Free Financial Calculators
12 tools that show you what banks won't. Every calculation runs in your browser - your data never leaves your device.
Mortgage & Housing
Mortgage Early Payoff Calculator
See how much interest you can save by making extra payments - and how many years you'll cut off your mortgage.
Refinance Break-Even Calculator
Calculate exactly how long it takes for a refinance to pay for itself - so you know if it's worth the closing costs.
Rent vs. Buy Calculator
Compare the true total cost of renting vs buying over time, including opportunity costs most calculators ignore.
How Much House Can I Afford
Get a realistic affordability estimate based on your income, debts, and down payment - not just what a bank would approve.
Biweekly Mortgage Calculator
See how switching to biweekly payments saves years and tens of thousands in interest. The simple trick banks won't suggest.
Amortization Schedule
See every dollar of your mortgage payment: how much goes to interest vs principal each month. The truth your lender buries in fine print.
Mortgage Recast Calculator
Lower your mortgage payment with a lump sum - no refinancing, no closing costs, just a $250 fee. See exactly how much you'd save.
Debt & Savings
Debt Payoff Strategies
Compare avalanche vs snowball payoff methods side by side. See which strategy saves you the most interest and time.
Extra Payment vs Investing
Should you pay down your mortgage early or invest the difference? See the math with Monte Carlo probability analysis.
Compound Interest Visualizer
Visualize how compound interest grows your money over time - and see how much even a small delay can cost you.
Buy Now, Pay Later Calculator
See the true cost of 'interest-free' installment plans including late fees, missed payment penalties, and opportunity costs.
Minimum Payment Trap Calculator
See how minimum payments turn a $5,000 balance into $13,000+ over decades. The math credit card companies hope you never do.
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Every calculator shows its methodology. Verify our math yourself.
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