Free Finance & Money Calculators

Budgeting, saving, debt payoff, compound growth and take-home pay — the everyday money maths, worked out properly and explained.

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Most visited in Finance & Money

Loan Amortization Schedule Calculator Build a full month-by-month amortization schedule for any loan, with principal, interest and balance. Credit Card Minimum Payment Calculator See how a shrinking minimum payment can stretch a balance for a decade or more. Sales Tax Calculator Free sales tax calculator by US state or custom rate — with reverse sales tax. Student Loan Payoff Calculator See how extra monthly payments cut years off your student loans and slash total interest.

Ordered by how often these pages are shown in Google Search results. Every tool in the category is listed in full below.

# 2 tools

401k Calculator Project your 401(k) balance at retirement, including employer match and salary growth. 529 College Savings Calculator Project your 529 balance against the real, inflated future cost of college.

A 6 tools

Allowance Calculator Work out a fair weekly kids allowance and see the save/spend/give split grow by age 18. Annual Income Calculator Combine every job, side hustle, and passive income stream into one accurate annual total. Annuity Calculator Project your annuity's account value and fee drag during the accumulation phase, before annuitizing. APR Calculator Solve for the true APR on any loan by folding in fees and points to the note rate. APY Calculator Convert a nominal rate and compounding frequency into the real APY on savings, HYSAs, and CDs. Auto Loan Calculator Work out your monthly car payment, total interest and the real all-in cost of a vehicle.

B 8 tools

Balance Transfer Calculator See if a 0% balance transfer actually saves money once the fee and payoff timeline are factored in. Bill Splitter Calculator Split a bill by individual items or custom percentages, with tax and tip divided fairly among the group. Billable Hours Calculator Find your annual billable hours and the hourly rate they have to carry. Biweekly Pay Calculator Find your gross pay per paycheck and see which months bring a bonus 3rd paycheck. Break Even Calculator Find the exact units and revenue you need to sell to cover costs and profit. Budget Calculator Compare your actual spending to the 50/30/20 rule and find your biggest budget gap instantly. Burn Rate Calculator Work out gross burn, net burn, burn per employee, and months of cash cover. Business Valuation Calculator Estimate business value using revenue multiples, EBITDA multiples, and DCF at once.

C 14 tools

Car Affordability Calculator Find the real car price you can afford based on income, debts, and total ownership costs. Car Depreciation Calculator Project your car's value year by year and see total value lost, with an editable depreciation table. Cash Back Calculator Find your true net cash back by category spend, annual fee, and sign-up bonus. Cash Denomination Calculator Break any dollar total into the exact bills and coins needed for payroll, floats, or bank withdrawals. CD Calculator Calculate CD maturity value, interest earned, and the true cost of an early withdrawal. Coast FIRE Calculator Find the point where you can stop contributing and still reach financial independence. COLA Calculator See how a cost-of-living adjustment changes your salary or benefit, with a multi-year projection. Compound Interest Calculator See how savings and regular contributions grow over time with the power of compounding. Contractor vs Employee Calculator Compare a contractor day rate against a salaried hire on a like-for-like basis. Cost of Living Calculator Find the salary you'd need in another city to keep your standard of living. Cost Per Use Calculator Find the true cost per use of any purchase, including maintenance, resale value and a rental break-even point. Credit Card Interest Calculator See exactly how average daily balance and daily rates turn into your interest charge. Credit Card Minimum Payment Calculator See how a shrinking minimum payment can stretch a balance for a decade or more. Credit Card Payoff Calculator See how long to clear a credit card balance and the total interest at your payment.

