Run the numbers before you decide.
52 free financial calculators across 8 categories — personal finance, investment, loan and debt, retirement and pension, business, crypto, tax, and everyday utilities. Industry-standard math, 25 currencies, no signup, no spam.
Whether you’re planning a budget, comparing mortgage offers, modeling investment growth, weighing a refinance, planning for retirement, calculating staking yield, or just splitting a dinner bill — the right calculator turns vague intentions into clear numbers. Browse by category below, or jump straight to any of the 52 calculators in the full list further down.
Direct links to every calculator, grouped by category. Each one is free, mobile-friendly, and works across 25 currencies.
💳 Loan & Debt (21)
- Mortgage Calculator — full amortization for 15/20/30-year home loans
- Refinance Calculator — break-even analysis with closing costs
- Borrowing Power Calculator — how much mortgage you can actually qualify for
- Mortgage Insurance Calculator — PMI/LMI/CMHC costs by LTV and country
- Property Transfer Tax Calculator — US transfer tax, UK SDLT, AU stamp duty, CA land transfer
- Deposit Savings Calculator — months to reach your home deposit target
- DTI Ratio Calculator — front-end and back-end debt-to-income ratios
- Home Equity Calculator — equity, LTV, and HELOC borrowing capacity
- Credit Card Payoff Calculator — months to clear at minimum vs custom payments
- Debt Consolidation Calculator — side-by-side payment and interest comparison
- Lump Sum Repayment Calculator — interest and time saved by extra payments
- Balloon Payment Calculator — monthly payment + balloon at end of term
- Interest-Only vs P&I Calculator — payment shock when the IO period ends
- Car Loan vs Cash Calculator — financing premium and break-even vs investing
- Bridging Loan Calculator — short-term property bridge financing cost
- Split Loan Calculator (AU) — fixed + variable split with blended rate
- Offset Account Calculator (AU) — tax-free interest savings via offset balance
- HECS HELP Repayment Calculator (AU) — Australian student loan with indexation
- Loan Calculator — generic amortization for any loan type
- Loan Payment Calculator — quick monthly payment estimate
- Simple Loan Calculator — short-term simple-interest math (not amortizing)
📊 Personal Finance (4)
- Budget Calculator — apply the 50/30/20 framework to monthly net income
- Salary Calculator — convert annual salary to monthly, biweekly, weekly, daily, or hourly
- Savings Goal Calculator — calculate monthly savings needed to hit any target by a deadline
- Inflation Calculator — real value erosion over time, custom CPI rates
📈 Investment (4)
- Compound Interest Calculator — project growth with optional monthly contributions
- DCA Calculator — model dollar-cost averaging vs lump-sum for stocks and ETFs
- Investment Growth Calculator — best-case, expected, worst-case portfolio scenarios
- Investment Returns Calculator — total return and CAGR with contributions
🏖️ Retirement & Pension (8)
- Retirement Savings Calculator — total nest egg projection with salary, inflation, employer match
- 401(k) Calculator — US employer-match-aware contribution and growth projection
- IRA Calculator (Traditional vs Roth) — pre-tax vs Roth side-by-side with tax bracket sensitivity
- FIRE Number Calculator — your target nest egg + time to financial independence
- Safe Withdrawal Rate Calculator — year-by-year portfolio simulation, Trinity Study methodology
- UK Pension Calculator — State Pension + workplace pensions + 25% tax-free lump sum
- Australian Superannuation Calculator — 12% SG, concessional cap, ASFA retirement benchmarks
- RMD Calculator — IRS Uniform Lifetime Table for ages 73+ with multi-year schedule
🧾 Tax (3)
- Self-Employment Tax Calculator — US SE tax, UK Class 4 NICs, any country’s payroll-equivalent
- Take-Home Pay Calculator — net pay across annual, monthly, biweekly, weekly, daily, hourly
- Tax Withholding Calculator — W-4 withholding estimate, refund vs. owe projection
🌐 Everyday (8)
- Cost Per Unit Calculator — compare two products by unit price
- Discount Calculator — sale price after one or stacked promotions
- Hourly Rate Calculator — what freelancers should actually charge per hour
- Markup Calculator — selling price, profit, and margin from cost + markup
- Percentage Calculator — three modes: % of, % is of, % change
- Sales Commission Calculator — commission earned, quota attainment, effective rate
- Sales Tax Calculator — US, UK VAT, EU VAT, India GST, any combined rate
- Split-the-Bill Calculator — divide any bill evenly with optional tax and tip
💼 Business (2)
- Break-Even Calculator — find the unit volume that covers fixed costs
- ROI Calculator — return on investment with optional time-period annualization
🪙 Crypto (2)
- Crypto DCA Calculator — DCA into any token with price-history simulation
- Staking Rewards Calculator — APY math for ETH, SOL, ADA, ATOM, and any PoS chain
Fast and simple
Most calculators have 2–5 inputs. Get an answer in seconds, not after a 20-field form.
Free forever
No signups, no email required, no upgrade prompts. Use as many as you want.
Real math
Industry-standard formulas. Same logic banks, accountants, and financial planners use.
Works everywhere
Built mobile-first with 25 currencies. Works on any device, any browser, any country.
Our calculators give estimates based on the numbers you enter. They don’t account for your specific tax situation, jurisdiction, fees, or all real-world variables. Use them as starting points for decisions — not final answers. For anything material, verify with a qualified professional.
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Calculators are educational tools only. Not financial, tax, or legal advice. Always consult a qualified professional for decisions about your money. Last updated: May 2026. See full disclosure.