Know the number before you sign.
Free, accurate calculators for mortgages, loans, taxes and retirement. No sign-up, and your numbers never leave your browser.
- 100% free
- No sign-up
- Updated for 2026 rates
- Calculations stay in your browser
Browse by topic
Pick the decision you're facing. Every tool explains its formula so you can check the math.
Mortgage & home
Payments, affordability, refinancing and rent vs buy.
Mortgage, Biweekly mortgage, Rent vs buyLoans & debt
Personal loans, credit card payoff and debt strategies.
Loan, Credit card payoffTaxes & paycheck
Take-home pay by state, federal income tax and self-employment tax.
PaycheckRetirement & investing
401(k), IRA, compound growth and FIRE planning.
Compound interest, RetirementBudgeting & savings
50/30/20 budgets, savings goals and emergency funds.
Budget, Savings goalAuto
Car loans, lease vs buy and true cost of ownership.
Car loanMost used this month
Mortgage calculator
Full monthly payment with taxes, insurance, PMI and HOA.
Paycheck calculator
Take-home pay after federal and state taxes, for all 50 states.
Car loan calculator
Payment with trade-in, down payment and sales tax.
Compound interest calculator
Watch savings grow with monthly contributions.
Credit card payoff calculator
How long until you’re debt-free, and how to get there faster.
Guides that go with the numbers
Plain-English explanations, written for real decisions.
How much house can you actually afford in 2026?
Lenders use two simple ratios. Here’s how they work, and why the number a bank approves isn’t always the number you should spend.
Compound interest, explained with one cup of coffee
Why starting ten years earlier can matter more than saving twice as much, shown with simple numbers.
Avalanche vs snowball: which debt payoff method saves more?
Two popular ways to pay off several debts. One saves the most money; the other keeps the most people motivated.
Questions people ask us
Can't find your answer? Contact us and we'll reply within two business days.
Are these calculators really free?
Yes. Numbriv is supported by advertising and a small number of clearly labeled partner links. You never need an account or a credit card.
How accurate are the results?
Every calculator uses the standard formulas lenders and the IRS use, and each page shows its formula. Results are estimates; your lender's official Loan Estimate is the final word.
Do you store the numbers I type?
No. All calculations run in your browser. Nothing you enter is sent to our servers.
Is this financial advice?
No. The tools are for education and planning. For decisions about your situation, talk to a licensed financial professional.