Free Financial Tools and Calculators
Every tool on this page is free, needs no account and runs entirely in your browser, so nothing you type is sent to us. Each one comes with a guide that explains the formula, the assumptions and the 2026 figures behind it, and most let you download your results as a PDF or a CSV file for Excel.
Create and download a professional invoice, estimate, receipt or credit memo, plan a monthly budget, compare the debt snowball with the avalanche, find the monthly deposit for a savings goal or see what a dollar from any year since 1913 is worth today.
Invoices and business documents
Create invoices, estimates, receipts, credit memos and payment reminders and download them as PDF files.
- Invoice Generator Create a professional invoice in a few minutes: your logo, items, discount, sales tax and payment terms, with a live…
- Estimate Generator Create a professional estimate or price quote in minutes, with your logo, line items, sales tax, a deposit and an…
- Receipt Generator Make a professional payment receipt in a minute, with items, sales tax, payment method, a PAID stamp and an optional…
- Credit Memo Generator Create a credit memo for a return, an overcharge or a price adjustment, linked to the original invoice and with sales…
- Payment Reminder Letter Generator Create a professional payment reminder for an overdue invoice in a minute, as a friendly reminder, second notice or…
Work, pay and taxes
Take-home pay, taxes and the numbers behind your work and business.
Budgeting and saving
Plan where your money goes, build an emergency fund and reach savings goals.
- Budget Calculator List your take-home pay, needs, wants and savings to see what is left each month and how your plan compares with…
- Savings Goal Calculator Find the monthly deposit that reaches your savings goal by a target date, or how long it takes at the amount you can…
- Emergency Fund Calculator Your emergency fund target is your essential monthly expenses times the months you want to cover. Calculate it, see…
- Savings Account Calculator Calculate how much interest your savings account will earn with monthly deposits, compare a high-yield APY with the…
Debt, loans and credit cards
See what a loan really costs, pay off cards faster and compare rewards.
- Credit Card Payoff Calculator See when your credit card will be paid off and how much interest you will pay, or the monthly payment you need to be…
- Loan Calculator Enter the amount, rate and term to see your monthly payment, total interest and APR including fees. Add an extra…
- Debt Snowball vs. Avalanche Compare the debt avalanche (highest APR first) with the debt snowball (smallest balance first) on your own debts:…
- Credit Card Rewards Calculator Compare two credit cards on your own spending: yearly rewards, annual fees, welcome bonus, effective reward rate and…
Home buying and mortgages
Monthly payments, affordability and paying a mortgage off early.
- Mortgage Affordability Calculator Lenders start with your income and debts: housing costs around 28% of gross income and total debts around 36%. At a…
- Mortgage Calculator Estimate your monthly mortgage payment with taxes, insurance and PMI, see the total interest over the loan and learn…
- Mortgage Payoff Calculator Find out how much interest and time you save with extra mortgage payments, how a lump sum compares with monthly…
Investing, interest and inflation
Compound growth, APY, CDs, capital gains and the effect of inflation.
- Compound Interest Calculator See how savings and investments grow with compound interest, how much comes from your own contributions and how much…
- Inflation Calculator See what money from any month since 1913 is worth today using the official CPI-U, the cumulative and average annual…
- APY Calculator APY includes the effect of compounding, so it is the number to compare savings accounts and CDs by. Convert a rate to…
- CD Calculator Calculate what a CD earns by maturity, convert an interest rate into APY, estimate the early withdrawal penalty and…
Financial check-ups
Get the big picture of your finances in a few minutes.
Calculators inside our guides
- Quarterly Estimated Taxes: How Much Should You Pay? If you expect to owe $1,000 or more after withholding, you generally must pay estimated tax each quarter. Paying 100%…
- Debt-to-Income Ratio for Personal Loans: What Lenders Want Your debt-to-income ratio compares monthly debt payments with gross monthly income. Many personal loan lenders look…
All tools are free, need no sign-up and run entirely in your browser: nothing you enter is uploaded or stored on our servers. Results are estimates for education, not an offer of credit or financial, tax or legal advice.