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    Free Finance Calculators 2026 – Mortgage, Loan, Investment & More

    Make smart financial decisions with CalcPlanet's comprehensive finance calculators. Calculate mortgage payments, loan amortization, investment returns, retirement savings, and tax estimates — all for free, in seconds.

    ✓ 139 All Online Calculators✓ No login required✓ Mobile Ready

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    Mortgage CalculatorLoan CalculatorCompound InterestSavings CalculatorROI CalculatorVAT Calculator

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    Loan🔥

    Calculate monthly payments, total interest and amortization schedule for loans.

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    Compound Interest

    Calculate the growth of your investment with compound interest over time.

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    Currency🔥

    Convert currencies with live exchange rates: EUR, USD, GBP, BTC and more.

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    VAT

    Calculate VAT (20%, 10%, 5%) — including and excluding VAT.

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    Retirement

    Calculate your retirement savings based on age, contributions and expected return.

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    Salary

    Convert gross salary to net per month, year, week and hour.

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    What If Invested🔥

    See how much your money would grow if you invested it instead of spending it.

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    Money Wasted🔥

    Calculate how much you spend yearly on daily habits like coffee, eating out, and subscriptions.

    All Financial Calculators (139)

    🏦Loan📈Compound Interest💱Currency🧾VAT🍽️Tip🚗Car Loan🏖️Retirement📊Investment📉Inflation💼Salary📈What If Invested💸Money Wasted🏠Mortgage🐷Savings💸Tax🏷️Discount📊ROI📉Margin🧾Sales Tax💳Credit Card📐Simple Interest🔍Interest Rate📋Budget💰Payment📜Amortization👤Personal Loan🎓Student Loan⏳Present Value🔮Future Value🤝Commission📉Depreciation📊Break-Even🏷️Markup📈CAGR⚖️DTI Ratio🏖️Pension Supplement🏦IRA📋RMD📜Bond📊Mutual Fund💰APY⏱️Payback Period🏢WACC💵Hourly → Salary💶Salary → Hourly🚗Car Depreciation⏰Overtime💎Net Worth🎯Savings Goal🧾Reverse VAT🏠Max Mortgage🆘Emergency Fund🏛️Wealth Tax🆘Emergency Fund💵Dividend Yield💹P/E Ratio🤝401(k) Match🏘️Rental Yield🛍️Cost Per Use🏦LTV Ratio🏠Buy vs Rent📈Capital Gains Tax🌊Coast FIRE💼Freelance Rate🧾SE Tax⚖️Job Comparison🎓Loan Forgiveness📊Tax Bracket🏖️SWR🎯Sinking Fund⚡Debt Strategy💸Passive Income🏆FI Number🏠Mortgage Points🔑Closing Costs🏢Cap Rate🌿Lean FIRE👑Fat FIRE📅Quarterly Tax⚖️1099 vs W-2🏡Remote Savings📈Raise🎁Bonus Tax🚗Gig Income📊Wealth by Age🏠Affordability⚖️Inheritance Tax🏛️Social Security🛡️Life Insurance🏦HELOC🎓529 Plan🚗Car Depreciation📊Options Greeks📉Real Return📈DRIP💰Savings Rate✌️Rule of 72🌾Tax Loss Harvesting📊Annualized Return🏠Refinance Break-Even🌱Dividend Growth₿Crypto Tax🛡️Emergency Fund📜Bond Yield📊Index Fund🏙️Cost of Living💵After-Tax Salary📈Stock Return💎Net Worth🏘️Buy vs Rent💰Pay Raise💵Monthly Savings⚖️Loan Comparison💱Currency Exchange🧾Net Income📄Coupon Rate🏠Price/Sq Ft📊NPV🏦Stress Test💼Salary Negotiation🏆Wealth Percentile🏠Rent Increase🧾Tax Bracket🎓Loan Payoff🏡Net Proceeds💰Paycheck🏠Property Tax📊Payroll Tax💵Tax Refund🏢Rent Budget💰Take-Home Pay📉Debt Payoff🏡Home Affordability🏠Rent vs Buy🚗Car Lease📈Dividends📊Stock Profit🏦APR💳CD

    Mortgage & Loan Calculators

    Planning to buy a home or take out a loan? Our mortgage calculator shows your exact monthly payment, total interest paid, and a full amortization schedule. Compare different loan terms and interest rates side by side to find the most affordable option.

