Free Money & Finance Calculators
MoneyMathKit provides free money and finance calculators for the most common household questions — no account, no paywall, instant results on any device. Choose from ten specialized tools: a mortgage payment and amortization calculator, a compound interest projector, a percentage solver, a tip and bill splitter, a salary converter, a home equity estimator, a personal loan calculator, a life insurance needs calculator, a refinance break-even comparison, and a debt payoff snowball-vs-avalanche planner. Every calculation runs entirely in your browser using standard formulas.
Mortgage Calculator
Enter your home price, down payment, interest rate, and loan term to calculate the exact monthly principal and interest payment. The calculator generates a full amortization schedule, estimates your PMI and its drop date, shows the interest savings from extra monthly payments, and produces a refinance break-even comparison.
Open mortgage calculator →Compound Interest Calculator
Enter a starting balance, choose a compounding frequency (daily, monthly, quarterly, or annual), and set an interest rate to project how a lump sum grows over time. Add optional recurring monthly contributions to model a savings or retirement account, then view a year-by-year breakdown of principal versus interest earned.
Open compound interest calculator →Percentage Calculator
Solve the most common percent problems in one place: find what percent one number is of another, calculate X percent of a value, or compute the percent change between two numbers. Also handles markup and discount calculations, tax and tip estimates, and the percent-difference formula used in everyday finance.
Open percentage calculator →Tip Calculator
Enter a bill total and select a tip percentage — or key in a custom rate — to instantly see the tip amount and the final total. The calculator splits the bill evenly across any number of diners and handles both tax-included and tax-exclusive totals so every split comes out accurate.
Open tip calculator →Salary Calculator
Convert a gross hourly wage to an annual salary or break a yearly salary into weekly, biweekly, and monthly paycheck amounts. Include overtime hours to model time-and-a-half pay, or enter your pay frequency and deductions to estimate the net take-home amount per paycheck.
Open salary calculator →Home Equity Calculator
Enter your home’s current value and remaining mortgage balance to see how much equity you’ve built and how much you could borrow against it. Calculates your loan-to-value and combined loan-to-value ratios, applies typical lender limits, and estimates your available HELOC or home-equity-loan amount.
Open home equity calculator →Personal Loan Calculator
Enter a loan amount, interest rate, term, and any origination fee to calculate your fixed monthly payment, the total interest paid over the life of the loan, and the effective APR once fees are included. See a full cost breakdown before you sign.
Open personal loan calculator →Life Insurance Calculator
Estimate how much life insurance coverage your family needs using the DIME method — debt, income replacement, mortgage, and education. Enter your financials to see a recommended coverage amount and exactly how each component contributes to the total.
Open life insurance calculator →Refinance Calculator
Compare your current mortgage against a new rate and term to see your new monthly payment, the monthly savings, and the break-even point where your closing costs are recovered. Includes 15-vs-30-year and refinance-vs-recast comparisons.
Open refinance calculator →Debt Payoff Calculator
List your debts with balances, APRs, and minimum payments, add an extra monthly amount, and compare the debt snowball and debt avalanche strategies side by side — debt-free date, total interest paid, and payoff order for each method, so you can see which one clears your balances fastest.
Open debt payoff calculator →Roth vs Traditional IRA Calculator
Compare a Roth and a Traditional IRA to see which leaves you more after-tax money in retirement. Set your contribution, time horizon, expected return, and your tax rate now versus in retirement — choose equal out-of-pocket cost or equal contribution with the tax savings invested — and see the side-by-side after-tax values, which one wins, and by how much.
Open Roth vs Traditional IRA calculator →Why MoneyMathKit
- No signup required. Every calculator loads in under a second.
- Mobile-first. Inputs sized for thumbs, no zooming required.
- Math you can trust. Standard formulas, no rounding tricks, full breakdowns.
- Free forever. No subscriptions, no “pro” gates.