Free financial calculators
Money decisions,
made obvious.
Twenty fast, private calculators for home loans, debt, savings and property, each one explaining what your numbers mean and what would change them.
Your monthly repayment
$2,275.44
- Total interest
- $459,160
- Paid off
- Oct 2056
- 30 yrs
- 20 calculators
- 0 sign-ups needed
- 0 inputs stored
- 9 currencies
Home loans & mortgages
Repayments, borrowing power, refinancing and paying it off sooner.
Mortgage calculator
Monthly, fortnightly or weekly repayments with taxes, extras and a full schedule.
Home affordability calculator
Your realistic price range and borrowing power from income, debts and deposit.
Extra repayments calculator
See how much interest and time extra payments or a lump sum save you.
Refinance calculator
Should you switch? Monthly savings, total savings and your break-even point.
LTV / LVR calculator
Your loan-to-value ratio, equity and how far you are from 80%.
Loans & debt
Car loans, personal loans, credit cards and getting debt-free.
Loan calculator
Repayments and total cost for any fixed-rate loan, with a full schedule.
Car loan calculator
Repayments with deposit, trade-in, fees, sales tax and balloon payments.
Personal loan calculator
Repayments plus the real APR once upfront and monthly fees are included.
Loan comparison calculator
Put two loan offers side by side and see which really costs less.
Credit card payoff calculator
How long to clear your card, and what paying a bit more saves.
Debt payoff calculator
Plan your way out of multiple debts and compare snowball with avalanche.
Debt-to-income calculator
Your DTI ratio and how lenders are likely to read it.
Savings & growth
Compound interest, goals, retirement and the cost of inflation.
Compound interest calculator
Watch savings grow with regular deposits, any compounding frequency and inflation.
Savings goal calculator
How much to save each month to hit a target by a date.
Retirement calculator
Will your nest egg last? Project savings and a sustainable income.
Simple interest calculator
Interest on a principal, rate and time, compared with compounding.
Inflation calculator
What money will be worth, or cost, in the future at a given inflation rate.
Property investing
Rental yield, cash flow and whether to rent or buy.
US: 401(k), IRA & pay
Calculators built on US rules: 401(k), Roth IRA, take-home pay, CDs, HELOCs and student loans.
401(k) calculator
What your 401(k) could grow to by retirement, with your employer match and the 2026 contribution limits.
Roth IRA calculator
What a Roth IRA could grow to tax-free, with the 2026 contribution limit and income phase-out.
Paycheck calculator
Your take-home pay after federal income tax, Social Security, Medicare, state tax and 401(k) contributions.
CD calculator
What a certificate of deposit earns by maturity, from its APY or rate, with early withdrawal penalties and tax.
HELOC calculator
How much you could borrow against your home, and the payments during the draw and repayment periods.
Student loan calculator
Your monthly student loan payment, total interest and how much extra payments save.
India: EMI, GST & tax
India editions in rupees, from EMI and home loan eligibility to FOIR, plus GST, late GST interest and tax on gifts.
Income Tax Calculator 2026-27 (New vs Old Regime)
Your tax for 2026-27 under the new and old regimes side by side, with the ₹12 lakh rebate.
EMI Calculator
The EMI on any loan, with total interest, the flat-rate equivalent and an EMI-by-EMI schedule.
Home Loan EMI Calculator
Your monthly home loan EMI with property tax, maintenance, part-prepayments and a full EMI schedule.
SIP Calculator
What a monthly SIP or a lump sum could grow to, with yearly step-ups and the value in today’s rupees.
FD Calculator (Fixed Deposit)
Fixed deposit maturity value and interest, with quarterly compounding, payout options and tax.
PPF Calculator
PPF maturity value at the current 7.1% rate, with deposit timing and 5-year extensions.
GST calculator
Add or remove GST at 5%, 18%, 40% or any rate, with the CGST, SGST and IGST split.
GST interest calculator
Interest on late GST payment at 18% a year, or 24% on excess input tax credit.
Gift tax calculator
Check whether a gift is taxable under the ₹50,000 rule and see the tax at your slab rate.
Why CredoCalc
Built to answer the question behind the question
Most calculators stop at a number. Ours tell you what it means and what would change it.
Answers as you type
No Calculate button and no page reloads. Every result, chart and schedule updates instantly.
Plain-English insights
We explain what your numbers mean and run the what-ifs for you, like how much an extra $100 saves.
Private by design
Your numbers never leave your device. No accounts, no forms, no lead generation, no selling your data.
Any currency
Switch between dollars, pounds, euros, rupees and more. The terms cover the US, Australia, UK and Canada.
Share, print, export
Send a link with your exact scenario, save a PDF for your broker, or download the schedule as CSV.
Light and green
Pages weigh a few dozen kilobytes. That makes them fast on any phone, and lighter on the planet.
How we calculate
Transparent maths you can check
No black boxes. Every result comes from a published formula, and every page shows its working.
Standard formulas
Loans use the fixed-payment amortization formula and are scheduled repayment by repayment. Savings compound at the frequency you choose. APRs include fees by solving for the true rate of return.
Worked examples, checked
Each calculator page walks through an example using its default numbers, calculated by the same code that runs the tool. We test edge cases like 0% rates and repayments that don't cover interest.
Official sources
Guides and calculators link to independent guidance from regulators such as the CFPB, ASIC's Moneysmart and the Financial Consumer Agency of Canada, so you can verify the rules where you live.
Frequently asked questions
Is CredoCalc a lender or a loan app?
Are CredoCalc calculators really free?
Do you store or share the numbers I enter?
How accurate are the results?
Do the calculators work outside the US?
Is this financial advice?
Guides that make the maths make sense
Short, practical explainers written in plain English.
APR vs Interest Rate: What's the Difference?
How APR, comparison rates and APRC fold fees into one figure, with a worked example, and the situations where that single number can mislead you.
Compound Interest and the Rule of 72, Explained
How compounding really works, why frequency and APY matter, how to use the rule of 72, and why fees and inflation compound against you.
Debt Snowball vs Avalanche: Which Pays Off Debt Faster?
A month-by-month comparison of the snowball and avalanche methods on three real-world debts, plus hybrid plans and when consolidation helps.
Debt-to-Income Ratio Explained: What Lenders Look For
Front-end vs back-end DTI, what counts as debt and income, the limits lenders commonly use in the US and abroad, a worked example and how to lower your ratio.
Fixed vs Variable Rate: Which Is Right for You?
How fixed and variable home loans really work, what break costs and ARM caps mean, and how to stress-test your repayments before you choose.
How Mortgage Amortization Works
Why your early repayments are mostly interest, how the split changes over time, and what that means for paying your loan off faster.