Calculate loans, mortgage payments, investment returns, taxes, and more. All finance calculators are free, accurate, and work instantly in your browser.
Money decisions come with numbers attached, and those numbers are usually amortizing, compounding, or taxed — three things human intuition handles badly. This collection of over thirty free finance calculators exists so you can replace gut feel with arithmetic before you sign anything: a mortgage, a car loan, a refinance, a retirement plan, a quarterly tax payment. Every calculator runs instantly in your browser, free and without an account, and each one shows its work — payment schedules, interest totals, break-even points — so you can see where the number came from, not just what it is.
The directory is organized into four working groups. Loans & credit covers borrowing of every flavor — conventional, FHA, VA, refinance, HELOC, credit cards. Income & salary handles paychecks, taxes, and retirement readiness. Business & real estate prices investments, rent, property tax, and net worth. Investment tools project compounding and returns over time.
The table below maps the collection's core tools to their key inputs and outputs, so you can find the right calculator by what you already know. Details come straight from each tool's own description.
| Calculator | Key inputs | Output |
|---|---|---|
| Mortgage Calculator | Loan amount, rate, term | Monthly payment, interest, amortization schedule |
| Auto Loan Calculator | Vehicle price, down payment, rate, term | Car loan monthly payment |
| Credit Card Payoff | Balance, APR, monthly payment | Debt-free date and total interest |
| Loan Calculator | Principal, rate, term | General loan payment |
| DTI Calculator | Monthly debts, gross income | Debt-to-income ratio |
| Refinance Break-Even | Refi costs, payment savings | Months to recoup refinance costs |
| PMI Calculator | Down payment, loan details | Mortgage insurance cost & removal |
| FHA Loan Calculator | Price, down payment, rate | Payment with UFMIP & MIP included |
| VA Loan Calculator | Price, down payment, rate | Payment with funding fee |
| HELOC Payment | Credit line, rate | Draw & repayment phase payments |
| Closing Cost Calculator | Home price, state | Estimated closing costs by state |
| Salary Calculator | Annual salary, hours | Annual-to-hourly conversion |
| Overtime Calculator | Hourly rate, OT hours | Time-and-a-half pay |
| Income Tax | Income, filing status, state | Federal and state tax estimate |
| Capital Gains Tax | Income, long/short-term gains, state rate | Federal LT/ST tax, NIIT, effective rate |
| Car Affordability | Payment budget, APR, term, down, tax, fees | Maximum sticker price you can afford |
| Auto Refinance | Balance, current APR, months left, offer | Monthly & total savings, fee break-even |
| Retirement Calculator | Savings, contributions, age | Projection: will you have enough? |
| Social Security | Earnings history, age | Estimated SS benefits |
| VA Disability Pay | Ratings, dependents | 2026 monthly compensation |
| Self-Employment Tax | Net self-employment income | 15.3% SE tax plus deductible half |
| Quarterly Tax | Annual income estimate | 4 payment deadlines & safe harbor |
| Roth Conversion | Amount, bracket, year | Bracket-ladder tax plan |
| Student Loan Interest Deduction | Interest paid, MAGI, filing status | Deduction after the $2,500 cap and phase-out |
| Car Donation Tax Deduction | FMV, sale proceeds, itemizables | 1098-C deduction, savings, sell-vs-donate |
| Compound Interest | Principal, rate, years | Investment growth over time |
| ROI Calculator | Cost and return | Return on investment |
| Net Worth | Assets and liabilities | Net worth (assets minus liabilities) |
| Sales Tax | Price, state | State-by-state sales tax result |
The borrowing group starts with the classic: the Mortgage Calculator turns loan amount, rate, and term into a monthly payment with a full amortization schedule, so you can see exactly how much of payment one goes to interest versus payment two hundred. Around it sit the specialty variants that answer the questions the generic tool can't. The FHA Loan Calculator adds the upfront mortgage insurance premium (UFMIP) and annual MIP that FHA borrowers pay; the VA Loan Calculator folds in the VA funding fee; the PMI Calculator prices conventional mortgage insurance and shows when it can be removed; and the Closing Cost Calculator estimates purchase costs state by state.
Two decision tools deserve special mention. The Refinance Break-Even Calculator divides refinancing costs by monthly savings to find how many months until the refinance pays for itself — the number that decides whether a refi makes sense at all. The Credit Card Payoff Calculator simulates month-by-month payoff given your balance, APR, and payment, turning an open-ended debt into a concrete debt-free date. The DTI Calculator computes the debt-to-income ratio lenders scrutinize before any of this, so you know where you stand before you apply.
The income group converts between the ways pay is quoted. The Salary Calculator and Hourly to Salary Calculator translate between annual and hourly figures in both directions — essential when comparing a contract rate to a salaried offer. The Overtime Calculator applies time-and-a-half math to extra hours, and the Payroll Calculator estimates take-home pay with taxes and deductions.
The tax tools serve the employed and self-employed alike. The Income Tax Calculator estimates federal and state liability; the Self-Employment Tax Calculator applies the 15.3% SE tax and identifies the deductible half; and the Quarterly Tax Calculator lays out the four estimated-payment deadlines with safe-harbor guidance. On the retirement side, the Retirement Calculator projects whether your savings trajectory will fund your goal, the Social Security Calculator estimates benefits, and the Roth Conversion Calculator plans conversions across the 2026 bracket ladder. The HSA and FSA tools track contribution limits and spend-by deadlines for the tax-advantaged accounts.
The final group zooms out. The Compound Interest Calculator shows growth over time — the engine behind every long-term projection on this page. The ROI Calculator measures return on any investment against its cost. The Rent Calculator checks how much rent your income supports, the Property Tax Calculator estimates annual property tax, and the Net Worth Calculator totals assets minus liabilities for the single number that summarizes a household's position. The Savings Calculator projects progress toward a goal, while the Sales Tax, Tip, and Discount calculators handle the day-to-day money math.
Every calculator here computes in your browser — no account, no fees, nothing stored. The inputs you'd rather keep private (income, debt, balances) never leave your machine. Start with the number you know: a payment you can't quite afford, a payoff date you want to see, a retirement you want to confirm. There is a calculator on this page built for it.