Finance calculators that show their work
Free, transparent tools for the money decisions that matter — mortgages, loans, compound growth, and retirement. Every result comes with the formula behind it, so you can trust the number.
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Loans & Mortgages
Understand the true cost of borrowing — monthly payments, total interest, refinancing break-evens, and how much home or car you can afford.
- Mortgage CalculatorEstimate your monthly mortgage payment and see how much of it goes to interest over the life of the loan.
- Down Payment & PMI CalculatorSee how your down payment affects the loan, the monthly payment, and whether you'll pay PMI (under 20% down).
- Auto Loan CalculatorWork out the monthly payment and total interest on a car loan, including any down payment or trade-in.
- Personal Loan CalculatorSee the true cost of a personal loan — monthly payment, total interest, and APR-driven payoff math.
- Mortgage Refinance CalculatorFind out whether refinancing pays off — your new payment, monthly savings, and the break-even point on closing costs.
- Credit Card Payoff CalculatorSee how long it takes to clear a credit card balance at a fixed monthly payment — and the total interest it costs.
- Home Affordability CalculatorEstimate the home price you can afford using the 28/36 rule, your income, debts, and down payment.
- Car Affordability CalculatorEstimate the car price you can comfortably afford using the 20/4/10 rule, your income, and down payment.
- Rent vs Buy CalculatorCompare the multi-year cost of renting against buying, accounting for equity, appreciation, and rising rent.
- Debt Snowball vs Avalanche CalculatorCompare two debt-payoff strategies side by side — which clears your balances faster and cheaper.
- Debt-to-Income (DTI) Ratio CalculatorCalculate the debt-to-income ratio lenders use to approve loans — your front-end and back-end DTI against the 28/36 and 43% limits.
Saving & Investing
See how money grows over time with compounding, plan toward a goal, and understand the real effect of rates and inflation.
- Compound Interest CalculatorProject how savings grow over time with compounding and optional regular contributions.
- Savings Goal CalculatorWork out the monthly contribution needed to reach a savings target by a chosen date, accounting for growth.
- Future & Present Value CalculatorCompute the future value of money today, or the present value of a future sum — the core time-value-of-money math.
- Inflation CalculatorSee how inflation erodes buying power over time — what today's money will be worth, and what things will cost.
- Net Worth CalculatorAdd up what you own and subtract what you owe to see your total net worth at a glance.
- Emergency Fund CalculatorFind your target emergency fund based on monthly expenses, and how long it takes to get there.
- APR to APY CalculatorConvert a nominal annual rate (APR) into the effective annual yield (APY) for any compounding frequency.
- Rule of 72 CalculatorEstimate how many years it takes to double your money at a given return — and the rate needed to double it by a target date.
- CD Ladder CalculatorBuild a CD ladder — split savings across staggered maturities for steady access plus higher long-term rates.
- CD CalculatorSee the maturity value and interest earned on a certificate of deposit at a given APY and term.
- ROI & Annualized Return (CAGR) CalculatorCalculate total return on an investment and its annualized growth rate (CAGR) from a starting and ending value.
- Invest vs Pay Off Debt CalculatorCompare paying off debt against investing the same money — the guaranteed return of debt payoff vs your expected market return.
- Simple vs Compound Interest CalculatorSee the difference between simple and compound interest on the same balance — and how the gap widens over time.
Retirement
Project your nest egg and compare account types, from 401(k) matching to the Roth-versus-Traditional tax question.
- Retirement Savings CalculatorEstimate your nest egg at retirement based on current savings, monthly contributions, and expected returns.
- 401(k) Contribution CalculatorProject your 401(k) balance from your contribution rate, employer match, and expected returns.
- Roth vs Traditional IRA CalculatorCompare the after-tax retirement value of Roth and Traditional contributions based on your tax rates.
- Retirement Drawdown CalculatorFind out how long your retirement savings will last at a given monthly withdrawal — and what a sustainable amount looks like.
Income & Taxes
Turn a salary into what actually lands in your account — convert wages, estimate take-home pay, and compare effective rates.
- Hourly to Salary CalculatorConvert an hourly wage to annual, monthly, biweekly, and weekly pay — and back again.
- Take-Home Pay CalculatorEstimate your net paycheck after federal income tax, FICA, state tax, and pre-tax deductions.
- Federal Income Tax CalculatorSee your 2026 federal income tax bracket-by-bracket, plus your marginal and effective tax rates.
- Pay Raise CalculatorTurn a raise percentage into your new salary, and see what it's really worth after inflation.
Insurance & Protection
Size the safety net your family needs — how much life insurance coverage protects your income, debts, and dependents.
- Life Insurance Needs CalculatorEstimate how much life insurance coverage your family needs using the DIME method — debts, income, mortgage, and education.
- Home Insurance Coverage CalculatorEstimate the homeowners insurance coverage you need — dwelling, other structures, personal property, loss of use, and liability.
Why CalcHub?
Most online calculators hand you a number and hide the math. We do the opposite. Every calculator on CalcHub explains the formula it uses, states its assumptions, and reminds you where a real professional should weigh in. These are educational estimates built to help you understand the trade-offs — not to sell you a product or collect your details.
Money guides
Plain-English explainers behind the calculators — the math and the trade-offs that matter. See all guides →
- How Much House Can You Really Afford?A plain-English walkthrough of the 28/36 rule, the costs lenders overlook, and how to set a home budget you can actually live with.
