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Free Finance Calculators

Loans, mortgages, taxes, paychecks and retirement, accurate, private and US-ready.

30 free finance calculators, no sign-up, no watermarks.

VAT Calculator

Add or remove VAT or GST at any rate.

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Margin Calculator

Work out profit, margin and markup from cost and price.

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EMI Calculator

Calculate loan EMI, total interest and total payment.

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CAGR Calculator

Calculate compound annual growth rate, total return and multiple.

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Break-Even Calculator

Find the units and revenue needed to break even.

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GST Calculator

Add or remove GST at any rate, net, tax and gross.

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Markup Calculator

Turn cost and markup into selling price, profit and margin.

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Commission Calculator

Work out sales commission and total earnings.

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Down Payment Calculator

Work out your down payment, loan amount and LTV.

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Student Loan Calculator

Monthly payment, total interest and payoff date under Standard or Graduated repayment.

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HELOC Calculator

Available credit, draw period and repayment period payments for a HELOC.

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APY Calculator

Convert a nominal rate to annual percentage yield (APY).

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Auto Loan Calculator

Car payment, total interest and amortization, with trade-in and tax.

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Personal Loan Calculator

Monthly payment, total interest and full payoff schedule.

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Mortgage Refinance Calculator

New payment, monthly savings and your break-even point.

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Paycheck / Take-Home Pay Calculator

US take-home pay after federal, FICA and state tax (2026).

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Income Tax Calculator (2026)

US federal income tax with effective and marginal rates (2026).

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401(k) & Retirement Calculator

Project your 401(k) balance with employer match and growth.

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Debt Payoff Calculator

How long to clear a credit card or loan, and the total interest.

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Life Insurance Calculator

How much life insurance you need (DIME method).

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Mortgage Payoff Calculator

See how extra payments cut years and interest off your mortgage.

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ROI Calculator

Return on investment, net profit and annualized return.

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Net Worth Calculator

Add up assets minus liabilities to find your net worth.

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Salary to Hourly Calculator

Convert salary to hourly pay and back, with all equivalents.

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Rent vs Buy Calculator

Compare the total cost of renting versus buying a home.

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Inflation Calculator

Future cost and the shrinking purchasing power of money.

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Compound Interest Calculator

See how savings grow, future value, deposits and interest.

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Simple Interest Calculator

Principal, rate and time โ†’ simple interest and total.

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Savings Goal Calculator

How long to reach a savings goal, months and interest.

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Loan & Mortgage Calculator

Monthly payments and a full amortization schedule.

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