D 7 tools

Debt Avalanche Calculator Attack your highest-interest debt first and see exactly how much less interest you'll pay. Debt Consolidation Calculator Itemize up to 5 debts and see if a consolidation loan beats your weighted-average APR. Debt Payoff Date Calculator Enter one balance, rate, and payment to see the actual calendar month you'll be debt-free. Debt Snowball Calculator List your debts smallest to largest and see your exact debt-free date with the snowball method. Debt-to-Income Ratio Calculator See your DTI percentage and whether lenders will call it healthy, caution, or risky. Discount Calculator See the final sale price and exactly how much you save on any percent-off deal. Down Payment Calculator Find your down payment amount for a home or car and see the resulting loan and PMI.

E 5 tools

Emergency Fund Calculator Find your ideal emergency fund based on essential expenses only, plus your shortfall and time to fully fund it. Employee Cost Calculator Add employer taxes, benefits, and overhead to a salary for the true annual cost. Envelope Budgeting Calculator Assign every dollar to a digital envelope and see instantly if your budget balances to zero. Equity Dilution Calculator See what a funding round and option pool do to your ownership percentage. Extra Payment Loan Calculator See how much interest and time you save by paying extra each month on any loan.

F 4 tools

FI Number Calculator Find the exact portfolio size you need to reach financial independence. FIRE Calculator Calculate exactly how many years until you reach financial independence. Freelance Hourly Rate Calculator Find the minimum hourly rate you need to charge to hit your income goals after tax and unbillable hours. Future Value Calculator See what a lump sum plus optional yearly contributions grows into over time.

G 2 tools

Grocery Budget Calculator Get a realistic monthly grocery target by household size, age, and eating style. Gross to Net Calculator See the full pre-tax and post-tax deduction waterfall from gross salary to net pay.

H 2 tools

Hourly to Salary Calculator Convert hourly wage to annual salary and back, with weekly and monthly figures. Hourly Wage Calculator Calculate your real annual earnings from an hourly rate, including unpaid time off.

I 6 tools

Inflation Calculator Free inflation calculator — project future buying power at any rate. Inheritance Calculator See your net inheritance after debts, probate costs, and state inheritance tax. Interest Only Loan Calculator See your interest-only payment and the payment shock once the IO period ends, for any loan. Interest Rate Calculator Reverse-solve the interest rate from a loan payment or an investment's growth. Inventory Turnover Calculator Convert COGS and average stock into turnover, days on hand, and cash tied up. Investment ROI Calculator Calculate total ROI, net profit and annualised CAGR for any investment.

L 4 tools

Lease vs Buy Calculator Compare true total cost of leasing versus buying a car, including the equity buyers keep. Loan / EMI Calculator Calculate monthly payment, total interest and full cost of any loan instantly. Loan Amortization Schedule Calculator Build a full month-by-month amortization schedule for any loan, with principal, interest and balance. Loan Comparison Calculator Compare up to 3 loan offers by total cost and effective APR, not just monthly payment.

M 4 tools

Millionaire Calculator Simulate your savings month by month to see exactly when you'll cross $1 million. Money Counter Calculator Count bills and coins by denomination to get an instant, accurate cash total for tills, deposits, and collections. Money Doubling Calculator Find exactly how many years it takes to double your money at any return rate. Mortgage Affordability Calculator How much house can I afford? Free 28/36-rule mortgage affordability calculator.

N 2 tools

Net Pay Calculator A fast 4-input estimate of your net pay for any pay period. Net Worth Calculator Calculate your total net worth, liquid net worth, and debt-to-asset ratio.

O 1 tool

Overtime Pay Calculator Calculate your full week's gross pay including regular, overtime, and double-time hours.

P 10 tools

Passive Income Calculator Add up dividends, rental cash flow, interest, and royalties into one real annual passive income number. Pay Raise Calculator Calculate your new salary from a raise %, or the % from a new salary, plus your real raise after inflation. Paycheck Budget Calculator Assign each bill to the exact paycheck that should cover it, so nothing is due before payday. Payday Loan Calculator Convert a payday loan's flat fee into its true APR before you sign. Pension Calculator Estimate your defined-benefit pension payout from salary, years of service, and multiplier. Percentage Calculator Find %, work out percent of a number, and calculate increase/decrease instantly. Personal Cash Flow Calculator See your true monthly cash flow, savings rate, and annual surplus or deficit. Present Value Calculator Find out what a future lump sum or payment stream is worth in today's dollars. Profit Margin Calculator Free profit margin calculator — margin, markup and target-margin pricing. Project Profitability Calculator Turn a fixed fee and resourcing plan into real project margin and hourly yield.

