Free Financial Calculators — Loans, Mortgages, Investing & More

FinancialKit offers 43 free financial calculators covering loans, mortgages, compound interest, investments, retirement planning, budgeting, taxes, and net worth. Every tool gives instant results, includes a plain-English guide with the formula behind the math, and lets you export your results to PDF or Excel — no sign-up required.

Pick a calculator below to run your own numbers, or browse the full calculator directory and our personal finance guides.

Mortgage & Real Estate Calculators

Mortgage Calculator — Monthly payment, taxes, insurance, and full amortization.
Mortgage Payoff — See how extra payments shorten your mortgage.
House Affordability — How much house you can afford on your income.
Rent Calculator — How much rent fits your budget.
Rent vs. Buy — Compare the long-term cost of renting and buying.
Refinance Calculator — Savings and break-even point for refinancing.
APR Calculator — True annual cost of a loan including fees.
HELOC Calculator — Home equity line of credit payments.
Home Equity Loan — Borrowing power and payments from home equity.
Down Payment — Down payment targets and savings plan.
FHA Loan — FHA payment with upfront and annual MIP.
VA Mortgage — VA loan payment with funding fee.
Rental Property — Cash flow, cap rate, and ROI for rentals.
Real Estate — Investment returns from buying and selling property.
Debt-to-Income Ratio — DTI ratio lenders use to qualify you.

Investment & Savings Calculators

Compound Interest — Growth of savings with compound interest.
Investment Calculator — Portfolio growth with recurring contributions.
ROI Calculator — Return on investment and annualized return.
Future Value — What today's money grows to over time.
Present Value — Today's value of future money.
Savings Calculator — Reach a savings goal with monthly deposits.
Net Worth — Track assets minus liabilities over time.
Budget Calculator — Plan monthly spending with the 50/30/20 rule.

Retirement Calculators

Retirement Calculator — Savings needed to retire comfortably.
401(k) Calculator — 401(k) balance at retirement with employer match.
IRA Calculator — Traditional IRA growth and tax deferral.
Roth IRA — Tax-free Roth IRA growth vs. taxable savings.
Pension Calculator — Estimate your pension benefit at retirement.

Loans & Debt Calculators

Loan Calculator — Monthly payment and total interest for any loan.
Personal Loan — Personal loan payment with origination fees.
Student Loan — Student loan payoff and interest costs.
Credit Card Payoff — Time and interest to pay off a card balance.
Debt Payoff — Snowball vs. avalanche payoff plan for multiple debts.

Auto Calculators

Auto Loan — Car payment with trade-in, tax, and fees.
Car Lease — Monthly lease payment from cap cost and residual.

Tax & Salary Calculators

Income Tax — Federal tax estimate with 2026 brackets.
Salary Calculator — Convert hourly, monthly, and annual pay.
Take-Home Pay — Net paycheck after taxes and deductions.
VAT Calculator — Add or remove VAT from any amount.

Business Calculators

Profit Margin — Gross, operating, and net margin from revenue and costs.
Cash Flow — Net cash flow from inflows and outflows.
Revenue Growth — Growth rate and CAGR between two periods.
Payroll Calculator — Employer payroll cost including taxes.