Financial Tools
Free, privacy-first calculators. Calculate payments, plan savings, and explore scenarios. No sign-up. No tracking. Just answers.
🔥 Trending Tools
Debt Payoff Calculator
Compare Snowball vs. Avalanche methods and calculate time to debt-free.
Loan Calculator
Monthly payment and amortization schedule.
Mortgage Affordability
How much home can you afford?
Retirement Savings Calculator
Project 401(k), IRA, and Roth IRA growth and plan retirement age.
Compound Interest
Growth with contributions and compounding.
Budget Planner
50/30/20 and custom category planning.
Debt Management
View All →Debt Payoff Calculator
Compare Snowball vs. Avalanche methods and calculate time to debt-free.
Credit Card Payoff Calculator
Calculate time to pay off credit card debt and see total interest paid.
Debt-to-Income Ratio Calculator
Calculate DTI ratio to assess financial health and loan eligibility.
Loans & Mortgages
View All →Loan Calculator
Monthly payment and amortization schedule.
Mortgage Affordability
How much home can you afford?
Refinance Calculator
Calculate refinance savings, break-even point, and compare options.
Car Loan Calculator
Calculate auto loan payments, total interest, and compare loan options.
Bi-Weekly Mortgage Calculator
Calculate savings from bi-weekly payments and see payoff time reduction.
APR Calculator
Calculate the true cost of borrowing and compare APR vs. interest rate.
Retirement & Investment
View All →Retirement Savings Calculator
Project 401(k), IRA, and Roth IRA growth and plan retirement age.
401(k) Contribution Calculator
Calculate retirement savings, employer match, and tax savings.
Investment Return Calculator
Calculate ROI, annualized returns, and investment performance.
Savings & Budgeting
View All →Compound Interest
Growth with contributions and compounding.
Savings Goal Planner
Monthly target and time-to-goal.
Emergency Fund Calculator
Calculate how much to save for emergencies and plan your safety net.
Budget Planner
50/30/20 and custom category planning.
Expense Ratio Calculator
Analyze monthly expenses and calculate expense-to-income ratio.
Business & Freelance
View All →Freelance Income Calculator
Calculate taxes, quarterly payments, and after-tax income for self-employed.
Hourly to Salary Converter
Convert hourly wage to annual salary and calculate total compensation.
Business Expense Deduction Calculator
Calculate home office, vehicle, and business expense deductions.
Advanced Planning
View All →Net Worth Calculator
Calculate assets vs. liabilities and assess your financial health.
Inflation Calculator
Calculate purchasing power over time and see how inflation affects your money.
Currency Converter
Convert between currencies with exchange rates and travel budget calculator.
Tip Calculator
Calculate restaurant tips, split bills, and service charges.
Income Tax Calculator
Estimate taxes with simple assumptions.
HSA Contribution Calculator
Calculate HSA contributions, tax savings, and optimize for maximum benefits.