Free financial calculators for the big decisions
Thirty calculators for mortgages, loans, debt and investing. Every number is worked out in your browser the instant you type, with the formula shown so you can check it.
Mortgage
- Mortgage CalculatorFull monthly payment with tax, insurance, PMI and HOA.
- Mortgage Payoff CalculatorHow extra or biweekly payments cut years and interest.
- Amortization CalculatorMonth-by-month schedule of interest vs principal.
- Home Affordability CalculatorYour price range from income, debts and the 28/36 rule.
- Refinance CalculatorNew payment, break-even month and lifetime savings.
- Interest-Only Mortgage CalculatorThe IO payment and the jump when it resets.
Loans & debt
- Loan CalculatorPayment, total interest and schedule for any loan.
- Personal Loan CalculatorPayment and true APR including origination fees.
- Auto Loan CalculatorCar payment with trade-in, tax and fees.
- Boat Loan CalculatorMonthly boat payment on long marine terms.
- RV Loan CalculatorMotorhome and trailer payments, up to 20 years.
- APR CalculatorThe real rate once fees and points are counted.
- Loan Payoff CalculatorYour payoff date, and what paying more does.
- Credit Card Payoff CalculatorFixed payment vs minimum payment, months and interest.
- Debt-to-Income Ratio CalculatorFront-end and back-end DTI vs lender limits.
Investing & retirement
- Compound Interest CalculatorGrowth with contributions and any compounding.
- Investment CalculatorPortfolio growth, adjusted for inflation.
- Savings CalculatorGrowth at an APY, or the deposit a goal needs.
- Simple Interest CalculatorI = Prt, compared side by side with compounding.
- Retirement CalculatorSavings at retirement and how long they last.
- 401(k) CalculatorBalance at retirement with employer match.
- Roth IRA CalculatorTax-free growth vs a taxable account.
- Dividend CalculatorYield, income and DRIP reinvestment growth.
- ROI CalculatorTotal and annualized return on investment.
- CAGR CalculatorThe smoothed yearly growth rate between two values.
- Present Value CalculatorWhat future money is worth today.
- Future Value CalculatorWhat money today (and deposits) becomes later.
- Annuity CalculatorMonthly income a lump sum can pay out.
- Inflation CalculatorFuture prices and lost buying power.
- Rule of 72 CalculatorYears to double, estimate vs exact.
How CalcWise works
Every calculator uses the standard formulas that lenders and textbooks use: the amortization formula for loans, compound growth for savings, and present and future value for everything in between. Each page shows its formula and a worked example so you can check the result by hand or in a spreadsheet.
The calculations run in your browser and nothing you type is sent anywhere. The one exception is the optional “Explain my numbers” button, which sends that calculator’s figures to an AI model for a plain-English reading, and only when you press it. Your last inputs are remembered on this device so you can come back to them; the privacy page has a button to clear them.
These are planning tools, not quotes. A lender’s Loan Estimate, your plan documents or a licensed adviser have the final word.