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Financial Calculators

Free Financial Calculators

25+ free financial calculators for mortgage payments, loan amortization, compound interest, salary conversion, retirement planning, income tax estimation, investment returns, and debt payoff. No sign-up. No ads. Updated for 2026.

25+ Free Calculators Updated for 2026 Tax Year No Sign-Up Required Mobile Friendly
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🏠 Mortgage Calculator Hot 💳 Loan Calculator Hot 💰 Salary Calculator → 📈 Compound Interest → 🏖️ Retirement Calculator → 🧾 Tax Calculator → 🚗 Auto Loan Calculator → 📊 Investment Calculator →

The tools millions of Americans use every month

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🔥 Most Popular Free

Mortgage Calculator

Calculate your monthly mortgage payment including principal, interest, property taxes, and homeowners insurance (PITI). See a full amortization schedule, total interest paid, and payoff date. Works for 30-year, 15-year, and custom loan terms.

Monthly payment Amortization schedule Total interest cost PMI estimate Refinance comparison
how much house can I afford 30 year mortgage calculator mortgage payment calculator with taxes refinance calculator
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Loan Calculator

Calculate monthly payments, total interest, and payoff timeline for any type of loan — personal, student, or consolidation.

Monthly payment Total interest Payoff date
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Auto Loan Calculator

Find your exact monthly car payment based on vehicle price, down payment, trade-in value, interest rate, and loan term.

Monthly payment Total car cost Trade-in value
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Compound Interest Calculator

See how your investments grow over time with the power of compound interest. Supports monthly, quarterly, and annual compounding. Add regular contributions to model a savings or investment account, 401(k), or IRA growth.

Investment growth Savings projections Retirement modeling 401(k) / IRA CD / HYSA
how does compound interest work investment growth calculator rule of 72 calculator savings interest calculator
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Salary Calculator

Convert your salary between hourly, daily, weekly, biweekly, monthly, and annual. Includes overtime and take-home pay estimates.

Hourly to annual Take-home pay Overtime
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2026

Income Tax Calculator

Estimate your 2026 federal and state income taxes. Covers all filing statuses: single, married filing jointly, head of household.

Federal tax estimate Effective tax rate After-tax income
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Retirement Calculator

Plan your retirement with a complete projection based on your current age, savings, annual contributions, expected return, and Social Security estimate. Find out if you're on track and how much you need to retire comfortably.

Retirement savings target Monthly income in retirement 401(k) projection Social Security estimate Inflation adjustment
how much do I need to retire retirement savings by age 4% rule calculator when can I retire calculator
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Investment Calculator

Model investment returns with lump sums or regular contributions. Compare different return rates side by side.

ROI calculation Stock market returns Portfolio growth
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Debt Payoff Calculator

Compare debt avalanche vs. debt snowball strategies. See exactly when you'll be debt-free and how much interest you'll save.

Avalanche method Snowball method Payoff date
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25+
Financial Tools
2026
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All Financial Calculators

Browse the complete list of free financial tools

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Mortgage Calculator
Monthly payment, amortization schedule, total interest
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Refinance Calculator
Is refinancing worth it? Break-even point, monthly savings
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Loan Calculator
Personal, student, consolidation loans
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Auto Loan Calculator
Car payment, total cost, trade-in value
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Compound Interest Calculator
Investment growth, savings with contributions
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Simple Interest Calculator
Interest earned or owed on a principal amount
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Salary Calculator
Hourly, weekly, monthly, annual conversion
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Paycheck Calculator
Take-home pay after federal, state, FICA taxes
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Income Tax Calculator
2026 federal & state tax estimate, effective rate
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Capital Gains Tax Calculator
Short & long-term capital gains tax estimate
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Retirement Calculator
Savings target, monthly income, Social Security
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401(k) Calculator
Contribution growth, employer match, tax savings
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Investment Calculator
ROI, portfolio growth, lump sum or monthly contributions
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Savings Calculator
Goal-based savings, HYSA interest, future value
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Debt Payoff Calculator
Avalanche vs snowball, payoff date, interest saved
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Credit Card Payoff Calculator
Time to pay off balance, minimum payment impact
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Budget Calculator
50/30/20 budget, monthly spending breakdown
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Net Worth Calculator
Assets minus liabilities, your financial snapshot
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Amortization Calculator
Full payment schedule, principal vs interest breakdown
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HELOC Calculator
Home equity line payment, available credit
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Student Loan Calculator
Repayment schedule, IBR, refinance savings
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Personal Loan Calculator
Monthly payment, APR comparison, total cost
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APR Calculator
True annual cost including fees, APR vs interest rate
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Home Affordability Calculator
How much house can I afford? DTI, income-based
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Roth IRA Calculator
Tax-free growth projection, contribution limits
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Emergency Fund Calculator
How much to save, months of expenses covered

