Money calculators that answer the question and stop
Thirty calculators for loans, pay, savings, and the everyday arithmetic that decides whether something is affordable. Type your numbers, read the answer, copy the link. No account, no email wall, no fifteen-field form standing between you and a result.
Most financial calculators online were written years ago and have been quietly rotting since: buried under full-screen ads, slow on a phone, hiding the one number you came for beneath a wall of unrelated text. We rebuilt the useful ones from the published formulas and left the rest alone.
Every calculator here updates as you type. Your inputs live in the page address, so the link in your bar is always a link to your result. Bookmark it, send it to whoever decides with you, paste it into an email to a broker, and it opens with your figures already filled in.
No tool matches that.
Loans Which one do I need? →
- Loan Payment Calculator
Work out your exact monthly payment, total interest, and payoff cost for any loan.
- Mortgage Calculator
Estimate your full monthly mortgage payment — principal, interest, taxes, and insurance included.
- Auto Loan Calculator
See your real car payment after down payment and trade-in, plus total interest over the loan.
- Debt Payoff Calculator
Find out how many months your balance will take to clear and what the interest really costs.
- Mortgage Payoff Calculator
See how extra monthly payments shorten your mortgage and how much interest they save.
- Down Payment Calculator
Turn a home price into the down payment you'll need — and see how loan size and PMI risk change with it.
- Credit Card Minimum Payment Calculator
See how long paying only the minimum really takes — and what it costs you in interest.
- Amortization Schedule Generator
See every payment of a loan broken into principal and interest, month by month.
- Student Loan Calculator
Compare the standard 10-year repayment plan against an income-driven plan, and see the real payoff timeline and total interest for your student loans.
- Debt Consolidation Calculator
See whether combining multiple debts into one new loan actually lowers your total interest and monthly payment.
Savings & Investing Which one do I need? →
- Compound Interest Calculator
Watch a balance grow with compound interest and regular contributions, year by year.
- Savings Goal Calculator
Work out the monthly deposit that gets you to a savings target by your deadline.
- Inflation Calculator
See what today's money will be worth later — or what past money equals now — at any inflation rate.
- Retirement Savings Calculator
Project your retirement balance from your current savings, monthly contributions, and employer match.
- Investment Fee Calculator
See exactly how much an expense ratio quietly costs you in lost growth over the years.
- College Savings Calculator
Project a college fund from today's balance and monthly contributions against a future cost target.
Income Which one do I need? →
- Salary to Hourly Calculator
Convert an annual salary to its true hourly rate — or an hourly wage to a yearly figure.
- Overtime Pay Calculator
Add up regular and overtime hours at any multiplier and see your real gross pay for the period.
- Paycheck Tax Calculator
Estimate your take-home pay after federal tax, FICA, and a simple state-tax rate you set.
- Estate Tax Calculator
Estimate federal estate tax owed on an estate above the exemption threshold.
Everyday Which one do I need? →
- Percentage Calculator
Three percentage problems, one page: X% of Y, what percent X is of Y, and percent change.
- Tip Calculator
Tip, total, and per-person split in one glance — with sensible presets for quick math.
- Discount Calculator
Final price after a discount — including stacked second discounts and sales tax.
- Rent vs. Buy Calculator
Compare the true cost of renting against buying over time, including the money buying ties up.
- Net Worth Calculator
Add up what you own and subtract what you owe to see your real net worth in one number.
- Car Affordability Calculator
Find the car price that fits your budget using the 20/4/10 rule on your income.
- Emergency Fund Calculator
Find your target emergency fund from your monthly expenses, and how long it takes to build.
- Currency Converter
Convert between world currencies using live daily exchange rates.
- VAT / Sales Tax Calculator
Add tax to a price, or pull it back out of a tax-inclusive price, with presets for common VAT and sales tax rates.
Business
- Break-Even Calculator
Find the exact number of units and revenue where your product stops losing money.
From the blog
Which calculator do you actually need?
If you are working out whether you can afford something, start with the monthly payment. The loan payment calculator covers any fixed-rate loan, and the mortgage calculator adds taxes and insurance so the figure resembles what a lender would quote rather than a best case.
If you already have the debt and want out of it sooner, the debt payoff and mortgage payoff calculators show what an extra 50 a month genuinely buys: months saved and interest avoided. The answer is usually larger than people expect, which is the point of looking.
If you are saving rather than borrowing, compound interest and the savings goal calculator work the same problem from opposite ends. One tells you what a monthly amount grows into; the other tells you what monthly amount reaches a target by a given date.
How the numbers are worked out
Each tool implements the standard published formula for its job: amortisation for loans, periodic compounding for savings, marginal brackets for tax estimates. Each page then shows a worked example with the arithmetic visible, so you can check the result instead of trusting it.
The maths runs in your browser. Nothing you type is sent anywhere, logged, or stored on a server, which is also why results appear instantly rather than after a round trip.
Common questions
Are these calculators free, and where is the catch?
They are free and there is no account step. The site is paid for by a small number of clearly labelled ads, which is why there is no signup wall, no email capture before results, and no paid tier holding back the useful features.
How accurate are the results?
The arithmetic is exact for the formula each tool implements, and every page shows a worked example you can check by hand. What a calculator cannot know is your lender's fees, your exact tax position, or how a particular bank rounds, so treat the output as an accurate model rather than a quote.
Do these work in currencies other than dollars?
Yes. The maths is currency-agnostic: 6% over 25 years behaves identically whatever symbol sits in front of the number. Only the formatting is in dollars, so enter pounds or euros and the result comes back in the same unit you typed.
Can I save or share a calculation?
Every input is stored in the page address as you type, so sharing a result is just copying the URL. Bookmark it and it reopens with the same numbers, which is the quickest way to keep a scenario you want to return to.
Is anything I type stored or sent to you?
No. Every calculation runs in your browser, so your salary, balances and loan amounts never leave your device. We could not see them if we wanted to.