Free Financial Calculators
Quick, no-sign-up calculators to plan your money, run the numbers in seconds, right in your browser.
- 40 calculators
- No sign-up
- Your numbers stay in your browser
Retirement
Retirement Calculator
See if you are on track to retire: your savings, an estimate of your Social Security, and your spending, tested against every market period since 1871. Shows what to change if you are short, all in today's dollars.
Open calculator401(k) Calculator
See how big your 401(k) could grow by retirement, including your employer match, the free money many people leave on the table. A fast 401(k) growth estimator.
Open calculatorRoth IRA Calculator
Project your tax-free Roth IRA balance at retirement and see how much of it is pure investment growth. A fast Roth IRA estimator with no sign-up.
Open calculatorSocial Security Claiming Age & Break-Even Calculator
See your Social Security benefit at every age from 62 to 70, the break-even age between any two claiming ages, lifetime totals, and what a spouse and a surviving spouse would get, using SSA's own rounding rules.
Open calculatorRMD Calculator
Work out your required minimum distribution from an IRA, 401(k) or TSP using the IRS Uniform Lifetime Table, see when your first RMD is due under SECURE 2.0, and project the next 10 years.
Open calculatorTSP Calculator
Project your Thrift Savings Plan balance at retirement, including the automatic 1% and the agency matching you earn under FERS or BRS, with a year-by-year breakdown.
Open calculatorFERS Retirement Calculator
Estimate your FERS pension the way OPM computes it: 1% or 1.1% of your High-3, MRA+10 reductions, unused sick leave, survivor benefit cost, special-category rules and the FERS supplement.
Open calculatorMilitary Retirement Calculator
Estimate military retired pay the way DoD computes it: High-3, BRS and REDUX side by side, the 2026 basic pay table built in, Guard and Reserve points, and the BRS lump sum at the official discount rate.
Open calculatorRetirement Withdrawal Calculator
How long will your money last in retirement? Test your savings, yearly spending and stock/bond mix against every year of market history since 1871 and see how often the money lasted.
Open calculatorFIRE Calculator
Find your FIRE number, the years to financial independence, and your Coast FIRE point. Plan early retirement with this free FIRE calculator.
Open calculatorHome & debt
Mortgage Calculator
Calculate your full monthly mortgage payment, principal, interest, property tax, insurance, PMI, and HOA, plus the lifetime interest on your home loan.
Open calculatorHome Affordability Calculator
How much house can you afford? Find the highest home price that fits your income, debts and down payment under the 28/36 rule, FHA and Fannie Mae limits, at today's average mortgage rate, with taxes, insurance and PMI included.
Open calculatorLoan Calculator
Find your monthly loan payment, total interest, and payoff date for any fixed-rate loan, with a full month-by-month amortization schedule and how much extra payments save you.
Open calculatorCar Loan Calculator
Car payment calculator (car loan / auto loan calculator): estimate your monthly car payment with down payment, trade-in, sales tax and fees, and see the total interest the loan really costs.
Open calculatorDebt Payoff Calculator
Compare the debt snowball and avalanche methods, see your payoff dates and how much you save versus paying only the minimums.
Open calculatorSaving & budgeting
Budget Calculator (50/30/20)
Split your monthly take-home pay into needs, wants, and savings with the 50/30/20 rule, or your own split. A simple monthly budget planner.
Open calculatorEmergency Fund Calculator
Find out how many months of expenses your emergency fund needs, where to keep it, and how long it will take to build.
Open calculatorSavings Goal Calculator
See how long it takes to reach a savings goal, or how much to save each month to hit it by a target date.
Open calculatorCD Calculator
See what a certificate of deposit will be worth at maturity, your total interest and true APY, for any term and compounding frequency. Compare CD rates fairly.
Open calculatorNet Worth Calculator
Add up your assets, subtract your debts, and figure out your true net worth, and which way it is trending. Calculate your net worth in seconds.
Open calculatorCost of Living Calculator
Compare the cost of living between any two of 387 US metro areas or 50 states and DC. See the salary you need to keep the same standard of living, with housing, utilities, goods and services compared, using official BEA price data.
