Free Financial &
Everyday Calculators
31 free tools for mortgages, loans, retirement, taxes, and daily life. Bank-grade formulas. No signup required.
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Financial Tools
31 Financial Calculators
Every tool you need to plan, budget, and build wealth.
Loans & Mortgage
Mortgage Calculator
Calculate your complete monthly mortgage payment including principal, interest, property taxes, insurance, HOA, and PMI.
Mortgage Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment.
Refinance Calculator
Calculate your break-even point and lifetime savings when refinancing your mortgage.
HELOC Calculator
Calculate your home equity, maximum HELOC borrowing limit, and monthly payments.
Auto Loan Calculator
Calculate your monthly car payment, total loan cost, and full amortization schedule.
Personal Loan Calculator
Calculate monthly payments, total interest, and APR for any personal loan.
Lease vs Buy Car Calculator
Compare the total cost of leasing vs buying a car over any time period. See which option saves you more money with a full cost breakdown.
Rent vs Buy Calculator
Compare the true total cost of renting vs buying a home over any time period, including the break-even year when buying becomes cheaper.
FHA Loan Calculator
Calculate your FHA loan monthly payment including MIP, taxes, and insurance — with upfront MIP and amortization schedule.
Debt & Credit
Credit Card Payoff Calculator
Calculate how long it will take to pay off your credit card balance and how much interest you will pay.
Debt Payoff Calculator
Compare the Snowball and Avalanche debt payoff strategies across all your debts.
Student Loan Payoff Calculator
Calculate your student loan payoff date, total interest, and monthly payment. Compare repayment plans and see how extra payments save thousands.
Debt-to-Income (DTI) Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios to see how lenders assess your mortgage eligibility.
Balance Transfer Calculator
Calculate how much you will save with a balance transfer and whether it is worth the transfer fee.
Savings & Investment
Compound Interest Calculator
See how compound interest grows your money over time with any contribution schedule.
Retirement Calculator
Project your 401k and retirement savings to see if you are on track for a comfortable retirement.
Roth vs Traditional IRA Calculator
Compare Roth IRA vs Traditional IRA to find which gives you more money after taxes.
Savings Goal Calculator
Find out exactly how much you need to save each month to reach any savings goal.
Investment Return Calculator
Calculate total return, CAGR, and ROI for any investment over any time period.
401(k) Contribution Calculator
Project your 401(k) balance at retirement with employer match, year-by-year growth chart, and inflation-adjusted value.
Emergency Fund Calculator
Calculate your ideal emergency fund size, how much you still need, and a savings plan to get fully funded.
CD (Certificate of Deposit) Calculator
Calculate your CD maturity value, total interest earned, and compare compounding frequencies for any term.
Taxes & Income
Net Worth Calculator
Calculate your net worth by tracking all assets and liabilities in one place.
Federal Income Tax Calculator
Estimate your 2026 federal income tax using current IRS brackets and standard deductions.
Paycheck Calculator
Calculate your exact take-home pay after federal taxes, FICA, state taxes, and deductions.
Inflation Calculator
Calculate the inflation-adjusted value of money between any two years using official BLS CPI data from 1913 to 2026.
Salary to Hourly Calculator
Convert any salary to an hourly rate — or hourly to annual. Adjust for hours worked, PTO days, and get a full pay period breakdown.
Break-Even Calculator
Calculate the break-even point for any product or service. Find how many units you need to sell to cover costs and start making profit.
Self-Employment Tax Calculator
Estimate your self-employment tax, federal income tax, and quarterly estimated payments as a freelancer or 1099 contractor.
Capital Gains Tax Calculator
Estimate capital gains tax owed on stocks, real estate, crypto, or other assets using 2026 federal tax brackets.
Everyday Use
6 Daily-Use Calculators
Simple tools for everyday calculations — no financial knowledge needed.
Tip Calculator
Calculate tip amount, total bill, and split between any number of people instantly.
BMI Calculator
Calculate your Body Mass Index (BMI) in both Imperial and Metric units with health category.
Calorie & TDEE Calculator
Calculate your BMR, TDEE, and daily calorie needs based on your body stats, activity level, and weight goal.
Age Calculator
Calculate your exact age in years, months, and days — plus days until your next birthday.
Percentage Calculator
Calculate percentages: find % of a number, % change between values, or what % one number is of another.
Unit Converter
Convert length, weight, temperature, area, and volume between metric and imperial units instantly.
Why People Trust Financial Tier
Free, No Signup
All 26 calculators are completely free. No account, no email, no hidden fees — ever.
Bank-Grade Formulas
Every calculation verified against Bankrate, Zillow, and IRS official publications.
2026 Rates & Brackets
Updated daily with live FRED rates and 2026 IRS tax brackets as soon as published.
No Data Collected
Your inputs stay in your browser. We never store, sell, or transmit your financial data.
Most Used
Popular Calculators
Mortgage
Calculate your complete monthly mortgage payment including principal, interest, property taxes, insurance, HOA, and PMI.
Affordability
Find out how much house you can afford based on your income, debts, and down payment.
Auto Loan
Calculate your monthly car payment, total loan cost, and full amortization schedule.
Credit Card Payoff
Calculate how long it will take to pay off your credit card balance and how much interest you will pay.
Debt Payoff
Compare the Snowball and Avalanche debt payoff strategies across all your debts.
Compound Interest
See how compound interest grows your money over time with any contribution schedule.
Retirement
Project your 401k and retirement savings to see if you are on track for a comfortable retirement.
Income Tax
Estimate your 2026 federal income tax using current IRS brackets and standard deductions.
Paycheck
Calculate your exact take-home pay after federal taxes, FICA, state taxes, and deductions.
Frequently Asked Questions
Yes — all 31 calculators on Financial Tier are completely free to use with no account required. We are supported by non-intrusive advertising (Google AdSense). We will never charge for access to any calculator.
Every calculation formula has been verified against official sources including Bankrate, Zillow, the IRS, and Federal Reserve publications. We cross-check all outputs before publishing. That said, results are estimates — your actual loan terms, taxes, and investment returns will depend on your specific situation.
Interest rates (mortgage, auto, prime) are sourced from the Federal Reserve Economic Data (FRED) API, which pulls from Freddie Mac and Federal Reserve surveys. Rates are updated daily. Tax brackets come directly from IRS.gov publications.
No. All calculations happen entirely in your browser using JavaScript. No financial data you enter is sent to our servers, stored in any database, or transmitted anywhere. We only use Google Analytics to measure page traffic (not your inputs).
Start with whichever matches your most pressing need. Buying a home? Start with Mortgage Calculator. Splitting a restaurant bill? Use the Tip Calculator. Paying off debt? Try the Debt Payoff Calculator.
Our calculators are excellent for education, planning scenarios, and understanding your situation. For major financial decisions, always verify with a licensed financial advisor, CPA, or mortgage professional.