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Navigate Every
Financial Decision
With Confidence.

Eleven free calculators for mortgages, loans, paychecks, and savings — with real math, plain explanations, and nothing to sign up for.

Every calculator, in one place

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No calculators match your search. Try "loan," "pay," or "savings."

Real formulas

Standard amortization and compounding math — shown clearly, not hidden.

Nothing stored

Every calculation runs in your browser. We don't collect what you enter.

Plain guidance

Results explained in plain terms, with caveats where estimates are estimates.

Always free

No account, no paywall, no email required to use any calculator.

Your North Star Score

A rough, plain-math score based on how your income, debt, and savings line up — not a credit score or personalized advice.

62
out of 100
Good progress

All the Calculators
You Need. In One Place.

  • ✓ 10 free financial calculators
  • ✓ No sign-up, no cost, ever
  • ✓ Instant, private results
  • ✓ Built for real money decisions
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Loans & Debt

Borrowing calculators

Mortgage, auto, personal loan, and credit card payoff — see the real cost before you sign.

Mortgage Calculator

Estimate your monthly payment, including taxes and insurance. How much house can you afford?
Loan amount—
Principal & interest—
Taxes, insurance & HOA—
Total monthly payment—
Total interest over term—
Total cost of loan—

Auto Loan Calculator

Estimate your car payment, including trade-in and sales tax.
Amount financed—
Sales tax—
Monthly payment—
Total interest—
Total cost of loan—

The Real Cost of Car Ownership

Payment, insurance, gas, and maintenance combined. Why the payment isn't the real cost
I know my monthly gas cost
Calculate from mileage
Average is often $50–150/month depending on the vehicle's age
Car payment—
Insurance—
Gas—
Maintenance & other—
Total monthly cost—
Total annual cost—

Credit Card Payoff Calculator

Find your payoff time — or the payment you need to hit a goal date. Fastest way to pay off $10k?
I know my monthly payment
I want a payoff deadline
Time to pay off—
Total interest paid—
Total paid—

Personal Loan Calculator

See the monthly payment for any fixed-rate installment loan.
Deducted from what you receive, not added to payments
Fee withheld—
Amount you'll receive—
Monthly payment—
Total interest—
Total repayment—
Income

Paycheck & income calculators

See your real take-home pay, convert wages, and check your debt load.

Paycheck Calculator

Estimate take-home pay after taxes and pre-tax deductions.
Salaried
Hourly
e.g. health insurance premium
Your best estimate of federal + state + local income tax, combined
Gross pay per period—
Pre-tax deductions—
Estimated income tax—
FICA (Social Security + Medicare)—
Net pay per period—
Estimated annual net pay—
Estimate only. Actual withholding depends on your W-4, state, and local rules — not a substitute for a pay stub.

Hourly ⇄ Salary Converter

Convert between an hourly wage and an annual salary.
Hourly → Salary
Salary → Hourly
Hourly—
Weekly—
Biweekly—
Monthly—
Annual—

Debt-to-Income Calculator

Check your DTI ratio against common lending guidelines.
Total monthly debt—
Debt-to-income ratio—
General guideline—
Based on common mortgage-lending thresholds (≤36% healthy, 36–43% manageable, 43%+ high). A general guideline, not a lending decision.
Growth & Everyday

Savings & everyday calculators

Grow your money on purpose — and split the check without the awkward math.

Compound Interest Calculator

See how a starting balance and contributions grow over time.
Total contributed—
Growth from interest—
Final balance—
Assumes monthly compounding and end-of-month contributions. Actual returns vary.

Retirement Savings Calculator

Project your balance at retirement and a rough monthly income.
Total contributed—
Growth from interest—
Projected balance at retirement—
Est. monthly income (4% rule)—
The 4% rule is a common planning guideline, not personalized financial advice.

Tip & Bill Split Calculator

Split any bill and tip evenly across the table.
Tip amount—
Total bill—
Per person—
Tip per person—