time-and-a-half or double-time hours are really worth per week, month, and year.
Open calculator →Rent vs Buy Calculator
Compare the true cost of renting against buying over the years you actually plan to stay.
Open calculator →Home Affordability Calculator
How much house your income supports under the 28/36 debt-to-income rules lenders use.
Open calculator →Refinance Calculator
New payment, monthly savings, and the break-even month when a refinance starts paying off.
Open calculator →Emergency Fund Calculator
Size your safety net in months of expenses and see when you'll be fully funded at your current pace.
Open calculator →Car Loan Calculator
Monthly payment, total interest, and whether the payment fits your income — tax and trade-in included.
Open calculator →Credit Card Minimum Payment Calculator
The uncomfortable truth: how many years and how much interest paying only the minimum really costs.
Open calculator →Roth vs Traditional IRA
Pay tax now or pay tax later? Compare both accounts after tax, side by side, at your tax rates.
Open calculator →How these calculators work
Each tool runs standard financial math — amortization schedules, compound growth, and month-by-month payoff simulations — entirely in your browser. Change any number and the result recalculates on the spot, so you can test “what if I pay $100 more a month?” or “what if I get a 4% raise instead of 3%?” as many times as you like. The explanation and FAQ under each calculator spell out the formula it uses and where the estimate can differ from real life.