Personal finance calculators that show their work
Most calculators hand you a number and hide how they got it. Ours show the exact formula with your numbers plugged in, compare your options side by side, and explain what the result actually means — instantly, with no sign-up. Ten tools for loans, debt, saving and retirement. Built to be genuinely useful, not just to rank.
Saving & investing
Dividend Calculator
Dividend income, DRIP reinvestment growth, and rising yield on cost over time — with dividend growth and contributions.
Open calculator →Compound Interest
Project investment growth from contributions and time, with a contributions-vs-growth chart.
Open calculator →401(k) Retirement
Projected balance at retirement with employer match, salary growth and compounding — and how much is free match money.
Open calculator →Savings Goal Calculator
Time to reach a goal at your monthly amount — or the monthly amount needed to hit it by a date.
Open calculator →Loans
Mortgage Calculator
Monthly payment with tax, insurance & PMI, total interest, payoff date, and a 15-vs-30-year comparison.
Open calculator →Auto Loan Calculator
Real car payment including sales tax and trade-in, total interest, and a 36-to-72-month cost comparison.
Open calculator →Personal Loan Calculator
Monthly payment, total interest, and the real APR once the origination fee is counted — the number lenders bury.
Open calculator →Debt payoff
Credit Card Payoff
How many months to clear your balance, total interest, and the true cost of the minimum-payment trap.
Open calculator →Debt Snowball vs Avalanche
Enter all your debts and see which payoff method clears them fastest and saves the most interest.
Open calculator →Big decisions
Why these are different
- Formula transparency. Every tool shows the real equation with your inputs — verify the math yourself.
- Scenario comparison. See your options side by side, not one number in isolation.
- Plain-language meaning. We explain what the result implies and what to do next.
- Fast & private. Instant results, no account, no email wall, no clutter.
All tools provide educational estimates, not financial advice. Confirm important figures with a qualified professional.