Free Finance & Loan Calculators
Money decisions usually come down to a few repeatable calculations: what a loan really costs, whether a refinance pays back its fees, how fast savings grow and what a salary is worth in a different pay period. These calculators do that arithmetic instantly and show the working. Pick USD, GBP, EUR, CAD or AUD on the tools that need a currency, and read the formula and worked example on each page so you can check the maths for yourself.
Buying, refinancing and paying off a home
Work out what a mortgage costs, what you can afford, whether refinancing saves money and how extra payments shorten the loan.
Mortgage CalculatorEstimate a monthly mortgage payment, total interest and total cost.
Home Affordability CalculatorEstimate the home price you can afford from income, debts, down payment and rate using lender debt-to-income ratios.
Mortgage Refinance CalculatorSee whether refinancing saves money: new payment, monthly saving, break-even month and total cost compared with keeping your loan.
Mortgage Payoff CalculatorSee how extra monthly payments or a lump sum shorten your mortgage and how much interest you save.Loans and interest
See how borrowing costs and savings grow, simple and compounded.
Loan CalculatorEstimate loan payments and see how extra payments cut interest and time.
Auto Loan CalculatorWork out a car loan’s monthly payment, interest and total cost with down payment, trade-in, sales tax and fees.
Personal Loan CalculatorSee the monthly payment, total interest and the true APR of a personal loan including its origination fee.
Student Loan CalculatorEstimate a student loan payment, see what extra payments save and what it takes to pay it off faster.
Debt Snowball vs Avalanche CalculatorCompare the debt snowball and avalanche methods side by side: months to debt-free, total interest and payoff order.
Compound Interest CalculatorSee how savings grow with compounding and regular contributions.
Simple Interest CalculatorCalculate interest earned or owed with I = P × r × t.Retirement, buying decisions and inflation
Plan long-term: retirement savings, financial independence, rent versus buy and the effect of inflation.
Retirement CalculatorProject your retirement savings, see the income they could provide in today’s money and what you need to save to hit your goal.
FIRE CalculatorFind your FIRE number and how many years until financial independence at your savings rate, plus your Coast FIRE number.
Rent vs Buy CalculatorCompare the long-term net worth of buying a home against renting and investing the difference, with a break-even year.
Inflation CalculatorSee what money will be worth after inflation, what things will cost later, or the average inflation implied by two prices.Tax and currency
Add or remove sales tax, VAT and GST, and convert between 30 currencies.
Sales Tax CalculatorAdd sales tax to a price, take it out of a total, or find the tax rate from two prices.
VAT CalculatorAdd VAT to a price, remove VAT from a total or find the VAT rate — with UK 20%, 5% and 0% presets.
GST CalculatorAdd or remove GST on a price, with New Zealand 15%, Australia 10% and Canada’s 5% federal rate presets.
Currency ConverterConvert between 30 major currencies with European Central Bank reference rates, updated every working day.Pay, budgets and planning
Convert pay periods, plan a household budget and estimate long-term needs.
Salary Calculator (Hourly to Annual)Convert hourly, daily, weekly, bi-weekly, monthly or annual pay into every other period, with an optional take-home estimate.
Family Budget CalculatorSplit your monthly income into needs, wants and savings, using the 50/30/20 rule or your own percentages.
College Savings CalculatorEstimate the future cost of college and the monthly saving needed to cover it.
Life Insurance Needs CalculatorEstimate how much life insurance coverage your family may need using debts, income and future costs.
Braces Cost CalculatorTurn a braces quote into a monthly payment after insurance, a down payment and any financing interest.
Tutoring Cost CalculatorWork out the cost per session, per month and in total for a tutoring plan, with package discounts.How to use these calculators together
A typical home-buying path uses four of them in order: home affordability to set a realistic price, the mortgage calculator to see the full monthly payment on a specific home, the refinance calculator if rates fall later, and the payoff calculator to see what extra payments could save.
For savings, the compound interest calculator shows the effect of regular contributions over time, while the salary calculator helps you compare job offers quoted per hour, per month or per year.
Related reading
Comparing repayment orders? See Debt snowball vs avalanche: which wins in real households?
About the results
Our finance tools give estimates for education and planning, not professional advice. Real loans and investments involve fees, taxes, credit checks and changing rates that no generic calculator can capture. Always confirm numbers against official lender documents, and consider a qualified adviser for big decisions.
Every finance page lists its formula, a worked example, primary sources where relevant, a last-reviewed date and our disclaimer.
Guides for this topic
How Compound Interest Works7 min readHow to Calculate How Much House You Can Afford8 min readHow to Calculate Your Mortgage Refinance Break-Even Point7 min readHow to Pay Off Your Mortgage Early7 min readHow to Convert Hourly Wage to Annual Salary5 min readHow to Calculate Retirement Savings8 min readHow to Calculate Your FIRE Number7 min readHow to Calculate a Car Loan Payment6 min readHow to Calculate Personal Loan APR6 min readRent vs Buy: How to Decide8 min readHow to Calculate Inflation5 min readHow to Calculate Sales Tax, VAT and GST6 min readHow Currency Exchange Rates Work6 min readHow to Calculate CAGR and ROI6 min readDebt Snowball vs Debt Avalanche7 min readFrequently asked questions
Which currencies are supported?
US dollar, British pound, euro, Canadian dollar and Australian dollar on the tools that show a currency selector. The maths is the same in any currency.
Are these calculators financial advice?
No. They are educational estimates. Speak to a qualified adviser and check lender documents before making decisions.
Do you store my financial details?
No. Calculations run in your browser and nothing you enter is sent to our servers.
Why do my lender’s numbers differ slightly?
Lenders may round differently, include fees, escrow or insurance, or use a slightly different day-count. Compare principal-and-interest figures and ask for a Loan Estimate.
Reviewed September 26, 2026 by Thomas M, Registered Investment Adviser (South Carolina), who launched his own financial advisory firm in 2010. See our editorial policy. All tools →