Open calculatorPay & taxes
Paycheck Calculator
See your take-home pay per paycheck after federal income tax, Social Security, Medicare, state taxes and deductions, using the 2026 IRS withholding tables and the new 2026 W-4, including the tips and overtime deductions.
Open calculatorSalary to Hourly Calculator
Convert an hourly wage to a yearly salary or a salary to an hourly rate, plus daily, weekly, biweekly, semimonthly and monthly pay. Handles part-time hours, unpaid time off and overtime.
Open calculator1099 Tax Calculator
Estimate the federal tax on 1099 income for 2026: self-employment tax plus the extra income tax, how much of each payment to set aside, and your quarterly estimated payments.
Open calculatorGig Driver Earnings Calculator
What you really keep per hour from Uber, DoorDash, Instacart or any driving gig, after gas, wear on your car and federal taxes. Uses the 2026 IRS mileage rates and AAA's 2026 driving-cost figures.
Open calculatorCapital Gains Tax Calculator
Estimate 2026 federal tax on stock, fund or property gains the way the IRS worksheet does: short- and long-term gains, losses and carryover, qualified dividends, the 3.8% NIIT, and your room left at 0%.
Open calculatorInvesting
Compound Interest Calculator
See how your savings and investments grow with compound interest and regular monthly contributions, plus an inflation toggle for today's dollars.
Open calculatorRule of 72 Calculator
How long does it take to double your money? Compare the rule of 72 with the exact answer for any interest rate or return, see what rate doubles money in a set number of years, and how inflation halves it.
Open calculatorInflation Calculator
See what any dollar amount from 1913 to today is worth in another year, using official BLS Consumer Price Index (CPI-U) data. Total inflation, average annual rate and a year-by-year table.
Open calculatorPortfolio Overlap Checker
Type or paste the ETFs and mutual funds you hold, across every account, and see how much they overlap, which companies you really own, and your stock/bond mix.
Open calculatorMore
Student Loan Calculator
Student loan payment and payoff calculator: monthly payment, payoff date and total interest for one or several loans, with 2026-27 federal rates built in and what extra payments or a lump sum save.
Open calculatorRefinance Calculator
See whether refinancing your mortgage pays off: your new payment, monthly savings, break-even month on closing costs, and what it costs over the life of the loan.
Open calculatorAmortization Calculator
Your monthly payment and full amortization schedule with payment dates for any fixed-rate mortgage or loan: principal and interest in every payment, extra payments, payoff date and a CSV download.
Open calculatorHome Equity Loan Calculator
How much you can borrow against your home, and the monthly payment and total interest for a home equity loan, a HELOC and a cash-out refinance side by side.
Open calculatorHome Sale Proceeds Calculator
How much will you walk away with when you sell your house? Subtract commissions, closing costs, credits and your mortgage payoff, check the $250,000/$500,000 home sale tax exclusion, and see what is left after paying off other debts.
Open calculatorRental Property Calculator
Is this rental worth buying? Enter the price, loan, rent and expenses to see monthly cash flow, cap rate, cash-on-cash return, net operating income and the rent you need to break even.
Open calculatorAirbnb Calculator
Will a short-term rental pay for itself? Enter the nightly price, occupancy, stay length, cleaning fee, platform fee, costs and mortgage to see monthly cash flow, cap rate and the occupancy you need to break even.
Open calculatorCar Affordability Calculator
How much car can you afford? Turn your income or a monthly payment into the highest car price you can finance, with sales tax, fees, trade-in and today's average auto loan rates, and see how the loan term changes the answer.
Open calculatorCommute Cost Calculator
What does your drive to work really cost? Enter your miles, days in the office and your car to see the yearly and monthly cost of gas or charging, maintenance, parking and tolls, plus the hours you spend commuting.
Open calculatorDebt-to-Income Ratio Calculator
Work out your debt-to-income ratio (DTI) and housing ratio, see whether you pass the 28/36 rule, FHA and Fannie Mae limits, and how much debt you would need to cut to get under each one.
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