Financial Calculators for
Smart Money Decisions
18 free calculators covering mortgages, investments, retirement, taxes, and debt. Designed for the US, UK, EU, India & Asia. Instant results, no sign-up.
Mortgage & Real Estate
Compare rates, calculate payments, and decide whether to rent or buy
Mortgage Repayment Calculator
Calculate your exact monthly mortgage payment, total interest paid, and full amortization schedule. Supports US, UK, Germany, India, Singapore & Japan rates.
↗Rent vs Buy Calculator
Is it cheaper to rent or buy a home? Compare total costs over 5–30 years including appreciation, opportunity cost, taxes, and maintenance.
↗Mortgage Refinance Calculator
Find out how much you'd save by refinancing your mortgage. Calculate your break-even point, monthly savings, and lifetime interest reduction.
↗Home Affordability Calculator
How much house can you actually afford? Uses the 28%/36% DTI rule to calculate the maximum home price based on your income and existing debt.
↗Investment & Retirement
Plan your financial future with compound interest, 401(k), SIP, and FIRE tools
Compound Interest Calculator
See how your money grows over time with the power of compounding. Add monthly contributions and compare daily, monthly, quarterly, and annual compounding.
↗401(k) / Pension Planner
Project your retirement savings using 2025 IRS contribution limits ($23,500). Factor in employer match, salary growth, and inflation to estimate your monthly retirement income.
↗SIP Calculator
Calculate returns on your Systematic Investment Plan. Includes Nifty 50 preset (12% p.a.) and step-up SIP to visualize how small regular investments compound into wealth.
↗FIRE Calculator
Financial Independence, Retire Early. Calculate your FIRE number using the 4% safe withdrawal rule and find out exactly how many years until you can retire.
↗Debt & Loan Management
Pay off debt faster, refinance smarter, and understand your true loan costs
Student Loan Refinance Calculator
Compare refinancing options for federal student loans. Uses 2025-26 rates: 6.53% undergrad, 8.08% grad, 9.08% PLUS. Calculates lifetime savings and break-even months.
↗Credit Card Payoff Calculator
Find out exactly when you'll be debt-free. US average APR is 21.5%. See how much interest you save by paying more than the minimum and compare payoff strategies.
↗Auto Loan / Car Lease Calculator
Calculate your monthly car payment and compare buying versus leasing. Factors in down payment, trade-in value, sales tax, and the true cost of a lease money factor.
↗Personal Loan Eligibility
Estimate your personal loan APR based on your credit score (300–850), income, and DTI. See your likely rate range before you apply and understand approval factors.
↗Taxation & Salary
US, UK, and India tax calculators with 2025 brackets and rates
Take-Home Pay Calculator
Calculate your net salary after tax for US (federal + FICA + state), UK (income tax + National Insurance), or India (new vs old regime). 2025 tax brackets included.
↗Freelance Tax Estimator
Freelancers and self-employed: estimate your annual tax bill and quarterly payment schedule. US self-employment tax is 15.3%. Also covers UK NIC and India Section 44ADA.
↗Capital Gains Tax Calculator
Calculate tax on profits from stocks, property, and other assets. Covers US LTCG/STCG rates, UK's updated 18%/24% rates (Oct 2024), and India's 12.5% LTCG equity rate.
↗Specialized Financial Tools
Niche calculators with lower competition — perfect for quick insights
Inflation Calculator
Calculate the purchasing power of money over time. US data from 1913 to 2024. Also covers EU HICP and India CPI. Find out what $100 in 1990 is worth today.
↗Rule of 72 Calculator
Instantly estimate how long it takes to double your money at any interest rate. Includes Rules of 114 (triple) and 144 (quadruple), plus exact logarithmic calculations.
↗Latte Factor Calculator
What if you invested your daily $5 coffee instead? See how small daily expenses compound into surprising wealth over 10, 20, or 30 years at market return rates.
↗Why Choose FinWise Calculators?
Global Coverage
All calculators support US, UK, EU (Germany, France), India, Singapore, and Japan — with region-specific tax brackets and interest rate presets.
Instant Previews
Results update as you type — no need to click "Calculate" for every small change. Powered by the same financial formulas used by banks and financial planners.
Private & Free
No account required. No data stored. No paywalls. All calculations happen on our servers and are never saved or tracked. 100% free forever.