Free Online Financial Calculators
Quickly estimate payments, project investment growth, and compare loan terms. No signup required.
Mortgage Calculator
Estimate monthly payments by loan amount, rate, and term.
Compound Interest Calculator
Project future balance with recurring contributions.
Auto Loan Calculator
Calculate car payments with price, rate, and down payment.
Debt Payoff Calculator
Plan debt repayment with avalanche and snowball methods.
Retirement Calculator
Plan 401k, IRA, and retirement savings goals.
Student Loan Calculator
Compare federal and private student loan payment plans.
Investment Return Calculator
Calculate ROI, CAGR, and compare investment performance.
Budget Calculator
Plan monthly budget with income, expenses, and savings.
Emergency Fund Calculator
Plan emergency savings with timeline and goals.
Why use simplefintools?
- Fast, accurate calculations
- Works on mobile and desktop
- Clear explanations of results
How to use these calculators
- Open a tool: Mortgage, Compound Interest, or Auto Loan.
- Enter your inputs (amount, rate, and term).
- Click Calculate to see your monthly payment or future balance.
- Adjust inputs to compare scenarios and find the best fit.
Complete Financial Planning Guide
Building Your Financial Foundation
Start your financial journey with these essential steps:
- Emergency Fund: Use our Emergency Fund Calculator to save 3-6 months of expenses
- Budget Planning: Create a monthly budget with our Budget Calculator
- Debt Management: Plan debt payoff with our Debt Payoff Calculator
- Credit Score: Pay bills on time and keep credit utilization below 30%
Homeownership Planning
Make informed decisions about buying a home:
- Mortgage Affordability: Use our Mortgage Calculator to determine what you can afford
- Down Payment: Aim for 20% to avoid PMI and get better rates
- Property Taxes: Factor in local property tax rates when budgeting
- Home Insurance: Include homeowners insurance in your monthly payment calculations
Investment and Retirement Planning
Build wealth for your future:
- Compound Interest: Use our Compound Interest Calculator to see how your money grows
- Retirement Planning: Plan with our Retirement Calculator for 401k and IRA strategies
- Investment Returns: Track performance with our Investment Return Calculator
- Diversification: Spread investments across different asset classes
Vehicle Financing
Smart car buying strategies:
- Auto Loan Planning: Use our Auto Loan Calculator to budget for car payments
- Down Payment: Larger down payments reduce monthly payments and total interest
- Loan Terms: Shorter terms mean higher payments but less total interest
- Interest Rates: Shop around for the best auto loan rates
Student Loan Management
Navigate student loan repayment effectively:
- Payment Plans: Use our Student Loan Calculator to compare repayment options
- Income-Based Repayment: Consider IBR, PAYE, or REPAYE for federal loans
- Loan Forgiveness: Research Public Service Loan Forgiveness and other programs
- Refinancing: Compare refinancing options for better rates
Essential Financial Tips
💰 Saving Money
- • Pay yourself first - automate savings
- • Use the 50/30/20 budgeting rule
- • Build an emergency fund before investing
- • Take advantage of employer 401k matches
- • Review and cancel unused subscriptions
📈 Investing Wisely
- • Start investing early to benefit from compound interest
- • Diversify your investment portfolio
- • Consider low-cost index funds
- • Don't try to time the market
- • Reinvest dividends for growth
💳 Debt Management
- • Pay off high-interest debt first
- • Consider debt consolidation for better rates
- • Avoid minimum payment traps
- • Use balance transfer cards strategically
- • Build credit with responsible borrowing
🏠 Home Buying
- • Save 20% for down payment when possible
- • Get pre-approved for mortgage
- • Factor in all homeownership costs
- • Shop around for the best mortgage rates
- • Consider 15-year vs 30-year mortgages
Mortgage payment estimator
Use our mortgage calculator to estimate your monthly home loan payment based on loan amount, interest rate, and term. Compare 15-year vs 30-year mortgages and see how rate changes affect affordability.
Compound interest growth
The compound interest calculator models growth with recurring contributions. Experiment with contribution size and time horizon to understand the impact of compounding on long-term savings.
Car payment calculator
Our auto loan calculator helps you plan a realistic car budget. Adjust vehicle price, down payment, APR, and term to see how each factor changes the monthly payment and total interest.
Frequently asked questions
Are these calculators accurate?
They use standard financial formulas. Actual results may vary due to fees, taxes, and lender policies. Treat outputs as estimates.
Do you store my inputs?
No. All calculations run in your browser. We do not store, transmit, or save your data.
How do I calculate compound interest monthly vs annually?
Our tool compounds monthly by default. For annual compounding, set contributions to yearly and adjust the rate accordingly.
Which APR should I use for car loans?
Use the APR quoted by your lender or a marketplace. If unsure, try a range (e.g., 4%–9%) to compare payments.