๐Ÿ  Mortgage & Home Buying๐Ÿš— Loans & Car Finance๐Ÿ’ณ Debt Payoff๐ŸŽฏ Savings & Interest๐Ÿ“ˆ Investing & Returns๐ŸŒ… Retirement Planning๐Ÿงพ Budgeting & Net Worth๐Ÿ›’ Smart Spending & Shoppingโฑ๏ธ Salary & Pay๐Ÿ’ผ Side Hustle & Business

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77 free tools and step-by-step guides for loans, saving, investing, budgeting and income. Instant answers. No sign-up.

โœ“ 100% free๐Ÿ”’ Private: runs in your browser๐Ÿงฎ Every answer shows the math

Start here: pick your goal

๐ŸฉนFix my finances๐Ÿง—Get out of debt๐Ÿ˜๏ธPlan a home purchase๐Ÿš™Plan a car purchase๐Ÿ’Plan a wedding๐Ÿ’ธEarn extra income

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Mortgage & Home Buying

Work out your monthly payment, how much house you can afford, and whether renting or buying wins.

  • Mortgage Calculator
  • How Much House Can I Afford?
  • Refinance Break-Even Calculator
  • Down Payment Savings Calculator
See all 10 calculators →
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Loans & Car Finance

See what a loan really costs, how much car you can afford, and how much interest an extra payment saves.

  • Loan Payment Calculator
  • Car Loan Calculator
  • Car Affordability Calculator
  • Student Loan Payoff Calculator
See all 5 calculators →
๐Ÿ’ณ

Debt Payoff

Find the fastest and cheapest way out of debt, and see if a balance transfer is worth the fee.

  • Credit Card Payoff Calculator
  • Debt-to-Income (DTI) Calculator
  • Debt Payoff Planner (Snowball vs Avalanche)
  • Balance Transfer Calculator
See all 5 calculators →
๐ŸŽฏ

Savings & Interest

See how small amounts grow, how long a savings goal takes, and how much cushion you really need.

  • Compound Interest Calculator
  • Savings Goal Calculator
  • Simple Interest Calculator
  • Savings Interest (APY) Calculator
See all 7 calculators →
๐Ÿ“ˆ

Investing & Returns

Measure what an investment really earned, what inflation takes back, and how long it takes to reach a big goal.

  • Inflation Calculator
  • ROI Calculator
  • Dividend Income Calculator
  • CAGR Calculator
See all 9 calculators →
๐ŸŒ…

Retirement Planning

See how much you need to retire, what your 401k can become, and how long your money will last.

  • Retirement Savings Calculator
  • FIRE Number Calculator
  • Roth vs Traditional IRA Calculator
  • 401(k) Calculator with Employer Match
See all 11 calculators →
๐Ÿงพ

Budgeting & Net Worth

Plan your month, check your financial health, fix a deficit and plan big events with clear numbers.

  • 50/30/20 Budget Calculator
  • Net Worth Calculator
  • Monthly Financial Planner
  • Wedding Budget Calculator
See all 7 calculators →
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Smart Spending & Shopping

Check a deal, split a bill, and see what small daily habits and subscriptions really cost over the years.

  • Tip & Bill Splitter
  • Percentage Calculator
  • Discount Calculator
  • Sales Tax & VAT Calculator
See all 7 calculators →
โฑ๏ธ

Salary & Pay

Know what your time is worth, what a raise adds up to, and which job offer is really better.

  • Salary to Hourly Calculator
  • Hourly to Salary Calculator
  • Overtime Pay Calculator
  • Pay Raise Calculator
See all 10 calculators →
๐Ÿ’ผ

Side Hustle & Business

Price your work, check whether a side hustle is profitable, and find your break-even point.

  • Freelance Hourly Rate Calculator
  • Profit Margin & Markup Calculator
  • Break-Even Calculator
  • Seller Profit Calculator (Etsy, eBay, Amazon)
See all 6 calculators →

Most popular calculators

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Mortgage Calculator

Estimate your full monthly mortgage payment including property tax and home insurance.

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Compound Interest Calculator

See how savings or investments grow with monthly contributions and compound interest. Free and instant.

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Debt Payoff Planner (Snowball vs Avalanche)

Enter up to three debts and compare the avalanche method, the snowball method and paying only minimums.

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401(k) Calculator with Employer Match

Project your 401(k) or workplace pension balance with salary growth and employer match.

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๐Ÿงพ

50/30/20 Budget Calculator

Split your take-home pay into needs, wants and savings using the 50/30/20 rule. Free and instant.

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๐Ÿ’ต

US Take-Home Pay Calculator (2025)

Turn a US salary into take-home pay after federal tax, Social Security, Medicare, state tax and 401k, using 2025 tax brackets.

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Money guides

All guides →
๐Ÿ“˜

How to Fix Bad Financial Condition with Math: A 7-Step Recovery Plan

A step-by-step plan, with real numbers, to climb out of a money hole: find the gap, cut and earn, pay debt smartly and build a safety net.

Read guide →
๐Ÿ“˜

Snowball vs Avalanche: The Math of Getting Out of Debt

Compare the two best debt payoff methods with real numbers and learn which one saves more money.

Read guide →
๐Ÿ“˜

How to Save Money: 10 Practical Ways with Real Numbers

Ten proven ways to save money, each with the math showing how much you can keep every year.

Read guide →
๐Ÿ”’Your numbers stay privateNothing you type is sent to a server or saved.
๐Ÿ“ŠClear visual breakdownsSee where your money goes with simple charts.
๐Ÿ“ฑWorks on any deviceFast on phone, tablet and desktop. No app needed.