Free Financial Calculators — Plan Loans, Mortgages & Savings
Mortgage & Real Estate Calculators
Calculate home loan payments, affordability, refinancing options, and property investment returns.
Mortgage Calculator
Calculate monthly mortgage payment including principal, interest, taxes, insurance (PITI), and HOA.
House Affordability Calculator
Discover how much house you can afford based on your income, monthly debts, and down payment.
Rent vs. Buy Calculator
Determine whether renting or buying builds greater long-term net wealth over your time horizon.
Refinance Calculator
Calculate monthly savings and exact break-even timeline for refinancing your existing mortgage.
Rental Property Calculator
Analyze real estate investment cash flow, Cap Rate, Net Operating Income (NOI), and Cash-on-Cash return.
FHA Loan Calculator
Calculate FHA mortgage payments with 3.5% down and upfront/annual Mortgage Insurance Premiums (MIP).
VA Mortgage Calculator
Calculate VA loan payments with 0% down payment and no monthly mortgage insurance (PMI).
HELOC Calculator
Calculate Home Equity Line of Credit draw period payments and repayment schedules.
Mortgage Payoff Calculator
See how extra monthly, annual, or lump-sum payments shave years off your mortgage and save thousands.
Amortization Calculator
Full monthly and annual loan amortization schedules with downloadable CSV reports.
Down Payment Calculator
Calculate target down payment amounts, PMI elimination milestones, and savings timelines.
Canadian Mortgage Calculator
Calculate Canadian mortgage payments with semi-annual compounding and CMHC insurance rules.
UK Mortgage Calculator
Calculate UK mortgage payments, LTV ratios, and Stamp Duty Land Tax (SDLT).
Loans & Debt Payoff Calculators
Plan repayment strategies, compare consolidation options, and eliminate debt efficiently.
Loan Calculator
Calculate monthly payments, interest cost, and amortization for any installment loan.
Auto Loan Calculator
Calculate monthly car payments factoring in vehicle price, trade-in equity, sales tax, and dealer fees.
Credit Card Payoff Calculator
Calculate how long to pay off credit card balances and discover massive interest savings over minimums.
Debt Consolidation Calculator
Compare multiple high-interest debts against a single low-interest consolidation loan.
Student Loan Calculator
Calculate student loan repayments under standard, extended, and accelerated payoff plans.
Debt-to-Income (DTI) Calculator
Calculate your Front-End and Back-End Debt-to-Income ratios for mortgage and loan eligibility.
Auto Lease Calculator
Calculate monthly vehicle lease payments based on MSRP, negotiated selling price, and money factor.
Boat & RV Loan Calculator
Calculate marine and RV installment loan payments up to 15-20 year terms.
Retirement & Investing Calculators
Project investment growth, plan retirement income, and optimize tax-advantaged accounts.
Compound Interest Calculator
Project future investment growth with recurring deposits, compounding frequencies, and inflation adjustments.
Retirement & 401(k) Calculator
Plan your retirement nest egg, employer match compounding, and safe 4% rule withdrawal income.
Roth IRA vs. Traditional IRA Calculator
Compare after-tax retirement wealth between a tax-free Roth IRA and a pre-tax Traditional IRA.
Social Security Calculator
Estimate your monthly Social Security retirement checks at ages 62, 67 (FRA), and 70.
Annuity & Annuity Payout Calculator
Calculate future annuity balances or fixed guaranteed monthly retirement payouts.
RMD (Required Minimum Distribution) Calculator
Calculate mandatory IRS Required Minimum Distributions starting at age 73.
Mutual Fund & ETF Fee Drag Calculator
Calculate how high management expense ratios (1.0%+) eat into your lifetime portfolio returns.
Taxes & Paycheck Calculators
Estimate tax liability, take-home pay, and understand how taxes impact your finances.
Income Tax Calculator
Estimate your Federal, State, and FICA payroll taxes with marginal bracket breakdowns.
Salary & Take-Home Paycheck Calculator
Calculate exact weekly, bi-weekly, semi-monthly, and monthly net paycheck amounts.
Marriage Tax Calculator (Bonus / Penalty)
Discover if getting married results in a tax bonus or penalty for dual vs single earners.
Sales Tax & VAT Calculator
Add sales tax to pre-tax prices or extract embedded VAT / GST from gross receipts.
Estate Tax Calculator
Calculate federal estate tax liability and exemption thresholds for high-net-worth wealth transfers.
Banking & Budgeting Calculators
Manage everyday finances, track savings goals, and measure purchasing power over time.
50/30/20 Budget Calculator
Organize your net take-home salary into Needs (50%), Wants (30%), and Wealth Savings (20%).
CD (Certificate of Deposit) Calculator
Calculate guaranteed earnings and APY interest on bank certificates of deposit.
Inflation Calculator
Calculate the loss of purchasing power on uninvested cash and future equivalent costs.
Savings Goal Calculator
Project future university tuition inflation and required monthly 529 plan savings.
Simple Interest Calculator
Calculate linear simple interest (I = P * r * t) and compare with compound growth.
APR vs. APY Interest Rate Converter
Convert nominal APR to effective Annual Percentage Yield (APY) based on compounding.
Business & Valuation Calculators
Analyze profitability, asset value, and sales performance for business decision-making.
ROI (Return on Investment) Calculator
Calculate total ROI, annualized CAGR, and capital payback periods on investments.
Margin & Markup Calculator
Calculate Gross Profit Margin, Markup percentage, and price points from COGS.
Depreciation Calculator (Straight-Line & MACRS)
Calculate annual asset depreciation expense and book value schedules.
Commission Calculator
Calculate sales rep and real estate agent commission earnings based on tiered rates.
Discount & Percent Off Calculator
Calculate sale prices, dollar savings, and stacked double discounts.
Time Value of Money Calculators
Analyze profitability, asset value, and sales performance for business decision-making.
Present Value & Future Value (TVM) Calculator
Calculate the Time Value of Money (PV, FV, Discount Rate, and Compounding).
How to Use Our Financial Calculators
- Pick your calculator. Start with the one closest to your question — mortgage, loan, auto, retirement, and so on.
- Enter your numbers. Home price or loan amount, interest rate, loan term, and any extras like taxes, insurance, or a trade-in value.
- Calculate. Results appear instantly, with a clear monthly payment figure and a breakdown of where the money goes.
- Adjust and compare. Change one number — say, a 15-year term instead of 30, or an extra $100 a month in savings — and recalculate to see the difference.
Financial Calculator FAQs
Are these financial calculators really free?
Yes — every calculator is 100% free, with unlimited use and no sign-up required.
How accurate is the mortgage calculator?
It uses the standard amortization formula and gives results accurate to the cent, based on the numbers you enter. Your lender may add PMI, taxes, or HOA fees.
Do the calculators work on mobile?
Absolutely. All tools are fully responsive and work on phones, tablets, and desktops.
What's the difference between APR and APY?
APR is the simple annual interest rate, while APY accounts for compound interest — so APY is usually slightly higher.