calculatory.app

Financial Calculators (12 tools)

Free US financial calculators for mortgages, loans, retirement, and savings. All amounts in USD, all rules aligned to current US tax and lending conventions. No signup, no tracking, no email collection.

All financial calculators

Mortgage

Estimate your monthly mortgage payment with property tax, insurance, PMI, and HOA folded in. Built for the US 30-year and 15-year fixed.

PopularEssential

Refinance

See your refinance break-even point and total interest saved over the new loan term.

New

Car Loan

Estimate monthly auto loan payments, total interest paid, and how down payment changes the math.

Popular

Personal Loan

Monthly payment, total interest, and full amortization schedule for any personal loan amount and term.

401(k)

Project your 401(k) balance at retirement with contributions, employer match, and realistic market returns.

Essential

Credit Card Payoff

See how long it will take to clear your card and how much interest you will pay along the way.

Essential

Debt-to-Income

Calculate your DTI ratio — the number lenders use to decide whether to approve a mortgage or loan.

Compound Interest

See how money grows over time with compounding. Adjust contributions, rate, and frequency.

Popular

Roth IRA

Project tax-free Roth IRA growth based on contributions, expected returns, and years to retirement.

Trending

Retirement

How much you need to retire — based on your spending, expected returns, Social Security, and timeline.

Essential

College Savings

Plan for college costs with inflation-adjusted projections. Built around 529 plan assumptions.

Student Loan Payoff

Compare payoff strategies — avalanche vs snowball — and find your real interest cost.

About these calculators

Every tool here is built for US users: dollar inputs, US tax conventions (401(k) and Roth IRA contribution limits, 529 plan assumptions for college savings), and US lending standards (30-year and 15-year fixed mortgages, average 60–72 month auto loan terms, federal and private student loan distinctions). None of them collect your data — calculations run entirely in your browser.

Each calculator follows the same pattern: editable inputs paired with sliders, results that update instantly, URL-based sharing so you can send a specific scenario to your spouse or lender, save-to-history via local browser storage, and printable PDF output. Where math benefits from a table (amortization, year-by-year projections), there's a downloadable CSV.

These are estimates, not financial advice. For decisions involving large sums, tax implications, or your actual mortgage application, consult a CFP, CPA, or licensed mortgage professional.

Which calculator should I use?

  • Buying a home: Mortgage Calculator first, then Debt-to-Income to check what lenders will approve
  • Lowering an existing mortgage: Refinance Calculator to find your break-even point
  • Buying a car: Car Loan Calculator for monthly payment scenarios
  • Paying off debt: Credit Card Payoff for revolving balances, Personal Loan for installment debt, Student Loan Payoff for federal/private mix
  • Saving for retirement: 401(k) for workplace plans, Roth IRA for individual accounts, Retirement for the full picture
  • Saving for kids' college: College Savings Calculator (529-plan-aware)
  • Growing wealth long-term: Compound Interest for general projections