Free personal finance calculators
No sign-up. No data sold. Enter your numbers and see exactly what happens — credit cards, loans, debt payoff, and savings.
How it works
- Enter your numbers. Balance, rate, payment — the fields a real decision depends on.
- See the math, not a guess. Every tool runs the full calculation and shows total interest, timeline, and the difference each option makes.
- Compare before you decide. What-if scenarios on every tool, so you can test "what if the rate were 1% lower" before you sign anything.
What we cover
Credit Cards
Payoff, balance transfers, APR impact, and whether a card is worth it.
Personal Loans
Refinance vs pay off, monthly payment, total interest, what rates are fair.
Auto Loans
Refi math, payoff vs selling, what a fair auto APR looks like.
Student Loans
Payoff timeline, interest saved by extra payments, refi tradeoffs.
Debt Payoff
Avalanche vs snowball, minimum payment traps, getting out faster.
Savings & Interest
High-yield savings, compound interest, how long to reach a goal.
Why trust these numbers
Every tool states its assumptions on the page, and the methodology page documents the exact formulas used. Your inputs stay in your browser — nothing is stored or sent.