R 5 tools

Retirement Calculator Project your 401(k)/IRA nest egg and estimate monthly retirement income. Retirement Withdrawal Calculator Simulate the 4% rule year by year to see how long your retirement savings last. RMD Calculator Calculate your required minimum distribution using the IRS Uniform Lifetime Table. Roth IRA Calculator Project your tax-free Roth IRA balance and see how much tax you save versus a taxable account. Rule of 72 Calculator Estimate how fast money doubles with the classic 72-divided-by-rate mental shortcut.

S 13 tools

Salary to Hourly Calculator See what your salary really pays per hour once you count the hours you actually work. Sales Tax Calculator Free sales tax calculator by US state or custom rate — with reverse sales tax. Savings Goal Calculator Find how much to save monthly to reach any goal by your target date. Savings Rate Calculator Calculate your true savings rate on take-home and gross income, plus estimated years to financial independence. Savings Withdrawal Calculator See exactly how many months a lump sum lasts under a fixed monthly withdrawal. Side Hustle Calculator See what your side hustle really pays per hour after expenses, self-employment tax, and income tax. Simple Interest Calculator Calculate simple interest (I = P x r x t) on loans, deposits, or bonds in years, months, or days. Sinking Fund Calculator Plan several upcoming expenses at once and see the exact monthly amount needed for each fund. Social Security Benefits Calculator Estimate your monthly Social Security benefit at 62, Full Retirement Age, or 70. Startup Runway Calculator See how many months of runway your cash buys and when it runs out. Student Loan Payoff Calculator See how extra monthly payments cut years off your student loans and slash total interest. Student Loan Refinance Calculator Compare your current student loan against a refinance offer and see the real savings. Subscription Cost Calculator Add up every subscription to see your true monthly and annual spend, plus the cost of not investing it.

T 6 tools

Take Home Pay by State Calculator Compare your take-home pay in any two US states at the same salary. Take Home Pay Calculator Estimate your real net paycheck after federal tax, FICA and state tax — free. Time and a Half Calculator Instantly find your time-and-a-half or double-time hourly rate and its dollar value. Tip Calculator Work out the perfect tip and split the bill fairly between friends in seconds. Tithe Calculator Calculate your tithe from income, percentage, and pay period, on a gross or net income basis. Traditional IRA Calculator Project your Traditional IRA balance and compare today's tax deduction against tomorrow's tax bill.

V 1 tool

VAT Calculator Add or remove VAT at any rate — net price, VAT amount and gross total in a click.

W 2 tools

Wealth Growth Calculator Project your total net worth over time, including contributions, compounding growth, and inflation. Working Capital Calculator Get working capital, current and quick ratios, and your cash conversion cycle.

No finance & money tool matches that. Search all 822 free tools.

The compounding tools

Compound interest, future value and savings-goal calculators share one lesson worth internalising: the contribution schedule usually matters more than the rate. These pages show the split between what you put in and what the growth added, because that split is what makes the case for starting earlier rather than chasing a better return.

The debt tools

Avalanche and snowball reach the same destination by different routes — one minimises interest, the other maximises early wins. The calculators show both totals so the trade-off is explicit rather than ideological. The payoff-date tools make the same point in months rather than money.

What these tools deliberately do not do

Nothing here tells you what to do with your money. Rates and tax percentages are inputs rather than assertions, because they vary by country, state, lender and year, and a hardcoded figure would be wrong for most visitors within months. Every money page carries a plain statement that its output is a planning estimate, not financial advice.

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