Free financial calculators
27 free calculators for debt payoff, budgeting, saving, and borrowing. Every tool shows its math, runs in your browser, and needs no signup.
Debt payoff
Credit card payoff
Months to payoff and interest saved by extra payments.
Snowball vs avalanche
Compare two payoff orders across all your debts.
Credit card minimum payment
See how long minimum payments take to pay off a card.
Credit card interest
Estimate interest for one billing cycle.
Debt payoff by date
Find the payment that clears a debt by your deadline.
Balance transfer break-even
Does a transfer fee beat your current interest?
Credit utilization
See what share of your credit limits you use.
Debt-to-income ratio
See what share of income goes to debt.
Budgeting and income
Monthly budget
Check your spending against the 50/30/20 guideline.
50/30/20 budget
Split take-home pay into needs, wants, and savings.
Paycheck budget
Split your bills across each paycheck.
Annual expense planner
Turn yearly costs into a monthly set-aside.
Savings rate
See what share of your income you save.
Bill splitting
Split a bill, tax, and tip evenly.
Hourly to salary
Convert an hourly wage to annual pay.
Sales tax
Add or remove sales tax from a price.
Saving and investing
Emergency fund
Months until your savings reach your goal.
Savings goal
Find the monthly amount to reach a goal by a date.
Compound interest
See how savings or investments grow over time.
Simple interest
Interest on the original amount only.
Retirement savings
Project your savings at retirement age.
Inflation
See how prices and buying power change over time.
Net worth
Add up assets and debts for a snapshot.