Free Financial Calculators with AI Insights
Understand your money in seconds. Mortgage, loans, investments, taxes and more — all private, all free, with plain-English AI explanations and visual charts.
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Calculators people use daily
Mortgage Calculator
Calculate your monthly mortgage payment with PMI, taxes, insurance, and HOA. See the full amortization schedule.
OpenAuto Loan Calculator
Estimate your monthly car payment with tax, trade-in, and down payment. Compare loan terms side by side.
OpenCompound Interest Calculator
See how your money grows with compound interest and regular contributions, adjusted for inflation.
OpenRetirement Calculator
Project your retirement savings and monthly income with the 4% safe withdrawal rate.
OpenIncome Tax Calculator
Estimate your federal income tax with 2026 brackets, standard deduction, marginal and effective rates.
OpenCredit Card Payoff Calculator
See how long it takes to pay off a credit card with fixed payments vs minimum payments.
OpenRefinance Calculator
Compare your current mortgage with a refinance offer. See monthly savings, break-even point, and net savings.
Open401k Calculator
Estimate your 401k balance at retirement with employer match, contributions, and growth.
OpenFind the right calculator, fast
Mortgage
Home loans, refinance, affordability, amortization
Loan
Auto, personal, student loans and debt payoff
Investment
Compound interest, retirement, 401k projections
Tax
Income tax, self-employment tax, 2026 brackets
Credit
Credit card payoff, debt strategies, DTI
Which option fits you best?
15 vs 30 Year Mortgage Comparison
A 15-year vs 30-year mortgage comparison tool is a free online tool that shows how loan term length affects your monthly payment and total interest. It compares monthly payment, total interest, and total cost side by side to help you choose the right term. Free, no sign-up required.
Rent vs Buy Comparison
A rent vs buy comparison tool is a free online tool that helps you decide whether to rent or buy a home. It compares net wealth, break-even year, and total housing costs over your holding period. Free, no sign-up required.
Snowball vs Avalanche Debt Payoff
A snowball vs avalanche debt payoff comparison tool is a free online tool that compares two popular debt repayment strategies. It shows which method pays off debt faster and saves more interest with side-by-side metrics. Free, no sign-up required.
Traditional vs Roth IRA Comparison
A Traditional vs Roth IRA comparison tool is a free online tool that compares tax savings, retirement balances, and after-tax withdrawals. It helps you choose which retirement account type saves you more money. Free, no sign-up required.
Fixed vs Variable Rate Mortgage Comparison
A fixed vs variable rate mortgage comparison tool is a free online tool that compares fixed-rate mortgages against adjustable-rate mortgages (ARMs). It shows initial payments, worst-case scenarios, and total cost differences side by side. Free, no sign-up required.
Lump Sum vs Dollar-Cost Averaging Comparison
A lump sum vs DCA comparison tool is a free online tool that compares investing all at once versus spreading purchases over time. It shows final values, volatility impact, and which strategy wins for your scenario. Free, no sign-up required.
Built for clarity, privacy and real understanding
AI Insights
Every result comes with a plain-English explanation of what your numbers mean and what to do next.
Visual Charts
Ring gauges, trend bars and category maps turn raw numbers into something you can actually read.
100% Private
Calculations run in your browser. Nothing is uploaded, stored or tied to an account — ever.
Formula Comparisons
See results from multiple validated formulas side by side so you can pick the right one for you.
Educational Content
Each tool links to guides that explain the science, sources and limitations behind the math.
Completely Free
Every calculator, chart and insight is free with no sign-up, no paywall and no ads in your results.
Start calculating your financial future today
Pick a calculator, get your number in seconds, and read an AI explanation that actually makes sense.
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