Free Financial Calculators
12 free calculators that answer real money questions. Private, no signup, instant results.
Analyze
Understand where you stand today
Financial Health ScorePopular
“How healthy are my finances?”
Get a 0–1000 financial wellness score across 6 dimensions, a letter grade, and a personalized action plan.
- ✓Score across 6 dimensions (savings, debt, emergency, investments, insurance, stability)
- ✓Letter grade from A+ to F
- ✓Percentile ranking vs your age group
- ✓Top 5 prioritized action items
Net Worth Calculator
“What is my net worth and how do I compare?”
Add up your assets and debts to get your real net worth, then see how you compare to Americans your age.
- ✓Asset and liability breakdown charts
- ✓Percentile ranking by age (Federal Reserve data)
- ✓What-if scenarios for debt payoff
- ✓Peer comparison benchmarks
50/30/20 Budget CalculatorPopular
“How should I budget my paycheck?”
Split your take-home pay into needs, wants, and savings with the 50/30/20 rule — and see where your real spending lands.
- ✓Instant 50/30/20 split of your income
- ✓Compare your actual spending to the targets
- ✓Category-by-category suggestions
- ✓Works with monthly or annual income
Take-Home Pay Calculator
“How much will my paycheck be after taxes?”
Estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, state tax, and 401(k) contributions.
- ✓2026 federal tax brackets for all filing statuses
- ✓Social Security and Medicare (FICA) included
- ✓Pre-tax 401(k) and state tax inputs
- ✓Per-paycheck, monthly and annual views
Plan
Grow savings and plan for the future
Retirement Savings Calculator
“Am I saving enough for retirement?”
Find out if you're saving enough to retire, with employer match, inflation, and a Retirement Confidence Score.
- ✓Confidence score (0–100%) with visual gauge
- ✓Savings growth chart (nominal vs inflation-adjusted)
- ✓Monthly savings gap calculation
- ✓Employer match optimization insights
Compound Interest CalculatorPopular
“How much will my money grow?”
See how your savings and investments grow over time with compound interest and regular monthly contributions.
- ✓Monthly, quarterly or annual compounding
- ✓Recurring monthly contributions
- ✓Year-by-year growth chart and table
- ✓Contributions vs interest earned breakdown
Emergency Fund Calculator
“How much emergency fund do I need?”
Get a personalized emergency fund target based on your expenses, job stability, and household — not a generic “3–6 months.”
- ✓Risk-adjusted target in months and dollars
- ✓Minimum, comfortable and fortress tiers
- ✓Monthly savings needed to reach your goal
- ✓Factors in income stability and dependents
Borrow
Borrow smarter and get out of debt
Debt Payoff Calculator
“How fast can I pay off my debt?”
Compare the Snowball and Avalanche methods, see your debt-free date, and find out how much interest you can save.
- ✓Side-by-side Snowball vs Avalanche comparison
- ✓Debt-free date and total interest breakdown
- ✓Payoff milestone timeline
- ✓Remaining balance chart over time
Mortgage CalculatorPopular
“What will my monthly mortgage payment be?”
Calculate your monthly mortgage payment including principal, interest, property tax, insurance, PMI, and HOA.
- ✓Full PITI payment with PMI and HOA
- ✓Amortization chart and yearly schedule
- ✓Total interest over the life of the loan
- ✓See how extra payments shorten your loan
Auto & Personal Loan Calculator
“What will my loan payment be?”
Calculate the monthly payment and total interest for a car loan or personal loan, and compare loan terms side by side.
- ✓Monthly payment and total interest
- ✓Compare 36, 48, 60 and 72-month terms
- ✓Trade-in, down payment and sales tax for car loans
- ✓Balance payoff chart
Decide
Make big life decisions with confidence
Rent vs Buy Calculator
“Should I rent or buy a home?”
Compare the true total cost of renting vs buying a home and find your break-even point.
- ✓Data-driven rent/buy verdict
- ✓Break-even point calculation
- ✓Cumulative cost comparison chart
- ✓Equity buildup & opportunity cost of down payment
Cost of Living Calculator
“How much do I need to earn in another city?”
Compare the cost of living between 30 major US metros and find the salary you need to keep your lifestyle.
- ✓30 US metro areas
- ✓5-category breakdown (housing, food, transport, healthcare, utilities)
- ✓Equivalent salary calculation
- ✓State income tax impact