Personal Finance calculators help you understand your money day to day — salary and take-home pay, tips and discounts, savings goals, and early-retirement targets. Popular tools include the Gross Salary Calculator, 401(k) Employer Match Calculator, Tip Calculator, Coast FIRE Calculator, and Double Discount Calculator.
Enter your numbers for an instant estimate, or open the Trending tab to see what others are planning this week. Every calculator is free and works on any device.
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Savings Account vs CD CalculatorCalculate your Certificate of Deposit's value at maturity, total interest earned, and effective APY using compound interest. Free CD vs savings calculator.
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Income Needed for a Purchase CalculatorFind out how much to set aside from each paycheck to reach your savings goal. Enter your target amount and number of paychecks for an instant answer.
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Savings Rate to Retirement CalculatorCalculate your savings rate — the percentage of take-home income you save each period. Enter amount saved and income to see your savings rate instantly.
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Alcohol Recovery Savings CalculatorCalculate how much an addiction has cost you and how much you could save in a year by quitting. Free recovery savings calculator.
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Time to Reach $1 Million Savings CalculatorCalculate how many months and years it takes to reach a savings goal with fixed monthly contributions and compound interest. Free savings goal time calculator.
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Weekly & Monthly Budget Calculator (from an Annual Amount)Convert an annual amount into monthly, bi-weekly and weekly budget figures instantly. Free annual-to-monthly budget calculator with full breakdown.
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Gross Monthly Income from Hourly Wage CalculatorConvert an hourly wage into annual, monthly, weekly and daily gross income using your hours per day, days per week and weeks per year.
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Salary Cap Percentage Calculator — Max Housing Cost as a % of Salary (28% Rule)Estimate your maximum affordable monthly housing cost from your annual salary using the 28% rule. Adjust the ratio and see monthly and annual limits.
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Debt-to-Income (DTI) Ratio CalculatorCalculate your debt-to-income (DTI) ratio instantly. Enter your monthly debt payments and gross income to see the percentage lenders use to assess you.
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Quit Smoking and Save CalculatorCalculate how much money you save by quitting smoking. Enter cigarettes per day, pack size, price and years to see daily, monthly and total savings.
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Double Discount CalculatorCalculate the final price after applying two successive (stacked) discounts. See your final price, total savings, and the true effective discount rate.
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Percentage Discount CalculatorCalculate the sale price and money saved from a percentage discount. Enter the original price and discount percent to instantly see your final price.
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Mortgage Refinance CalculatorCompare your current mortgage to a refinance. Calculate new monthly payment, monthly savings, and the break-even point on closing costs.
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Rent or Buy CalculatorCompare the true cost of renting vs buying a home over your time horizon — mortgage, taxes, maintenance, equity and appreciation included.
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Present Value of Annuity CalculatorCompute the present value of ordinary, due, and growing annuities with custom compounding and payment frequency. Free online PV of annuity calculator.
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50/30/20 Budget CalculatorUse the 50/30/20 budget calculator to split your monthly after-tax income into 50% needs, 30% wants, and 20% savings instantly.
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Real (Inflation-Adjusted) Return CalculatorCalculate your real, inflation-adjusted rate of return using the Fisher equation. See how much your investment truly grows in purchasing power.
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Roth Conversion Tax CalculatorEstimate the federal income tax on a 401(k)/IRA-to-Roth conversion (US). Enter the amount converted and your marginal tax rate to see the tax owed.
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HSA Tax Savings CalculatorEstimate how much you'll save in taxes by contributing to a US Health Savings Account (HSA), including federal, state, and FICA payroll savings.
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401(k) Employer Match CalculatorUS 401(k) employer match calculator. Enter your salary, contribution %, match rate and cap to see how much free money your employer adds each year.
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Restaurant Bill with Tax and Tip CalculatorCalculate your full restaurant bill including sales tax and tip. Enter the subtotal, tax %, and tip %, then split the total evenly between any number of people.
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Annual Percentage Yield (APY) CalculatorCalculate APY (Annual Percentage Yield) from a nominal rate and compounding frequency. See your true effective annual return with the formula APY = (1 + r/n)^n − 1.
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Spending as Percent of Income CalculatorCalculate what percentage of your income goes to a spending category. Enter category spending and total income to see the percent and remaining amount.
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Net Worth Projection CalculatorProject your future net worth from current assets, annual savings, growth rate, and years. See compound growth and total investment gains over time.
Frequently asked questions
What can I work out with these personal finance tools?
Everyday money questions: gross vs take-home pay, hourly-to-salary conversions, tips and split bills, stacked discounts, employer retirement matches, and savings or FIRE targets.
Are the results financial advice?
No. They're estimates to help you plan and compare options. For decisions about your specific situation, speak with a qualified financial professional.
Are these calculators free?
Yes — free, no sign-up, and they work on desktop and mobile.
How accurate are the numbers?
They use standard formulas, but real outcomes depend on tax rules, fees, and terms that vary by country and provider — treat results as a starting point and confirm the specifics.
Do you store the amounts I enter?
No. Everything is calculated in your browser; your inputs are not logged or shared.
