Simple financial calculatorsfor smarter money decisions.
Plan savings, loans, investing, mortgages, and retirement with free calculators and practical guides.
- Free calculators
- No signup required
- Updated regularly
- Plain-English guides
Clear financial decisions begin with clear calculations. Use practical tools and plain-English guides to better understand savings, debt, investing, loans, and long-term planning.
Start here
Not sure where to begin? The Affordability Calculator is the best starting point for most people.
Enter your numbers to see what you can realistically afford — month-to-month, not just on paper.
Choose a calculator
Free, instant, and built for real financial decisions.
Savings Goal Calculator
Work out exactly how much to save each month to hit your target on time.
Loan Calculator
Estimate monthly repayments, total interest, and your full amortization schedule.
Mortgage Calculator
See your full PITI payment — principal, interest, taxes, insurance, and PMI.
Affordability Calculator
Find the maximum home price you can comfortably afford based on your income.
Compound Interest Calculator
Estimate how your money grows over time with regular contributions.
More calculators
Mortgage
Mortgage Payoff Calculator
See how extra payments knock years off your mortgage.
Amortization Calculator
Full year-by-year mortgage schedule.
Refinance Calculator
Compare a new loan and find your break-even.
Down Payment Calculator
Cash needed and resulting loan amount.
Rent vs Buy Calculator
Find the year buying beats renting.
Debt
Investing
Retirement
Savings
Featured guides
Plain-English explainers to help you make sense of the numbers.
House you can afford on $75K
Realistic price range, monthly payment, and the math.
Read guidePayment on a $400K house
Monthly cost at different rates, terms, and down payments.
Read guideHow much do you need to retire?
The 25× rule and realistic retirement targets.
Read guide$1,000/month growth
What $1K monthly becomes at 10, 20, and 30 years.
Read guidePay off credit card debt faster
Step-by-step plan with real timelines and savings.
Read guideAffordability by salary
Worked examples for $50K, $75K, and $100K incomes.
Read guideHow CalcGrowth works
Choose a calculator
Pick the tool that matches your decision — savings, loan, mortgage, or affordability.
Enter your numbers
Type in your income, target amount, or loan details. Results update instantly.
Understand your results
Read the matching guide to interpret the numbers and plan your next step.
Every calculator on CalcGrowth is 100% free.
No account, no email — start instantly.
Formulas, rates, and guides reviewed often.
All tools are designed to give clear, practical estimates — not financial advice. Always consider your full situation before making decisions.
Read how our calculators work →Frequently asked questions
What is compound interest?
Compound interest is interest earned on both the initial principal and accumulated interest from prior periods. It causes wealth to grow exponentially over time.
How do loan repayments work?
Loan repayments use an amortization formula. Each monthly payment covers interest first, then reduces principal. Early payments are mostly interest; later payments are mostly principal.
Which calculator should I use?
Use the compound interest calculator for savings and investments, the loan calculator for personal or auto loans, and the mortgage calculator for buying a home.
Are these calculators accurate?
Yes — they use the standard financial formulas banks and lenders use. Real quotes vary slightly due to fees and timing, but the math is exact.
Are CalcGrowth calculators free?
Yes — every calculator is 100% free, requires no signup, and runs entirely in your browser.
Start planning your finances today
Use our free calculators to make better financial decisions.
Disclaimer: Estimates only — not financial advice. See how our calculators work for the formulas and assumptions used.