Thirteen free money calculators — no sign-up, and (the currency converter aside) nothing you type leaves your browser. Each tool below answers one money question with your own numbers. Pick the one that matches the decision in front of you.
See the real cost of borrowing before you sign, and the fastest honest way out of what you already owe.
See the real cost of any loan before you sign: monthly payment, total interest, payoff date and the full amortization schedule — for personal, auto and student loans, and the principal-and-interest part of a mortgage.
Best for: Comparing loan offers, or checking what an extra monthly payment would save on a loan you already have.
You enter: amount, interest rate, term → You get: payment, total interest, payoff date, month-by-month schedule
Open calculatorList all your debts at once and compare the two proven payoff orders side by side: snowball (smallest balance first) and avalanche (highest APR first), with a debt-free date and total interest for each.
Best for: Clearing credit cards, store cards and several loans together with one monthly budget.
You enter: each balance, APR and minimum payment → You get: debt-free date, total interest and payoff order for both methods
Open calculatorOne card, one clear answer: how long a fixed monthly payment takes to clear your balance, what the interest really costs — and what changes if you only ever pay the minimum.
Best for: Anyone with a card balance who wants a payoff date and a payment that actually gets them there.
You enter: balance, APR, monthly payment → You get: months to pay off, payoff date, total interest
Open calculatorTurn a savings habit into a number: what you need, how long it takes, and what your money could grow into.
Watch regular saving grow: a starting amount plus monthly contributions, compounded over time, with a year-by-year table showing exactly how much of the growth is interest doing the work.
Best for: Setting a savings or investing goal and seeing what steady monthly contributions add up to.
You enter: starting amount, monthly contribution, return, years → You get: future value, total contributed, growth earned
Open calculatorProject what your saving could reach by retirement age — including the part your employer adds through a 401(k) match, shown separately so you can see what leaving it unclaimed would cost.
Best for: Checking whether your current monthly saving is on pace, especially if your job offers a match.
You enter: ages, savings, monthly contribution, return, salary and match → You get: projected total, your contributions, employer match, growth
Open calculatorThe spending half of retirement: enter the savings pot you expect to retire on and see the level monthly income it could pay, with Social Security or a pension added on top — plus a year-by-year table of the balance winding down and a check on how long the pot lasts at a spending you choose.
Best for: Anyone nearing retirement who roughly knows their pot and wants to know what it pays each month.
You enter: savings at retirement, years, growth, other income → You get: total monthly income, income from savings, year-by-year drawdown
Open calculatorBuild your safety-net target from your real essential expenses — rent, bills, food, transport, insurance, minimum payments — then see the gap left and how many months of saving close it.
Best for: Deciding how much cash cushion you actually need, instead of guessing a round number.
You enter: essential monthly expenses, months of cover, savings → You get: target fund, gap remaining, months to reach it
Open calculatorWhat a certificate of deposit pays you at the end of the term: enter the deposit, the APY and the months, and see the maturity value and interest earned — with APY vs APR explained in plain words.
Best for: Comparing a CD against leaving the same money in a savings account.
You enter: deposit, APY, term in months → You get: value at maturity, interest earned
Open calculatorThe two biggest housing decisions — what a home really costs each month, and how much rent your pay can carry.
The whole monthly payment, not just the loan part: principal and interest plus property tax, homeowners insurance and HOA, with total interest and a year-by-year amortization summary.
Best for: House hunting with real numbers, or testing how a bigger down payment changes the payment.
You enter: home price, down payment, rate, term, tax and insurance → You get: full monthly payment breakdown, total interest, payoff date
Open calculatorHow much rent your income can actually carry: the 25%, 30% and 35% rules side by side, the 3× test landlords use, and a debt-adjusted figure that accounts for what you already pay each month.
Best for: Before you sign a lease — or before you renew one at a higher rent.
You enter: income, monthly debts, utilities → You get: affordable rent at three rules, the landlord 3× figure, a debt-adjusted figure
Open calculatorThe quick checks: what a salary really pays, what your money is worth abroad, and what inflation quietly does to it.
