Free Personal Finance Calculators

Fourteen fast, free calculators — no signup, no email, nothing tracked. Each one runs the same math as our paid spreadsheet templates, right in your browser.

Debt Snowball Calculator

Snowball vs avalanche, side by side: debt-free date and total interest for both.

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50/30/20 Budget Calculator

Split your after-tax income into needs, wants, and savings in one click.

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Savings Goal Calculator

When will you reach your goal — and what monthly amount hits a deadline?

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Compound Interest Calculator

Future value with monthly contributions, plus a year-by-year growth table.

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Net Worth Calculator

Add up what you own minus what you owe — your single most useful money number.

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Emergency Fund Calculator

How big should your emergency fund be — and when will it be fully funded?

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Mortgage Extra Payment Calculator

See exactly how many years and how much interest an extra monthly payment saves.

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Credit Card Minimum Payment Calculator

See how long minimum-only payments really take — and what a fixed payment saves.

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Rule of 72 Calculator

How fast your money doubles at any rate — plus the exact math behind the shortcut.

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CD Ladder Calculator

Split savings across staggered CDs and see the blended payout vs one long-term CD.

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Salary to Hourly Calculator

Convert annual salary to an hourly rate (or back) — with vacation and unpaid time off counted.

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Sinking Fund Calculator

Plan monthly contributions for several known future expenses at once — new roof, car, property tax, and more.

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FIRE Number Calculator

How much you need invested to retire early, plus your projected FIRE date at your current pace.

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Car Affordability Calculator

How much car you can actually afford, worked backward from your income instead of a dealer's monthly payment.

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Debt-to-Income Ratio Calculator

Your front-end and back-end DTI, rated against the cutoffs lenders actually use, plus how much room you have before you cross one.

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Like the math? Own the system.

Every calculator here has a big sibling: a formula-powered Excel / Google Sheets template that keeps your numbers month after month. One-time purchase, no subscription, your data stays in your file.

Browse the templates →

Why we built these

Most online calculators bury the math under ads and email-capture walls. These don't: every tool on this page runs entirely in your browser, sends nothing anywhere, and shows its assumptions in plain text under the results. They use the same engines as the SheetWell templates — the spreadsheets simply keep your numbers and history where a web page can't.

Frequently asked questions

Are these calculators really free?
Yes — free, no signup, no email, and your numbers never leave your browser. They're how we show the quality of the math behind our paid templates.
Do the calculators store my data?
No. Everything runs locally in your browser with plain JavaScript; refresh the page and it's gone. If you want your numbers kept month after month, that's what the spreadsheet templates are for.

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