Financial Calculators That Make Money Decisions Easier
Free calculators for mortgages, loans, investments, savings, retirement, debt, salary, and more.
Popular Calculators
Mortgage
Estimate your monthly mortgage payment, amortization schedule, and total cost.
CalculateCompound Interest
See how your savings grow with compound interest and regular contributions.
CalculateLoan
Calculate the payment, total interest, and effective APR on any instalment loan.
CalculateInvestment
Project your portfolio growth with contributions, fees, and inflation.
CalculateRetirement
Find out if you are on track for retirement, and how long your savings will last.
CalculateSalary
Estimate your take-home pay after 2026 US federal tax and FICA.
CalculateDebt Payoff
Compare the snowball and avalanche strategies to pay off multiple debts fastest.
CalculateROI
Calculate return on investment, annualized ROI, and break-even time.
CalculateExplore Financial Calculators
Loans & Mortgages
Calculate mortgage payments, loan costs, and amortization schedules for homes, cars, and more.
2 calculators
Investments
Project investment growth, compound interest, retirement savings, and returns.
4 calculators
Debt
Plan how to pay off credit cards and other debt as fast as possible.
2 calculators
Salary & Income
Convert pay between hourly and salary, and estimate your take-home pay.
1 calculator
Real Estate
Compare renting against buying and evaluate real estate decisions.
1 calculator
Why Use Calcxs?
Completely free
Every calculator is free to use, with no signup required.
Easy to use
Clear inputs, instant results — no financial background needed.
Accurate formulas
The same math lenders, advisors, and spreadsheets use.
Detailed results
Full breakdowns, not just a single number.
Interactive charts
See how your numbers change over time, visually.
No signup required
Start calculating immediately — nothing to create or install.
Learn About Personal Finance
How Does Compound Interest Work?
A clear explanation of compound interest, why it accelerates over time, and how compounding frequency changes the result.
How Much House Can I Afford?
How lenders and financial planners think about affordability, and the income, debt, and down payment rules that determine your budget.
APR vs Interest Rate: What Is the Difference?
Why a loan's APR and its interest rate are not the same number, and which one actually tells you the true cost of borrowing.
How Mortgage Amortization Works
Why your early mortgage payments are mostly interest, how that shifts over time, and what an amortization schedule actually shows.
How to Calculate ROI (Return on Investment)
The ROI formula, common mistakes that overstate returns, and how to annualize a return for fair comparison across time periods.