Free Financial Calculators — With the Formula Shown
No account. No email. No one trying to sell you anything. Every result shows the formula that produced it and the source it's built on — so you can check the math yourself. Most financial calculators are built to connect you to a lender. This one is built to give you the number, explained, so you can decide for yourself.
41 free calculators — formula shown, sources cited, no account required.
Loans & Mortgages
Mortgage Calculator
Calculate your monthly mortgage payment, total interest, and see your full amortization schedule.
Loan Payment Calculator
Find your monthly loan payment for any loan amount, interest rate, and term.
Personal Loan Calculator
Calculate your monthly payment, total interest, and true APR (including origination fees) for any personal loan.
Mortgage Payoff Calculator
See how much interest and time you save by making extra monthly or lump-sum mortgage payments.
Student Loan Calculator
Calculate your monthly student loan payment under standard or income-driven repayment plans.
Down Payment Calculator
Find out how much you need to save for a down payment and how long it will take to reach your goal.
Rent vs. Buy Calculator
Compare the true cost of renting versus buying a home over any holding period and find your break-even year.
FHA Loan Calculator
Calculate your FHA loan payment including upfront and annual mortgage insurance premiums (MIP).
HELOC Calculator
Calculate your HELOC draw-period and repayment-period payments and see your maximum available credit line.
Home Equity Loan Calculator
Calculate your home equity loan payment and see how much equity you can borrow against at a fixed rate.
Debt Payoff Calculator
Plan your debt payoff using the avalanche or snowball method and see your payoff date and interest saved.
APR Calculator
Calculate the true Annual Percentage Rate of any loan including fees and compare it to the nominal rate.
Home Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment.
Auto Loan Calculator
Calculate your monthly car payment and total cost of financing a vehicle.
Credit Card Payoff Calculator
Find out how long it takes to pay off credit card debt and how much interest you'll pay.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio and see if you qualify for a mortgage or other loans.
Refinance Calculator
See if refinancing your mortgage saves money by comparing your current loan to new terms.
Amortization Calculator
Generate a full amortization schedule showing principal and interest breakdown for every payment.
Savings & Investments
Compound Interest Calculator
See how compound interest grows your investments over time with different rates and contribution schedules.
Savings Calculator
Calculate how your savings grow over time with compound interest and regular monthly contributions.
CD Calculator
Calculate your Certificate of Deposit earnings and see the impact of early withdrawal penalties.
Future Value Calculator
Calculate the future value of a lump sum or regular contributions with compound growth over time.
Simple Interest Calculator
Calculate simple interest earned or owed on any principal amount and compare it to compound interest.
ROI Calculator
Calculate your return on investment, annualized ROI (CAGR), and inflation-adjusted real return.
College Cost Calculator
Project the total cost of college with tuition inflation and see how much you need to save each month.
Rental Property Calculator
Analyze a rental property's cash flow, cash-on-cash return, cap rate, and gross rent multiplier.
Investment Return Calculator
Calculate total return, annualized return, and growth of any investment over time.
Emergency Fund Calculator
Find out how large your emergency fund should be and how long it will take to build it.
Inflation Calculator
See how inflation erodes purchasing power and calculate the real value of money across different years.
Retirement
Retirement Calculator
Project how much you need to retire and whether you're on track based on current savings and contributions.
Roth IRA Calculator
Project your Roth IRA balance at retirement and see your tax-free benefit versus a Traditional IRA.
Social Security Calculator
Estimate your Social Security benefit at different claiming ages and find your break-even age.
IRA Calculator
Project your Traditional IRA balance at retirement and calculate your after-tax withdrawal value.
Annuity Calculator
Calculate annuity payments from a lump sum, future value from regular contributions, or present value of a stream.
401(k) Calculator
Project your 401(k) balance at retirement based on your contributions, employer match, and expected returns.
Budgeting & Taxes
Salary & Paycheck Calculator
Convert your salary to hourly, daily, weekly, or monthly. Estimate your take-home pay after taxes.
Budget Calculator
Build a monthly budget using the 50/30/20 rule and see how your spending compares to recommended guidelines.
Break-Even Calculator
Find the break-even point for a business or investment based on fixed costs, variable costs, and selling price.
Net Worth Calculator
Calculate your total net worth by entering your assets and liabilities.
Tax Bracket Calculator
Find your federal income tax bracket and estimate your effective tax rate for 2024 and 2025.
Insurance
Common Questions
Are these financial calculators free?+
Yes — every calculator on FiscalCalc is completely free. No account, no email, no subscription. There is no paywall and nothing is stored once you close the tab.
How accurate are the results?+
The formulas are built from IRS, CFPB, and HUD published data — the same sources lenders and financial planners use. Each calculator shows the exact formula it applied, so you can verify the math yourself.
Which financial calculator should I start with?+
Start with the one closest to the decision you're facing. If you're buying a home, use the Mortgage Calculator or Home Affordability Calculator. If you're evaluating a job offer, use the Salary Paycheck Calculator. If you're planning for the future, start with the Retirement Calculator.
Do these calculators store my data?+
No. Everything you type stays in your browser. FiscalCalc does not collect, store, or transmit your financial inputs. When you close the tab, the numbers are gone.
What is the difference between the Mortgage Calculator and the Home Affordability Calculator?+
The Mortgage Calculator tells you what your monthly payment will be for a specific loan amount. The Home Affordability Calculator works backwards — you enter your income and debts, and it tells you the maximum home price you can afford based on standard lending ratios.
Can I use these calculators on my phone?+
Yes. All calculators are fully responsive and work on any device — phone, tablet, or desktop — with no app download required.
Browse Calculators by State
10 calculators include local state data — median home prices, income tax rates, cost of living, and more.