# MoneyCalcs > Free money calculators. Instant answers, no signup. All tools are free, run in-browser, and require no signup. ## Loans & Mortgage - [Mortgage Calculator](https://moneycalcs-peach.vercel.app/mortgage-calculator.html): Calculate your monthly mortgage payment with 2026 rates, including property tax, insurance and total interest over the life of the loan. Free, instant, no signup. - [How Much House Can I Afford](https://moneycalcs-peach.vercel.app/how-much-house-can-i-afford.html): Find the maximum home price for your salary using the 28/36 rule lenders actually apply. Accounts for your existing debts, taxes, insurance and down payment. - [Car Loan Calculator](https://moneycalcs-peach.vercel.app/car-loan-calculator.html): Calculate your car payment with down payment, trade-in value and sales tax. See total interest and the true cost of the vehicle before you sign at the dealer. - [Loan Calculator](https://moneycalcs-peach.vercel.app/loan-calculator.html): Calculate the monthly payment and total interest for any loan — personal, auto, boat or business. Enter amount, rate and term for instant results. ## Debt Payoff - [Credit Card Payoff Calculator](https://moneycalcs-peach.vercel.app/credit-card-payoff-calculator.html): See exactly how long it takes to pay off credit card debt and how much interest you'll pay. Add extra monthly payments to see how much you save. - [Student Loan Payoff Calculator](https://moneycalcs-peach.vercel.app/student-loan-payoff-calculator.html): Find your student loan payoff date and total interest. See how extra payments shorten the timeline and what refinancing could save. - [Debt Snowball Payoff Calculator](https://moneycalcs-peach.vercel.app/debt-payoff-calculator.html): Plan your debt-free date across all debts with the snowball method. Enter every balance and APR, set a monthly budget, and see total interest paid. ## Savings & Investing - [Compound Interest Calculator](https://moneycalcs-peach.vercel.app/compound-interest-calculator.html): Calculate future value with monthly compounding: initial investment plus monthly contributions at any rate and term. See how much is interest vs. contributions. - [Retirement Calculator](https://moneycalcs-peach.vercel.app/retirement-calculator.html): Project your retirement nest egg from today's savings and monthly contributions, and check it against what you'll need using the 4% rule. - [Savings Goal Calculator](https://moneycalcs-peach.vercel.app/savings-goal-calculator.html): Find the exact monthly savings needed to hit any goal — house down payment, car, wedding — by your deadline, with interest working for you. - [Emergency Fund Calculator](https://moneycalcs-peach.vercel.app/emergency-fund-calculator.html): Find your personal emergency fund target from monthly expenses, see your gap, and get an exact monthly savings plan to close it. - [FIRE Calculator](https://moneycalcs-peach.vercel.app/fire-calculator.html): Calculate your FIRE number, how close you are, and the exact year you can quit — based on the 4% rule, your savings rate and expected returns. ## Salary & Income - [Salary / Take-Home Pay Calculator](https://moneycalcs-peach.vercel.app/salary-calculator.html): Convert gross salary to real take-home pay using official 2026 federal brackets, standard deduction and FICA. See your effective tax rate by state and filing status. - [Hourly to Salary Calculator](https://moneycalcs-peach.vercel.app/hourly-to-salary-calculator.html): Convert any hourly wage to annual salary, monthly, bi-weekly and weekly pay. Works for full-time and part-time schedules. - [Salary to Hourly Calculator](https://moneycalcs-peach.vercel.app/salary-to-hourly-calculator.html): Convert a yearly salary to an hourly rate — know what a job offer really pays per hour, and compare salaried roles to hourly or freelance work. - [Freelance Rate Calculator](https://moneycalcs-peach.vercel.app/freelance-rate-calculator.html): Calculate the hourly or project rate you need to hit your income goal as a freelancer, covering taxes, expenses, unpaid weeks and benefits. - [Side Hustle Income Calculator](https://moneycalcs-peach.vercel.app/side-hustle-calculator.html): Turn a side hustle idea into real numbers: gross, net after taxes and costs, and your effective hourly rate — before you commit weekends to it. - [Paycheck Calculator](https://moneycalcs-peach.vercel.app/paycheck-calculator.html): Estimate your paycheck from gross pay with 2026 federal withholding, FICA and state tax. Hourly, monthly or annual input. - [State Income Tax Calculator](https://moneycalcs-peach.vercel.app/state-income-tax-calculator.html): Calculate 2026 federal + state income tax for any US state. Live 2026 tax brackets, standard deduction and FICA. See your take-home pay per month and year. ## Life & Spending - [50/30/20 Budget Calculator](https://moneycalcs-peach.vercel.app/budget-calculator.html): Split your take-home pay into needs, wants and savings with the 50/30/20 rule. See exact dollar budgets per category and per week. - [Inflation Calculator](https://moneycalcs-peach.vercel.app/inflation-calculator.html): Project how inflation erodes purchasing power: what a dollar amount today equals in future years, and what future money is worth in today's prices. - [Net Worth Calculator](https://moneycalcs-peach.vercel.app/net-worth-calculator.html): Calculate your net worth: everything you own minus everything you owe. The single best measure of financial progress, updated in seconds. - [Rent Affordability Calculator](https://moneycalcs-peach.vercel.app/rent-affordability-calculator.html): Find your maximum monthly rent from your income using the 30% rule, or reverse it — the salary you need for the apartment you want. - [Cost of Living / Moving Salary Calculator](https://moneycalcs-peach.vercel.app/cost-of-living-calculator.html): Moving cities? Find the salary you need to maintain your standard of living by comparing a typical monthly cost basket in both locations. - [Tip Calculator with Split](https://moneycalcs-peach.vercel.app/tip-calculator.html): Calculate tip and total for any bill, then split it between any number of people. The fastest tip math on the web — no signup, no ads to click past. - [Vacation Budget Calculator](https://moneycalcs-peach.vercel.app/vacation-budget-calculator.html): Add up every trip cost — flights, lodging, food, activities — see the per-person total and the monthly savings plan to fund the vacation. - [Wedding Budget Calculator](https://moneycalcs-peach.vercel.app/wedding-budget-calculator.html): Total up every wedding line item — venue, catering, photo, attire — see the cost per guest and the monthly savings plan for your date. - [Baby Cost Calculator](https://moneycalcs-peach.vercel.app/baby-cost-calculator.html): Estimate the true cost of raising a baby: monthly expenses over the years you choose, plus one-time costs. USDA ranges included in the guidance. - [Quit Smoking Savings Calculator](https://moneycalcs-peach.vercel.app/quit-smoking-calculator.html): See what quitting smoking saves per year, and what those savings grow to if invested. The most motivating number you'll calculate today. - [IBAN Validator & Checker](https://moneycalcs-peach.vercel.app/iban-validator.html): Validate an IBAN free: instant checksum check in your browser plus live bank name, SWIFT/BIC, country and SEPA status. No signup, no data stored.