📊 FinCalc Lab

Make the money decision, not just the calculation

110 free calculators for the choices that actually move your finances — buy or rent, payoff or invest, Roth or traditional, lease or buy — each showing its math and what the answer means. No sign-up. Nothing tracked. Everything runs in your browser.

110 calculators 70 in-depth guides 100% free & private

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🏠 Mortgage Calculator Full monthly housing cost: loan, property tax and insurance. 📈 Compound Interest Calculator Project how savings grow with monthly deposits and compounding. 🏡 Rent vs Buy a Home Calculator Compare renting vs buying by true net cost over the years you'll stay. 🚗 Lease vs Buy a Car Calculator Compare the true cost of leasing vs buying over the years you keep it. 🏦 15 vs 30 Year Mortgage Calculator Compare payment, total interest, and investing the payment difference. 🔥 FIRE Number Calculator Your target nest egg for financial independence. 🧾 Take-Home Pay Estimator Estimate net monthly pay from gross salary and tax rates. ⚖️ Pay Off Debt vs Invest Calculator Should spare cash attack debt or go into investments? Compare net worth.

Tough calls, compared side by side

Head-to-head tools for decisions with real money on both sides — see all comparison tools.

⚖️ Roth vs Traditional 401(k) Calculator Compare after-tax retirement income from pre-tax vs Roth contributions. 🏛 Social Security Break-Even Calculator Compare claiming at 62, full retirement age or 70 — and the age each choice pays off. ⚖️ ARM vs Fixed Mortgage Calculator ARM discount vs 30-year fixed over your real horizon — with the cap-out worst case. 🏛️ Pension Lump Sum vs Annuity Calculator The return your lump sum must earn to match the pension checks — the one number that decides. 👶 Daycare vs Staying Home Calculator Second paycheck minus childcare, taxes and work costs — the honest hourly wage that's left. 🎓 Student Loan Refinance Calculator New rate vs old, monthly and lifetime — and the federal protections a refi burns.

All calculators

Mortgages & Home

🏠 Mortgage Calculator Full monthly housing cost: loan, property tax and insurance. 🔑 House Down Payment Calculator Down payment amount and monthly saving to reach it. 🔄 Mortgage Refinance Calculator Monthly savings and break-even point of refinancing. 🏡 Extra Mortgage Payment Calculator How extra payments cut mortgage interest and time. 🗓️ Biweekly Mortgage Calculator How biweekly payments shorten your mortgage. 📅 Amortization Schedule Calculator Yearly principal vs interest breakdown of any loan. 🏦 Home Equity Calculator Your home equity and borrowable amount at a target LTV. 🏡 Home Affordability Calculator Max home price from your income using the 28/36 rule. 📍 Mortgage Points Calculator Whether paying points to lower your rate pays off. 🏡 Home Sale Proceeds Calculator Your net cash after paying off the mortgage and selling costs. 🏡 Rent vs Buy a Home Calculator Compare renting vs buying by true net cost over the years you'll stay. 🏦 15 vs 30 Year Mortgage Calculator Compare payment, total interest, and investing the payment difference. 🏦 HELOC Calculator How big a credit line your equity supports, and payments in both phases — including the jump. ⚖️ ARM vs Fixed Mortgage Calculator ARM discount vs 30-year fixed over your real horizon — with the cap-out worst case. 🚪 PMI Calculator Monthly PMI, total cost, and the three exit dates — including the appraisal shortcut. 🔑 Closing Costs Calculator Itemized buyer closing costs and total cash to close — lender, title, escrow and prepaids. 📉 Mortgage Recast Calculator What a lump sum + re-amortization does to your payment — vs just prepaying, vs refinancing. 🏠 Property Tax Calculator Annual bill and monthly escrow from home value and state — or your exact local rate. 🔨 Home Maintenance Budget Calculator A realistic annual number — age, climate and size adjusted — as a monthly set-aside.

Savings & Investing

📈 Compound Interest Calculator Project how savings grow with monthly deposits and compounding. 🎯 Savings Goal Calculator Find the exact monthly saving needed to hit a target amount. 📊 Investment Return (CAGR) Calculator Turn a total gain into an honest annualized return. 💹 ROI Calculator Total and annualized return on any investment or project. ⏳ Rule of 72 Calculator Estimate doubling time from an interest or growth rate. 🕐 Present Value Calculator Discount a future sum back to today's dollars. 🪙 Dividend Income Calculator Annual dividend income, yield and reinvested growth. 📐 Simple Interest Calculator Interest on principal only, no compounding. 🏦 CD Calculator Maturity value and interest earned on a CD. 🔁 APY Calculator Turn a nominal rate + compounding into true APY. 📉 Real Rate of Return Calculator What your return is really worth after inflation. 💰 Millionaire Calculator Years to reach $1,000,000 (or any target). 🔮 Future Value Calculator Grow a lump sum plus deposits to a future value. 🪤 Investment Fee Impact Calculator How much a fund's annual fee costs you over time. 💹 Savings Rate Calculator Your savings rate and what it means for freedom. 🎓 College Savings Calculator Projected education cost and the monthly saving to fund it. ⏳ Time to Save Calculator How long a monthly amount takes to reach a target. 🪜 CD Ladder Calculator Split a lump sum into a CD ladder: rung schedule, blended APY, and what each year unlocks.

