Free financial calculators
No signup required. Each calculator is a free-standing estimate, not financial advice.
Everyday
Compound Interest Calculator
See how a lump sum or recurring contribution grows over time with compounding — a free, no-signup calculator.Debt Payoff Calculator
Compare avalanche vs. snowball payoff order across your debts and see the payoff date for each — free, no signup required.Emergency Fund Calculator
Size an emergency fund from your real expense history instead of a generic multiple of income.Take-Home Pay Calculator
Estimate your net paycheck from gross wage, hours, tax rate, and retirement contributions — free, no signup required.Loan Amortization Calculator
See the full month-by-month payment, interest, and balance schedule for a fixed-rate loan.Refinance Break-Even Calculator
Find out how many months it takes for a refinance’s lower payment to pay back its closing costs.Rent vs. Buy Calculator
Compare the total cost of renting against buying a home over a fixed time horizon.Savings Rate Calculator
See what share of your take-home pay you’re actually saving each month.Mortgage Affordability Calculator
Estimate the home price you can afford under the conventional 28%/36% income guidelines.FIRE Number Calculator
Estimate the portfolio size a 4%-style withdrawal rate can sustain, and how long it takes to get there.
Vehicles
Lease vs. Buy Calculator
Compare leasing a vehicle against buying it with a loan over the same months, counting the resale value a lease never builds.Vehicle Total Cost of Ownership Calculator
Add up depreciation, fuel, insurance, maintenance, and financing to see what a vehicle really costs per year and per mile.
Investing
Dollar-Cost Averaging vs. Lump Sum Calculator
Compare investing a windfall all at once against spreading it over months at an assumed rate of return.CD Ladder Calculator
Split a deposit across staggered CD terms and see each rung’s maturity value and the ladder’s blended rate.Bond Yield Calculator
Find a bond’s current yield and yield to maturity from its face value, price, coupon, and remaining term.Inflation-Adjusted Return Calculator
Restate an investment projection in today’s purchasing power and see the real return after inflation.
Retirement & tax
Coast FIRE Calculator
Find the amount that, left untouched, compounds into your full FIRE number by your target retirement age.Roth vs. Traditional Calculator
Compare the after-tax retirement value of the same pre-tax dollar in a Roth versus a traditional account.401(k) Match Calculator
See what your employer match is worth and how much of it you forfeit by contributing below the limit.HSA Triple Tax Advantage Calculator
Price all three tax breaks an HSA carries against the ordinary taxable account it displaces.Tax Bracket Calculator
See how US federal income tax stacks bracket by bracket, and the difference between your marginal and effective rates.529 College Savings Calculator
Check whether a college fund is on track once tuition inflation and investment growth are both accounted for.RSU Value Calculator
Project what a restricted stock unit grant is worth as each tranche vests, before and after tax withholding.ISO AMT Calculator
Estimate the alternative minimum tax an incentive stock option exercise can trigger, and how many shares stay under it.