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MoneyCalc

Free financial calculators. Mortgage, loans, retirement, investing, and more. No login, no tracking, instant results.

Real Estate

Mortgage Calculator

Calculate monthly mortgage payments, total interest, and amortization for home loans.

Rent vs Buy

Compare the total cost of renting vs buying a home over time.

Rental Yield

Calculate gross and net rental yield on investment property.

Home Insurance Estimator

Estimate annual homeowner's insurance premiums.

Loans

Loan Calculator

Calculate monthly payments and total cost for any type of loan — auto, personal, or student.

APR Calculator

Calculate the true annual percentage rate including fees and points.

Investing

Compound Interest

See how your money grows with compound interest over time. Includes monthly contributions.

ROI Calculator

Calculate return on investment from initial cost and final value or revenue.

Inflation Calculator

See how inflation erodes purchasing power over time.

Net Worth Calculator

Calculate your net worth: total assets minus total liabilities.

Investment Fee Impact

See how investment fees erode returns over decades.

Retirement

Retirement Calculator

Estimate how much you need to save for retirement based on your age, income, and goals.

FIRE Calculator

Calculate your Financial Independence, Retire Early (FIRE) number and timeline.

Income

Paycheck Calculator

Estimate your take-home pay after federal income tax, Social Security, and Medicare withholding.

Salary to Hourly

Convert annual salary to hourly rate, or hourly rate to annual salary.

Freelance Rate

Calculate what hourly rate to charge as a freelancer to match a target income.

Everyday

Tip Calculator

Calculate tip amount and split the bill between multiple people.

Debt

Debt Payoff

Calculate how long it takes to pay off debt and how much interest you'll pay.

Savings

Savings Goal

Calculate how much to save monthly to reach a financial goal by a target date.

Emergency Fund

Calculate how much you need in your emergency fund based on monthly expenses.

Business

Break-Even Calculator

Calculate how many units you need to sell to cover your costs.

Profit Margin

Calculate gross, operating, and net profit margins.

Markup Calculator

Calculate markup percentage and selling price from cost and desired margin.

Debt & Loans

Auto Loan Calculator

Calculate monthly car payments and total interest.

Student Loan Calculator

Calculate student loan payments under different plans.

Credit Card Payoff

See how long to pay off your credit card balance.

Personal

Auto Insurance Estimator

Estimate monthly car insurance costs.

Financial calculators you can trust

MoneyCalc provides instant financial calculations for the decisions that matter most: buying a home, paying off debt, saving for retirement, and managing everyday expenses. Every calculator runs entirely in your browser with no data collection, no account required, and no hidden agendas.

All calculations use standard financial formulas. Mortgage payments use the standard amortization formula. Tax estimates use current federal bracket rates. Compound interest calculations account for monthly compounding and contributions. Results update instantly as you adjust inputs, letting you explore different scenarios in seconds.

These calculators provide estimates for educational purposes. For significant financial decisions, consult with a licensed financial advisor or tax professional who can account for your specific situation.