MoneyCalc
Free personal finance calculators that show the maths
69 free calculators for personal finance calculators. Every one runs in your browser — nothing you type is uploaded, stored or tracked.
Free, private, no sign-up
Loans & debt
Mortgage Calculator
Monthly payment and total interest.
Mortgage Amortization Schedule
Year-by-year balance and interest.
Auto Loan Calculator
Car payment with down payment and trade-in.
Personal Loan Calculator
Monthly payment and true cost.
Student Loan Calculator
Repayment and the effect of extra payments.
Credit Card Payoff Calculator
How long to clear a card balance.
Debt Payoff Calculator
Snowball versus avalanche, compared.
Debt-to-Income Ratio Calculator
How lenders see your borrowing capacity.
Car Payment Calculator
Monthly auto loan payment and true cost.
Mortgage Refinance Calculator
Will refinancing pay off, and when?
Extra Payment / Loan Payoff Calculator
See how much an extra payment saves.
Credit Utilization Calculator
Utilisation ratio and how to hit your target.
Mortgage Payoff Calculator
How much sooner can you own your home?
Credit Card Interest Calculator
What your balance really costs you.
Minimum Payment Calculator
The true cost of paying only minimums.
Loan Comparison Calculator
Two loan offers, side by side.
Balloon Payment Calculator
Low monthly payments — and the lump sum at the end.
Car Lease vs Buy Calculator
Which really costs less over the years you keep it?
Car Depreciation Calculator
How fast your car loses value, year by year.
Debt Snowball vs Avalanche Calculator
Two payoff methods, compared on time and interest.
Savings & investing
Compound Interest Calculator
Grow a lump sum plus monthly deposits.
Savings Goal Calculator
How long or how much to hit a target.
Retirement Calculator
Project your nest egg at retirement.
Retirement Withdrawal Calculator
Safe income from your nest egg.
Investment Return (CAGR) Calculator
Annualised return between two values.
ROI Calculator
Return on investment, in percent.
Emergency Fund Calculator
How big a safety net you need.
APY Calculator
Turn a nominal rate into true annual yield.
CD Calculator
Certificate of deposit value at maturity.
401(k) Calculator
Balance at retirement, with employer match.
Dividend Income Calculator
Income from dividend-paying shares.
Stock Profit Calculator
Profit, loss and return on a share trade.
Inflation Calculator
What money buys after inflation.
Savings Rate Calculator
What share of your income you keep.
College Savings Calculator
Will your education fund cover the bill?
Real Return Calculator
Your return after inflation, not before.
Income & salary
Salary to Hourly Calculator
Turn an annual salary into an hourly rate.
Hourly to Salary Calculator
Turn an hourly wage into a yearly salary.
Overtime Pay Calculator
Extra pay from overtime hours.
Take-Home Pay Calculator
Net pay after tax and deductions.
Salary Increase Calculator
What a raise is really worth.
Job Offer Comparison Calculator
Two offers compared on real, take-home value.
Hourly Rate Comparison Calculator
Compare two hourly rates on real hours worked.
Bonus Tax Calculator
What you actually keep from a bonus.
Raise vs Inflation Calculator
Is your pay rise really a pay rise?
Budget & big purchases
Budget Calculator (50/30/20)
Split income into needs, wants, savings.
Net Worth Calculator
Assets minus debts, in one number.
Home Affordability Calculator
How much house you can afford.
Car Affordability Calculator
A sensible car budget, all-in.
Down Payment Calculator
Save your way to a house deposit.
Rent Affordability Calculator
How much rent you can handle.
Rent vs Buy Calculator
Compare the real cost of renting and owning.
Unit Price Calculator
Which size or pack is the better value?
Wedding Budget Calculator
Build a wedding budget from the guest list up.
Vacation Budget Calculator
Total cost of a trip, down to the day.
Business & freelancing
Insurance & protection
Everyday money
Tip Calculator
Tip and total, split fairly.
Discount Calculator
Sale price and money saved.
Sales Tax Calculator
Add or remove sales tax.
Gas Cost / Trip Fuel Calculator
Fuel cost and split for a trip.
Split Bill Calculator
Share a bill evenly, minus tips.
Percentage Calculator
Percent of, percent change, and more.
Currency Converter (your own rate)
Convert any two currencies with the rate you supply.
Fuel Cost Per Mile Calculator
What each mile of driving costs you.
Guides
All guides →Plain-English explainers on the questions behind the numbers — each one links to the calculator that answers it.
- How much house can I afford? A lender's view and a realistic view
- How to pay off credit card debt: snowball vs avalanche
- The 50/30/20 budget rule, and when to break it
- How much emergency fund do you actually need?
- Rent vs buy: the costs the standard advice leaves out
- How compound interest actually works (with real numbers)
About MoneyCalc
Free personal finance calculators for mortgages, loans, car payments, debt payoff, refinancing, compound interest, APY, retirement, 401(k), dividends, salary, budgeting, rent vs buy, life insurance needs and everyday money. Instant, private, no sign-up.
Each calculator explains the formula behind the number, how to read the result and where its limits lie — because a figure without context is not much use. Everything is calculated locally on your device, so sensitive numbers never leave your browser.
MoneyCalc provides general information only and is not financial, investment, tax or legal advice. Always consult a qualified professional about your own situation.