Free U.S. financial calculators
Financial calculators that show their work
Estimate a mortgage payment, convert a salary, plan for retirement or work out a tip. Every calculator states its formula and assumptions, and runs entirely in your browser.
- Free, with no sign-up
- Your inputs stay in your browser
- Formulas and assumptions on every page
Estimated monthly payment
$2,575.51
Loan of $320,000 over 30 years at 6.75%
Where your monthly payment goes
- Principal and interest$2,076 · 81%
- Property tax$367 · 14%
- Homeowners insurance$133 · 5%
Default example: a $400,000 home with 20% down. Open the mortgage calculator to use your own numbers.
Start with the numbers most people need
Six calculators cover the biggest decisions in a household budget: housing, pay, borrowing, saving and retirement.
Mortgage Calculator
Full monthly payment with taxes, insurance, PMI and extra payments.
Open calculatorHome Affordability Calculator
Estimate the home price your income and debts can support.
Open calculatorTake-Home Pay Calculator
Estimate paycheck after federal, state and payroll taxes and deductions.
Open calculatorLoan Calculator
Payment, total interest and effective APR for a fixed-rate loan.
Open calculatorCompound Interest Calculator
See how a balance and regular contributions grow with compounding.
Open calculatorRetirement Calculator
Project retirement savings and test whether they cover your spending.
Open calculatorAll 21 calculators, by what you want to do
Browse by category, or use the search box above to filter this list. Every calculator has its own page with a full explanation.
Estimate monthly housing costs, compare loan terms and see how much home your income supports.
Convert pay between hourly and salary, price overtime and estimate what lands in your bank account.
Model payments, compare offers and build a plan to pay balances down faster.
Project growth with regular deposits, compound interest and assumed investment returns.
Project retirement savings and see how inflation changes what money can buy.
Quick answers for percentages, tips, discounts, sales tax, margin and markup.
No calculators match that search. Try a broader word such as “loan”, “pay” or “tax”, or browse the full list.
What you get on every calculator page
A result is only useful if you can tell where it came from. Each page is written to let you check the work.
The formula, spelled out
See the exact equation behind the number, with a worked example calculated by the same code that powers the tool.
Assumptions in plain view
Each page explains what the estimate includes, what it leaves out and where real-world results tend to differ.
Private by design
Calculations happen in your browser. The figures you type are not sent to our server or stored by these tools.
Sources you can follow
Tax, price-index and lending facts point to primary sources such as the IRS, the BLS and the CFPB.
Estimates, honestly labeled
Financial decisions deserve clear numbers and clear limits. This is how the site handles both.
- Estimates, not advice. Results are general information based on the inputs you provide. They are not personalized financial, tax or legal advice.
- Dated reference data. Tax brackets, state rates and price-index data were last reviewed in September 2026, and the pages say which year they use.
- No pressure, no product pitches. There are no sign-up walls, and results are never adjusted to favor a lender, card or product.
- Corrections welcome. If a result looks wrong, tell us using the contact form and we will look into it.
Read before you rely on a result
Real loans, paychecks and investments depend on details a calculator cannot see. Read how the tools work and where their limits are.