Financial Tools
Loan, mortgage, and savings calculators for financial planning and investment analysis
What's in this category
Calculators for the financial decisions that show up after a job change, a mortgage shopping trip, or a year-end retirement review. Everything is browser-side math — no inputs sent to a server, no account required, no upsell to a "premium" version that just rebrands the same formulas. Designed for people who'd rather understand the underlying numbers than trust a black box.
The Take-Home Pay Calculator estimates net pay after US federal income tax, FICA, state tax, 401(k), and HSA contributions. Amortization generates a full month-by-month schedule for any fixed-rate loan, including principal/interest breakdown. Compound Interest projects investment growth across contribution and return scenarios. Debt Payoff Comparison runs snowball versus avalanche side by side so you can pick the strategy that fits. Retirement Calculator models long-term savings with adjustable contribution, return, and inflation assumptions. Salary to Hourly Converter translates between annual, monthly, biweekly, weekly, and hourly rates.
Amortization Calculator
Calculate monthly payments, total interest, and generate complete amortization schedules for fixed-rate mortgages and loans. Includes early payoff calculator to see savings from extra payments.
Open CalculatorCompound Interest Calculator
Calculate compound interest for savings and investments with regular contributions. See how your money grows over time with different compounding frequencies and contribution schedules.
Open CalculatorDebt Payoff Comparison
Compare debt snowball vs avalanche methods to find your optimal payoff strategy. See which approach saves you more money and time, with detailed schedules and educational resources.
Open CalculatorRetirement Calculator
Plan your path to financial independence with FIRE-focused retirement planning. Calculate your FIRE number, savings rate, and years to freedom. Early retirement is achievable!
Open CalculatorTake-Home Pay Calculator
Estimate your paycheck after US federal income tax, FICA, and state tax. Models 2026 brackets, filing status, 401(k), HSA, and health-premium deductions with an annual breakdown.
Open CalculatorSalary ↔ Hourly Converter
Convert any pay rate into all the others: hourly, weekly, biweekly, monthly, and annual. Adjust hours per week, unpaid weeks off, and paid holidays to match your schedule.
Open CalculatorYour numbers stay on your machine
None of these tools store, transmit, or analyze your financial inputs. Run a paycheck scenario or stress-test a mortgage on a public coffee-shop laptop without worrying about who else might see it. If you want to bookmark a specific scenario, copy the URL — most calculators encode their state in the address bar.
Useful next: Productivity Tools for focused planning sessions (Pomodoro, scratchpad, timezone meeting planner). Data Tools for the supporting transformations like measurement conversion.