All calculators

11 free tools. Every one shows the complete number, publishes its formula, and works without an account.

Home

Mortgage Calculator

Full monthly payment with taxes, insurance and PMI — not just principal and interest.

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How Much House Can I Afford?

What lenders will actually approve, using the real 28/36 debt-to-income rules.

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Refinance Calculator

Whether refinancing pays off after closing costs — and the month you break even.

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Loans

Auto Loan Calculator

Car payment including sales tax, trade-in credit and dealer fees.

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Personal Loan Calculator

Payment, total interest and the true APR once origination fees are counted.

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Debt

Credit Card Payoff Calculator

How long until you're free — and what minimum payments really cost you.

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Debt Payoff Planner

Snowball vs avalanche, simulated month by month across all your debts.

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Savings

Compound Interest Calculator

Growth over time with regular contributions — and what inflation leaves you.

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Savings Goal Calculator

Exactly how much to set aside each month to hit a number by a date.

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Retirement

401(k) Calculator

Projected balance with employer match — and whether you're leaving free money behind.

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Retirement Withdrawal Calculator

Will your savings last? Real spending, real inflation, year by year.

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Educational use only. FinCalc performs mathematical calculations to help you plan. It is not financial, tax or legal advice. For decisions that matter, speak to a licensed professional.