Free Financial Calculators
Every money
decision,
calculated.
20 free calculators for every financial question — mortgages, retirement, debt, taxes and more. No sign-up. No ads. Every number stays on your device.
20Free tools
0Sign-ups
100%Private & client-side
Most Popular
Mortgage Calculator
Monthly payment, total interest, full amortization. Compare scenarios with different rates and down payments.
Long-term Planning
Retirement Calculator
Project your savings against your retirement goal. On-track status at a glance, projected to age 95.
Debt Strategy
Snowball vs Avalanche
Compare payoff strategies across all your debts. Find which method saves the most interest.
Category
Borrowing & Loans
Mortgage Calculator
Monthly payment, total interest, and full amortization schedule. Compare down payment and rate scenarios side by side.
Loan Comparison
Compare up to 4 loans simultaneously. True APR including fees, total cost of borrowing, and full amortization for each.
Auto Loan Calculator
Monthly payment, total interest, and true cost of the vehicle including fees.
Student Loan Refinance
Compare current rate vs refinanced rate. Monthly savings, break-even point, and total interest difference.
Credit Card Payoff
True cost of minimum payments. Debt-free date, total interest, and savings from paying more each month.
Debt Snowball vs Avalanche
Two strategies, head-to-head across all your debts. Find which saves the most in interest and pays off fastest.
Category
Retirement & Investing
Retirement Calculator
Model savings, investment returns, and withdrawal rates. Projected to age 95 with on-track status at a glance.
FIRE Number Calculator
Your 25× number, safe withdrawal rate comparison, and years-to-FI timeline for financial independence.
401k vs Roth IRA
Tax now or tax later? Model your bracket, income, and time horizon to find the clear answer for your situation.
Compound Interest
Watch money grow with interactive charts. Set contribution frequency, rate, and time horizon.
Category
Budgeting & Income
50/30/20 Budget
Enter your income and instantly see your optimal needs, wants, and savings split with a visual breakdown.
Salary → Hourly
Convert annual salary to hourly, daily, weekly, and biweekly. Accurately accounts for PTO and holidays.
Emergency Fund
Personalised savings target based on your expenses and job stability. How many months is enough?
Net Worth Calculator
Assets minus liabilities across every category — cash, investments, property, and debts.
Category
Housing
Rent vs Buy
5 and 10-year true cost comparison that accounts for opportunity cost, property taxes, maintenance, appreciation, and the equity you build. Stop guessing — get the real number.
Mortgage Calculator
Full amortization schedule, monthly payment breakdown, and scenario comparison for any home purchase.
Category
Tax & Macro
Category
Business & Valuation
SaaS Revenue Calculator
Model MRR/ARR growth, LTV:CAC ratio, churn impact, and project 24-month revenue. Essential for subscription businesses.
Business Valuation Calculator
Estimate business value using revenue multiples, EBITDA multiples, or a DCF model. Three methods, one clear answer.
Break-Even Calculator
Fixed costs, variable costs, price per unit. Find how many units to sell before turning a profit.
Philosophy
How Digital.Finance calculators work
01
No sign-up, ever
Every calculator runs entirely in your browser. Your numbers never leave your device. No account, no email, no tracking of inputs.
02
Real math, explained
Every formula is documented. We use the same calculations as banks and lenders — and we explain what each number means.
03
Free, ad-free, always
No ads, no paywalls, no upsells. Every tool is completely free. We believe financial clarity shouldn't cost anything.
Directory
All 20 Calculators
401k vs Roth IRA
Investing
Auto Loan Calculator
Borrowing
Break-Even Calculator
Business
Budget (50/30/20)
Budgeting
Business Valuation Calculator
Business
Compound Interest
Investing
Credit Card Payoff
Borrowing
Debt Snowball vs Avalanche
Borrowing
Emergency Fund
Budgeting
FIRE Number Calculator
Investing
Inflation Calculator
Tax & Macro
Loan Comparison
Borrowing
Mortgage Calculator
Borrowing · Housing
Net Worth Calculator
Budgeting
Rent vs Buy
Housing
Retirement Calculator
Investing
SaaS Revenue Calculator
Business
Salary to Hourly
Budgeting
Student Loan Refinance
Borrowing
Tax Bracket Calculator
Tax & Macro