Free Financial Calculators — Mortgage, Tax, Loans & Investing

⭐ Most Popular Financial Calculators

The most-used free online financial calculators — mortgage payments, car and personal loans, income tax, take-home pay, and investment growth. Trusted by users across the United States and around the world.

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Mortgage Calculator

Monthly payment, PITI, amortization schedule for any US home loan.

Home LoanPITI

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Mortgage Calculator by State

Mortgage payment with local property tax & insurance for all 50 states + DC.

50 StatesProperty Tax

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Auto Loan Calculator

Car payment with trade-in, sales tax & true cost of ownership.

Monthly payments for personal, auto, and student loans.

PersonalStudent

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Income Tax Calculator

2025 federal tax owed, effective rate & bracket breakdown for any income.

Take-home pay after federal taxes, FICA & 401(k) deductions.

See how investments grow over time with monthly contributions.

Project your retirement balance with employer matching & inflation.

401kRetirement

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Credit Card Calculator

Find out how long to pay off your credit card and how much interest you'll pay.

Credit CardInterest

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Investment Calculator

Project investment growth with monthly contributions, inflation, and tax adjustments.

Compound interest growth with monthly contributions — HYSA, CDs & investments.

SavingsHYSA

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🆕 New 2026 Tax & Money Calculators 23 tools

Brand-new for the 2026 filing season — the One Big Beautiful Bill deductions (No Tax on Tips, Overtime, Car Loan Interest, Senior Bonus, SALT), plus Medicare IRMAA, Roth conversions, gig & crypto taxes, lottery tax, I bonds, net-worth percentile & backdoor Roth.

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OBBBA Tax Savings

All four new 2026 deductions and your total estimated federal tax savings.

Your 2026 tip deduction (up to $25,000) and the federal tax it saves.

Deduct your overtime premium up to $12,500 ($25k joint) and see the savings.

Overtime2026

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Car Loan Interest Deduction

Deduct up to $10,000 of interest on a new US-assembled vehicle loan.

CarDeduction

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Senior Bonus Deduction

The extra $6,000-per-person deduction for age 65+, after the income phase-out.

Project your child's account to age 18 with the $1,000 federal seed.

Deduct state, local & property tax up to the new 2026 $40,400 cap.

Real take-home pay for tipped workers after tax and the No-Tax-on-Tips deduction.

2026 Part B & D premiums with any income-related surcharge, by bracket.

Tax cost of a conversion and exactly how much room is left in your bracket.

Charitable IRA giving that satisfies your RMD and cuts taxable income.

How much of your benefits is taxable — 0%, up to 50%, or up to 85%.

Check the 3.8% Net Investment Income Tax on dividends, gains & rental income.

Plan your 10-year-rule withdrawals under SECURE 2.0 and spread the taxes.

After-tax comparison and break-even for Roth vs Traditional 401(k)/IRA.

Tax on PayPal, Venmo, eBay & Etsy income — profit after expenses.

Side Hustle1099

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Quarterly Estimated Tax

Self-employed 1040-ES quarterly payment so you avoid IRS penalties.

Capital gains on Bitcoin & crypto — short-term vs long-term, with live prices.

Real Uber/DoorDash pay per hour after gas, mileage & self-employment tax.

Powerball & Mega Millions take-home after tax — lump sum vs 30-year annuity.

Series I savings bond value, interest earned & the 3-month early-redemption penalty.

See where your net worth ranks among US households your age, vs the median.

Conversion tax, the IRS pro-rata rule & decades of tax-free growth for high earners.

RothHigh Earner

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🏢 Business, Real Estate & Energy Calculators 14 tools

Advanced 2026 tools for business owners, real-estate investors, startup employees, and homeowners — S-Corp vs LLC tax savings, Section 179 & QBI, 1031 exchanges, SBA 7(a) loans, NNN leases, stock options, and home-energy upgrades. Live prime-rate data and animated reports.

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S-Corp vs LLC Tax

How much self-employment tax an S-Corp election saves vs a default LLC.

S-CorpSE Tax

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Section 179 Deduction

First-year vehicle & equipment write-off with 100% bonus depreciation.

Your 20% pass-through deduction with wage limit & SSTB phase-out.

QBI199A

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HELOC vs Home Equity Loan

Variable line vs fixed loan, with live prime-rate pricing & total interest.

Deferred capital gains tax plus your 45-day & 180-day deadline tracker.

Variable prime-rate payment, guaranty fee & a rate-shock stress test.

SBALive Rate

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Triple Net (NNN) Lease

Cap rate, monthly rent & total yield on a commercial NNN property.

After-tax profit on stock options, including ISO AMT exposure.

EquityAMT

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CAC Payback & LTV:CAC

SaaS payback period and LTV:CAC ratio from CAC, ARPA, margin & churn.

SaaSUnit Economics

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Worker Classification

W-2 vs 1099 misclassification risk score plus true cost comparison.

1099Payroll

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Construction Lien Deadline

Mechanics lien filing & enforcement deadlines by state, with a timeline.

