Free money calculators

Plan your debt, loans and investments with clear numbers. No sign-up, and nothing you enter leaves your browser.

✓ 100% free✓ Private, runs in your browser✓ 2026 tax rules✓ No sign-up

Debt & loans

Debt payoff calculatorSnowball vs avalanche: debt-free date and interest saved

Mortgage calculatorFull monthly payment with taxes, insurance and PMI

Refinance break-even calculatorHow long until a lower rate repays closing costs

Credit card payoff calculatorTime and interest to zero, or the payment for a target date

Loan comparison calculatorCompare three offers by total cost, not just payment

Auto loan calculator with trade-inMonthly payment with trade-in, tax and fees

Investing

Compound interest calculatorGrowth with monthly contributions and inflation

Monthly investment calculatorDollar-cost averaging, yearly increases and a goal planner

Retirement withdrawal calculatorHow long your portfolio lasts with inflation-adjusted withdrawals

Roth IRA calculatorRoth vs traditional using your tax rates

FIRE calculatorYour independence number and years to reach it

Taxes

Federal income tax calculator2026 brackets, deductions and effective tax rate

Take-home pay calculatorYour paycheck after federal tax, FICA, state tax and 401(k)

Self-employment tax calculatorFreelancer tax and quarterly estimated payments

Capital gains tax calculatorShort-term and long-term gains tax, plus NIIT

Take-home pay by stateAll 50 states and DC, 2026 rules

How to use these calculators

Enter your own numbers, such as balances, rates and monthly amounts, and the results update instantly. Try changing one input at a time to see what makes the biggest difference, for example an extra $100 a month toward debt or an extra five years of investing.

Every calculator uses simple, steady assumptions, so the results are estimates for planning, not predictions. Lender terms, taxes, fees and market returns will differ in real life.