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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Discover proven strategies like debt snowball, avalanche, and balance transfers to tackle credit card debt, save on interest, and achieve financial freedom faster.
Albert Einstein called compound interest the 'eighth wonder of the world.' Learn how compound interest works, how it accelerates over time, and how to harness it to reach financial freedom.
Should you pay off your home fast or keep your monthly payments low? We break down the math, interest savings, and trade-offs of 15-year and 30-year fixed mortgages.
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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