Free financial calculators
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Financial calculators that actually help

Fast, free tools to plan your mortgage, loans, savings, and more. No signup. No fluff.

Mortgage calculator

Estimate your monthly home loan repayment

$
$
%
%
yrs
Monthly payment
$0
Loan amount
$0
Total interest
$0
Total cost
$0
Payoff year
—

Loan repayment calculator

Calculate monthly payments for any loan

$
%
mo
Monthly payment
$0
Total paid
$0
Total interest
$0
Principal
$0
Interest %
0%

Compound interest calculator

See how your money grows over time

$
$
%
Final balance
$0
Total invested
$0
Interest earned
$0
Growth multiplier
0x
Monthly contributions
$0

Tip splitter

Split a bill and calculate tips instantly

$
%
Each person pays
$0
Tip amount
$0
Total with tip
$0
Tip per person
$0
Bill per person
$0

Savings goal calculator

Find out how long to reach your savings target

$
$
$
%
Time to reach goal
0 months
Target date
—
Total deposited
$0
Interest earned
$0
Still needed
$0
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Quick finance tips
  • A 20% down payment avoids private mortgage insurance (PMI)
  • Extra monthly payments can cut years off your loan
  • Compound interest doubles money roughly every 10 years at 7%
  • An emergency fund should cover 3–6 months of expenses
  • Pay off high-interest debt before investing
All calculators
  • Mortgage calculator
  • Loan repayment
  • Compound interest
  • Tip splitter
  • Savings goal
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Frequently asked questions

How is my monthly mortgage payment calculated?
Your monthly payment is calculated using the standard amortization formula, taking into account your loan principal, annual interest rate, and loan term in months. The formula is: M = P[r(1+r)^n]/[(1+r)^n-1], where P is the principal, r is the monthly interest rate, and n is the number of payments.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your original deposit. Over time this creates exponential growth. A $10,000 investment at 7% annual return becomes roughly $38,700 after 20 years without adding a single dollar — purely from compounding.
How much tip should I leave at a restaurant?
The standard tip in the US is 15–20% for good service, 20–25% for excellent service, and 10–15% for average or takeout orders. In other countries, tipping customs vary significantly — always check local norms when travelling.
Are these calculators accurate?
Our calculators use industry-standard financial formulas and are accurate for planning purposes. For mortgage calculations, actual rates will vary by lender and your credit profile. Always confirm figures with a licensed financial advisor before making major decisions.
Is my data saved or stored?
No. All calculations happen entirely in your browser. We never collect, store, or transmit any numbers you enter. Your financial information stays completely private.