Free financial calculators
20 free tools covering mortgages, income tax, paycheck, compound interest, retirement, debt payoff, FIRE, and more. All calculations run in your browser. No account required. Updated for 2026 with official tax tables for the US, UK, Canada, and Australia.
Mortgages & property
Mortgage Calculator
Estimate your monthly principal & interest payment and see how the balance falls over the life of the loan.
Affordability Calculator
Work out the maximum home price you can comfortably afford using the 28/36 DTI rule.
Refinance Calculator
Compare your current loan against a refinance to see break-even point and lifetime savings.
Rent vs. Buy Calculator
Compare the true cost of renting vs. buying — including opportunity cost on your down payment.
Home Improvement ROI Calculator
See what a renovation is really worth at resale compared with investing the same cash.
Loans & debt
Tax & pay
Income Tax Calculator
See your annual tax bill, effective rate, and marginal rate — using current official brackets.
Paycheck Calculator
Gross-to-net take-home pay for any pay frequency.
Freelancer Take-Home Calculator
Self-employment tax, NI, and CPP — real take-home pay for contractors and freelancers.
Capital Gains Tax Calculator
Short and long-term capital gains tax estimates by region.
Crypto Tax Calculator
Add your trades and see net gains, losses, and estimated tax owed.
Savings & growth
Compound Interest Calculator
Watch savings grow with regular contributions over time.
Retirement Calculator
Project your nest egg and sustainable monthly retirement income.
FIRE Calculator
Calculate your financial independence number and your time to retire early.
Inflation Calculator
See how inflation erodes purchasing power — and what return beats it.
Everyday tools
Frequently asked questions
Are the calculators free to use?
Yes — every calculator on Finance Calc App is free, with no account or sign-up required. All calculations run in your browser; nothing is sent to a server.
Which countries do the calculators support?
Our calculators support the United States, United Kingdom, Canada, and Australia. Use the market switcher in the top-right corner to change region. Tax and paycheck tools use official government brackets for each country.
How accurate are the results?
Our calculators use published formulas and official tax tables (IRS, HMRC, CRA, ATO). Results are estimates for planning purposes — edge cases like state/provincial tax, complex deductions, or employer contributions may not be reflected. See our methodology page for full details.