Financial calculators
Fast, accurate financial calculators that run 100% in your browser. Private, free, and zero sign-up required.
🔒 100% private in browser38 calculators
Instant calculations
HP 12C Calculator Online
Classic RPNInteractive HP 12C financial calculator emulator with complete RPN logic, TVM solving, and amortization schedules.
⚡Hardware EmulatorsOpen →
TI BA II Plus Simulator
CFA ExamOnline Texas Instruments BA II Plus financial calculator simulator for CFA, CFP, and TVM calculations.
⚡Hardware EmulatorsOpen →
Compound Interest Calculator
Simulate compound interest over time with recurring contributions.
📈Finance & InvestmentOpen →
Daily Compound Interest
Calculate daily compounding acceleration with day-by-day interest growth and flexible additions.
📈Finance & InvestmentOpen →
TVM Calculator
Solve for present value, future value, interest rate, payments, or time periods in seconds.
📈Finance & InvestmentOpen →
Savings Goal Calculator
Find out exactly how much you need to save each month to hit your financial milestone.
📈Finance & InvestmentOpen →
ROI Calculator
Measure the net percentage return and annualized profitability of any investment.
📈Finance & InvestmentOpen →
Stock Return Calculator
Calculate total gains, annualized return (CAGR), and dividend growth for any stock or fund.
📈Finance & InvestmentOpen →
Dividend Calculator
Forecast your passive dividend income and the power of automatic dividend reinvestment (DRIP).
📈Finance & InvestmentOpen →
Inflation Calculator
Measure purchasing power erosion and future buying value over time.
📈Finance & InvestmentOpen →
Paycheck Calculator
Calculate gross-to-net paycheck after federal, state, and payroll deductions.
📈Finance & InvestmentOpen →
Net Worth Tracker
Track your complete financial health by subtracting total debts and liabilities from assets.
📈Finance & InvestmentOpen →
Emergency Fund Calculator
Determine your ideal cash safety cushion based on your essential monthly living expenses.
📈Finance & InvestmentOpen →
Investment Fee Calculator
Reveal how hidden management fees and expense ratios reduce your long-term retirement wealth.
📈Finance & InvestmentOpen →
College Savings (529)
Project tuition costs and model tax-advantaged 529 savings to fund future education.
📈Finance & InvestmentOpen →
Crypto DCA Calculator
CryptoSimulate dollar-cost averaging (DCA) into Bitcoin, Ethereum, and crypto assets with recurring purchases.
📈Finance & InvestmentOpen →
CAPM Calculator
Calculate the expected rate of return for an asset using Capital Asset Pricing Model based on beta.
📈Finance & InvestmentOpen →
Loan Calculator
Calculate monthly loan payments, total interest, and amortization schedule.
🏠Loan & MortgageOpen →
Mortgage Calculator
Calculate monthly mortgage payments including principal, interest, taxes, and PMI.
🏠Loan & MortgageOpen →
Debt Consolidation Calculator
Compare multiple credit cards and loans against a single consolidation loan to calculate monthly and interest savings.
🏠Loan & MortgageOpen →
Debt Snowball vs Avalanche
Compare Debt Snowball vs. Avalanche to see which payoff order eliminates balances fastest.
🏠Loan & MortgageOpen →
Loan Refinance Calculator
Find your break-even point and discover if a lower interest rate offsets closing costs.
🏠Loan & MortgageOpen →
Student Loan IDR Calculator
Compare standard and income-driven repayment plans (IDR/SAVE) to lower monthly payments.
🏠Loan & MortgageOpen →
Debt-to-Income (DTI) Calculator
Check your debt-to-income ratio against bank lending standards before applying for a loan.
🏠Loan & MortgageOpen →
APR Calculator
Uncover true borrowing costs by factoring upfront lender fees into nominal interest rates.
🏠Loan & MortgageOpen →
Rent vs Buy Calculator
Compare homeownership equity against renting and investing the difference.
🏠Loan & MortgageOpen →
Home Affordability Calculator
Determine your maximum home purchase budget based on income, down payment, and monthly debt.
🏠Loan & MortgageOpen →
Credit Card Payoff Calculator
Calculate how long minimum payments take to clear and how much extra payments save on interest.
💳Credit Card & AutoOpen →
Auto Loan Calculator
Determine monthly car payments, dealer fees, interest, and payoff term.
💳Credit Card & AutoOpen →
401(k) Contribution Calculator
Maximize employer match and tax-advantaged retirement wealth.
⏳RetirementOpen →
Social Security Estimator
Estimate monthly Social Security retirement benefits and find your optimal claiming break-even age.
⏳RetirementOpen →
FIRE Calculator
Calculate your Financial Independence number and exact early retirement date across Lean, Standard, and Fat FIRE.
⏳RetirementOpen →
Superannuation Calculator
Project Australian superannuation nest egg growth, employer guarantee contributions, and retirement income.
⏳RetirementOpen →
Roth vs Trad IRA
Compare upfront tax deductions versus tax-free retirement withdrawals to choose the right IRA.
⏳RetirementOpen →
Retirement Planner
Forecast your retirement nest egg and safe withdrawal rates.
⏳RetirementOpen →
Snowball vs Avalanche Decision
ComparisonCompare Debt Snowball vs. Avalanche strategies side-by-side to minimize total interest or maximize motivation.
⚖️Comparisons & DecisionsOpen →
Roth vs Traditional IRA Guide
ComparisonCompare tax deductions, income limits, and tax-free retirement growth between Roth and Traditional IRAs.
⚖️Comparisons & DecisionsOpen →
APR vs Nominal Rate Analysis
ComparisonUnderstand how upfront fees, points, and compounding frequency separate nominal rates from true APR.
⚖️Comparisons & DecisionsOpen →
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Real-World Answers
What financial question are you trying to answer?
Select your current financial crossroad to get immediate math-backed insights.
⚡
"I have multiple debts. How do I pay them off fastest?"
Simulate and compare the Debt Snowball vs. Debt Avalanche strategies using your own numbers. Calculate exactly how many months and how much interest you will save.
ComparisonCompare Payoff Strategies →
📈
"Should I put my savings in a Roth or Traditional IRA?"
Model your ending portfolio values by comparing pre-tax versus post-tax compounding growth based on your current marginal tax bracket and expected retirement tax rate.
Tax StrategyRun IRA Tax Comparison →
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"How much house can I actually afford to purchase?"
Avoid the standard online traps. Determine your safe purchasing budget based on the 28/36 rule, incorporating down payments, local taxes, insurance, and HOA fees.
Mortgage MathCalculate Home Affordability →
🏷️
"How much do closing costs and fees increase my rate?"
Lenders advertise low nominal interest rates, but closing fees raise your actual cost. Factor in all fees to calculate your true Annual Percentage Rate (APR).
Hidden FeesCalculate True Loan APR →
🚗
"Will sales tax and auto fees exceed my down payment?"
Calculate out-of-pocket costs for a car loan. Grade your loan structure against the 20/4/10 rule of thumb to see if you risk going underwater on the vehicle.
Car LoanAnalyze Auto Financing →
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"How much interest will I pay if I only pay minimums?"
Avoid the credit card minimum payment trap. Discover how many years it will take to be debt-free and calculate the massive interest savings from paying even $50 more.
Debt FreeSimulate Credit Payoff →