Free financial calculators
Make every money move with confidence.
18 instant loan, mortgage & savings calculators. No signup, no fees — and every figure is crunched in your browser, so your finances stay completely private.
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18Calculators
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9 tools
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Mortgage Payment Calculator (PITI)
Calculate your full monthly mortgage payment including principal, interest, property tax, insurance and PMI. Free, instant PITI calculator.
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Home Affordability Calculator
Find out how much house you can afford based on your income, debts and down payment using the 28/36 rule. Free, instant estimate.
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Down Payment Calculator
Calculate your down payment amount and resulting loan size from any home price and percentage. See if you will need PMI. Free and instant.
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Mortgage Payoff Calculator (Extra Payments)
See how much faster you can pay off your mortgage and how much interest you save by adding extra monthly payments. Free, instant, no signup.
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Mortgage Refinance Calculator
See your new monthly payment, total savings, and break-even point when refinancing your mortgage. Free refinance calculator with closing costs.
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Biweekly Mortgage Payment Calculator
See how switching to biweekly mortgage payments saves you interest and pays off your loan years early. Free biweekly vs monthly comparison.
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Mortgage Points Calculator
See what mortgage discount points cost, how much they lower your payment, and how long until they pay for themselves. Free points calculator.
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Interest-Only Mortgage Calculator
Calculate your interest-only mortgage payment and what it jumps to once the interest-only period ends. Free, instant calculator.
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Loan Amortization Calculator
Generate a complete amortization schedule showing principal, interest, and balance for every payment. Free amortization calculator, instant table.
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5 tools
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Auto Loan Calculator (Trade-In & Sales Tax)
Calculate your real monthly car payment including down payment, trade-in value, and sales tax. Free auto loan calculator, instant results.
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Personal Loan Calculator
Estimate your monthly personal loan payment, total interest, and total cost. Free personal loan calculator with instant amortization.
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Student Loan Calculator
Estimate your monthly student loan payment, total interest and total cost over the repayment term. Free student loan calculator.
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Credit Card Payoff Calculator
See how long it takes to pay off your credit card and how much interest you will pay at your current monthly payment. Free payoff calculator.
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Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio instantly and see whether it falls within the limits lenders use to approve loans. Free DTI calculator.
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4 tools
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Compound Interest Calculator
See how your money grows with compound interest and regular monthly contributions. Free compound interest calculator with instant results.
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Simple Interest Calculator
Calculate simple interest and the total amount on any principal, rate and time. Free, instant simple interest calculator.
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Savings Goal Calculator
Find out how much to save each month to reach a financial goal by a target date. Free savings goal calculator with compound growth.
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Retirement Savings Calculator
Estimate how much your retirement savings will grow by the time you retire, based on your contributions and expected return. Free and instant.
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Why CalcWise?
⚡
Instant & accurate
Bank-grade amortization formulas with results that update as you type — no waiting, no spreadsheets.
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Completely private
Every calculation runs in your browser. The numbers you enter never touch our servers.
🎁
Free forever
No signups, no paywalls, no limits. Supported by ads so every tool stays free for you.
Make smarter borrowing decisions
Whether you are buying a home, financing a car, or paying down debt, a few minutes with the right calculator can save you thousands of dollars in interest. Our tools use the same standard amortization formulas that banks use, then show you the full breakdown — monthly payment, total interest, and the savings from paying a little extra. Learn more about us or read our privacy policy.