Free Financial Calculators for Smarter Money Decisions
Explore compound interest, FIRE, debt, real estate, freelancing, and e-commerce with live charts and shareable results. Each calculator is an educational model: change the inputs and the chart updates in your browser, without sending those numbers to us to be calculated. Start with a category below, or open the full list when you already know the question.
Popular calculators
View all calculators →Investing & markets
Fed funds is 3.88% as of Oct 15, 2026. It is the US policy rate, not a savings yield. Use it as a starting return
Compound Interest Calculator
Project wealth growth with monthly contributions and interactive charts.
Savings Goal Calculator
See if monthly deposits reach a target, and what it takes to get there.
Emergency Fund Calculator
Size a cash reserve from essential spending and months of cover.
Inflation and Real Return
Turn a nominal balance into purchasing power with an inflation rate you type.
Roth vs Taxable Calculator
Compare tax-advantaged growth versus a taxable brokerage.
Financial independence
Debt payoff
Credit Card Payoff Calculator
Compare a fixed minimum with the payment you will actually send on one card.
Debt Snowball vs Avalanche Calculator
Compare debt payoff strategies side by side and see which saves more interest.
Student Loan Payoff Calculator
See how an extra payment changes the payoff date and the interest on a fixed-rate student loan.
Real estate & mortgages
Mortgage Payment Calculator
Principal and interest, with optional taxes, insurance, and PMI.
Mortgage Amortization Schedule
Month-by-month principal, interest, and remaining balance.
Mortgage Payoff Calculator
See how extra payments reduce interest and shorten your loan term.
Mortgage Refinance Calculator
Break-even on closing costs versus the loan you still owe.
HELOC Calculator
The payment jump when the interest-only period ends, and the line left after the first mortgage.
PMI Removal Calculator
The month you can ask, at 80% of the original value, and the automatic month at 78% on the original schedule.
Rent vs Buy Calculator
Compare the net cost of renting and buying over the years you might stay.
Home Affordability Calculator
Estimate a home price from income, debts, and a down payment.
Price vs SAC Calculator
Compare Brazil’s Price and SAC amortization systems.
Rental Property ROI Calculator
Cash-on-cash return, cap rate, and multi-year cash flow for rentals.
House Flip Calculator
Estimate flip profit after rehab, holding, and selling costs.
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