Financial Calculators
Plan your financial future with our comprehensive suite of free financial calculators. From mortgages and loans to investments and retirement planning.
Mortgage & Home
Mortgage Calculator
Calculate monthly payment, interest, and amortization.
House Affordability Calculator
Determine how much home you can afford.
Down Payment Calculator
Calculate down payment and savings timeline.
Refinance Calculator
Compare current vs refinanced mortgage.
Mortgage Payoff Calculator
Accelerate mortgage payoff with extra payments.
Rent vs. Buy Calculator
Compare renting vs buying a home.
Home Equity Loan Calculator
Calculate home equity loan payments.
FHA Loan Calculator
Calculate FHA loan payments with MIP.
VA Mortgage Calculator
Calculate VA loan payments and funding fee.
HELOC Calculator
Calculate HELOC payments and credit line.
Loans & Debt
Loan Calculator
Estimate monthly loan repayments and total interest.
Auto Loan Calculator
Calculate car payments and interest rates.
Credit Card Calculator
Calculate payoff time and interest on credit card debt.
Student Loan Calculator
Compare student loan repayment plans.
Debt Payoff Calculator
Create a debt payoff plan.
Personal Loan Calculator
Calculate personal loan payments with fees.
Auto Lease Calculator
Calculate monthly car lease payments.
Savings & Investments
Investment Calculator
Project potential returns on your investments.
Compound Interest Calculator
Calculate compound interest with regular contributions and different compounding frequencies.
Savings Goal Calculator
Figure out how much to save each month to reach your goal.
Interest Calculator
Calculate simple and compound interest.
Simple Interest Calculator
Calculate simple interest using I = Prt.
Interest Rate Calculator
Find the interest rate on a loan.
Savings Calculator
Project savings growth with deposits and interest.
Present Value Calculator
Calculate present value of future money.
Future Value Calculator
Project the future value of investments.
CD Calculator
Calculate certificate of deposit returns.
Retirement
Income & Tax
Business & Analysis
Payment Calculator
Calculate loan payments at any frequency.
Discount Calculator
Calculate discounted prices with tax.
Percent Off Calculator
Find the sale price or discount percentage.
APR Calculator
Calculate true APR including fees.
ROI Calculator
Calculate return on investment.
Inflation Calculator
Calculate inflation impact on purchasing power.
Debt-to-Income Ratio Calculator
Calculate your DTI ratio.
Rental Property Calculator
Analyze rental property investment returns.
Bond Calculator
Calculate bond price, yield, and duration.
Depreciation Calculator
Calculate asset depreciation schedules.
Margin Calculator
Calculate profit margin and markup.
Payback Period Calculator
Calculate investment payback period and NPV.
More
Amortization Calculator
Visualize how your loan is paid off over time.
FIRE Number Calculator
Find your financial independence target with the 4% rule.
Coast FIRE Calculator
How much to save today so compounding alone reaches FIRE.
Barista FIRE Calculator
Smaller portfolio when part-time income covers part of expenses.
FI Timeline Calculator
Project when you reach a savings target with a year-by-year table.
4% Rule Retirement Calculator
Trinity Study simulation with inflation-adjusted withdrawals.
Freelance Day Rate Calculator
Day rate and hourly rate from a target take-home — after tax, expenses, and non-billable time.
Effective Hourly Rate Calculator
Real hourly rate after non-billable hours and project expenses.
Project Profitability Calculator
Post-project P&L vs your target hourly rate.
Freelance Tax Set-Aside Calculator
% of each invoice to save for quarterly / year-end tax.
Rental Yield Calculator
Gross and net rental yield on a buy-to-let after voids, fees, and running costs.
HMO vs Buy-to-Let Calculator
Compare HMO room-by-room yield vs single-let on the same property.
UK Stamp Duty (SDLT) Calculator
Compute SDLT for England & NI — standard, BTL surcharge, or first-time buyer relief.
Property Flip Profit Calculator
Profit and ROI on a property flip after refurb, holding, and selling costs.
Which Calculator Should I Use?
About Financial Calculators
Personal finance is the practice of managing your money to achieve life goals — from buying a home and funding education to building wealth and retiring comfortably. The decisions you make about borrowing, saving, investing, and insuring have compounding effects over decades. Our financial calculators help you model these decisions with real numbers so you can compare options, understand true costs, and make informed choices. Whether you are evaluating a mortgage, planning retirement contributions, or paying down credit card debt, running the numbers first turns abstract financial advice into concrete, actionable plans tailored to your situation.
Why use these calculators?
- Accurate results based on standard formulas
- Fast and mobile-friendly interface
- Completely free to use with no registration
Best Practices
Always double-check your inputs for accuracy. While our tools are rigorous, for critical financial or health decisions, we recommend consulting with a professional explanation.
Frequently Asked Questions
Are these financial calculators accurate?
Yes, our calculators use standard financial formulas. However, they should be used for estimation purposes only. Consult a financial advisor for professional advice.
Is my data saved?
No, all calculations are performed locally in your browser. We do not store your personal financial data.
Can I calculate amortization schedules?
Yes, our Mortgage and Loan calculators provide detailed amortization schedules showing principal and interest breakdowns.
How do I choose between a 15-year and 30-year mortgage?
A 15-year mortgage has higher monthly payments but saves tens of thousands in interest. A 30-year mortgage offers lower payments and more flexibility. Use our Mortgage Calculator to compare both scenarios side by side.
What is the difference between APR and APY?
APR (Annual Percentage Rate) is the simple interest rate without compounding. APY (Annual Percentage Yield) includes the effect of compounding and reflects the true annual return. APY is always equal to or higher than APR.
How much should I save for retirement?
A common guideline is to save 10-15% of your gross income for retirement. Use our Retirement Calculator to determine your specific target based on your age, income, and desired retirement lifestyle.
Should I pay off debt or invest?
If your debt interest rate is higher than expected investment returns (often the case with credit cards at 15-25% APR), paying off debt first is usually better. For low-rate debt like mortgages, investing in parallel can make sense.
Are these calculators suitable for professional use?
Our calculators use industry-standard formulas and are accurate for planning purposes. For legal, tax, or binding financial decisions, always consult a licensed financial advisor or CPA.