    Investment & Savings Calculators

    Compound interest is one of the most powerful forces in personal finance. Our investment calculators help you project the growth of your savings, retirement accounts, and stock portfolio over time using proven financial formulas.

    Tax & Business Finance

    Calculate VAT/sales tax, business profit margins, break-even points, and ROI. Our business finance tools help entrepreneurs and small business owners understand their numbers and make data-driven decisions.

    Debt & Credit Management

    Use our credit card payoff calculator, debt consolidation estimator, and debt-to-income ratio tool to take control of your finances and build a clear path to becoming debt-free.

    Financial Calculators Guides

    All Guides →
    Compound Interest Explained – How It Works & Why It Matters
    Understand compound interest with clear explanations, the formula, step-by-step examples, and a free compound interest calculator.
    How Mortgage Interest Works – Complete Guide for Homebuyers
    Understand how mortgage interest is calculated, what affects your rate, how amortization works, and how to pay your mortgage off faster.
    How to Calculate ROI – Return on Investment Guide
    Learn how to calculate ROI with the formula, step-by-step examples for investments, real estate, marketing, and business decisions.
    How Mortgage Amortization Works – Complete Guide
    Understand how mortgage amortization works, how your payments split between principal and interest, and how to pay off your loan faster. With examples.
    How to Calculate a Tip – Quick Guide & Examples
    Learn how to calculate a tip quickly in your head or with a calculator. Includes standard tip percentages, how to split bills, and a free tip calculator.
    What Is CAGR? Compound Annual Growth Rate Explained
    CAGR (Compound Annual Growth Rate) measures the average annual growth of an investment. Learn the CAGR formula, how to calculate it, and when to use it.

    Popular Financial Calculators Calculations

    Frequently searched calculations — answered instantly with formulas and step-by-step explanations.

    Mortgage on $300,000 at 7%Loan payment on $25,000 at 5%Salary after tax calculatorROI on a $5,000 investmentMonthly savings to reach $100kCredit card payoff timelineBreak-even point calculator

    Financial Calculators Formula Reference

    All Formulas →
    Compound Interest Formula – Explained with ExamplesMortgage Payment Formula – Monthly Payment CalculationROI Formula – Return on Investment CalculationDiscount Formula – How to Calculate Sale PriceSales Tax Formula – How to Calculate Tax on a PurchaseLoan Payment Formula – Calculate Monthly PaymentsVAT Formula – How to Calculate Value Added TaxCAGR Formula – Compound Annual Growth Rate Explained

    Frequently Asked Questions

    How do I calculate a monthly mortgage payment?▼
    Monthly Payment = P × [r(1+r)^n] ÷ [(1+r)^n − 1], where P = loan amount, r = monthly interest rate, n = number of payments. Our mortgage calculator computes this instantly for any loan amount, rate, and term.
    What is compound interest and how is it calculated?▼
    Compound interest is interest earned on both the principal and previously accrued interest. Formula: A = P(1 + r/n)^(nt), where P = principal, r = annual rate, n = compounding frequency, t = time in years.
    How do I calculate ROI on an investment?▼
    ROI = (Net Profit ÷ Cost of Investment) × 100. For example, investing $1,000 and gaining $1,200 = ($200 ÷ $1,000) × 100 = 20% ROI.
    What is the difference between APR and APY?▼
    APR (Annual Percentage Rate) does not account for compounding within the year. APY (Annual Percentage Yield) does. APY = (1 + APR/n)^n − 1, where n is compounding periods per year.
    How do I calculate loan payoff time?▼
    Use our loan calculator — enter your balance, interest rate, and monthly payment. It calculates the exact number of months to pay off the loan and total interest paid.
    ✓ Documented formulas — all tools use standard industry formulas✓ Updated regularly — content reviewed 2026✓ Used by thousands daily✓ Free — no sign-up required

    See also

    ₿ Crypto🔢 Mathematics