Free calculators for mortgages, loans, retirement, debt, and budgeting — each with decimal-safe math and an in-depth article explaining the formula and the trade-offs.
Accurate math
Decimal-safe formulas with unit-tested logic.
Plain-English guides
Each calculator includes a worked example and FAQ.
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Free to use, no account, no tracking of your inputs.
Mortgage Payment
Estimate your monthly principal and interest payment, total interest, and full amortization schedule.
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Mortgage Affordability
Find the maximum home price you can afford based on your income, debts, and down payment.
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Refinance Break-Even
Compare your current loan to a new one and find out how long it takes to recover closing costs.
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Auto Loan
Calculate monthly car payments based on price, down payment, trade-in, rate, and term.
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Personal Loan
Estimate monthly payments and APR for a personal loan.
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Compound Interest
See how your savings grow with compound interest over time, including regular contributions.
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Retirement Savings
Project your retirement nest egg and how long it will last in retirement.
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401(k)
Project your 401(k) balance with contributions, employer match, and growth.
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Investment Return
Calculate annualized return given starting and ending values.
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Savings Goal
Find the monthly contribution needed to reach your savings goal in time.
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Credit Card Payoff
See how long it takes to pay off your credit card and how much interest you'll save.
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Debt Snowball
Pay off debts smallest balance first to build momentum.
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Debt Avalanche
Pay off the highest-rate debt first to minimize total interest paid.
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Student Loan
Estimate standard, graduated, and income-driven repayment plans.
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Demystify your mortgage payment. Learn what determines your monthly bill, how it's calculated, and smart strategies to manage or reduce your costs to save thousands.
Discover the Debt Avalanche method, a powerful strategy for paying off high-interest debt faster and saving more money in the long run. Learn how it works and why it could be your key to financial freedom.
Considering refinancing your mortgage? Discover how to calculate your break-even point to ensure it's a financially smart move, saving you thousands in the long run.
Every calculator is unit-tested against published reference values, paired with an educational article that explains the math, common mistakes, and FAQs.
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