Turn a salary into the number that actually lands in your account: a simplified federal estimate of income tax withholding, Social Security and Medicare on each paycheck, and the take-home pay left over.
Best for: Checking a job offer, a raise, or why your first paycheck looks smaller than the salary promised.
You enter: salary, pay frequency, filing status → You get: withholding, FICA and take-home pay per paycheck
Open calculatorWhat rising prices do to the money sitting still: what today's amount will cost in the future, and what its buying power quietly falls to, at an inflation rate you choose yourself.
Best for: Understanding why a savings goal needs to grow — and what cash under the mattress really loses.
You enter: amount, inflation rate, years → You get: future cost, future buying power, buying power lost
Open calculatorConvert between 15 major currencies at European Central Bank reference rates, updated daily via Frankfurter: the converted amount, the unit rate and the date of the rate, shown honestly on the page.
Best for: Travel money, remittances, or checking what a price in another currency really means.
You enter: amount and two currencies → You get: converted amount and the live reference rate with its date
Open calculator| Your goal | Use this |
|---|---|
| Borrow money, compare two loan offers, or see what extra payments save | Loan Calculator |
| Buy a home and see the full monthly payment, tax and insurance included | Mortgage Calculator |
| Work out how much rent your income can carry before you sign or renew | Rent Affordability Calculator |
| Clear one credit card balance with a fixed monthly payment | Credit Card Payoff Calculator |
| Clear credit cards and several debts with one monthly budget | Debt Payoff Calculator |
| See what regular monthly saving grows into over the years | Compound Interest Calculator |
| Check whether you are on pace for retirement, 401(k) match included | Retirement Calculator |
| See the monthly income your retirement savings could pay, and how long the pot lasts | Retirement Income Calculator |
| Set the right size for your emergency fund and a date to finish it | Emergency Fund Calculator |
| See what a certificate of deposit pays at the end of its term | CD Calculator |
| Check what a salary pays after tax, or plan around a first paycheck | Paycheck Calculator |
| See what inflation does to the buying power of money you hold | Inflation Calculator |
| Convert money for travel or a purchase in another currency | Currency Converter |
Whichever you use, the guides in our budgeting hub and on the FundMil blog explain the ideas behind the numbers, and the money events calendar tracks the dates — rate decisions, jobs reports, tax deadlines — that can change them.
The free resources section has the same tools as downloadable Excel files — a loan calculator & amortization schedule, a debt payoff planner and a monthly budget starter. Use the web calculators above for an instant answer; use the spreadsheets when you want to save your numbers, print them, or work through a plan over several sittings.
Yes, completely. Every FundMil calculator is free, with no sign-up, no account and no limit on how often you use it.
For twelve of the thirteen calculators, no: they run entirely in your browser, on your own device, and nothing you type is sent to a server, saved, or shared. The one exception is the Currency Converter, which asks the Frankfurter service for the reference rate for the currency you pick — it sends the currency code, never your amounts or anything about you.
They use the standard formulas lenders and payroll use — amortization maths for loans, debts and mortgages, compound growth for savings, and simplified federal withholding rules for the paycheck estimate. Treat the results as well-built estimates for comparing options and planning, not as lender quotes or tax filings; real figures include fees and individual circumstances the tools cannot see.
Start from the decision in front of you. Borrowing? The Loan Calculator. One card balance? The Credit Card Payoff Calculator. Several debts at once? The Debt Payoff Calculator. Saving or investing? The Compound Interest and Emergency Fund calculators. The comparison table above matches common goals to the right tool.
Yes — the free resources section has downloadable Excel versions, including a loan calculator with a full amortization schedule, a debt payoff planner and a monthly budget starter. The web calculators answer quick questions instantly; the spreadsheets are better when you want to save your work and come back to it.
These calculators provide estimates for general education only and are not financial, legal, or tax advice.