Free US money calculators

Know what it really costs, before you decide

Car loans, personal loans, credit card and debt payoff, savings, retirement, rent, EV charging and household running costs: clear answers for US households, with the working shown and no sign-up.

407 calculators and guides2026 figures reviewedFree no sign-up

Most used calculators

🚗Auto loan payment calculator$10,000 to $70,000 💳Personal loan payment calculator$2,000 to $40,000 💳Credit card payoff calculatorTime and interest 🧮Debt payoff calculatorAvalanche vs snowball 🏖️Retirement savings calculatorSavings target and monthly saving 🧮Rent affordability calculatorGross income to rent budget 🔌EV charging cost calculatorCost per charge and per mile 🎯Save $100,000 in 10 yearsAbout $682 a month at 4%

Browse by topic

🚗Auto Loan PaymentsMonthly car loan payments63 pages 💳Personal Loan PaymentsMonthly personal loan payments53 pages 🧾Credit Card and Debt PayoffTime and interest to clear debt38 pages 🏦Savings GrowthMonthly saving, interest and goals163 pages 🏖️RetirementHow much you need and what to save18 pages 🏠Rent AffordabilityHow much rent you can afford12 pages ⚡Energy and Running CostsAppliances and EV charging53 pages

How these calculators work

Each calculator uses a standard formula and shows its assumptions next to the result. Loan payments are equal monthly instalments. Savings growth compounds monthly with money added at the end of each month. Running costs multiply watts by hours by your price per kWh.

The tables on each page are produced by the same code as the tool, so you can compare the page with the calculator and see the same numbers.

Estimates, not advice

These are planning tools, not financial advice. Rates, fees and rules change and your own situation will differ. Use the results to ask better questions, then check the details with your lender, provider or a regulated adviser.