Financial Tools
Free, practical financial calculators that explain how they work. Every TFC calculator estimates a real number, publishes its methodology, assumptions, and limitations, because a number you cannot explain is not a number you should rely on.
Mortgage Calculator
Estimate a total monthly housing payment: principal and interest, property taxes, homeowners insurance, PMI where applicable, and HOA fees. Adjust any figure to see how it changes.
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Compound Interest Calculator
See how a starting amount and monthly contributions grow over time under different assumed rates of return.
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Retirement Calculator
Project a retirement balance and the yearly and monthly income it might support, under clearly stated assumptions.
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Savings Goal Calculator
Find the monthly amount it takes to reach a savings target on your timeline, with interest factored in.
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Financial Independence Calculator
Estimate your FI number and how many years of saving and investing it could take to reach it.
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Debt Payoff Calculator
See how long it takes to clear a debt and how much interest it costs, and how extra payments speed it up.
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Net Worth Calculator
Add up what you own and subtract what you owe to see your net worth and how much is offset by debt.
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Budget Calculator
See what is left after your spending and how your money splits across needs, wants, and savings against the 50/30/20 guideline.
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Auto Loan Calculator
Estimate a car loan payment and total interest from the price, down payment, trade-in, rate, and term.
Open the calculatorHow Mortgage Payments Work
The concepts behind the calculator: principal, interest, PITI, PMI, and the costs a monthly payment includes.
Read the guideHow TFC Calculators Work
Every calculator page follows the same structure: the calculator itself, a clear result area, an explanatory guide, the methodology, the assumptions used, known limitations, sources, frequently asked questions, related articles, and a financial disclaimer.
Calculator results are educational estimates, not offers, approvals, or individualized advice. For more on how we verify calculations, see How We Research & Fact-Check.