15 free financial calculators to help you make smarter money decisions — from loan payments and investment projections to debt payoff schedules and retirement planning. No sign-up. No fees. Always free.
Calculate monthly payments, total interest, and amortization schedules for any fixed-rate loan or mortgage.
Measure return on investment as a percentage or annualized rate. Essential for business and investing decisions.
See how your savings grow over time with compound interest and regular monthly contributions.
Project future value of lump-sum investments with compound interest — the most powerful wealth-building tool.
Estimate your retirement balance with employer match, compound growth, and year-by-year projections.
Plan how much you need to save monthly to reach your retirement goal by your target date.
Estimate take-home pay after federal taxes, Social Security, Medicare, and pre-tax deductions.
See exactly how long it takes to pay off any debt and how much interest you'll pay at different payment levels.
Calculate purchasing power changes over time and compare the real cost of goods across different years.
Find the final price after a discount, the original price before a sale, or the discount percentage.
Estimate project costs and client pricing based on hourly rates, margins, and time estimates.
Calculate your ideal emergency fund target — 3 to 12 months of expenses — and track your progress.
Calculate interest earned or owed using the simple interest formula: I = P × R × T.
Add up your assets and liabilities to calculate your total net worth and track financial progress.
Calculate selling price, gross profit, markup percentage, and gross margin for products or services.
Financial calculators are essential tools for making informed money decisions. Before taking out a loan, you should know your exact monthly payment and total interest cost. Before investing, you should understand how compound interest grows your wealth over time.
Our calculators use industry-standard formulas from the same methodologies used by financial institutions, the IRS, and certified financial planners. Every calculator shows the formula used and worked examples so you understand the math behind the results.
Unlike many online calculators, ours are completely free with no sign-up, no ads blocking results, and no upselling financial products. We believe financial literacy is a right, not a premium subscription.
Every calculator is built and checked by Henry, the site's founder, against published formulas and worked examples. We update tax rates and financial parameters annually to reflect current rules and market conditions.