12 free calculators · Updated for 2026

Free personal finance calculators, made clear.

Plan a mortgage, crush credit card debt, or see what your 401(k) could become. Accurate calculators with charts, the exact formulas, and plain-English guides — no sign-up, nothing you type ever leaves your device.

Mortgage calculator See all calculators

*Hero figures are live results of our calculators using their default example inputs (e.g. 401(k): age 30, $75,000 salary, 8% + 50% match up to 6%, 6% return).

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IRS 2026tax & 401(k) figures

Find the right money calculator

Home & Mortgage

Buy, borrow and refinance with confidence.

Mortgage CalculatorEstimate your monthly mortgage payment, total interest, and how much time and money extra principal payments can save. Includes a yearly amortization schedule.Open calculator Refinance CalculatorShould you refinance? Compare your current mortgage with a new loan to see the new payment, monthly savings, break-even point on closing costs, and lifetime interest.Open calculator Rent vs. Buy CalculatorCompare the long-term financial outcome of buying a home versus renting and investing the difference, including appreciation, maintenance, taxes, and selling costs.Open calculator

Loans & Debt

Plan payoffs and compare borrowing costs.

Auto Loan CalculatorCalculate your monthly car payment including sales tax, fees, down payment, and trade-in. See the amount financed and total interest.Open calculator Credit Card Payoff CalculatorFind out how many months it will take to pay off a credit card and how much interest you will pay, or what payment you need to be debt-free by a target date.Open calculator Debt Snowball vs. Avalanche CalculatorCompare the debt snowball and debt avalanche methods side by side. See your debt-free date, total interest, and payoff order for up to four debts.Open calculator

Saving & Investing

Grow money and hit your goals.

Compound Interest CalculatorSee how savings or investments grow with compound interest and regular monthly contributions. Choose annual, quarterly, monthly, or daily compounding.Open calculator Savings Goal CalculatorWork out the monthly deposit needed to reach a savings goal by a target date, including interest earned and money you have already saved.Open calculator 401(k) Retirement CalculatorProject your 401(k) balance at retirement with salary growth, employer match, and the 2026 IRS contribution limit of $24,500.Open calculator

Income & Rates

Understand paychecks, rates and inflation.

APR to APY CalculatorConvert an annual percentage rate (APR) to annual percentage yield (APY) and back, for annual, quarterly, monthly, or daily compounding.Open calculator Inflation CalculatorEstimate how inflation raises future prices and erodes the purchasing power of your money over any number of years at an average inflation rate.Open calculator Take-Home Pay CalculatorEstimate your 2026 take-home pay after federal income tax, Social Security, and Medicare, with a simple flat state tax estimate. Single, married, and head of household.Open calculator

Popular mortgage payment tables

Quick answers to “what is the payment on a $300k mortgage?” — computed at several rates and terms.

$100k mortgage payment $150k mortgage payment $200k mortgage payment $250k mortgage payment $300k mortgage payment $350k mortgage payment $400k mortgage payment $500k mortgage payment

Why people trust SteadyMath

Transparent

Every page lists the exact formula and assumptions, so you can check the math yourself.

Tested

Core calculations are verified with automated tests against standard textbook results.

Private

Calculations run entirely in your browser. We never see the numbers you enter.

Sourced

Tax and retirement limits come from official IRS publications and are reviewed when they change.