Free Financial Calculators for Pay, Loans and Saving

Work out what an hourly wage adds up to over a year, estimate a paycheck after federal and state taxes, compare two mortgage offers, or see how long a credit card balance will take to clear. These calculators cover the money questions most US households run into: pay, taxes, home loans, debt, saving, retirement and investing.

Many of them show their working, such as a full amortization schedule you can download as a CSV file, a year-by-year savings balance, or a table comparing credit card payoff time and interest at different monthly payments. Every calculation happens in your browser, so the salary, balances and debts you enter are not sent to our servers, and there is no account to create.

Treat the results as planning estimates, not financial, tax or legal advice. Tax brackets, interest rates and contribution limits change every year, so check important numbers with your lender, the IRS or a tax professional before you act on them.

53 free tools in this category. All run in your browser with no signup.

Pay and salary calculators

Turn an hourly wage into a yearly salary and back, estimate take-home pay after taxes, or see what a raise is worth once inflation is counted. Tracking hours first? The time card calculator totals a week of shifts with lunch breaks and overtime, and the sales commission calculator works out commission pay.

Hourly to Salary CalculatorConvert an hourly wage to annual salary or a salary to an hourly rate, with daily, weekly, biweekly, semimonthly and monthly pay for any schedule.Paycheck CalculatorEstimate 2026 take-home pay after federal and state income tax, Social Security and Medicare for salary or hourly pay, with 401(k) and W-4 options.Pay Raise CalculatorEnter your salary and a percent, dollar or new-salary raise to see new pay per paycheck, month and hour, plus your real raise after inflation.Freelance Hourly Rate CalculatorFind the hourly rate to charge as a freelancer after unbilled time, weeks off, business expenses and taxes, or switch to a plain salary to hourly conversion.Freelance Income CalculatorEstimate your yearly freelance take-home after expenses, 2026 self-employment tax and income tax, or solve for the hourly rate that hits your goal.

Mortgage and home buying calculators

Estimate a monthly mortgage payment, see how much to put down and when PMI applies, generate a full amortization schedule, and check whether refinancing, or renting instead of buying, makes more sense for you. Lenders also look at your debt-to-income ratio, which the DTI calculator works out for you.

Mortgage CalculatorEstimate your monthly mortgage payment with property tax, insurance, PMI and HOA, plus a payoff date, payment schedule and the savings from extra payments.Down Payment CalculatorSee how much to put down on a home, your loan, monthly payment and PMI, plus the cash you need at closing and how long it takes to save it.Amortization ScheduleSee the principal, interest and balance for every monthly payment, test extra payments, find your payoff date and download the schedule as CSV.Mortgage ComparisonCompare two mortgage offers side by side, including points and closing costs, and see which loan costs less for the years you plan to keep it.Refinance CalculatorCompare your current mortgage with a new offer to see the monthly savings, the month you break even on closing costs and the total you save.Rent vs Buy CalculatorCompare renting and buying a home with closing and selling costs, PMI, taxes and investment returns, and find the year buying breaks even.Debt-to-Income Ratio CalculatorCalculate your back-end and front-end debt-to-income ratio, see how mortgage lenders read it and how much more monthly debt you can take on.HELOC CalculatorFind how much home equity you can borrow at your lender's CLTV limit, plus the interest-only draw payment and the payment once repayment starts.

Loan and debt payoff calculators

Work out monthly payments and payoff dates for car loans, student loans and credit cards, and see how much interest an extra payment each month saves. The APR calculator shows the true yearly cost of a loan once fees are included.

Loan Payoff CalculatorFind your loan payoff date, total interest and how much extra monthly payments save, with a full payment schedule from your balance, rate and payment.Credit Card Payoff CalculatorSee how many months a credit card takes to pay off, the total interest, and the payment that clears it by your goal, next to minimum payments.Auto Loan CalculatorEstimate your monthly car payment with sales tax, fees, down payment, trade-in and rebates, then compare loan terms from 24 to 84 months.Student Loan CalculatorFind your student loan monthly payment and total interest with the 2026-27 federal rates, repayment term comparison and interest that builds up before you pay.Lease vs Buy Car CalculatorCompare leasing and buying a car over the same period, with loan payoff, resale value, fees and sales tax, and see which option costs you less.APR CalculatorFind a loan's true APR including origination fees, points and closing costs, with the monthly payment, amount financed and total finance charge.Simple Interest CalculatorWork out simple interest with I = Prt for a term in years, months or days, or solve for the rate, time or principal, with the total shown.

Savings and retirement calculators

See how compound interest grows a balance, how much to save each month for a goal or an emergency fund, and where a 401(k) or IRA could stand by retirement. Parents can project 529 plan growth against the future cost of college.

RMD CalculatorWork out your 2026 required minimum distribution from an IRA or 401(k) with the IRS Uniform Lifetime Table, with your deadline and a 20-year RMD plan.Compound Interest CalculatorProject savings growth with compound interest, monthly contributions and daily, monthly or yearly compounding, with a year-by-year chart and table.Savings Interest CalculatorProject how a savings account grows from an initial deposit, monthly deposits and APY, with the final balance and a year-by-year interest table.Savings Goal CalculatorFind how much to save each month to reach a savings goal, or when your deposits will get you there, with interest, milestone dates and a monthly plan.Emergency Fund CalculatorFind out how big your emergency fund should be, how much you still need and how many months it will take to save it at your monthly pace.APY CalculatorTurn an interest rate into APY for any compounding, see interest earned on a deposit, or convert a quoted APY back to its stated rate.401(k) CalculatorProject your 401(k) balance with employer match, raises and the 2026 IRS limits, in future and today's dollars, with 4% rule income.IRA CalculatorProject your IRA balance at retirement and compare Roth vs Traditional after tax, with your tax rates now and later and the 2026 $7,500 contribution limit.Early Retirement CalculatorFind your FIRE number with the 4% rule, see the years until you can retire early at your savings rate, and check your Coast FIRE number.529 Plan CalculatorProject your 529 plan balance from monthly contributions, return and years until college, and see how much to save each month to reach a savings goal.College Cost CalculatorEstimate what college will cost when your child enrolls, using 2025-26 College Board averages and tuition inflation, plus the monthly savings needed.

