Personal Finance Calculators
The math behind the big decisions — mortgage, loan, savings, investing — without the ads.
The finance calculators people actually need — with the answer front and center, not gated behind an email signup or a mortgage-broker lead form. Model different mortgage terms, see what an extra $100/month saves on a car loan, project a decade of compound interest on your savings, compare APR to true APY, run the math on a lease-vs-buy decision.
None of this is financial advice. Every calculator here is a starting point — real decisions usually add taxes, insurance, opportunity cost, and life circumstances the calculators don't see. Use them to prepare for the conversation with the professional, not to replace them.
Our pick
For mortgage math, use our Mortgage Calculator.
Full amortization schedule and honest limits (no taxes/insurance surprises hidden as "extras"). No email required.
Open Mortgage CalculatorBig decisions
Mortgage, loan, investment — the multi-year commitments.
- Mortgage CalculatorCalculate your monthly mortgage payment, total interest, and a year-by-year amortization schedule. All math runs in your browser.
- Loan CalculatorCalculate monthly loan payments and total interest for any amount, rate, and term. See how much you save by adding extra payments.
- Compound Interest CalculatorProject long-term investment growth with compound interest and regular contributions. Choose your compounding frequency and contribution timing.
- ROI CalculatorCalculate return on investment (ROI): total ROI percentage, net profit, and annualized ROI over any holding period. Useful for stocks, real estate, and business decisions.
- Lease vs Buy CalculatorCompare total cost of leasing vs buying (car, equipment, appliances) over your chosen horizon. Includes financing, resale value, and money-down assumptions.
Interest & rate math
The formulas banks use, exposed.
- APR ↔ APY ConverterConvert between APR (nominal rate) and APY (effective yield) for any compounding frequency — daily, monthly, quarterly, annually, or continuous.
- Simple Interest CalculatorCalculate simple interest on a loan or deposit. Enter principal, annual rate, and time (years, months, or days) — get interest earned and total balance.
- Compound Interest CalculatorProject long-term investment growth with compound interest and regular contributions. Choose your compounding frequency and contribution timing.
Everyday money math
Tips, tax, discount, per-unit price.
- Percentage CalculatorEvery percentage calculation in one place: X% of Y, X is what % of Y, change from A to B, add/subtract %, add tax. Runs entirely in your browser.
- Tip CalculatorCalculate tip amount, total, and per-person split for any bill. Presets for 10 / 15 / 18 / 20 / 25%. Optional round-up to the nearest dollar.
- Discount CalculatorCalculate sale price and savings for any discount percentage. Includes common presets (10%, 20%, 30%, 50%, 75% off).
- Sales Tax / VAT / GST CalculatorAdd tax to a net price OR reverse-calculate the pre-tax price from a gross total. Works for US sales tax, UK VAT, Singapore GST, and any custom rate.
- Unit Price CalculatorEnter multiple products with price and quantity — the calculator ranks them by price per unit (per oz, per lb, per kg, per sheet, whatever) and highlights the best deal.
- Fuel Cost CalculatorCalculate how much fuel a trip will cost. Supports MPG (US and UK), L/100 km, and km/L, with prices per gallon or liter. Great for road-trip budgeting.
Or reach for a broader tool
Third-party products that fit this use case. Our built-in tools cover the small technical jobs; these cover the bigger workflows around them. External links, hand-picked, not sponsored.
| Tool | Pricing | Best for | Tier |
|---|---|---|---|
| YNAB (You Need a Budget) Zero-based budgeting app with an active teaching community. | $14.99/mo or $109/yr · 34-day free trial | People wanting to fundamentally change their money habits, not just view a budget dashboard. | Paid |
| Copilot Money AI-assisted personal finance app for iOS and macOS. | $13/mo or $95/yr | iOS/macOS users who want the best-looking personal finance app. | Paid |
| Rocket Money Subscription tracking + budgeting + bill negotiation. | Free tier · Premium from $6/mo | Anyone who suspects they're bleeding money on subscriptions they forgot about. | Freemium |
| Empower (Personal Capital) Free investment + net worth dashboard. | Free dashboard · Advisory services separately (paid, high minimum) | US investors who want a free single-pane view of net worth + investments. | Free |
- YNAB (You Need a Budget)PaidZero-based budgeting app with an active teaching community.
- Every dollar assigned a job (zero-based method)
- Bank account sync in US + Canada
- Free video classes + methodology
Best for: People wanting to fundamentally change their money habits, not just view a budget dashboard.$14.99/mo or $109/yr · 34-day free trialVisit YNAB (You Need a Budget) - Copilot MoneyPaidAI-assisted personal finance app for iOS and macOS.
- Beautiful Apple-native UI (iOS + macOS)
- Automatic transaction categorization
- Investment tracking + net worth
Best for: iOS/macOS users who want the best-looking personal finance app.$13/mo or $95/yrVisit Copilot Money - Rocket MoneyFreemiumSubscription tracking + budgeting + bill negotiation.
- Automatically detects recurring subscriptions
- Cancels unwanted subscriptions on your behalf (Premium)
- Basic budgeting + net worth on free tier
Best for: Anyone who suspects they're bleeding money on subscriptions they forgot about.Free tier · Premium from $6/moVisit Rocket Money - Empower (Personal Capital)FreeFree investment + net worth dashboard.
- Aggregates every account (bank, credit, investment, mortgage, crypto)
- Investment fee analyser — surfaces expensive funds in your 401(k)
- Retirement planner
Best for: US investors who want a free single-pane view of net worth + investments.Free dashboard · Advisory services separately (paid, high minimum)Visit Empower (Personal Capital)