Finance calculators

Free finance calculators for budgets, mortgages, loans and more

Run real-money decisions directly in your browser, from building a monthly budget and estimating mortgage payments to comparing debt payoff strategies, projecting compound growth and checking VAT or crypto profit. Every calculator runs on your device without sending financial data to a server. Instant results, completely free, no account required.

Mortgage Calculator Estimate true monthly mortgage payments with taxes, insurance, PMI, HOA, extra payments and CSV schedules. Retirement Calculator Project your nest egg, check if you're on track, and model how long your savings will last with the 4% rule. Loan Calculator Calculate monthly payments, total interest and full amortization schedule for any loan. See how extra payments cut your interest. Debt Payoff Calculator Compare snowball vs avalanche payoff plans with debt-free dates, interest savings and CSV schedules. ROI Calculator Calculate simple ROI, annualized CAGR, inflation-adjusted real return and after-tax ROI for any investment. Invoice Factoring Calculator Estimate factoring costs, cash advance, reserve release and effective APR for unpaid invoices. Compound Interest Calculator See how compound interest grows your investments over time. Includes charts and yearly breakdowns. Budget Calculator Plan a monthly budget with 50/30/20 rules, custom allocations, savings rate and category gap analysis. VAT & Sales Tax Calculator Calculate VAT, GST, and sales tax for any country. Add or remove tax from any amount instantly. Crypto Calculator Calculate a token's price from any market cap and supply. Track profits, losses and ROI on your crypto trades. Percentage Calculator Calculate increases, decreases, discounts, percentage difference, and reverse percentages instantly. Crypto DCA Calculator Reality-check crypto price targets against major benchmarks. Optimize DCA average buy price and recovery strategy. EV vs Gas Car Calculator Calculate when an electric car pays off vs gas. Break-even year, fuel savings and TCO comparison over time.

Financial calculations for everyday decisions

Finance questions come up at specific moments, when reviewing a mortgage offer, comparing loan rates, running out of month before running out of money, or tracking where an investment stands. Quick, accurate calculations prevent costly mistakes and make it easier to plan with confidence.

Home loans and borrowing

Calculating a true mortgage payment goes beyond multiplying principal by an interest rate. Property tax, homeowners insurance, private mortgage insurance and HOA fees can add hundreds to the monthly amount. Seeing the full picture, including how extra payments reduce total interest over time, makes it easier to compare offers and plan for the real cost of homeownership or any fixed-rate loan.

Debt payoff and working capital

Two common debt payoff strategies, targeting the smallest balance first (snowball) or the highest interest rate first (avalanche), produce different timelines and total interest costs. Running both scenarios side by side shows the fastest and cheapest path to becoming debt-free. For businesses, understanding the true annual cost of invoice factoring helps evaluate whether early cash is worth the fee.

Budgeting, tax and investment tracking

A monthly budget is most useful when it compares actual spending against a target allocation, not just totals. Investment return looks different depending on whether you measure it simply, annualized, adjusted for inflation or net of tax. VAT and sales tax rules vary by jurisdiction and whether you're adding tax to a price or extracting it from a total. These distinctions matter when making real financial decisions.

Financial inputs never leave your device

Every calculation runs directly in your browser. Income figures, loan amounts, debt balances and investment values are processed on your device and never transmitted to any server. Session data is erased automatically when you close the tab.