Free Financial Calculators
Simple tools for real money questions — how fast you can get out of debt, what your credit cards are doing to your score, and what your paycheck should actually be. Every calculator is 100% free, with no signup and no email required. Just open one and start typing.
- Free forever
- No signup or account
- Runs in your browser — nothing is stored
Debt Payoff Calculator
See your debt-free date and total interest with the snowball or avalanche method — and how extra payments move the date up.
Open calculatorCredit Utilization Calculator
Find your credit utilization ratio and exactly how many dollars to pay down on each card to reach 30% or 10%.
Open calculatorOvertime Paycheck Calculator
Enter your hourly rate and hours to see your regular pay, time-and-a-half overtime pay, and total gross paycheck.
Open calculatorDebt Snowball vs. Avalanche Calculator
Enter up to 5 debts and see which payoff method wins — side-by-side interest, months to debt-free, and payoff order.
Open calculatorEmergency Fund Runway Calculator
How many months could you survive on your savings? Enter your essentials, see your runway meter, savings gap, and target date.
Open calculatorSide-Hustle Tax Estimator
Gig worker? Enter your 1099 income and see your true take-home after self-employment tax — plus exactly what to set aside per payout.
Open calculatorCompound Interest Velocity Calculator
Drag the sliders and watch your money grow — see exactly how much of your future balance is free money from interest.
Open calculatorSubscription Drain Audit
Find every subscription silently draining your bank account — see the annual damage and what it would've grown to.
Open calculatorBNPL Trap Calculator
Stack up your Klarna and Afterpay plans — see what percent of your next paycheck vanishes and your exact freedom date.
Open calculatorPaycheck Budget Splitter
Split every paycheck into needs, wants, and savings — built for variable shift income, with a payday transfer checklist.
Open calculatorPaycheck & Bill Calendar
Map upcoming paydays and monthly bills in a 45-day cash-flow estimate. Your entries stay in your browser and are not saved.
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