- Roth vs Traditional: Which Retirement Account Wins?Pay tax now or later? Understand how Roth and Traditional accounts differ, and the simple question that decides which is better for you.
- The Time Value of Money: Why Starting Early Beats Saving MoreCompounding rewards time more than effort. See why a head start can outweigh much larger contributions made later — and what that means for you.
- Debt Snowball vs Avalanche: Which Payoff Method Wins?Two proven ways to escape debt. One saves the most money; the other keeps you motivated. Here's how to choose — and why consistency beats both.
- Emergency Funds 101: How Big Should Yours Be?Why a cash cushion is the foundation of every financial plan, how to size yours, and where to keep it so it's there when you need it.
- Where Does Your Paycheck Go? Understanding Take-Home PayGross pay is never what lands in your account. A clear breakdown of federal tax, FICA, state tax, and the pre-tax deductions that shrink — and grow — your money.
- Mortgage Basics: What Your Monthly Payment Really IncludesPrincipal, interest, taxes, insurance, PMI — a clear breakdown of every piece of a mortgage payment and how amortization shifts over the life of the loan.
- How Much Should You Save? A Practical FrameworkFrom the 50/30/20 rule to retirement targets, a grounded way to set a savings rate you can actually sustain — and where each dollar should go first.
- Your Debt-Free Roadmap: A Step-by-Step PlanA clear, ordered plan to get out of debt for good — from a starter safety net to choosing a payoff method to staying out once you're free.
- Investing Basics: How to Start Growing Your MoneyA jargon-free primer on why investing beats saving alone, what compound growth really does, and the simple, low-cost way most people get started.
- Leasing vs Buying a Car: Which Actually Costs Less?Lower monthly payments vs building ownership — how leasing and buying really compare, the hidden costs of each, and who each option suits.
- Term vs Whole Life Insurance: What's the Difference?Pure protection vs lifelong coverage with a cash value — how term and whole life insurance differ, what each really costs, and which most families actually need.
- Car Insurance Explained: What Coverage Do You Actually Need?Liability, collision, comprehensive, uninsured-motorist — what each car-insurance coverage does, why state minimums are rarely enough, and how to choose limits and deductibles.
- How to Build Credit (and Understand Your Score)What actually moves your credit score, how to build it from scratch or repair it, and why a better score quietly saves you thousands on every loan.
- What Is FIRE? A Beginner's Guide to Financial IndependenceFinancial Independence, Retire Early explained — the savings-rate math, the 25× rule, the variations, and the honest trade-offs behind the movement.
- The HSA: The Most Tax-Advantaged Account You're Not UsingA Health Savings Account offers a rare triple tax advantage — and can double as a stealth retirement account. How HSAs work, who qualifies, and how to use one well.
- Renters Insurance: Cheap Protection Most Renters SkipWhy renters insurance is one of the best dollar-for-dollar policies you can buy — what it covers, what it doesn't, and how to pick coverage amounts.
- Budgeting 101: A Simple System That Actually SticksBudgets fail when they're complicated. Here's a simple, flexible system — the 50/30/20 framework, how to set it up, and how to keep it going.
- Disability Insurance: Protecting Your Biggest Asset — Your IncomeYour ability to earn is likely your largest asset, yet few insure it. How disability insurance works, short- vs long-term, and how much coverage to aim for.
- When Does Refinancing Actually Make Sense?Refinancing isn't free — it's a bet on the break-even point. How to know if a refi pays off, the rate-drop rule of thumb, and the trap of resetting your loan term.
- Sinking Funds: How to Stop Big Expenses From Wrecking Your BudgetA sinking fund saves a little each month for known future costs — car repairs, holidays, insurance premiums — so they never become emergencies. How to set them up.
- What Actually Counts as an Emergency?An emergency fund only works if you protect it. A simple test for what qualifies, what doesn't, and how to replenish the fund after you use it.
- 15- vs 30-Year Mortgage: Which Term Should You Choose?A shorter term saves a fortune in interest; a longer one buys flexibility. How the two compare, who each suits, and the strategy that captures both.
- What's a Good Interest Rate? (For Loans and Savings)"Good" depends on whether you're borrowing or saving, and on benchmarks like the Fed rate and inflation. How to judge a rate you're offered — APR vs APY.
- Side Income & Taxes: What Freelancers and Gig Workers OweSelf-employment income isn't taxed like a paycheck. Quarterly estimates, self-employment tax, deductions, and how to set aside the right amount.
Frequently asked questions
- Are these calculators free to use?
- Yes — every calculator and guide on the site is completely free, with no sign-up and no limits. The site is supported by unobtrusive display ads.
- Do you collect or store the numbers I enter?
- No. Every calculation runs entirely in your browser. The figures you type are never sent to a server or saved, and we don't ask for any personal information.
- Is this financial advice?
- No. The calculators provide educational estimates to help you understand the math behind a decision. They aren't financial, tax, or investment advice — for decisions about your situation, consult a licensed professional.
- How accurate are the calculators?
- Each uses standard, widely-published financial formulas, and every page documents the exact method and its assumptions. Results are precise for those inputs, but real life adds variables (taxes, fees, rate changes) that a simple model can't capture.
- Why do you show the formula on every page?
- Because you shouldn't have to trust a black box with money decisions. Showing the math lets you verify the result and understand the trade-offs, not just read a number.