Finance Calculators
Free tools for mortgages, loans, savings, investments, taxes, and everyday money math. 26 calculators, all instant, no signup.
Personal finance is full of math that nobody should have to do on paper. Whether you’re figuring out if you can afford a house, how long it will take to pay off a credit card, or whether your retirement savings are on track, the numbers matter more than the opinions. These calculators give you the numbers.
Every tool on this page works without an account, without tracking inputs, and without trying to sell you a product afterward. Use them, close the tab, make your decision.
Mortgages, loans, and debt
Work out exactly what a loan will cost you, how long payoff really takes, and what extra payments save you over time. If you’re weighing two offers or planning a refinance, run the numbers both ways before you sign.
- Mortgage Calculator — monthly payment, total interest, full amortization
- Amortization Calculator — payment-by-payment schedule for any fixed loan
- Loan Calculator — general-purpose loan math with adjustable terms
- Auto Loan Calculator — car finance including tax, fees, and trade-in
- Credit Card Payoff Calculator — payoff timelines and interest saved with extra payments
- Debt Payoff Calculator — snowball vs avalanche strategies compared
Savings and investing
Compounding is the single most powerful force in personal finance and the one most people underestimate. These calculators show you exactly what your money does over time, so you can choose contribution levels and time horizons based on real numbers.
- Compound Interest Calculator — watch money grow year over year
- Retirement Calculator — project savings to retirement age with realistic returns
- Investment ROI Calculator — return on investment with gain, loss, and annualized rate
- Net Worth Calculator — assets minus liabilities, the one number that matters most
- Savings Goal Calculator — how much to save monthly to hit a target
- Simple Interest Calculator — quick math for short-term loans and bonds
Income, taxes, and inflation
Real purchasing power is what matters, not nominal dollars. These tools help you compare job offers, estimate taxes, and adjust for the silent drag of inflation on everything you plan to buy.
- Salary to Hourly Calculator — convert annual pay to real hourly rate
- Sales Tax Calculator — pre-tax, post-tax, and rate math for any purchase
- Inflation Calculator — what past money is worth today, and vice versa
- Tip Calculator — fast tip and split math for any bill
- Discount Calculator — sale price, percent off, and savings on any item
Growth, risk, and currency
Business and investment decisions need comparable numbers across time, accounts, and currencies. These calculators give you the underlying math behind good calls.
- CAGR Calculator — compound annual growth rate for any investment or business metric
- Emergency Fund Calculator — how many months of expenses you should keep liquid
- Debt-to-Income Ratio Calculator — the ratio lenders actually care about
- Currency Converter — live rates across 150+ currencies
All 21 finance calculators on CalcMojo are free, browser-based, and open in a new tab from your results. No login, no email capture, no data retention of the values you type in. Bookmark this page and come back whenever the numbers matter.