Financial Calculators
Professional-grade financial calculators with detailed educational content. All tools run in your browser for complete privacy.
Use this hub to explore calculators for investing, debt payoff, budgeting, savings goals, refinancing and more. Each tool includes clear explanations, example scenarios, and shareable links so you can revisit your setup later. Not sure where to start? Try the Compound Interest calculator to see how steady contributions grow over time, or the Debt Payoff planner to build a path to debt‑free. You can also estimate a safe Emergency Fund Calculator (3/6/12 months) and check your Savings Rate toward financial independence.
Compound Interest Calculator
See how your investments grow over time with recurring contributions and compounding. Perfect for retirement planning, college savings, or any long-term financial goal.
Debt Payoff Planner
Build a month-by-month plan using snowball or avalanche strategies. Add extra payments and see exactly when you'll be debt-free.
Emergency Fund Planner
Calculate your ideal emergency fund target and timeline based on monthly expenses and risk tolerance. Includes sinking fund planning.
Savings Rate & FI Date
Calculate your savings rate and estimate when you can achieve financial independence. Uses the 4% rule and proven principles.
Goal Timeline Planner
Plan when you'll reach your savings goal with regular contributions and optional step-ups. Perfect for short and medium-term goals.
Refinance Break-Even
Calculate when refinancing pays off by comparing closing costs to monthly savings. Essential for mortgage and loan refinancing decisions.
Budget Splitter
Split your take-home pay using the popular 50/30/20 rule or create custom budget percentages. Includes different pay frequency options.
Extra Payment Impact
See how extra payments can dramatically reduce your loan term and interest costs. Compare different payment strategies.
Credit Card Minimum Cost
See the true cost of paying only minimum payments on credit card debt. Understand payoff timeline and total interest costs.
Debt-to-Income Ratio
Calculate your debt-to-income ratio to understand your financial health and borrowing capacity. Essential for loan applications.
For Educators & Organizations
Use our calculators in classrooms, libraries, and community programs. All tools are free to embed and include accessibility features.
Perfect for financial literacy programs, workshops, and online courses. No accounts required, no data collection.