Know Your
Numbers.
35 free calculators for mortgage, FIRE, crypto tax, debt payoff, retirement, and more. Real numbers, confident decisions.
The average 30-year mortgage costs $285,071 in interest alone. Calculate yours →
Calculations run locally. Nothing stored, shared, or sold. Methodology →
Pick Your Category.
33+ calculators sorted by the financial decision you're actually making right now.
Featured Calculators.
The six calculators people use the most. Plug in your numbers and get answers in seconds.
Mortgage Calculator
Break down Principal, Interest, Taxes, and Insurance. Get a full amortization schedule showing exactly when your home becomes 100% equity.
38,240 calculations run
FIRE Calculator
Enter your expenses and savings rate. See exactly when you hit financial independence using the 4% rule.
18,720 calculations run
Compound Interest Calculator
See how compounding turns regular contributions into serious wealth. Model any rate, time horizon, and contribution amount.
24,310 calculations run
401(k) Calculator
See the full tax and compound growth advantage of maxing your 401(k), including employer match and long-term projections.
19,870 calculations run
Capital Gains Calculator
Find out whether your gains are taxed as short-term income or long-term capital gains, and what you'll actually owe.
18,340 calculations run
Crypto Tax Calculator
Calculate your exact crypto tax liability across multiple positions. Short-term vs long-term rates, NIIT for high earners, and tax-loss harvesting savings.
14,120 calculations run
Start Investing with Zero Commissions
Open a Fidelity brokerage account and put your compound interest calculations to work. $0 trades, no account minimums, fractional shares available.
Run the Numbers →Numbers that
talk back.
Every calculator is connected to an AI that reads your results, answers your questions, and surfaces the right next move.
Calculator + AI = Clarity
Enter your numbers. The AI reads your results like a senior financial advisor — context, risks, and what to do next.
Ask the numbers anything
"What if I pay $200 extra per month?" — get a real answer, not a generic tip. Every response is tied to your actual inputs.
Matched to your situation
After every analysis, the AI surfaces the 3 partners best suited to your numbers — lenders, brokers, or accounts that fit.
Your numbers never leave
All calculations run locally. Nothing is stored, shared, or sold. The AI analyzes in the moment — then it's gone.
From numbers to clarity. In four steps.
Enter your numbers
Fill in the calculator with your real figures — loan amount, income, timeline, whatever applies.
Run the calculation
Instant results: monthly payment, total interest, break-even, net worth projection — all computed locally.
Ask the AI anything
Tap the Opal bar. Ask a follow-up. Get a 100-word insight written for your specific numbers, not a generic article.
Take action
The AI surfaces matched partners — the right lender, broker, or account for your situation. One click to apply.
Real users. Real numbers.
“Ran 12 mortgage scenarios before making an offer. Found a 15-year structure that cut $127,000 in total interest versus the 30-year the broker was pushing. The math was there in minutes.”
Marcus T.
Real Estate Investor
“My FIRE number dropped from $3.2M to $2.6M when I modeled a 4.2% SWR instead of 4%. That one input change moved my retirement date from 2031 to 2028. Three years I didn't know I had.”
Sarah K.
Software Engineer
“Debt snowball showed me I had $8,200/year in avoidable interest across four cards. Consolidated into one loan at 9.1% APR. 14 months from zero now.”
David L.
Business Owner
CalcMoney vs. The Rest
See how we compare
Honest, feature-by-feature breakdowns against NerdWallet, Bankrate, SmartAsset, and more.