Know Your
Numbers.
33 free calculators for mortgage, FIRE, debt payoff, retirement, and more. Real numbers, confident decisions.
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Pick Your Category.
33+ calculators sorted by the financial decision you're actually making right now.
Featured Calculators.
The six calculators people use the most. Plug in your numbers and get answers in seconds.
Mortgage Calculator
Break down Principal, Interest, Taxes, and Insurance. Get a full amortization schedule showing exactly when your home becomes 100% equity.
Debt Payoff Calculator
Find the fastest path to zero debt. Compare Avalanche (highest interest first) and Snowball (smallest balance first) side by side.
FIRE Calculator
Enter your expenses and savings rate. See exactly when you hit financial independence using the 4% rule.
Compound Interest Calculator
See how compounding turns regular contributions into serious wealth. Model any rate, time horizon, and contribution amount.
401(k) Calculator
See the full tax and compound growth advantage of maxing your 401(k), including employer match and long-term projections.
Capital Gains Calculator
Find out whether your gains are taxed as short-term income or long-term capital gains, and what you'll actually owe.
Start Investing with Zero Commissions
Open a Fidelity brokerage account and put your compound interest calculations to work. $0 trades, no account minimums, fractional shares available.
Get StartedNumbers that
talk back.
Every calculator is connected to an AI that reads your results, answers your questions, and surfaces the right next move.
Calculator + AI = Clarity
Enter your numbers. The AI reads your results like a senior financial advisor — context, risks, and what to do next.
Ask the numbers anything
"What if I pay $200 extra per month?" — get a real answer, not a generic tip. Every response is tied to your actual inputs.
Matched to your situation
After every analysis, the AI surfaces the 3 partners best suited to your numbers — lenders, brokers, or accounts that fit.
Your numbers never leave
All calculations run locally. Nothing is stored, shared, or sold. The AI analyzes in the moment — then it's gone.
From numbers to clarity. In four steps.
Enter your numbers
Fill in the calculator with your real figures — loan amount, income, timeline, whatever applies.
Run the calculation
Instant results: monthly payment, total interest, break-even, net worth projection — all computed locally.
Ask the AI anything
Tap the Opal bar. Ask a follow-up. Get a 100-word insight written for your specific numbers, not a generic article.
Take action
The AI surfaces matched partners — the right lender, broker, or account for your situation. One click to apply.
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Calculations Run
Trusted by 15,000+ professionals.
“The mortgage calculator saved me from a $400/month mistake. I ran 12 scenarios in 10 minutes and found the exact term structure I needed.”
Marcus T.
Real Estate Investor
“I hit my FIRE number 3 years early after using CalcMoney's compound interest projections to dial in my savings rate. Worth every hour I spent modeling scenarios.”
Sarah K.
Software Engineer
“The debt avalanche calculator showed me I was paying $8,200/year in unnecessary interest. Consolidated everything and I'm now 14 months from debt-free.”
David L.
Business Owner
CalcMoney vs. The Rest
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Honest, feature-by-feature breakdowns against NerdWallet, Bankrate, SmartAsset, and more.