Free Money Calculators

Mortgage, debt payoff, salary, retirement and everyday math — instant answers, no signup, works on any device.

Loans & Mortgage

Mortgage CalculatorCalculate your monthly mortgage payment with 2026 rates, including pro…How Much House Can I AffordFind the maximum home price for your salary using the 28/36 rule lende…Car Loan CalculatorCalculate your car payment with down payment, trade-in value and sales…Loan CalculatorCalculate the monthly payment and total interest for any loan — person…

Debt Payoff

Credit Card Payoff CalculatorSee exactly how long it takes to pay off credit card debt and how much…Student Loan Payoff CalculatorFind your student loan payoff date and total interest. See how extra p…Debt Snowball Payoff CalculatorPlan your debt-free date across all debts with the snowball method. En…

Savings & Investing

Compound Interest CalculatorCalculate future value with monthly compounding: initial investment pl…Retirement CalculatorProject your retirement nest egg from today's savings and monthly cont…Savings Goal CalculatorFind the exact monthly savings needed to hit any goal — house down pay…Emergency Fund CalculatorFind your personal emergency fund target from monthly expenses, see yo…FIRE CalculatorCalculate your FIRE number, how close you are, and the exact year you …

Salary & Income

Salary / Take-Home Pay CalculatorConvert gross salary to real take-home pay using official 2026 federal…Hourly to Salary CalculatorConvert any hourly wage to annual salary, monthly, bi-weekly and weekl…Salary to Hourly CalculatorConvert a yearly salary to an hourly rate — know what a job offer real…Freelance Rate CalculatorCalculate the hourly or project rate you need to hit your income goal …Side Hustle Income CalculatorTurn a side hustle idea into real numbers: gross, net after taxes and …Paycheck CalculatorEstimate your paycheck from gross pay with 2026 federal withholding, F…State Income Tax CalculatorCalculate 2026 federal + state income tax for any US state. Live 2026 …

Life & Spending

50/30/20 Budget CalculatorSplit your take-home pay into needs, wants and savings with the 50/30/…Inflation CalculatorProject how inflation erodes purchasing power: what a dollar amount to…Net Worth CalculatorCalculate your net worth: everything you own minus everything you owe.…Rent Affordability CalculatorFind your maximum monthly rent from your income using the 30% rule, or…Cost of Living / Moving Salary CalculatorMoving cities? Find the salary you need to maintain your standard of l…Tip Calculator with SplitCalculate tip and total for any bill, then split it between any number…Vacation Budget CalculatorAdd up every trip cost — flights, lodging, food, activities — see the …Wedding Budget CalculatorTotal up every wedding line item — venue, catering, photo, attire — se…Baby Cost CalculatorEstimate the true cost of raising a baby: monthly expenses over the ye…Quit Smoking Savings CalculatorSee what quitting smoking saves per year, and what those savings grow …IBAN Validator & CheckerValidate an IBAN free: instant checksum check in your browser plus liv…

Calculators run entirely in your browser — your numbers never leave the device. (Exceptions: the state tax and IBAN bank-lookup tools fetch live 2026 data from their APIs.) Bookmark what you need; the collection grows. See the open formula dataset for the exact math behind every tool.

Frequently asked questions

Are these calculators free?

Yes — every tool on MoneyCalcs is free, runs instantly in your browser, and needs no signup, app or download.

Do my numbers leave my device?

No. All math runs locally in your browser; nothing is sent anywhere. The only exceptions are the state income tax and IBAN tools, which fetch public 2026 rate/bank data from their APIs — never your inputs.

How accurate are the results?

Formulas use standard 2026 rules (amortization, compound interest, effective tax rates). Results are estimates for planning, not financial or tax advice — confirm big decisions with a professional.