True Finance Calc
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31 calculators · 100% free · No signup

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Mortgage

Estimated monthly payment (P&I)

$2,124
$428,549 total interest over 30 years
Home price$420,000
Down payment20% · $84,000
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Compound Growth

Future value at retirement

$405,036
$255,036 in compound interest
Monthly contribution$500
Years25 yr
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Debt Payoff

Time to debt-free

3y 5m
$3,602 paid in interest
Balance$8,500
Monthly payment$300
Interest rate22%
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Bank-grade accuracyData stays in your browserShareable links · CSV / PDF export

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Why Use a Financial Calculator?

Making sound financial decisions requires more than just intuition — it requires accurate math. Whether you are deciding to buy a home, figuring out the best way to pay down credit card debt, or planning for a retirement that is decades away, running the numbers gives you clarity and confidence.

At True Finance Calc, we believe that professional-grade financial tools should be free, fast, and accessible to everyone. Our calculators are built using the same standard amortization formulas and compound interest equations used by banks, lenders, and financial advisors.

Privacy First: Your Data Stays Yours

Unlike many financial sites that require you to create an account or hand over your email address to see your results, our calculators run entirely in your web browser. Your financial data is never sent to our servers. You get instant, private results that you can download as a CSV or PDF for your personal records.

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Browse all 31 calculators

Pick a category to see every tool — from FIRE planning to student loan forgiveness comparisons.

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Buying a Home & Loans

Estimate your monthly payments and understand your borrowing power.

Mortgage Calculator

Estimate monthly payments for a home loan including taxes.

Loan EMI

Calculate Equated Monthly Installments for personal or business loans.

Car Loan

Find out your exact monthly auto loan payments.

Rent vs. Buy

Is it better to rent or buy? See the break-even year and 30yr net worth comparison.

Home Affordability

How much house can you afford? Uses the 28/36 DTI rule with your income and debts.

Auto Refinance

See if refinancing your auto loan saves money with break-even analysis.

Down Payment

Compare down payment amounts and see PMI impact on your mortgage.

Lease vs. Buy Car

Compare the net 3-year financial cost of leasing vs buying a vehicle.

Getting Out of Debt

Build a clear roadmap to pay down debt and minimize interest.

Debt Snowball / Avalanche

Compare Snowball vs. Avalanche across multiple debts — see which saves more.

Debt Payoff

Find out your exact debt-free date and total interest.

Credit Card Payoff

See how increasing your payment reduces your timeline.

Student Loan

Compare Standard, IBR, SAVE, and PSLF repayment plans side-by-side.

Growing Wealth

Project your savings, calculate ROI, and plan for a secure retirement.

Compound Interest

See exactly how your money multiplies over time.

Investment ROI

Calculate the exact return on investment for your assets.

FIRE Calculator

Calculate your FIRE number, Coast FIRE milestone, and years to financial independence.

Retirement Planner

Plan for a secure and comfortable retirement decades out.

Roth vs. Traditional

Compare Roth IRA vs Traditional IRA after-tax wealth at retirement.

Net Worth

Track all your assets and liabilities — get your complete financial snapshot.

Savings Goal

Find out exactly how much to save to hit a target.

CD Calculator

Calculate Certificate of Deposit earnings and early withdrawal penalties.

401(k) Calculator

Project your 401(k) balance with employer match and salary growth.

RMD Calculator

Calculate Required Minimum Distributions based on IRS Uniform Table III.

Capital Gains Tax

Estimate short-term vs long-term capital gains tax on investments.

Everyday Finances

Manage your daily budget, calculate taxes, and understand inflation.

Budget Planner

Create and balance a monthly budget (50/30/20 rule).

Salary Tax

Estimate your exact take-home pay after taxes.

Emergency Fund

How much emergency fund do you need? Get a 3/6/9-month savings plan.

Social Security

Find the optimal age to claim Social Security with break-even analysis.

Inflation

Adjust past values to see how purchasing power changes.

Tip Calculator

Calculate the perfect tip and split the bill among friends.

Paycheck Calculator

Estimate take-home pay after federal & state taxes, FICA, and 401(k).

Hourly to Salary

Convert between hourly wage and annual salary instantly.