Free finance calculators
Know the number before you sign.
Free, precise calculators for every big money decision — mortgages, loans, debt, insurance, and investing.
Numbers you can actually trust
Finance is high-stakes, so WorthAxis is built for accuracy and privacy first.
Standard published formulas
Every tool uses the same amortization, DTI, and compounding math lenders and planners use — no shortcuts, no black box.
Full-precision math
We compute in full floating precision and round only at the final display, so totals and schedules actually add up.
Your numbers stay private
Calculations run entirely in your browser. Nothing you type is sent to a server, logged, or stored anywhere.
Always free, no sign-up
No account, no paywall, nothing to install. Open a calculator and get your answer in seconds.
Browse all calculators
Grouped by the decision you’re making. Every tool is a genuine working calculator with a worked example and FAQs — not an article with a widget bolted on.
Mortgage & Home
Buy, refinance, and borrow against your home with confidence.
- Mortgage & HomeFree, no sign-upMortgageFree mortgage calculator with taxes, insurance & PMI. Estimate your full monthly payment (PITI) from home price, down payment, rate, and term. USD.
- Mortgage & HomeFree, no sign-upRefinanceFree mortgage refinance calculator. Compare your current loan to a new rate and term to find your break-even point, monthly savings, and lifetime interest.
- Mortgage & HomeFree, no sign-upHome AffordabilityHow much house can I afford? Free home affordability calculator using the 28/36 DTI rule — turn your income, debts, and down payment into a max home price.
- Mortgage & HomeFree, no sign-upHELOCFree HELOC & home equity calculator. See how much you can borrow against your equity using the CLTV rule, your current LTV, and an interest-only vs. repayment estimate.
Loans
Estimate payments and total interest before you borrow.
- LoansFree, no sign-upPersonal LoanFree personal loan calculator: estimate your monthly payment, total interest, and full amortization schedule by loan amount, APR, and term. USD.
- LoansFree, no sign-upAuto LoanFree auto loan calculator with sales tax & trade-in. Estimate your monthly car payment, amount financed, and total interest from price, down payment & APR.
- LoansFree, no sign-upStudent LoanFree student loan calculator with deferment & grace period. See how interest capitalizes during school, then estimate your monthly payment and total interest.
Debt & Credit
Build a payoff plan and see exactly when you’ll be debt-free.
- Debt & CreditFree, no sign-upDebt PayoffFree debt payoff calculator: list your debts and one monthly budget to compare the avalanche vs snowball method — see the payoff order, time, and interest saved.
- Debt & CreditFree, no sign-upCredit Card PayoffFree credit card payoff calculator: enter your balance, APR, and monthly payment to see how long until you’re debt-free and the total interest you’ll pay.
Insurance
Size the coverage your family would actually need.
Investing & Retirement
Project long-term growth and compare investment returns.
- InvestingFree, no sign-up401k / RetirementFree retirement & 401k calculator. Project how much your savings will grow from your balance, monthly contributions, employer match, and expected return.
- InvestingFree, no sign-upROI / ReturnFree ROI calculator. Find your total return on investment, net profit, and annualized return (CAGR) — the rate that makes multi-year investments comparable.