Free Financial Tools

20 free calculators to help with budgeting, debt payoff, saving, retirement, and major financial decisions. No sign-up, no data stored — everything runs right in your browser.

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50/30/20 Budget Calculator

Enter your take-home pay and instantly see suggested amounts for needs, wants, and savings.

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Emergency Fund Calculator

Find out how much your emergency fund should hold based on your monthly essential expenses.

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Debt Payoff Calculator

See how long it takes to pay off a balance and the total interest, based on your monthly payment.

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Compound Interest Calculator

Project how an investment grows over time with regular contributions and compounding returns.

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Savings Goal Calculator

Turn any savings goal into a required monthly contribution based on your target date.

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Credit Card Payoff Calculator

Compare paying only the minimum vs. a fixed payment amount on a credit card balance.

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Take-Home Pay Estimator

A simplified estimate of net pay after typical tax withholding — a starting point, not a paycheck replacement.

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Net Worth Calculator

Add up your assets and liabilities to see your current net worth in one number.

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Debt-to-Income Ratio Calculator

Calculate your DTI ratio, a key number lenders use when reviewing mortgage and loan applications.

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Mortgage Payment Calculator

Estimate your monthly principal and interest payment for a home loan.

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Auto Loan Calculator

Estimate your monthly car payment based on loan amount, rate, and term.

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Retirement Savings Projector

Project your retirement account balance at a target age based on current savings and contributions.

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Rent vs. Buy Calculator

Compare the estimated 5-year cost of renting vs. buying a home in your situation.

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Tip & Bill Split Calculator

Quickly calculate a tip amount and split a bill evenly among a group.

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Credit Utilization Calculator

Calculate your credit utilization ratio across one or all of your cards.

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Life Insurance Needs Calculator (DIME Method)

Estimate a reasonable life insurance coverage amount using the DIME method.

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401(k) Match Calculator

See exactly how much free employer match money you might be leaving on the table.

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Loan Payoff Accelerator

See how much time and interest an extra monthly payment saves on any loan.

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Inflation Impact Calculator

See what today's money will be worth in the future after accounting for inflation.

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College Savings (529) Calculator

Project a 529 plan balance based on years until college and monthly contributions.

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