8 free financial calculators
Free financial calculators for smarter money decisions
Clear, accurate calculators for mortgages, loans, investing and retirement — so you can make money decisions with confidence.
Financial calculators
Pick a tool to get an instant, detailed answer — with charts and schedules.
Borrowing
Understand the true cost of a mortgage, loan or credit card before you sign.
Mortgage CalculatorEstimate your monthly mortgage payment including property tax, home insurance, PMI and HOA fees.Open calculatorLoan Amortization CalculatorSee your monthly loan payment, total interest and a full amortization schedule — plus how much extra payments save.Open calculatorCredit Card Payoff CalculatorFind out how long it will take to pay off your credit card and how much interest you'll pay.Open calculator
Investing
See how regular saving and compound growth build wealth over time.
Planning
Set targets for retirement and savings goals — in real, inflation-adjusted terms.
Retirement CalculatorEstimate your retirement nest egg, its value in today's money and the income it could provide.Open calculatorSavings Goal CalculatorWork out how much you need to save each month to reach a target amount by a certain date.Open calculatorInflation CalculatorSee how inflation erodes purchasing power and what today's money will cost in the future.Open calculator
Accurate, tested math
Every formula is unit-tested against standard financial equations, and explained on the page.
Private by design
Calculations run in your browser. We never ask for, see or store your financial details.
Instant & free
No sign-up, no paywall. Results update as you type, on any device.
Money guides
Plain-English explainers with worked examples.
8 min readHow Long Will It Take to Pay Off $5,000 or $10,000 of Credit Card Debt?How many months $5,000 or $10,000 of credit card debt takes at 20-28% APR, why minimum payments drag on for decades, and what to pay to be free in 12-36 months.8 min readBalance Transfer Cards: The Real Math (Fees, 0% Periods and Break-Even)Is a balance transfer worth it? Compare 3% and 5% fees on 15, 18 and 21-month 0% offers against a 24% card, plus break-even, revert-rate risk and UK notes.8 min readThe 4% Rule Explained: How Much Can You Withdraw in Retirement?The 4% rule explained: where it comes from, the 25x spending target, what $500k to $1.5M can pay each month, and where the rule falls short.