359 free online financial calculators for the USA & worldwide — mortgage, PMI, PITI, capital gains & bracket tax, loans, debt payoff, retirement, lottery tax, I bonds, net-worth percentile, backdoor Roth, dividends, annuities, bonds & more. Accurate, instant, no sign-up.
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.
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.
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.
Calculate mortgage payments, refinancing savings, home affordability, FHA and VA loans, HELOCs, and home equity — everything home buyers, owners, and real-estate investors need.
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.
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.
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.
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.
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.
The great majority of the financial calculators in this section are the same piece of mathematics wearing different labels. Money available now is not equivalent to money available later, and once a rate and a number of periods are fixed, every question about loans, savings, annuities and retirement draws is a rearrangement of that one relationship. A loan payment solves it for the instalment; a savings projection solves it for the final balance; an affordability tool solves it for the principal you can support.
Working an example makes the behaviour visible. A $300,000 loan at 6.4% over thirty years carries a payment of about $1,877 a month, and over the full term repays roughly $675,500 — about $375,500 of it interest, more than the amount borrowed. Drop the rate to 5.4% and the payment falls to about $1,685. That $192 monthly difference is why rate shopping dominates the outcome far more than the loan amount or the term does, and why every tool here asks for the rate first.
The single most common input error is mismatching the rate and the period. An annual rate has to be divided by the number of payments per year before it meets a monthly payment count, and skipping that step inflates results by an order of magnitude. Compounding frequency then creates a second, subtler gap: 6.4% compounded monthly is an effective 6.59% over a year, which is exactly why lenders quote APR and savings products quote APY. Comparing a rate of one kind against a rate of the other compares two different quantities.
What these tools deliberately do not model is worth stating plainly. They project arithmetic forward under the assumptions you enter, and they cannot know your tax position, the fees a particular lender adds, whether a rate is fixed for the whole term, or what inflation will do to the purchasing power of a balance decades out. A projection is a way of comparing options on consistent assumptions, which is genuinely useful, rather than a forecast of what will happen.