Retirement

🌴 Retirement Savings Calculator Project your nest egg and the income it could support. 🏦 401(k) Calculator Project 401(k) growth including the employer match. 💰 Roth IRA Calculator Project tax-free Roth IRA growth from regular contributions. 🏖️ Retirement Withdrawal Calculator How long a nest egg lasts at a given withdrawal. 💵 Annuity Payout Calculator Monthly income a lump sum can pay over a period. 🔥 FIRE Number Calculator Your target nest egg for financial independence. 🏄 Coast FIRE Calculator The amount that grows to retirement with no new savings. 🏛 Social Security Break-Even Calculator Compare claiming at 62, full retirement age or 70 — and the age each choice pays off. ⚖️ Roth vs Traditional 401(k) Calculator Compare after-tax retirement income from pre-tax vs Roth contributions. 🩹 HSA Calculator Project your HSA and see the triple tax advantage vs a 401(k) or taxable account. 📅 RMD Calculator Your required minimum distribution by birth year, plus a year-by-year projection. 🔄 Roth Conversion Calculator Convert at today's tax rate vs staying traditional — final spendable wealth, both ways. 🚨 401(k) Early Withdrawal Calculator Taxes, the 10% penalty, what lands in your account — and what it would have become. 🏛️ Pension Lump Sum vs Annuity Calculator The return your lump sum must earn to match the pension checks — the one number that decides.

Debt & Credit

💳 Loan Payment Calculator Monthly payment, total interest and cost of any amortized loan. 🚀 Loan Payoff Calculator See how extra monthly payments shorten a loan and cut interest. 🧊 Debt Avalanche vs Snowball Calculator Compare the two classic payoff strategies on your own debts. 💳 Credit Card Payoff Calculator How long to clear a card, and what interest costs you. ⚖️ Debt-to-Income (DTI) Calculator The ratio lenders use to approve mortgages and loans. 🎓 Student Loan Calculator Monthly payment and total interest on student debt. 🧮 Debt Consolidation Calculator See if one consolidated loan beats your current debts. ⚖️ Loan Comparison Calculator Put two loan offers side by side to see the real cost. 💳 Credit Utilization Calculator Your credit utilization ratio and its score impact. ⚖️ Pay Off Debt vs Invest Calculator Should spare cash attack debt or go into investments? Compare net worth. 💳 Balance Transfer Calculator 0% promo vs staying put — fee included, with the payment that clears it in time. 🎓 Student Loan Refinance Calculator New rate vs old, monthly and lifetime — and the federal protections a refi burns. ⚠️ Payday Loan Calculator What the fee works out to as an APR, what rollovers cost, and every cheaper alternative ranked.

Budgeting & Life

💸 50/30/20 Budget Calculator Split your take-home pay into needs, wants and savings. 🛟 Emergency Fund Calculator Size your emergency fund and see how long it takes to build. 🎈 Inflation Calculator See what today's money will be worth in the future. 📋 Net Worth Calculator Add up what you own, subtract what you owe. 🏡 Rent Affordability Calculator A sensible rent range based on your income. 🛒 Unit Price Calculator Find the real cost per unit and the better deal. 📈 Rent Increase Calculator New rent after an increase, and if it's fair. 🛩️ Savings Runway Calculator Months your savings would cover with no income. 🛡️ Life Insurance Needs Calculator Coverage sized from your debts, income, kids and savings — not a salesperson's rule of thumb. 👶 Daycare vs Staying Home Calculator Second paycheck minus childcare, taxes and work costs — the honest hourly wage that's left. 🧠 College ROI Calculator Degree cost plus foregone wages vs the earnings premium — breakeven age and lifetime value. 🚚 Move or Stay Calculator Renewal increase vs the all-in cost of moving — breakeven month and negotiation number. 📱 Subscription Cost Calculator Your subscription stack's yearly bill, its 10-year invested cost, and what trimming half buys.

Salary & Work

💰 Salary to Hourly Calculator Convert annual salary to hourly, weekly and monthly pay. 🧾 Take-Home Pay Estimator Estimate net monthly pay from gross salary and tax rates. 📆 Hourly to Salary Calculator Convert an hourly wage into weekly, monthly and yearly pay. ⏰ Overtime Pay Calculator Total weekly pay including overtime at any multiplier. 💵 Paycheck Calculator Gross and net pay per paycheck by pay frequency. 📈 Pay Raise Calculator New pay after a raise, and if it beats inflation. 📉 Salary Inflation Calculator Whether your salary has kept pace with inflation. 💰 Bonus Tax Calculator Bonus withholding (22% federal + FICA + state) and what you truly owe at tax time. 📦 RSU Tax Calculator Vest-day tax at your real bracket vs the 22% withheld — and the April surprise in between. 🤝 Job Offer Comparison Calculator Two offers priced on everything: bonus, match, PTO, insurance, commute — and true hourly pay.

