40 calculators · 144 guides · all free

Free financial calculators —
answers, not ads.

Digital Calculator is 40 free financial calculators with published methodologies — no ads, no signup, and your numbers stay on your device unless you choose to hand them to an AI assistant.

Mortgage Paycheck 401(k) Compound interest Debt payoff

Live calculator

Mortgage payment

30-year fixed · principal & interest, tax, insurance

Home price $350,000

Down payment 20%

Rate 6.5%

Term 30 yr

$2,237/mo $280,000 loan

M = P·r(1+r)ⁿ / ((1+r)ⁿ−1) Formula published · check our math

Open the full calculator → Embed calculators on your site →

Every formula publishedEach calculator links its methodology — see our accuracy standards.

Free means freeNo ads, no signup, no paywall. Funded by our business tools, not your data.

Private by designCalculations run in your browser. Your inputs stay on your device unless you choose to hand them to an AI assistant, and they are never tracked. Privacy policy.

Sourced, not scraped2026 IRS limits, SSA rules, and Fed data — cited to the primary source.

Start with the big five

All 40 calculators →

HomeMortgage Calculator

Payment, PITI, PMI, and amortization — see what a home really costs per month.

Calculate → IncomePaycheck Calculator

Take-home pay after federal tax, Social Security and Medicare, plus any state tax you enter.

Calculate → Retirement401(k) Calculator

Project your balance with employer match and 2026 contribution limits.

Calculate → SavingsCompound Interest

Watch deposits snowball daily, monthly, or yearly — with charts.

Calculate → DebtSnowball vs Avalanche

Compare payoff strategies and see the exact interest you’d save.

Calculate → NewMoney Flow Visualizer

A living Sankey diagram of your whole paycheck — where every dollar goes.

Browse by goal

Mortgage, affordability, FHA, auto, personal, student loans

6Savings & Investing

Compound interest, CD, investment, ROI, emergency fund

401(k), IRA, Social Security, RMD, Roth conversion

Credit card payoff, snowball vs avalanche, utilization

4Income & Taxes

Paycheck, overtime, tips & taxes, capital gains

6Everyday Tools

Tip calculator, net worth, and daily money math

2Economic

Inflation and purchasing power over time

3Life-Event Planners

Guided multi-step plans: career change, home buying

Guides that go deeper

All 144 guides →

Home buyingHow much house can I afford on $80K? Retirement401(k) benchmarks by age — are you on track? Income & taxesTips & taxes in 2026: what H.R.1 changed

Browse all 40 calculators A–Z

401(k) Calculator APR Calculator Auto Loan Business Loan Capital Gains CD Calculator Compound Interest Credit Card Payoff Credit Utilization Debt Snowball/Avalanche Dependent Care FSA Emergency Fund Employer Childcare Credit FHA Loan HSA Calculator Inflation Calculator Investment Calculator IRA Calculator Approaching Retirement Planner Career Change Planner Home Buying Planner Loan Calculator Money Flow Visualizer Mortgage Affordability Mortgage Calculator Mortgage Payment Net Worth Calculator Overtime Tax Calculator Paycheck Calculator Personal Loan Rent vs Buy RMD Calculator ROI Calculator Roth Conversion Savings Calculator Social Security Student Loan Tip Calculator Tips Tax Calculator Widget Gallery

For business & the AI era

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The same tested engines behind this site — embeddable on your website, callable from your AI assistant, brandable for your product.

Embeddable widgetsDrop a live calculator into any page with one snippet.Browse gallery → Calculator API for AI10 tools via MCP — works inside Claude and other assistants.Read the docs → White-label & reportsBranded calculators and PDF reports for your clients.Talk to us →

Frequently Asked Questions

Are these calculators really free?

Yes, all 40 calculators are 100% free with no hidden fees, subscriptions, or registration required.

How accurate are the results?

Our calculators use industry-standard formulas and every calculator publishes its methodology so you can check the math. Results are estimates - for precise planning, consult a financial professional.

Is my data private?

Yes. All calculations happen in your browser and your financial inputs stay there unless you choose to hand them to an AI assistant. With your consent, we use anonymous page-level analytics to improve our site.

Can I save my calculations?

Many calculators offer save/share functionality. Your data is stored locally in your browser or encoded in a shareable URL.

Can I embed these calculators on my own website?

Yes. Free embeddable widgets drop into any website with a single snippet, and our calculator API (MCP) lets AI assistants like Claude call the same tested engines. See the widget gallery and API docs.

Content reviewed by Mark at Markco Labs. Learn more about our accuracy standards.