43 calculators · free · private
Free Personal Finance Calculators
See what your savings, investments and loans turn into over time. Every default is sourced, there’s no signup, and nothing you type leaves your browser.
Grow money
- Investment ProjectionProject a portfolio with contributions, fees, and inflation.
- Compound InterestTextbook compound interest with monthly contributions.
- SavingsWatch savings grow at a high-yield APY vs the national average.
- Savings vs InvestingCompare HYSA vs index funds after fees and inflation.
- MillionaireYears and age until $1 million, with milestones on the way.
- Savings GoalMonths to your goal, or the monthly amount to hit a date.
- Rule of 72Years to double your money: the rule of 72 vs the exact math.
- Save vs Invest (Simple)Start hereTwo sliders show why investing usually beats saving.
- CDCD ending balance + interest earned for any APY and term.
- College Savings529 contributions vs projected tuition with inflation.
Retirement
- 401(k) ProjectionProject a 401(k) with employer match and salary growth.
- Retirement BasicsStart hereSee if your savings rate gets you to 65.
- FIREYour FI number, years to financial independence, and age.
- Roth IRAProject tax-free Roth IRA growth across decades.
- Coast FIREThe balance that grows into your retirement with no new money.
- Traditional vs Roth IRASide-by-side after-tax comparison; current vs retirement bracket.
- RMDRequired Minimum Distribution using current IRS table.
Home & mortgage
- Mortgage PaymentFull PITI + amortization + PMI cancellation date.
- Rent vs BuyWealth after owning vs renting, same monthly budget.
- Home AffordabilityHow much house you actually qualify for, given DTI rules.
- Mortgage PayoffExtra and biweekly payments: interest saved and years cut.
- Refinance Break-evenMonthly savings + month closing costs are recouped.
- HELOCInterest-only draw + amortizing repayment phase.
Debt
- Debt PayoffAvalanche vs snowball: months saved and interest avoided.
- Credit Card PayoffMinimum vs minimum + extra: months and interest saved.
- Student LoanStandard payoff vs accelerated with extra principal.
- Auto LoanMonthly payment + total interest with trade-in and tax.
- Personal LoanMonthly payment and full interest cost for a personal loan.
Everyday & income
- Take-Home PayYour 2026 paycheck after federal, FICA, and state tax.
- Budget BasicsStart hereDrop in take-home pay; see your 50/30/20 split.
- Emergency FundSize your safety net by expenses and job stability.
- Net WorthAssets − debts, with US-median comparison by age.
- Inflation PowerSee how inflation erodes today's dollar over decades.
- Salary to HourlySalary → hourly with honest PTO accounting.
- Tax Return EstimatorEstimate your federal + state refund or balance due (estimator only).
Career
- Replace My SalaryThe freelance revenue, clients, and months-to-quit needed to replace your salary for real.
- CounterofferCounter vs. new offer on comp, commute, and the odds the counter fails.
- Golden HandcuffsWhat you forfeit by leaving vs. what the new offer makes whole — with a breakeven date.
- Self-Employment TaxSE tax, income tax, QBI, and your quarterly estimated payment — done right for 2026.
- Travel Nurse PayReal take-home from a blended package — overtime, stipends, tax, by state.
- Compare ContractsRank 2–3 offers on real take-home and cost-of-living-adjusted value.
- Compare StatesSame package, all 50 states — ranked by take-home and real value.
- Stipend AnalysisCheck stipends vs GSA limits and score your tax-home eligibility.
Pro models
Full-screen planning tools. Free, no signup — educational modeling, not advice.
New to this? Read the plain-English personal finance guide or take a two-minute lesson.