Free Personal Finance Calculators

Simple, transparent tools for the biggest money decisions. Every calculator runs entirely in your browser — no signup, no data leaves your device.

Last updated: September 5, 2026

Why these exist

Five decision tools, one zero-bias goal: answer the question with real math, not sales pressure.

Each tool shows its assumptions, its sources, and when the conventional wisdom breaks. No lead capture, no upsell to click through the answer.

Most mortgage and personal-finance calculators exist to funnel you toward a lender. These are different: each one is a standalone decision tool that answers a specific question with transparent public-formula math, and then explains why — the assumptions, the edge cases, and when the standard advice stops being right.

They're built to be trustworthy first. All calculations run client-side (nothing is uploaded), the underlying formulas are published and defensible, and the data defaults come from public sources you can check yourself.

Choose a calculator

Tool	What it answers
Rent vs Buy	Is it cheaper to rent or buy over my planned horizon?
Refinance Break-even	Does refinancing pay for itself before I move?
Home Affordability	How much house can I actually qualify for?
Student Loan Refi	Is a private refinance worth losing federal protections?
Social Security Claiming	Claim early (62) or delay (70)?

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