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238 free financial calculators

Financial clarity,
calculated.

From your first mortgage to your last required distribution — a curated library of professional-grade calculators that show their work. No sign-up. No spreadsheets. Just clear answers.

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  • Transparent, pro-grade math
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238 Calculators
11 Disciplines
“The same time-value-of-money engine the professionals use — rebuilt to be readable.”
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Estimate a mortgage in seconds

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Inputs
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Estimates only. Adjust any value to recalculate instantly.

Results
Estimated monthly payment $1,820.36 $288,000 financed at 6.50% · 30-year term
Principal & interest $1,820.36
Total interest paid $367,328 128% of principal
Total of payments $655,328
Loan-to-value 80.0% No PMI needed
Payoff time 30 yrs
Where your money goes
Where your money goes Principal: $288kInterest: $367k
  • Principal $288k
  • Interest $367k
Paid per year PrincipalInterest
Paid per year: Principal vs Interest $22k$16k$11k$5.5k$0 Yr 1Yr 6Yr 11Yr 16Yr 21Yr 26

Add an extra monthly payment to see how much interest you could save.

Estimated yearly amortizationView table
YearPrincipalInterestBalance
1$3,219$18,625$284,781
2$3,435$18,410$281,346
3$3,665$18,180$277,682
4$3,910$17,934$273,772
5$4,172$17,672$269,600
6$4,451$17,393$265,148
7$4,749$17,095$260,399
8$5,068$16,777$255,331
9$5,407$16,437$249,924
10$5,769$16,075$244,155
11$6,155$15,689$238,000
12$6,568$15,277$231,432
13$7,008$14,837$224,425
14$7,477$14,367$216,948
15$7,978$13,867$208,970
16$8,512$13,332$200,459
17$9,082$12,762$191,377
18$9,690$12,154$181,687
19$10,339$11,505$171,347
20$11,031$10,813$160,316
21$11,770$10,074$148,546
22$12,559$9,286$135,987
23$13,400$8,445$122,588
24$14,297$7,547$108,291
25$15,255$6,590$93,036
26$16,276$5,568$76,760
27$17,366$4,478$59,394
28$18,529$3,315$40,864
29$19,770$2,074$21,094
30$21,094$750$0
Browse by discipline

Eleven disciplines, 238 tools — from your monthly mortgage and car loan to retirement, investing, tax and debt payoff. Each one shows the full math behind the answer, not just a headline number.

Mortgage Calculators 34 Run the numbers on home loans — payments, refinancing, points, ARMs and the rent-versus-buy question. Auto Calculators 14 Price a vehicle the smart way: loan payments, rebates versus low-interest financing, leasing and early payoff. Loan Calculators 15 Amortizing loans, balloon notes, lines of credit and commercial financing — modelled to the dollar. Credit Cards & Debt 13 Pay down balances faster with snowball and avalanche strategies, consolidation and payoff planning. Savings Calculators 18 Grow what you keep: compound savings, CD ladders, emergency funds and goal-based plans. Investment Calculators 30 Project returns, compare fees, weigh taxable versus tax-deferred and find your asset allocation. Retirement & Planning 47 401(k), Roth, IRA, RMDs and full retirement projections — the deepest set in the library. Tax Calculators 26 Estimate federal tax, marginal rates, self-employment tax and the savings from deductions. Insurance Calculators 16 Size your coverage: human life value, disability, long-term care and comprehensive life analysis. Business Calculators 15 Break-even, cash flow, working capital, valuation and buy-versus-lease for operators and owners. Personal Finance 10 Net worth, budgets, debt-to-income and the everyday math of a healthier financial life.
Most used this month
Mortgage Calculator Use this calculator to determine your monthly mortgage payment and amortization schedule. Car Loan Calculator Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment. Compound Savings Calculator Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth. 401(k) Calculator A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up. Roth IRA Calculator Use this calculator to compare the Roth IRA to an ordinary taxable investment. Amortizing Loan Calculator Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment! Debt Consolidation Calculator Should you consolidate your debt? Use this calculator to find out. Retirement Planner Calculator Quickly determine if your retirement plan is on track - and learn how to keep it there. Future Value Calculator Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits. Net Worth This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years. Savings Goal Calculator What will it take to reach your savings goal? This financial calculator helps you find out. Mortgage Refinance Calculator Should you refinance your mortgage? Use this calculator to determine when you will break even on a mortgage refinance.
Why FinCalculators

Numbers you can trust, explained like you matter.

Most calculators hand you a single figure and hide the math. We show the full picture — every payment, every dollar of interest, every year — so you can actually make the decision.

Every tool is built on the same time-value-of-money conventions lenders and planners use. We publish how each calculator works and the standards behind our guides — so you can check our work, not just trust it.

Layered warm paper with a brass rule and a folded emerald paper detail

Professional-grade math

Excel-compatible PMT, FV and amortization — the conventions lenders and planners rely on.

Instant & interactive

Every result recalculates as you type or drag. Compare scenarios without reloading.

Full schedules, not just totals

Expand any calculator to see the year-by-year breakdown behind the headline.

Reports you can keep

Print any result, email it to yourself, or download a branded PDF — full schedule included.

Context, not just numbers

Each tool pairs with a plain-English guide and glossary, so you learn the why, not just the what.

Private and free

No account, no tracking wall, no paywall. Your numbers stay in your browser.

Common questions
Are the calculators really free?

Yes — all 238 calculators are completely free to use, with no sign-up, no email and no paywall. Run as many as you like, as often as you like.

Do I need to create an account?

No. There is no registration and no login. Open any calculator and start — the numbers you enter never leave your browser.

How accurate are the calculators?

They use the same standard, Excel-compatible finance math — PMT, future value, present value and full amortization — that lenders, planners and accountants rely on. Treat the results as reliable planning estimates; your exact rate, taxes and returns come from a quote or statement.

What can I calculate here?

The library spans 11 disciplines — mortgages, auto, loans, debt, savings, investing, retirement, tax, insurance, business and personal finance. Browse them all on the calculators page.

Can I save, print or email my results?

Yes. Every calculator has a one-click report you can print, email to yourself, or download as a branded PDF — including the full year-by-year schedule.

Is my financial data private?

Completely. Every calculation runs locally in your browser. We do not collect, send or store the figures you enter.

Find the calculator for your decision.

238 tools across mortgages, loans, savings, investing, retirement and more.

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