Free financial calculators
40 free tools covering mortgages, income tax, paycheck, compound interest, retirement, debt payoff, FIRE, and more. All calculations run in your browser. No account required. Updated for 2026 with official tax tables for the US, UK, Canada, and Australia.
Mortgage Calculator
Estimate your full monthly payment — principal, interest, property tax, insurance, and PMI — and see how the balance falls over the life of the loan.
Affordability Calculator
Work out the maximum home price you can comfortably afford using the 28/36 DTI rule.
Refinance Calculator
Compare your current loan against a refinance to see break-even point and lifetime savings.
Mortgage Overpayment Calculator
See how much interest you'd save and how many years you'd cut off your mortgage by overpaying — with a regular monthly amount, a lump sum, or both.
Debt-to-Income Ratio Calculator
Work out your debt-to-income ratio — the share of your gross income that goes to debt — and see how it measures up against the limits lenders use to decide what you can borrow.
Stamp Duty Calculator
Estimate the tax due when you buy a property, and the total cash you'll need at completion.
Rent vs. Buy Calculator
Compare the true cost of renting vs. buying — including opportunity cost on your down payment.
Rental Yield Calculator
Work out the gross and net rental yield on a buy-to-let or investment property, plus your annual cash flow and cash-on-cash return on the money you actually put in.
Home Improvement ROI Calculator
See what a renovation is really worth at resale compared with investing the same cash.
Home Sale Proceeds Calculator
Work out how much cash you'll actually walk away with when you sell your home — sale price minus agent commission, legal and closing costs, repairs, and the mortgage you still owe.
Loan Repayment Calculator
Monthly payment and total interest for auto, personal, or student loans.
Car Loan Calculator
Estimate your monthly car payment, total interest, and out-the-door cost — with down payment, trade-in, and optional purchase tax.
Student Loan Calculator
Work out your student loan repayments — by monthly payment in the US and Canada, or as income-contingent repayments in the UK and Australia.
Debt Payoff Calculator
Compare snowball vs. avalanche strategies and find your fastest path to debt-free.
Credit Card Payoff Calculator
See how long it takes to clear a credit card balance — and how much interest you'll pay — at a fixed monthly payment, or find the payment needed to be debt-free by a target date.
Balance Transfer Calculator
See whether moving a credit-card balance to a 0% intro-rate card is worth it. Weigh the upfront transfer fee against the interest you'd save, and check whether you can clear the balance before the promotional rate ends.
Lease vs. Buy Calculator
True cost of leasing vs. buying including equity at end of term.
Paycheck Calculator
Gross-to-net take-home pay for any pay frequency.
Salary to Hourly Calculator
Convert an annual salary to an hourly rate — or an hourly rate to a yearly salary — with weekly, monthly, and daily breakdowns.
Pay Raise Calculator
See what a pay rise really means — your new salary, the increase per month, and crucially whether it beats inflation so you're actually better off in real terms.
Overtime Pay Calculator
Work out your overtime pay and total weekly earnings — time-and-a-half, double time, or any premium rate — plus your blended hourly rate and what the extra hours add up to over a year.
Bonus Tax Calculator
See how much of a bonus you actually keep after tax. Because a bonus is taxed at your marginal rate on top of your salary, the slice taken is higher than on your regular pay — this shows the real take-home.
Freelancer Take-Home Calculator
Self-employment tax, NI, and CPP — real take-home pay for contractors and freelancers.
Income Tax Calculator
See your annual tax bill, effective rate, and marginal rate — using current official brackets.
Capital Gains Tax Calculator
Short and long-term capital gains tax estimates by region.
Crypto Tax Calculator
Add your trades and see net gains, losses, and estimated tax owed.
Sales Tax Calculator
Add sales tax to a price, or work backwards to strip the tax out of a tax-inclusive total. See the net price, tax amount, and grand total.
Compound Interest Calculator
Watch savings grow with regular contributions over time.
Savings Goal Calculator
Find out how much to save each month to hit a target by a set date — or how long it'll take to reach your goal at a given monthly amount, with interest factored in.
Emergency Fund Calculator
Work out how big your emergency fund should be — typically 3 to 6 months of essential expenses — see how much cover you have now, and how long it'll take to reach your target.
Term Deposit Calculator
See what a fixed-term savings deposit will be worth at maturity — the interest you'll earn and the effective annual yield — for any amount, rate, and term.
ROI Calculator
Work out the return on an investment — total ROI, net profit, and the annualised (compound) return — so you can compare investments held for different lengths of time on a level footing.
Dividend & DRIP Calculator
See how dividends compound when you reinvest them. Project your portfolio's value with a dividend reinvestment plan (DRIP) versus taking the income as cash, plus your growing dividend income over time.
Inflation Calculator
See how inflation erodes purchasing power — and what return beats it.
Retirement Calculator
Project your nest egg and sustainable monthly retirement income.
Pension Calculator
See how your pension could grow with employer contributions and investment returns — and make sure you're not leaving free employer money on the table.
FIRE Calculator
Calculate your financial independence number and your time to retire early.
Frequently asked questions
Are the calculators free to use?
Yes — every calculator on Finance Calc App is free, with no account or sign-up required. All calculations run in your browser; nothing is sent to a server.
Which countries do the calculators support?
Our calculators support the United States, United Kingdom, Canada, and Australia. Use the market switcher in the top-right corner to change region. Tax and paycheck tools use official government brackets for each country.
How accurate are the results?
Our calculators use published formulas and official tax tables (IRS, HMRC, CRA, ATO). Results are estimates for planning purposes — edge cases like state/provincial tax, complex deductions, or employer contributions may not be reflected. See our methodology page for full details.