Free Financial Calculators
Private, no-signup calculators for mortgages, loans, retirement savings, and take-home pay. Everything runs locally in your browser β your numbers never leave your device.
Mortgage Calculator
Monthly payment, taxes, insurance, PMI, HOA, and a full amortization chart.
Most popularLoan Payoff Calculator
Auto, personal, or student loans β see how much extra payments save you.
Retirement Calculator
Project your savings growth with contributions, returns, and employer match.
Paycheck Calculator
Estimate your take-home pay after 2026 federal tax, FICA, and state tax.
Amortization Schedule
Full payment-by-payment breakdown for any loan, with CSV export.
Frequently Asked Questions
Is FinCalc free?
Yes. Every calculator on FinCalc is completely free to use, with no usage limits, no trials, and no paywalls.
Do my numbers get sent anywhere?
No. Every calculator runs entirely in your browser using client-side JavaScript. The figures you enter β income, loan amounts, savings β are processed on your own device and never uploaded to a server.
Do I need an account?
No. There is no signup, no login, and no account of any kind. Open a calculator and start using it immediately.
Is this financial or tax advice?
No. FinCalc provides estimates for general educational purposes only. Every calculator is built on standard, well-documented formulas, but your actual mortgage, loan, or paycheck depends on details a calculator can't know. Always consult a qualified financial advisor, tax professional, or your lender for decisions specific to your situation.
Which calculators are available?
FinCalc includes a mortgage calculator, a general loan payoff calculator (auto/personal/student loans), a retirement savings projector, a US paycheck/take-home-pay calculator, and a standalone amortization schedule generator with CSV export.