Free tools that just work.

Free calculators for mortgages, loans, interest, and everyday money decisions. Instant answers, full breakdowns, no sign-up.

• 401(k) PlannerProject your 401(k) balance including the employer match — the part that's free money.
• Amortization CalculatorSee how every payment splits between principal and interest, month by month.
• Annuity CalculatorFind the future value of a series of equal payments growing at a fixed rate.
• APR CalculatorTurn an APR into a real monthly payment and compare the true cost of borrowing.
• Boat Loan CalculatorEstimate the monthly payment and total interest on a boat loan.
• Car Refinance CalculatorEstimate your new auto payment after refinancing and what a lower rate saves.
• CD CalculatorSee the maturity value and interest on a certificate of deposit at a fixed rate.
• Compound Interest CalculatorSee how a balance grows when interest earns interest — with optional regular deposits.
• Daily Compound Interest CalculatorGrow a balance with interest compounded every day (365 periods per year).
• Discount CalculatorFind the sale price and how much you save from a percentage discount.
• FHA Loan CalculatorEstimate the monthly payment on an FHA mortgage, including its low down payment.
• Future Value CalculatorFind what a sum today — plus optional regular deposits — will be worth later.
• HELOC CalculatorModel both phases of a home equity line of credit — the low interest-only payment now, and the payment shock when the draw period ends.
• HELOC Payment CalculatorFind your HELOC monthly payment in both phases — the interest-only payment during the draw, and the fully-amortizing payment after it.
• HELOC Payoff CalculatorSee what extra principal during the draw does to your line — it doesn't just cut interest, it can make the payment DROP when the draw ends.
• Home Equity Loan CalculatorSee the monthly payment and total interest on a lump-sum loan against your home equity.
• Home Loan CalculatorEstimate the full monthly cost of a home loan, including taxes and insurance.
• Interest-Only HELOC CalculatorSee your interest-only draw payment — and exactly what it becomes when the interest-only period ends.
• Investment CalculatorProject how an investment could grow with regular contributions and an assumed return.
• Loan CalculatorWork out the payment, total interest, and schedule for any loan.
• Loan Interest CalculatorSee the total interest a loan costs and what drives that number.
• Loan Payment CalculatorCalculate the monthly payment on any fixed-rate loan.
• Loan Payoff CalculatorSee how extra monthly payments shorten your loan and cut total interest.
• Margin CalculatorFind profit margin from cost and price — and see how it differs from markup.
• Mortgage CalculatorEstimate your monthly mortgage payment, total interest, and full amortization schedule — instantly and free.
• Mortgage Refinance CalculatorCompare a new mortgage payment against your current one and find the break-even point.
• Pay Raise CalculatorSee your new pay after a percentage raise and what the increase is worth.
• Personal Loan CalculatorFind the monthly payment and true cost of an unsecured personal loan.
• Refinance EstimatorEstimate your new payment and lifetime interest after refinancing your mortgage.
• Roth IRA CalculatorProject tax-free growth in a Roth IRA from your balance and monthly contributions.
• RV Loan CalculatorEstimate the monthly payment and total interest on an RV or motorhome loan.
• Sales Tax EstimatorEstimate the sales tax and total on a purchase from any tax rate.
• Savings CalculatorSee how your savings grow from regular deposits and interest at a given APY.
• Simple Interest CalculatorCalculate interest charged only on the principal, with I = P × r × t.
• Student Loan CalculatorEstimate your monthly student loan payment, total interest, and payoff date.
• Student Loan Interest CalculatorSee how much interest your student loans cost and how it accrues over time.
• Student Loan Repayment CalculatorCompare repayment terms and see how fast you can clear your student debt.

Free percentage, ratio, and everyday math calculators. Instant answers with the working shown, no sign-up.

• Percentage CalculatorFind a percent of a number, what percent one number is of another, and percent change.
• Ratio CalculatorSimplify a ratio to lowest terms and solve a proportion for a missing value.

Free GPA, grade, and final-exam calculators for students. Add your courses or scores and get the answer instantly, no sign-up.

• Final Grade CalculatorFind the score you need on the final exam to reach the grade you want.
• GPA CalculatorAdd your courses and credit hours to find your unweighted and weighted GPA.
• Grading CalculatorTurn points earned into a percentage and a letter grade.

Free time and date calculators: work out hours between two times, build a weekly timesheet, and more. Instant results, no sign-up.

• Hours CalculatorWork out the hours between two times, minus any break, in hours and decimal.
• Time Card CalculatorAdd up the hours you work each day into a weekly total for payroll.

Free ROAS, break-even, CAC, and lifetime-value calculators for online store operators. See the real unit economics behind your ad spend — instant, no sign-up.

• Break-Even ROAS CalculatorThe exact ROAS where ad spend stops losing money — from contribution margin, not gross.
• CAC CalculatorThe true cost to acquire a paying customer — and why it isn't your CPA.
• LTV CalculatorTurn repeat purchases into the maximum you can afford to spend acquiring a customer.
• ROAS CalculatorFind your break-even ROAS from real unit economics — and whether your current ROAS is actually profitable.

Free file converters that do the boring work for you — pull tables out of a PDF into Excel and more. Processed in memory and discarded, never stored. No sign-up.

• PDF Table to Excel ConverterDrop in a PDF, get every table back as a clean Excel file — no retyping, no sign-up.

Free health and body calculators — BMI and more. Educational estimates based on standard public-health formulas, never a diagnosis or medical advice. No sign-up.

• BMI CalculatorFind your Body Mass Index in metric or imperial — and what the number actually means.