Free financial calculators
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Loans, savings, debt, investing and retirement — clear answers in seconds. No sign-up, no spreadsheets. Everything runs privately in your browser.
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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 calculator1% Rule Calculator
Quick check: does the rent clear 1% of the purchase price?
Open calculatorBiweekly Mortgage Payment Calculator
How much biweekly payments save versus monthly.
Open calculatorAuto Lease Calculator
Estimate your monthly car lease payment and total cost.
Open calculatorMortgage Recast vs Refinance Calculator
Compare a lump-sum recast against refinancing — fees and break-even time.
Open calculatorRental Property Investment Analyzer
Full pro forma: financing, vacancy, taxes, IRR and sale proceeds.
Open calculatorMurabaha / HPSM Calculator
Islamic bank HPSM installment, profit and early-settlement balance.
Open calculator1031 Exchange Calculator
Estimate taxable boot, deferred gain and basis for a like-kind exchange.
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 calculatorHSA Calculator
Project your HSA balance and the tax savings from it.
Open calculatorCD Calculator
What a Certificate of Deposit will be worth at maturity.
Open calculatorSimple Interest Calculator
Interest on the original principal only, no compounding.
Open calculatorFD Calculator
What a Fixed Deposit will be worth at maturity.
Open calculatorStock Average Price Calculator
Average cost per share across multiple purchases.
Open calculatorSolo 401(k) Calculator
Maximum employee and employer contributions for the self-employed.
Open calculatorMonte Carlo Retirement Calculator
The probability your savings last, simulated across thousands of market paths.
Open calculatorRMD Calculator
Your required minimum distribution, tax impact, and future schedule.
Open calculatorTax-Loss Harvesting Calculator
The tax benefit from realized losses, plus a wash-sale rule check.
Open calculatorSanchayapatra Return & Tax Calculator
Compare 5-Year, Family and Pensioner Sanchayapatra — profit, tax and early encashment.
Open calculatorRoth Conversion Tax Calculator
Weigh a Roth conversion's tax cost against future tax-free growth and IRMAA impact.
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 calculatorHome Renovation Cost Calculator
Budget a remodel with contingency, and how much to save monthly.
Open calculator529 Plan Calculator
Project 529 growth, college-year withdrawals, and any funding gap.
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 calculatorCredit Utilization Calculator
Your credit utilization ratio, and how much to pay down to hit a target.
Open calculatorStudent Loan IDR + PSLF Calculator
Compare income-driven repayment forgiveness against PSLF — cost and tax bomb.
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 calculatorMoving Cost Calculator
Estimate your total cost for an upcoming move.
Open calculatorPet Cost Calculator
Estimate the monthly and annual cost of owning a pet.
Open calculatorLife Insurance Needs Calculator
Estimate how much coverage you need using the DIME method.
Open calculatorStartup Runway Calculator
How many months your business can run at its burn rate.
Open calculatorCar Cost of Ownership Calculator
The real cost of owning a car — insurance, fuel, maintenance and depreciation.
Open calculatorCost of Living Calculator
What salary you'd need in a new city to keep the same lifestyle.
Open calculatorCommute Cost Calculator
The real annual cost of your commute — fuel, parking and tolls.
Open calculatorBusiness Valuation Calculator
Value a business with DCF and revenue/EBITDA multiples, with a sensitivity range.
Open calculatorBangladesh VAT Calculator
VAT-inclusive and exclusive pricing, discounts, Supplementary Duty and invoice totals.
Open calculatorSME Working Capital Limit Calculator
The working capital gap and recommended cash credit limit for a small business.
Open calculatorLC Import Cost Calculator
Total landed cost of an LC import — freight, duty, VAT, AIT and bank charges.
Open calculatorBank Guarantee / LC Commission Calculator
Total commission, VAT, stamp duty and charges for a bank guarantee or LC.
Open calculatorLand Registration Cost Calculator
Total cash needed to register land — fees, stamp duty, taxes and legal costs.
Open calculatorACA Marketplace Subsidy Calculator
Estimate your premium tax credit from income, family size and plan cost.
Open calculatorMedicare IRMAA Calculator
Estimate your Part B and Part D IRMAA surcharge from your MAGI.
Open calculatorACA vs Employer Health Plan Calculator
Total annual cost — employer plan vs a subsidized Marketplace plan.
Open calculatorMACRS Depreciation Calculator
A business asset's depreciation schedule — Section 179, bonus and MACRS.
Open calculatorEstate & Gift Tax Calculator
Project your taxable estate and estimated federal estate tax exposure.
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 calculatorQuarterly Estimated Tax Calculator
Estimate your self-employment tax and quarterly payment.
Open calculatorBonus Tax Calculator
Estimate the taxes withheld from a work bonus and your net payout.
Open calculatorSeverance Pay Calculator
Estimate your severance payout and how long it covers your expenses.
Open calculatorSocial Security Claiming Calculator
Compare claiming at 62, full retirement age, or 70 — and the break-even age.
Open calculatorRSU & Stock Options Tax Calculator
Estimate withholding, capital gains and take-home value from vested shares.
Open calculatorLLC vs S-Corp Tax Calculator
Estimate the self-employment tax savings from an S-Corp election.
Open calculatorGratuity & Provident Fund Calculator
Your Bangladesh gratuity payout and projected Provident Fund balance.
Open calculatorGovernment Pension & Lump Grant Calculator
Estimate a government employee's monthly pension and commuted lump grant.
Open calculatorBangladesh Salary Structure Calculator
Break a BD salary into basic, house rent, medical, PF and take-home.
Open calculatorSocial Security Taxation Calculator
How much of your Social Security benefit is actually federally taxable.
Open calculatorW-4 Withholding Adjustment Calculator
Turn your expected income and current withholding into a suggested paycheck change.
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.