Taxes & Shopping

🧾 Sales Tax Calculator Add sales tax to a price, or back it out of a total. 🏷️ Discount Calculator Final price after a percentage off, and what you save. 🍽️ Tip Calculator Work out the tip and split a bill between people. 📈 Capital Gains Tax Calculator Estimate tax owed and net profit on an investment sale. 🧾 Tax Bracket Calculator (2025) Your marginal bracket, effective rate and tax bill under the 2025 federal brackets. 🗓️ Quarterly Estimated Tax Calculator Your four payment amounts and due dates — safe-harbor prior-year method vs 90% of this year. 🧾 Tax Withholding Calculator Project your year-end refund or bill from a pay stub, and the exact W-4 line that fixes it. 🎁 Donation Bunching Calculator Two years of giving in one tax year vs every-year giving — the extra deduction and tax saved.

Business & Self-Employment

⚖️ Break-Even Point Calculator How many sales cover your costs — the first business question. 📉 Profit Margin Calculator Margin, markup and profit from cost and price. 🧑‍💻 Freelance Hourly Rate Calculator Turn a target income into the hourly rate you must charge. 🎯 LTV : CAC Ratio Calculator Lifetime value vs acquisition cost — is growth healthy? 🚀 Startup Runway Calculator Months of cash left from burn rate and balance. ⏳ Payback Period Calculator Time for an investment to recoup its cost. 🏘️ Rental Property ROI Calculator Cap rate, cash flow and cash-on-cash return. 🧑‍💻 Self-Employment Tax Calculator SE tax, the half-deduction, income tax estimate and your quarterly payment. 🧰 Solo 401(k) vs SEP IRA Calculator Max contributions from your profit — and why the solo 401(k) usually wins.

Cars & Commuting

🚗 Car Affordability Calculator Turn a monthly budget into a realistic car price. ⛽ Fuel Cost Calculator Cost of a trip, and yearly fuel spend. 🗝️ Car Lease Calculator Estimate a monthly lease payment from the key terms. 🚗 Commute Cost Calculator Yearly cost of commuting, including the value of your time. 🚗 Lease vs Buy a Car Calculator Compare the true cost of leasing vs buying over the years you keep it. 🚗 Auto Loan Calculator Monthly payment with trade-in value, sales tax, fees and any rolled-in loan balance.

Guides & explainers

Plain-English deep dives behind the tools — browse all 70 guides by topic.

The Financial Order of Operations: What to Do With Your Money First A clear, prioritized sequence for every spare dollar — emergency fund, employer match, high-interest debt, investing — so you never wonder what comes next. How Much House Can You Afford? The 28/36 Rule and Its Honest Limits A practical framework for setting your housing budget — the 28/36 rule, the costs first-time buyers forget, and when the guidelines mislead. When to Claim Social Security: The 62 vs 67 vs 70 Decision, Honestly Claiming age changes your Social Security check by up to 77% for life. How the reductions and credits work, what break-even really tells you, and who should claim early anyway. The Freelancer Tax Survival Guide: SE Tax, Quarterlies, and the Deductions That Matter Everything self-employment does to your taxes in one place — the 15.3% SE tax, quarterly payment schedules, the deductions worth real money, and the retirement accounts that shelter profit. RMDs and the Roth Conversion Window: Defusing Retirement's Tax Time Bomb Big pre-tax balances turn into forced taxable income at 73 or 75. How RMDs snowball, why the years just after retirement are prime conversion season, and how bracket-filling works in practice. HELOC vs Home Equity Loan vs Cash-Out Refinance: Which Way Into Your Equity? The three ways to borrow against home equity compared honestly — how each works, what each costs, which fits staged renovations vs lump sums vs rate resets, and the mistakes that turn equity into trouble. RSUs and Tech Compensation: Reading, Taxing, and Not Fumbling the Equity How RSU grants actually work — vesting schedules, the 22% withholding trap, sell-vs-hold, comparing offers with equity, and building a life on lumpy income. First-Time Home Buyer Guide: From Saving to Closing A step-by-step guide for first-time buyers — how much to save, what you can afford, the full costs, and the process from pre-approval to getting the keys.

Why FinCalc Lab?

Private by design

Every calculation happens in your browser. Your salary, debts and savings never leave your device.

The math, explained

Each tool shows the formula it uses and walks through what the result actually means for you.

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Free to use, no accounts, no "premium" upsell. Supported by unobtrusive advertising.