24 free calculators · no sign-up · US-focused
Free financial calculators.
Mortgage payments, paychecks, savings goals, credit-card payoff, invoices. Every answer updates as you type, explains itself, and can be saved or shared with a link.
- Current-year dataSources and dates shown
- Whole answerCosts and formulas explained
- Save or shareNo account required
Featured calculators
All 24 calculators- 🏠MortgageYour real monthly payment, not just principal and interest, plus a full amortization schedule and payoff date.
- 🔑Home affordabilityThe price range a lender would approve, and the one you'd actually be comfortable with, from your income, debts, and cash.
- 🧾Take-home payWhat actually lands in your bank account each payday, with every tax and deduction itemized using 2026 federal brackets.
- 📈Compound interestWatch a starting balance plus regular contributions grow, with the split between what you put in and what interest did for you.
- 💳Credit card payoffYour debt-free date, total interest, and a side-by-side with what minimum payments would really cost you.
- 🧾Invoice generatorFill in the blanks, print to PDF, get paid. No account, no watermark, and your details are remembered for next time.
- ⏱️Salary ↔ HourlyConvert between salary and hourly pay in both directions, with every pay period side by side.
- 🌴Retirement / 401(k)Project your nest egg by age, see the income it can pay you, and find out if you're leaving employer match on the table.
All 50 states + DC, with each state’s income tax built in.
Every salary from $20k to $300k, per hour, per paycheck, after tax.
Every wage from $8 to $150, full-time, part-time, and overtime.
Mortgage & Loans
Payments, amortization, and what a loan really costs.
- 🏠Mortgage
Your real monthly payment, not just principal and interest, plus a full amortization schedule and payoff date.
- 🔑Home affordability
The price range a lender would approve, and the one you'd actually be comfortable with, from your income, debts, and cash.
- 💵Loan
Monthly payment, total interest, and a month-by-month schedule for any fixed-rate loan. Or reverse it: find the rate hidden in a quoted payment.
- 🚗Auto loan
The real monthly car payment, including sales tax, fees, and your trade-in, with every loan term compared side by side.
- ⚖️Compare mortgages
Compare 15 vs 30 year mortgages, two fixed-rate quotes, or extra payments. See principal and interest, payoff time, and the balance at your chosen year.
- 🏘️Rent vs. buy
The honest version: not just monthly cost, but where your net worth ends up if you buy versus rent and invest the difference.
Savings & Investing
Compound growth, goals, and retirement math.
- 📈Compound interest
Watch a starting balance plus regular contributions grow, with the split between what you put in and what interest did for you.
- 🎯Savings goal
Use this savings goal calculator to estimate a monthly deposit or the time needed to reach a target, including your starting balance and account APY.
- 🌴Retirement / 401(k)
Project your nest egg by age, see the income it can pay you, and find out if you're leaving employer match on the table.
Income & Taxes
Paychecks, hourly rates, sales tax, and tips.
- 🧾Take-home pay
What actually lands in your bank account each payday, with every tax and deduction itemized using 2026 federal brackets.
- 🎁Bonus tax
What actually lands in your account from a bonus, and why the 22% your employer withholds usually isn't the tax you really owe.
- ⏱️Salary ↔ Hourly
Convert between salary and hourly pay in both directions, with every pay period side by side.
- 🏷️Sales tax
Add sales tax to a price or pull it out of a receipt total, with current rates for every state.
- 🍽️Tip
Tip, total, and each person's share in one tap. Works great on a phone at the table.
Debt Payoff
Credit cards and debt-free dates, with a plan.
Small Business
Margins, markup, break-even, and invoices.
- 📊Profit margin
Margin, markup, and profit per unit, or work backward from the margin you want to the price you should charge.
- 🔖Markup
Turn a cost and a markup into a price, or convert between markup and margin without getting them mixed up.
- ⚖️Break-even
How many sales cover your costs, and how much room you have before a slow month turns into a loss.
- 🧾Invoice generator
Fill in the blanks, print to PDF, get paid. No account, no watermark, and your details are remembered for next time.
- 🎯ROI
Total return and annualized return for anything you put money into, from stocks to a rental to a marketing campaign.
Budget & Net Worth
Trackers that remember you between visits.
- 🥧50/30/20 budget
Turn your paycheck into three numbers you can actually live by, and see where your real spending drifts from the plan.
- 🛟Emergency fund
Size your safety net from your real essential expenses, get a recommendation for your situation, and see how long it takes to get there.
- 🧭Net worth tracker
Add up what you own, subtract what you owe, and save a snapshot each month to watch the line go up.
Why people keep coming back
The whole answer, not just one number
The mortgage tool shows taxes, insurance, PMI, and HOA. The paycheck tool itemizes every tax line. You see the math, the formula, and what to do about it.
Saves and shares without an account
Every input lives in the link. Copy it to a spouse, an accountant, or your future self. Save scenarios to your browser; nothing is uploaded, ever.
Fast, honest, and readable
No pop-ups, no gated results, no “enter your email to see the answer.” Pages load in a blink on a phone. Data sources and the year they were verified are stated on every page.