Cooling savings from a higher-SEER2 heat pump, plus upgrade payback.

HVACEnergy

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Solar Battery Storage

Time-of-use battery arbitrage savings and payback period.

Ground-loop borehole sizing, loop-field cost & annual heating savings.

GeothermalLoop Field

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🏠 Mortgage & Home Loan Calculators 21 tools

Calculate mortgage payments, refinancing savings, home affordability, FHA and VA loans, HELOCs, and home equity — everything home buyers, owners, and real-estate investors need.

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Mortgage Calculator

Monthly payment, PITI, amortization schedule for any US home loan.

Find your break-even point and total savings from refinancing your mortgage.

FHA payment with UFMIP & annual MIP and 3.5% down.

VA home loan with $0 down, funding fee, and no PMI.

Draw period & repayment payments, payment shock & amortization schedule.

Calculate payments and available equity for a fixed home equity loan.

Lower your monthly payment with a lump-sum paydown — no refinancing needed.

RecastSavings

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Mortgage Payoff Calculator

Pay off your mortgage early — interest saved & new payoff date with extra payments.

PayoffSavings

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Down Payment Calculator

Compare 3%, 5%, 10%, 20% down — PMI, closing costs & total cash needed.

Find your maximum home price based on income, debts, and down payment.

HomeDTI

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Amortization Calculator

Full amortization schedule with year-by-year breakdown and extra payment savings.

Full monthly cost — principal, interest, taxes, insurance, HOA & PMI.

PITIHousing

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Rent vs Buy Calculator

Break-even point, true 10-year cost & opportunity cost comparison.

Analyze cash flow, cap rate, and cash-on-cash return for any rental property.

New payment & loan-to-value when you refinance and take cash out of equity.

Monthly private mortgage insurance, your LTV, and when PMI automatically drops off.

Full monthly payment — principal, interest, taxes, insurance, PMI & HOA.

Adjustable-rate payment, the reset, and your payment shock after the fixed period.

Pay half every two weeks to add one payment a year and save years of interest.

Cost of buying points, monthly savings, and your break-even point.

Net operating income and capitalization rate to compare rental properties.

Cap RateNOI

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💳 Loan & Debt Payoff Calculators 19 tools

Work out auto, personal, student, business, and boat loan payments, plus credit-card payoff, debt consolidation, APR, and interest rate — to borrow smart and get out of debt faster.

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Loan Calculator

Monthly payments for personal, auto, and student loans.

Car payment with trade-in, sales tax & true cost of ownership.

Car LoanTrade-In

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Auto Lease Calculator

Calculate monthly lease payment using money factor, residual value, and fees.

LeaseAuto

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Personal Loan Calculator

Monthly payment, total interest, and APR including origination fees.

PersonalAPR

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Student Loan Calculator

Compare repayment plans and calculate payoff date for student loans.

Payment, total interest & true cost of a commercial loan with fees.

Monthly payment on a marine loan after down payment and trade-in.

Compare a low-APR auto offer against a cash rebate to find the winner.

AutoRebate

Compare →

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Credit Card Calculator

Find out how long to pay off your credit card and how much interest you'll pay.

Credit CardInterest

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Debt Payoff Calculator

See exactly when you'll be debt-free and how much interest you'll save.

Compare keeping separate debts vs consolidating into one lower-rate loan.

Calculate your DTI ratio and see if you qualify for a mortgage or loan.

True annual cost of a loan once fees and closing costs are included.

Solve for the interest rate from a loan amount, payment, and term.

Interest on principal only — I = P × r × t with a clear breakdown.

How much car you can afford from your monthly payment, rate & down payment.

Pay smallest balances first for fast wins — debt-free date & interest saved.

Pay highest rates first for the cheapest, fastest route out of debt.

How long to clear a card and the true cost of paying only the minimum.

Credit CardPayoff

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📈 Investment & Retirement Calculators 30 tools

Grow and plan your money — compound interest, ROI, IRR, bonds, mutual funds, annuities, plus 401(k), IRA, Roth IRA, pension, Social Security, and FIRE planning for every stage of life.

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Compound Interest

See how investments grow over time with monthly contributions.

InvestingSavings

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Investment Calculator

Project investment growth with monthly contributions, inflation, and tax adjustments.

InvestingGrowth

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Future Value Calculator

Calculate the future value of any investment with compounding and contributions.

Today's value of a future sum, discounted at any rate and compounding.

Solve for N, rate, PV, PMT, or FV — the classic time-value-of-money engine.

Return on investment, annualized CAGR & profit/loss for any investment.

Compound Annual Growth Rate — annualized return for any investment or asset.

Internal rate of return from an initial cost and a series of cash flows.

How long an investment takes to pay for itself — simple & discounted.

Arithmetic vs geometric (CAGR) average from a series of yearly returns.

Price a bond from coupon, maturity & market yield — premium or discount.

Project fund growth with contributions and see the expense-ratio drag.

Future & present value of a payment stream — ordinary or annuity-due.

