Free money calculators that respect your privacy
Plain-English tools for paying off debt, building a budget, and saving for what's next. No sign-up, no ads in your way, and your numbers never leave your browser.
Calculators
Debt snowball vs avalancheSee your debt-free date, total interest, and a month-by-month payoff plan for both methods.
Credit card payoffSee when one card will be paid off, the interest it costs, and what paying only the minimum really means.
Loan with extra paymentsMonthly payment, total interest, and an amortization schedule for any loan, plus what paying extra saves.
Debt-to-income ratioYour DTI and housing ratio, how they compare with common mortgage limits, and which debt to pay off to lower it most.
Car affordabilityStart from your monthly budget to find the car price you can afford, and what a 3 to 7 year loan really costs.
Savings goalFind out how much to save each month or paycheck to reach a goal by a date, including interest.
Compound interestHow a starting balance plus monthly deposits grows, how much is interest, and how long money takes to double.
Emergency fundHow much you need for 3 to 6 months of essentials, how long your savings last, and when you'll be fully funded.
Self-employment taxSocial Security and Medicare tax on 1099 and side-gig profit for 2026 and 2027, and how a W-2 job changes it.
1099 vs W-2Compare a salary offer with a contract rate after federal tax, and find the hourly rate that breaks even.
Mileage deduction (2026)Business miles at both 2026 IRS rates (72.5¢ and 76¢), plus the tax the deduction saves.
Home office deductionSimplified ($5 per sq ft) vs regular method, which is bigger, and the 2026 tax it saves.
Quarterly estimated taxFor freelancers and side gigs: self-employment tax, income tax, and what to pay by each 2026 and 2027 due date.
Estimated tax penaltyMissed a quarterly payment? See the IRS underpayment penalty at 2026 rates and what catching up now saves.
50/30/20 budgetSplit your take-home pay into needs, wants, and savings, then compare it with what you spend now.
Spreadsheet templates
Debt Payoff PlannerFor Excel. Snowball and avalanche schedules, a payment log, and a progress tracker you can update every month.
Monthly Budget KitFor Excel. Zero-based planning with a 50/30/20 check, a transaction log, 12 monthly tabs, and a year summary.
Sinking Funds TrackerFor Excel. How much to save each month for up to 30 upcoming expenses and goals, with on-track status and a year view.
Free printable tax logsPDF. A mileage log, a daily tip log, and an income and expense log coded to Schedule C lines. Print as many as you need.
Freelancer Tax TrackerFor Excel. Income and expenses by Schedule C line, quarterly estimated tax from the IRS worksheet, and a payments log. 2026 and 2027.