About MoneyCalcly
MoneyCalcly is a collection of free, fast and private personal finance calculators. Our goal is simple: give you clear, honest numbers for everyday money decisions — buying a home, borrowing, saving and paying down debt.
What we offer
- Mortgage Calculator — Estimate your monthly mortgage payment, total paid and total interest.
- Loan Calculator — Calculate payments for personal and other fixed-rate loans in months or years.
- Amortization Calculator — See a full payment-by-payment schedule of principal, interest and balance.
- Compound Interest Calculator — Project how savings grow with annual, monthly or daily compounding.
- Auto Loan Calculator — Work out a car payment including down payment and trade-in.
- Paycheck Calculator — Estimate take-home pay per paycheck with 2026 federal brackets, FICA and state tax.
- Debt Payoff Calculator — Find out how long it takes to pay off a debt and the interest you'll pay.
- Savings Goal Calculator — See how monthly contributions grow and what you need to save to hit a goal.
- House Affordability Calculator — Estimate how much house you can afford using the 28/36 rule.
- Refinance Calculator — Compare your current mortgage to a refinance: savings, break-even and interest.
- Debt Payoff Comparison — Compare the avalanche and snowball methods for paying off multiple debts.
- 401(k) Calculator — Project your 401(k) with employer match, raises and 2026 IRS limits.
- Roth IRA Calculator — See tax-free Roth IRA growth and your 2026 contribution limit by income.
- Credit Card Payoff Calculator — Pay off a card by fixed payment or target date, vs. minimum payments.
- Student Loan Calculator — Estimate student loan payments and how extra payments save interest.
- CD Calculator — Find a CD's value at maturity and compare APY vs. APR compounding.
- Inflation Calculator — See the future cost of money and its purchasing power at an assumed rate.
- Rent vs. Buy Calculator — Compare the net worth of buying a home with renting and investing.
- HELOC Calculator — Find your HELOC limit by CLTV and draw- vs. repayment-period payments.
- Extra Mortgage Payment Calculator — See the months and interest saved by paying extra principal.
- FHA Loan Calculator — Estimate an FHA payment with HUD's upfront and annual MIP.
- VA Loan Calculator — Estimate a VA loan payment including the VA funding fee.
- Net Worth Calculator — Add up assets and liabilities to find your net worth.
- Budget Calculator — Split take-home pay with the 50/30/20 rule: needs, wants, savings.
- Simple Interest Calculator — Calculate interest with I = P × r × t and compare with compounding.
- APR Calculator — Convert a loan's interest rate and fees into its true APR.
- Percentage Calculator — Find X% of a number, what percent, and percentage change.
Our principles
- Private by design. Every calculation runs in your browser. We don't ask for sign-ups and we don't store what you type.
- Transparent math. Each calculator explains its formula and shows worked examples. Our methodology page lists the assumptions and data sources we use.
- Fast and simple. No heavy frameworks, no clutter — pages load quickly on any device.
Important note
Our calculators are educational tools that produce estimates. They are not financial, tax or legal advice. For decisions that matter, talk with a qualified professional. See our terms of use.