Loan Type Comparison

Key differences between the most common loan types in the US

Loan Type Typical APR (2026) Term Avg. Amount Best For Calculator
Mortgage (30-yr fixed) 6.5 – 7.2% 15–30 years $300K–$500K Home purchase or refinance Mortgage Calculator →
Auto Loan (new car) 5.8 – 7.4% 36–72 months $30K–$45K Vehicle purchase Auto Loan Calculator →
Personal Loan 10 – 20% 2–7 years $5K–$30K Debt consolidation, expenses Personal Loan Calculator →
Student Loan (federal) 5.5 – 8.1% 10–25 years $20K–$50K Higher education costs Student Loan Calculator →
Credit Card 20 – 28% Revolving $5K–$15K balance Short-term, pay in full monthly Payoff Calculator →
HELOC 7.5 – 9.5% 10-yr draw / 20-yr repay $50K–$150K Home improvement, large expenses HELOC Calculator →

Whether you're buying your first home, planning for retirement, paying off debt, or comparing loan options — our free financial calculators cover every scenario. Use the links below to find exactly what you need.

Home & Mortgage

How much is my mortgage payment? How much house can I afford? Should I refinance my mortgage? Mortgage amortization schedule HELOC payment calculator Mortgage calculator with PMI Mortgage with taxes and insurance

Loans & Debt

Car loan monthly payment calculator Student loan repayment calculator Personal loan payment calculator How long to pay off credit card? Debt avalanche vs snowball calculator APR vs interest rate calculator Loan payoff calculator with extra payments

Savings & Retirement

How much do I need to retire? 401(k) contribution calculator 2026 Roth IRA vs Traditional IRA calculator How does compound interest work? High yield savings account calculator Stock market investment calculator Emergency fund calculator

Financial Calculator FAQs

Expert answers to the most common financial questions

How do I calculate my monthly mortgage payment?
Use the formula M = P[r(1+r)ⁿ]/[(1+r)ⁿ–1]. For a $320,000 loan at 6.5% for 30 years: monthly rate r = 0.065/12 ≈ 0.00542, n = 360 payments. Result: ~$2,023/month (principal + interest only). Add taxes and insurance for full PITI. Use our mortgage calculator for instant results.
What is compound interest and how is it calculated?
Compound interest earns interest on both principal and prior interest. Formula: A = P(1 + r/n)^(nt). Example: $10,000 at 7% annually for 20 years = $38,697. The more frequent the compounding (daily > monthly > annual), the more you earn. Try our compound interest calculator.
How much should I save for retirement?
Fidelity recommends saving 10–15% of your income and having: 1× salary by 30, 3× by 40, 6× by 50, 8× by 60, 10× by 67. The 4% rule suggests your nest egg should be 25× your expected annual retirement spending. Model your exact situation with our retirement calculator.
How do I calculate how much car loan I can afford?
Follow the 20/4/10 rule: 20% down payment, finance for ≤4 years, total vehicle costs ≤10% of gross monthly income. On a $70K annual salary that's ~$583/month maximum. Our auto loan calculator shows your exact payment based on any price, rate, and term.
What is a good debt-to-income (DTI) ratio?
DTI = total monthly debt payments ÷ gross monthly income × 100. Lenders prefer under 36%. For mortgage qualification, most allow up to 43%, some up to 50% with compensating factors. Under 20% is excellent. Check your DTI with our home affordability calculator.
How much federal income tax will I owe in 2026?
The 2026 federal brackets are 10%, 12%, 22%, 24%, 32%, 35%, and 37% — each rate applies only to income within that bracket. A single filer earning $80,000 has an effective rate of ~16%, not 22%. Use our income tax calculator for your exact estimate by filing status.
What's the difference between APR and interest rate?
The interest rate is the base cost of borrowing principal. APR (Annual Percentage Rate) includes the interest rate plus all fees (origination, points, broker fees) expressed as an annual rate. APR is always ≥ interest rate and is the better comparison tool when shopping for loans. Use our APR calculator to compare offers.
Debt avalanche vs debt snowball — which is better?
Avalanche (pay highest interest first): mathematically optimal — saves the most money in interest. Snowball (pay smallest balance first): psychologically motivating — faster early wins. Studies show snowball has better completion rates, though avalanche saves more money. Our debt payoff calculator lets you compare both side by side.

How We Build Our Financial Calculators

Every financial calculator on this site uses formulas verified against official sources — IRS tax tables, Federal Reserve data, Consumer Financial Protection Bureau (CFPB) guidelines, and standard actuarial methods. We update our calculators annually for new tax brackets, contribution limits, and rate changes.

Our mortgage calculator uses the standard amortization formula and supports PITI (principal, interest, taxes, insurance) and PMI estimates. Our income tax calculator uses the IRS 2026 tax brackets and standard deduction amounts for all filing statuses.

For retirement planning, we use the widely-accepted 4% safe withdrawal rate as a default while allowing you to customize your expected return, inflation rate, and Social Security benefit. For compound interest calculations, we support daily, monthly, quarterly, semi-annual, and annual compounding frequencies.

Disclaimer: These calculators are for educational and estimation purposes only. For personalized financial advice, consult a licensed financial advisor, CPA, or mortgage professional.