Free financial calculators
that just work
Loans, savings, debt, investing and retirement — clear answers in seconds. No sign-up, no spreadsheets. Everything runs privately in your browser.
Browse all calculatorsAll calculators
Tap any calculator below — enter your numbers with sliders and get instant results, charts and a plain-English explainer.
Loans
Loan / EMI Calculator
Monthly payment, total interest, and a full amortization schedule.
Open calculatorMortgage Affordability
How much house can you actually afford on your income?
Open calculatorCar Loan Calculator
Auto loan payments including taxes, fees and trade-in.
Open calculatorRent vs Buy Calculator
Is it cheaper to rent or buy a home over your time frame?
Open calculatorMortgage Payoff Calculator
Add extra payments and see how much sooner you’re mortgage-free.
Open calculatorCar Affordability Calculator
How much car you can afford based on income and debts.
Open calculatorHome Equity Calculator
How much equity you have — and could borrow — against your home.
Open calculatorLoan Comparison Calculator
Compare two loan offers side by side — payment and total cost.
Open calculatorMortgage Refinance Calculator
See if refinancing is worth it — savings and break-even time.
Open calculatorRental Property ROI Calculator
Cap rate and cash-on-cash return for a rental property.
Open calculatorInvesting
Compound Interest Calculator
See how money grows with regular contributions over time.
Open calculatorFIRE / Retirement Calculator
When can you retire? Find your financial-independence number.
Open calculatorCoast FIRE Calculator
Have you saved enough to coast to retirement on growth alone?
Open calculatorRetirement Withdrawal Calculator
How long your savings last at a given withdrawal amount.
Open calculatorCAGR Calculator
Find the smoothed annual growth rate between two values.
Open calculatorRetirement Savings by Age Calculator
See how your retirement savings compare to your age.
Open calculatorBarista FIRE Calculator
How much sooner you could semi-retire with part-time income.
Open calculatorSIP Calculator
What a monthly SIP could grow to, with an optional step-up.
Open calculatorLump Sum vs SIP Calculator
Compare investing a lump sum today versus a monthly SIP.
Open calculatorRule of 72 Calculator
How long it takes your money to double at a given rate.
Open calculator401k Calculator
Project your 401(k) balance, including employer match.
Open calculatorRoth vs Traditional IRA Calculator
See which IRA wins after tax, based on your tax rates.
Open calculatorSaving
Savings Goal Calculator
How much to save each month to hit a target by a deadline.
Open calculatorEmergency Fund Calculator
How big your safety net should be, and how long to build it.
Open calculatorDown Payment Savings Calculator
How much to save monthly for a home down payment, and how long.
Open calculatorCollege Savings Calculator
How much to save monthly for a child's college costs.
Open calculatorDebt
Debt Payoff Calculator
Snowball vs avalanche — see which clears debt faster.
Open calculatorCredit Card Payoff
How long to clear a card balance and the interest cost.
Open calculatorDebt-to-Income (DTI) Calculator
See your debt-to-income ratio and how it compares to lender benchmarks.
Open calculatorStudent Loan Payoff Calculator
How long to pay off your student loans and the interest it costs.
Open calculatorDebt Consolidation Calculator
See if consolidating your debts actually saves money.
Open calculatorMoney
Inflation Calculator
What your money will be worth after inflation.
Open calculatorTip & Bill Split Calculator
Split a bill and tip fairly — see exactly what each person pays.
Open calculatorNet Worth Calculator
Add up your assets and liabilities to see where you stand.
Open calculatorIncome Tax Estimator
Estimate your federal tax using progressive brackets.
Open calculatorBreak-Even Calculator
How many units you need to sell to cover your costs.
Open calculatorWedding Budget Calculator
Split your wedding budget across venue, catering and more.
Open calculatorNew Baby Cost Calculator
Estimate the monthly and first-year cost of a new baby.
Open calculatorIncome
Freelancer Rate Calculator
Turn a target salary into the hourly rate you must charge.
Open calculatorSalary to Hourly Calculator
Convert an annual salary to an hourly wage — and back again.
Open calculatorTake-Home Pay Calculator
What you actually keep after tax and pre-tax deductions.
Open calculatorOvertime Pay Calculator
Regular + overtime hours — see your total pay and effective rate.
Open calculatorRaise / Salary Increase Calculator
Work out your raise percentage or new salary instantly.
Open calculatorWhy CalcPenny?
Most money calculators are buried in ads, demand your email, or hide how they reached a number. CalcPenny is the opposite — free, fast, and transparent.
Private by design
Calculations happen in your browser. We never see or store your numbers.
Genuinely useful
Real outputs — amortization schedules, payoff timelines, growth charts — not just a single figure.
Plain-English explainers
Each page teaches the concept so you understand the result, not just read it.
CalcPenny provides general information and estimates only and is not financial advice. Always confirm important decisions with a qualified professional.