Free financial calculators

Understand the numbers behind your money.

Tools for mortgages, investing, retirement, budgeting, debt and savings—with clear calculations and visual explanations.

See the tools →How it works →

Free to use
No account required
Calculations stay in your browser
Formulas you can inspect

Tools for everyday money decisions

MortgageEstimate monthly principal and interest, total interest and amortization.Open calculator →Compound InterestExplore how contributions and compound growth may affect an investment over time.Open calculator →RetirementEstimate retirement savings based on contributions, time and return assumptions.Open calculator →BudgetCompare monthly income and expenses and understand your remaining cash flow.Open calculator →Debt SnowballCreate an estimated debt payoff schedule based on balance-first repayment.Open calculator →Rent vs BuyCompare estimated long-term outcomes of buying versus renting and investing.Open calculator →

View all 10 calculators →

Built into every calculation

Clear result

Start with the number you came for.

Visual context

See how the result changes over time.

Compare scenarios

Change your inputs to see what makes a difference.

See what changes your mortgage payment.

Slide to explore, or type an exact value. Compare monthly payments and total interest as you go.

Try your numbers

Home price

$100,000$1,500,000

Down payment

0%100%

$80,000 upfront. Stays at this percentage when the price changes.

Interest rate

0%12%

Fixed loan term

Monthly principal & interest

$2,023/ month

$320,000 borrowed at 6.5% for 30 years.

Over the full 30-year loan

Principal repaid: $320,000
Interest paid: $408,142
Total repaid: $728,142

Principal and interest only. Excludes property tax, homeowners insurance, PMI, HOA dues and fees.

Add taxes, insurance and more

Learn the numbers

Home & Mortgage · 5 min read

How Mortgage Amortization Works

See how the same loan payment gradually shifts from interest to principal.

Read guide →

$320,000 loan · 6.5% fixed · 30 years

Year 1 interest: $20,695
Year 30 interest: $833

Same scheduled payment. More principal repaid over time.

Income & Budgeting · 5 min read

Gross Pay vs Net Pay: Taxes, Benefits and Deductions

Understand why a tax deduction, a retirement transfer and take-home cash are different.

Read guide →

2026 example · one single worker · federal tax and FICA only

Annual gross pay: $75,000
Estimated net pay: $61,593

Follow the deductions between what you earn and what you keep.

Saving & Investing · 5 min read

Compound Interest: Growth, Contributions and Inflation

Understand what you put in, what the model adds and what future dollars can buy.

Read guide →

20 years · $10,000 + $500/month · 7% nominal, compounded monthly

Contributed: $130,000
Modeled growth: $170,851
Future balance: $300,851

Separate the money you add from the growth you assume.