SmartRates

Financial Calculators

32 free calculators for mortgages, loans, taxes, retirement, savings, credit cards, brokerage accounts & insurance — all using 2026 figures. Everything runs instantly in your browser, with no sign-up required.

🧮 32 calculators📅 2026 data⚡ No sign-up, runs in your browser
🔥
🔥 Popular

Mortgage Payoff Calculator

Monthly payment, total interest & full amortization schedule.

Open
🔥 Popular

Personal Loan Calculator

Monthly payment and APR comparison for any personal loan.

Open
🔥 Popular

Credit Card Payoff Calculator

See your debt-free date and total interest paid vs. minimum payments.

Open
🏠

Mortgage Calculators

🔥 Popular

Mortgage Payoff Calculator

Monthly payment, total interest & full amortization schedule.

Open

Refinance Break-Even Calculator

Monthly savings, break-even month, and lifetime savings.

Open

Home Affordability Calculator

Max home price using the 28/36 rule based on income and debts.

Open
💳

Loan Calculators

🔥 Popular

Personal Loan Calculator

Monthly payment and APR comparison for any personal loan.

Open

Auto Loan Calculator

Car payment with trade-in, down payment, and term comparison.

Open

EMI Calculator

Equated monthly installment with principal vs. interest breakdown.

Open

Student Loan Calculator

Repayment schedule, payoff date, and total interest for student debt.

Open

Home Equity Loan Calculator

Monthly payment and total cost for a HELOC or home equity loan.

Open
📋

Tax Calculators

📅 2026 Updated

Federal Income Tax 2026

2026 IRS brackets, FICA, effective rate, and monthly take-home pay.

Open
New

Take-Home Paycheck Calculator

Net pay per paycheck after federal, FICA, state tax, and 401(k).

Open
🌅

Retirement Calculators

Retirement Savings Calculator

Project your nest egg at retirement with compound growth modeling.

Open
📅 2026 Limits

401(k) Calculator

2026 limits, employer match modeling, and projection chart.

Open
New

FIRE Calculator

Your FIRE number and years to financial independence using the 4% rule.

Open
🏦

Savings & Debt

Compound Interest Calculator

Savings growth with regular deposits and rate comparison.

Open
New

Savings Goal Calculator

Find the exact monthly deposit to reach a target by your deadline.

Open
New

Emergency Fund Calculator

Size your 3–6 month cushion and get a funding timeline.

Open
New

Debt Payoff Calculator

Compare the snowball and avalanche methods across all your debts.

Open
New

Debt-to-Income (DTI) Calculator

Front-end and back-end DTI vs. the 28/36 and 43% lender rules.

Open

Net Worth Calculator

Add up assets and liabilities to track your overall financial picture.

Open

Monthly Budget Calculator

50/30/20 rule breakdown — needs, wants, and savings from your income.

Open
💳

Credit Cards

🔥 Popular

Credit Card Payoff Calculator

See your debt-free date and total interest paid vs. minimum payments.

Open

APR Calculator

Convert between APR and daily/monthly rates and compare card offers.

Open

Balance Transfer Calculator

Calculate savings from moving balances to a 0% intro APR card.

Open

Rewards & Cash Back Calculator

Estimate annual rewards earnings based on your spending categories.

Open
📈

Brokerage Accounts

New

Investment Return Calculator

Project portfolio growth with contributions, rate of return, and inflation.

Open

Stock Profit / Loss Calculator

Calculate gain or loss on a stock trade including commissions.

Open

Dividend Yield Calculator

Annual dividend income and yield-on-cost from stocks or ETFs.

Open
📅 2026 Rates

Capital Gains Tax Calculator

Short- and long-term federal capital gains tax on investment sales.

Open
🛡️

Insurance

New

Life Insurance Coverage Calculator

Estimate how much life insurance you need using the DIME method.

Open

Insurance Premium Estimator

Estimate your auto or home insurance premium based on coverage and risk.

Open
🧮

Other Financial Tools

Inflation Calculator

See how purchasing power changes over time using CPI data.

Open

Currency Converter

Live exchange rates for 150+ currencies for travel and business.

Open