Financial Calculators
Free financial calculators for loans, investing, taxes, and everyday money.
Reviewed & updated:Our financial calculators help you make confident money decisions in seconds. Estimate monthly loan and mortgage payments, project the future value of an investment portfolio, plan a realistic retirement number, compare take-home salary across pay frequencies, and adjust historical dollars for inflation — all with transparent formulas, sliders, and interactive charts. Every tool is free, works on mobile, and shows the math it used so you can double-check the result.
Loans & mortgages
Estimate payments, total interest, and payoff schedules for home, auto, and personal loans.
- FinancialMortgage
Estimate your monthly mortgage payment, total interest paid, and full amortization schedule from home price, down payment, interest rate, and loan term.
Live toolOpen → - FinancialLoan
Calculate monthly payments, total interest, and payoff schedule for personal, student, auto, or business loans from principal, APR, and term length.
Live toolOpen → - FinancialAuto Loan
Estimate monthly car payments and total loan cost from vehicle price, down payment, trade-in value, sales tax, APR, and financing term in months.
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Investing & retirement
Project long-term growth from contributions, compounding, and expected returns.
- FinancialCompound Interest
See how savings grow over time with compound interest from a starting balance, monthly contributions, interest rate, compounding frequency, and time horizon.
Live toolOpen → - FinancialInvestment
Project the future value of a portfolio from an initial investment, monthly or annual contributions, expected annual return, and investment time horizon.
Live toolOpen → - FinancialRetirement
Estimate how much you must save each month to retire comfortably based on current age, retirement age, current savings, income, and expected return rate.
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Income & taxes
Convert pay between hourly, monthly, and annual, estimate federal tax, and compare purchasing power over time.
- FinancialSalary
Convert pay between hourly, daily, weekly, biweekly, monthly, and annual salary from a base wage and standard hours worked per week for quick comparisons.
Live toolOpen → - FinancialIncome Tax
Estimate US federal income tax and take-home pay from gross income, filing status, and standard deduction using current tax brackets for the 2024 tax year.
Live toolOpen → - FinancialInflation
Adjust historical or future dollar amounts for inflation using CPI-style rates to compare purchasing power across any two years or decades side by side.
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Everyday money
Quick calculators for day-to-day bills, gratuity, and splitting the check.
Frequently asked questions
Quick answers about picking and using financial calculators.
- What is the best free financial calculator?
- It depends on the decision. For home buying, use the mortgage calculator to see monthly principal-and-interest plus total interest across the loan term. For saving, use the compound interest calculator to project growth from a starting balance plus recurring contributions. For retirement planning, the retirement calculator solves for the monthly savings required to hit a target nest egg.
- Are these financial calculators accurate?
- The math is exact for the formula shown next to each tool — standard amortization for loans, compound-growth formulas for investing, and the current U.S. federal brackets for income tax. Results are estimates, not tax or investment advice: real-world outcomes depend on fees, taxes, market returns, and personal circumstances the tools do not know about.
- Do you store the numbers I enter?
- No. All calculators run entirely in your browser. Inputs never leave your device, so it is safe to plug in salary, savings, or loan balances. Sharing a result URL is opt-in — the numbers are encoded in the link only when you copy it.
- Which calculator should I use for retirement planning?
- Start with the retirement calculator to size your target and monthly savings, then use the compound interest calculator to stress-test different return assumptions, and the inflation calculator to convert your target into today's dollars so the number feels concrete.
- How do I compare loan offers fairly?
- Compare APR, not just the interest rate — APR bakes in most fees. Use the loan or auto-loan calculator to hold the loan amount and term constant while varying APR, then look at total interest paid over the life of the loan, not just the monthly payment.
- Do the tax calculators include state tax?
- No. The income tax calculator estimates U.S. federal income tax using current brackets and the standard deduction. State income tax, FICA (Social Security and Medicare), and local taxes are excluded and must be added separately.
Related topic hubs
Goal-oriented bundles that pull financial tools together with tools from other categories.