How much income a lump sum pays out per period over a set term.

Project your retirement balance with employer matching & inflation.

Project your 401(k) balance with employer matching and inflation adjustment.

Compare Traditional vs Roth IRA growth and lifetime tax impact.

Project tax-free Roth IRA growth and compare to traditional IRA tax savings.

2026 Required Minimum Distribution from IRA & 401k — IRS Uniform Lifetime Table.

Calculate CD interest earnings and compare rates across different term lengths.

Your Financial Independence number, years to FIRE & projected retire date.

FIREFI

Calculate →

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Coast FIRE Calculator

Find the amount to invest now so compounding covers your retirement goal.

Estimate a defined-benefit pension from salary, service & multiplier.

PensionRetirement

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Social Security Calculator

Estimate your benefit at 62, FRA, or 70 — break-even and lifetime comparison.

How long to double your money at any return rate (72 ÷ rate).

Annual percentage yield from a nominal rate and compounding frequency.

Net present value of an investment's cash flows at a discount rate.

Dividend income, yield, and DRIP reinvestment growth over time.

Project tax-free 529 plan growth toward your college savings goal.

529College

Calculate →

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Retirement Withdrawal

How long your nest egg lasts and how your plan compares to the 4% rule.

Withdrawal4% Rule

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💵 Salary, Paycheck & Tax Calculators 16 tools

Estimate take-home pay, salary, income tax, sales tax, VAT, plus estate and marriage tax, gross margin, and commission — for employees, freelancers, and businesses in the US and worldwide.

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Salary Calculator

Take-home pay after federal taxes, FICA & 401(k) deductions.

Exact take-home pay per paycheck after taxes & deductions.

PaycheckTax

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Income Tax Calculator

2025 federal tax owed, effective rate & bracket breakdown for any income.

Add sales tax or find pre-tax price. Rates for all 50 US states.

Add or remove value-added tax with a net / VAT / gross breakdown.

Marriage penalty or bonus — joint vs two singles on 2025 brackets.

Federal estate tax on an inheritance above the exemption.

EstateTax

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Gross Margin Calculator

Calculate gross profit margin, markup, and cost ratio for any product or service.

Sales commission from a sale and rate, plus optional base salary.

Convert an hourly wage to an annual salary — and monthly, weekly & back.

Overtime pay and total weekly earnings — time-and-a-half or double time.

Your new pay after a percentage or dollar raise, plus the % change.

Selling price, profit and margin from a cost and markup percentage.

Add or remove GST — India, Australia, Canada, New Zealand & more.

Short- vs long-term capital gains tax, your rate, and profit after tax.

Capital GainsIRS

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Tax Bracket Calculator

Your marginal bracket, effective rate, and tax owed with a band breakdown.

BracketsMarginal

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🏦 Savings, Budgeting & Everyday Money 16 tools

Build savings, set a budget, track net worth, beat inflation, convert currency, plan college costs, and run business depreciation — simple, free everyday money tools for anyone.

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Savings Calculator

Compound interest growth with monthly contributions — HYSA, CDs & investments.

50/30/20 budget rule — split income into needs, wants, and savings automatically.

Total assets minus liabilities — track your true net worth and wealth tier.

Adjust dollar amounts for inflation and see how purchasing power changes over time.

Convert between 28 major world currencies — USD, EUR, GBP, JPY & more.

Sale price, dollar savings & discount % — with tax and bulk quantity support.

Project future tuition with inflation and the monthly savings needed.

How much rent you can afford on the 30% rule, plus a debt-aware max.

Straight-line, declining-balance & SYD with a full schedule.

How big your emergency fund should be — 3 to 6 months of expenses.

Time to reach a savings goal with your contributions and return.

How much value your car loses over time, year by year.

2.5% of net zakatable wealth above the nisab threshold.

Split take-home pay into needs, wants, and savings — and check your spending.

Budget50/30/20

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Millionaire Calculator

How long to reach $1,000,000 from your savings, monthly investing & return — with a growth chart.

See your US income percentile — what share of American households you out-earn.

Estimate a channel's ad earnings from daily views and niche RPM — daily, monthly & yearly.

CreatorsEarnings

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US Trademark Filing Cost

2025 USPTO fees across classes — base, custom-ID, intent-to-use & renewal totals.

Residential solar payback & battery storage ROI with the 30% ITC and 25-year cash flow.

SolarPayback

Calculate →

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Water Damage & Mold Cost

Estimate water extraction, demo & mold remediation cost by IICRC category and class.

RestorationMold

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Free Financial Calculators for the USA & Worldwide

True Value Calc offers 103 free, accurate financial calculators covering mortgages, loans, debt payoff, taxes, paychecks, investing, retirement, savings, and business finance. Every calculator runs instantly in your browser — no sign-up, no app, and no data leaves your device. While tax tools use current US (IRS) figures, the loan, investment, annuity, and time-value-of-money calculators use universal formulas that work anywhere in the world. Use the category links above to jump straight to the tool you need, or start with the most popular calculators trusted by millions of users every month.