Tax calculators

Estimate federal income tax with your marginal and effective rate, self-employment tax on 1099 income, capital gains tax on a sale, and sales tax on a purchase. Check the tax year shown on each tool, since brackets and limits change every year.

Tax Bracket CalculatorWork out your 2026 federal income tax, marginal rate and effective rate, bracket by bracket, for single, joint, separate or head of household filers.Self-Employment Tax CalculatorEstimate 2026 self-employment tax: 12.4% Social Security up to $184,500 plus 2.9% Medicare on 92.35% of net profit, with the deductible half.Capital Gains Tax CalculatorEstimate federal tax on a stock, crypto or property sale for 2026, with short-term and long-term rates, the 0%, 15% and 20% brackets and the 3.8% NIIT.Sales Tax CalculatorAdd sales tax to a price or take it out of a total, with 2026 rates for all 50 states and DC and an itemized receipt for several items.

Investing and rental property calculators

Measure return on investment, project stock and dividend income with reinvestment, and size up a rental property with monthly cash flow, cash-on-cash return and cap rate.

Investment Return CalculatorFind the annualized return (CAGR) and total gain on an investment, even with monthly deposits, or project its growth against stock and bond averages.ROI CalculatorCalculate return on investment and annualized ROI for any investment, project or ad campaign, then compare up to five options side by side.Stock Profit CalculatorCalculate stock profit or loss after commissions, plus total return, annualized return (CAGR), break-even sell price and an optional tax estimate.Dividend Reinvestment (DRIP) CalculatorProject dividend income and portfolio growth with dividend reinvestment, yield, dividend growth and yearly contributions, and compare DRIP with taking cash.Crypto Profit CalculatorWork out your crypto profit or loss after buy and sell fees, with coins bought, net profit, ROI and the break-even sell price for any coin.Rental Property CalculatorCheck a rental property's monthly cash flow, cash-on-cash return, cap rate and DSCR from price, loan, rent, taxes, vacancy and management costs.Cap Rate CalculatorFind a property's NOI and cap rate from price, rent, vacancy and expenses, or turn a market cap rate into an estimated property value.

Everyday money and small business calculators

Quick answers for tips, discounts, appliance running costs, trip fuel costs and a wedding budget, plus profit margin and break-even math for small sellers. For itemized bills, the split bill calculator assigns each dish to the person who ordered it, and the currency viewer uses approximate reference rates rather than live market rates.

Tip CalculatorWork out the tip and total on any bill, split it evenly between any number of people and round up to the next dollar, with presets or a custom tip rate.Discount CalculatorFind the sale price and savings for any percent off, add sales tax, work out the percent off from two prices, or stack two discounts correctly.Inflation CalculatorSee what a dollar amount from any year between 1913 and 2025 is worth today using US CPI data, or project future and past value at your own rate.Net Worth CalculatorAdd up your assets and debts to see your net worth, then compare it with the median for your age group in the Fed 2025 Survey of Consumer Finances.Monthly Cash Flow CalculatorAdd your monthly income and expenses to see net cash flow per month and year, your savings rate and how your spending compares with the 50/30/20 rule.Currency ConverterConvert between 30 currencies at the European Central Bank daily reference rates, with the rate date shown and a full rate table for your currency.Electricity Cost CalculatorFind what any appliance costs to run per hour, day, month and year from its watts, hours of use and your rate per kWh, with a chart of 19 common appliances.Fuel Cost CalculatorWork out the gas cost of any trip or commute from distance, mpg or L/100 km and fuel price, split it between riders, and see weekly and yearly totals.Wedding Budget CalculatorSplit a wedding budget across 13 categories, see the cost per guest and track actual spending against the plan, saved privately in your browser.Profit Margin CalculatorCalculate profit margin, markup and selling price in any direction, with a margin versus markup comparison and common conversion pairs.Break-Even Point CalculatorFind your break-even point in units from fixed costs, price and variable cost, or solve for the lowest price that breaks even at your planned sales volume.

Frequently asked questions

How do I convert an hourly wage to a yearly salary?

Multiply your hourly rate by the hours you work in a year. A full-time schedule of 40 hours a week for 52 weeks is 2,080 hours, so $25 an hour comes to $52,000 a year before taxes. The hourly to salary calculator uses your own hours and weeks and also shows weekly, biweekly and monthly pay.

What is the difference between APR and APY?

APR (annual percentage rate) is the yearly cost of borrowing, and it can include lender fees as well as interest. APY (annual percentage yield) is what a savings account or CD earns in a year once compounding is counted, so it is the better number for comparing savings accounts. Use the APR calculator for loans and the APY calculator for savings.

How much should I keep in an emergency fund?

A common guideline is three to six months of essential expenses, such as rent, groceries, insurance and minimum debt payments. People with irregular income, or a household that relies on one income, often aim for the higher end. The emergency fund calculator turns your monthly costs into a target and shows how long it will take to build.

How accurate are these financial calculators?

They use standard formulas, such as the amortization formula for loans and the compound interest formula for savings. Real outcomes also depend on things no calculator can know, like future interest rates, fees and changes to tax law, so use the results for planning and confirm big decisions with your lender or a tax professional.

Guides

See every tool on ClickSolveTools, A to Z