Run your numbers. Make better decisions. Every calculator on this page is free, built for beginners, and explained in plain English.
Budget & Savings Calculators
Budget Calculator
See where your money is going and whether you’re living within your means.
Best for: Anyone starting a budget for the first time
→ Use the Budget Calculator
Emergency Fund Calculator
How much do you actually need saved before you feel financially stable?
Best for: People building their first safety net
→ Use the Emergency Fund Calculator
Compound Interest Calculator
See how your money grows over time with compound interest. Enter your starting amount, monthly contribution, rate, and years — get a final balance and year-by-year breakdown.
Best for: Anyone planning to invest or save long-term
→ Use the Compound Interest Calculator
Debt Payoff Calculators
Debt Payoff Calculator
See how long it will take to pay off your debt — and how much you’ll pay in interest.
Best for: Anyone with credit card, car, or personal loan debt
→ Use the Debt Payoff Calculator
Credit Card Payoff Calculator
Enter your balance, rate, and payment — see exactly when you’ll be free.
→ Use the Credit Card Calculator
Home Buying Calculators
Mortgage Affordability Calculator
How much house can you realistically afford based on your income and debts?
Best for: First-time home buyers figuring out their price range
→ Use the Affordability Calculator
Down Payment Calculator
How long will it take to save for a down payment at your savings rate?
→ Use the Down Payment Calculator
Closing Costs Calculator
Estimate how much cash you’ll need at closing.
→ Use the Closing Costs Calculator
PMI Calculator
See how much private mortgage insurance adds to your monthly payment.
→ Use the PMI Calculator
Cash-to-Close Calculator
See the full amount of cash you’ll need on closing day — down payment, closing costs, and prepaid items combined.
→ Use the Cash-to-Close Calculator
Loan-to-Value (LTV) Calculator
Find out your LTV ratio and whether it affects your mortgage rate or PMI requirement.
→ Use the LTV Calculator
Combined Loan-to-Value (CLTV) Calculator
Calculate your CLTV when you have a first and second mortgage — important for refinancing and home equity decisions.
→ Use the CLTV Calculator
Piggyback Loan vs. PMI Calculator
Compare the monthly cost of an 80/10/10 piggyback loan against a single loan with PMI to find which saves you more.
→ Use the Piggyback vs. PMI Calculator
80/10/10 Piggyback Mortgage Calculator
Model how an 80/10/10 structure breaks out your first mortgage, second mortgage, and down payment side by side.
→ Use the 80/10/10 Calculator
Home Equity Calculator
See how much equity you’ve built in your home and how it changes as your balance drops or your home value rises.
→ Use the Home Equity Calculator
Credit Calculators
Credit Utilization Calculator
Check if your credit card balances are hurting your score.
→ Use the Credit Utilization Calculator
How to Get the Most Out of These Calculators
Every calculator on this site includes a plain-English explanation of what it does, a worked example using real numbers, notes on what assumptions the calculator makes, and suggested next steps based on your results.
These tools give you estimates, not guarantees. Use them to understand your situation and make better decisions — then verify with a licensed professional before making major financial moves.
All calculators are free to use. Last updated: June 2026.