Free Financial Calculators
Every calculator is free, requires no sign-up, and collects no data. Built to help you make better financial decisions — not to sell you anything.
Borrowing & Debt Calculators
Loan Payment Calculator
Calculate your true monthly payment, total interest cost, and what extra payments save you.
Debt Payoff Calculator
Compare avalanche vs snowball. Find your exact debt-free date and total interest saved.
Mortgage Calculator
Calculate your monthly mortgage payment, amortization schedule, and true cost of homeownership.
Home Affordability Calculator
See how much house you can actually afford based on income, debts, and down payment.
Rent vs Buy Calculator
See the true cost of each choice — break-even year, opportunity cost of your down payment, and an honest verdict even if renting wins.
Investing & Growth Calculators
Compound Interest Calculator
See how your money grows over time — and what expense ratios silently steal back.
Roth vs Traditional IRA Calculator
Find out which account wins for your tax situation — with the break-even rate most calculators don't show you.
Opportunity Cost Calculator
See what skipping small daily expenses could be worth if invested instead.
Planning & Budgeting Calculators
50/30/20 Budget Calculator
Apply the 50/30/20 rule to your income and connect your savings rate to your FIRE timeline.
Emergency Fund Calculator
Find your ideal emergency fund size based on income, expenses, and risk tolerance.
Net Worth Calculator
See your total and liquid net worth, your age percentile vs Federal Reserve data, and how far you are from financial independence.
Inflation Calculator
See what today's money will be worth in the future — and what past dollars are worth now.
Retirement & FIRE Calculators
RetireSmart — Retirement Calculator
Full retirement projections with Monte Carlo simulation, income events, and year-by-year planning.
FIRE Number Calculator
Calculate your financial independence number using the 4% rule and model your earliest possible retirement date.
Healthcare FIRE Calculator
Model ACA subsidy cliffs and healthcare costs in early retirement — the #1 planning gap for FIRE seekers.
Savings Rate Calculator
See how your savings rate maps to financial independence — and how it compares to your peers, age group, and other countries.