Free financial calculators that show their work
Free tools for debt, home equity, business financing, taxes and benefits. Every calculator explains the formula, cites official sources, and runs privately in your browser.
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Most popular
The calculators people use most this year.
Credit Card Payoff Calculator
Find your payoff date, total interest, and the payment needed to be debt-free by a target date.
Debt & CreditDebt Payoff Calculator: Avalanche vs Snowball
Build a month-by-month plan for all your debts and compare the avalanche and snowball methods.
Debt & CreditMortgage Calculator
Estimate your monthly mortgage payment with taxes, insurance, PMI and HOA, and see what extra payments save.
Mortgage & Home EquityHELOC Payment Calculator
Estimate interest-only draw-period payments and the jump when repayment begins.
Mortgage & Home EquityTax Refund Calculator 2026
Estimate your 2026 federal refund or amount owed, with the child tax credit, EITC and the new tips, overtime and senior deductions.
Tax Deductions 2025–2026Schedule 1-A Calculator: New Tax Deductions
Stack the tips, overtime, car loan interest and senior deductions and see your total tax savings.
Tax Deductions 2025–2026ACA Subsidy Calculator 2026–2027
Estimate your 2027 or 2026 premium tax credit and see if the 400% income cliff affects you.
Health & BenefitsSocial Security COLA Calculator 2027
See your 2027 Social Security benefit after the cost-of-living increase and the Medicare Part B premium.
Health & BenefitsDebt & Credit
Pay off credit cards and loans faster, estimate car and student loan payments, compare avalanche and snowball, and check the ratios lenders look at.
Credit Card Payoff Calculator
Find your payoff date, total interest, and the payment needed to be debt-free by a target date.
Debt Payoff Calculator: Avalanche vs Snowball
Build a month-by-month plan for all your debts and compare the avalanche and snowball methods.
Debt-to-Income (DTI) Ratio Calculator
Calculate front-end and back-end DTI and see how lenders for mortgages and loans will view it.
Credit Utilization Calculator
Check your overall and per-card utilization and how much to pay down to hit your target.
Balance Transfer Calculator
Find out if a 0% balance transfer card saves money after the transfer fee.
Debt Consolidation Calculator
Compare keeping your current debts with a consolidation loan, with fees, true APR and the break-even rate.
Personal Loan Calculator
See your personal loan payment, total interest, the cash you receive after the fee and the true APR.
Auto Loan Calculator
Estimate your car payment with your trade-in, sales tax and fees, plus the new car loan interest deduction.
RAP Student Loan Calculator (Repayment Assistance Plan)
Estimate your payment on the new Repayment Assistance Plan and compare it with IBR and the standard plan.
Mortgage & Home Equity
Estimate mortgage and HELOC payments, how much home you can afford and how much equity you can borrow, and compare a cash-out refinance with a HELOC.
Mortgage Calculator
Estimate your monthly mortgage payment with taxes, insurance, PMI and HOA, and see what extra payments save.
House Affordability Calculator
See how much house you can afford on your income and debts: a comfortable 28/36 price and the most a lender may approve.
HELOC Payment Calculator
Estimate interest-only draw-period payments and the jump when repayment begins.
Home Equity Calculator: How Much Can I Borrow?
See your equity and how much a lender may let you borrow at 80%, 85% or 90% CLTV.
Cash-Out Refinance vs HELOC Calculator
Compare the full cost of refinancing your mortgage vs keeping it and adding a HELOC.
Business Financing
Estimate equipment loan and lease payments and SBA 7(a) loan costs, with the APR and fees, so you can compare business loan offers on the same terms.
Tax Deductions 2025–2026
Estimate the 2025 tax law’s new deductions for tips, overtime, car loan interest and seniors, see your real tax savings, and plan Roth conversions.
Tax Refund Calculator 2026
Estimate your 2026 federal refund or amount owed, with the child tax credit, EITC and the new tips, overtime and senior deductions.
Paycheck Calculator: Take-Home Pay After Tax
See your take-home pay per paycheck after federal tax, Social Security and Medicare, for 2026 or 2027.
Schedule 1-A Calculator: New Tax Deductions
Stack the tips, overtime, car loan interest and senior deductions and see your total tax savings.
Car Loan Interest Deduction Calculator
Estimate the new up-to-$10,000 deduction for new-car loan interest (2025–2028).
No Tax on Overtime Calculator
Work out your qualified overtime and the federal tax the new deduction saves.
No Tax on Tips Calculator
Estimate the deduction for qualified tips (up to $25,000) and your tax savings.
Senior Bonus Deduction Calculator ($6,000)
Estimate the new $6,000 deduction for people 65 and older, after the income phase-out.
Roth Conversion Calculator: Tax and IRMAA Impact
See the tax on a Roth conversion, how much fits in your bracket, and whether it triggers IRMAA.
Savings & Retirement
Project your 401(k), work out required minimum distributions, see how compound interest grows your savings, and plan a child’s Trump Account.
Compound Interest Calculator
See how savings and investments grow with compound interest, regular deposits, inflation and taxes.
401(k) Calculator
Project your 401(k) at retirement with your employer match and the 2026 limits, plus this year’s tax savings.
RMD Calculator: Required Minimum Distributions
Calculate your annual RMD, how much remains after withdrawals, the deadline and 20 years of projected RMDs.
Inherited IRA RMD Calculator
See which rule applies to an inherited IRA, this year’s required distribution and the year the account must be empty.
Trump Account Calculator
Project what a child’s Trump Account could grow to by 18 with the $1,000 deposit and yearly contributions.
Health & Benefits
Estimate your 2027 Social Security COLA, your 2026 ACA premium tax credit, Medicare IRMAA surcharges and late enrollment penalties, and SSDI back pay.
ACA Subsidy Calculator 2026–2027
Estimate your 2027 or 2026 premium tax credit and see if the 400% income cliff affects you.
Medicare Part D Calculator 2027
Estimate your 2027 drug costs under the $2,400 out-of-pocket cap, and your payment plan bills.
SSDI Back Pay Calculator
Estimate Social Security disability back pay, the waiting period and attorney fee.
Medicare Late Enrollment Penalty Calculator
Estimate the Part B and Part D late enrollment penalties added to your Medicare premiums.
Social Security COLA Calculator 2027
See your 2027 Social Security benefit after the cost-of-living increase and the Medicare Part B premium.
Social Security Claiming Age Calculator: 62 vs 67 vs 70
Compare your Social Security benefit at every claiming age from 62 to 70, with break-even ages.
Social Security Earnings Limit Calculator
See how much of your Social Security is held back if you work before full retirement age, with the 2027 limits.
Social Security Tax Calculator: How Much Is Taxable?
Find how much of your Social Security benefit is taxable, your provisional income and the federal tax on it.
Guides
Plain-English explanations of the rules behind the numbers.
Equipment Financing vs. Leasing: Which Costs Less for Your Business?
Equipment financing vs leasing: compare a loan, a $1 buyout lease and a fair market value lease on monthly cost, true APR, ownership and Section 179.
MortgageHELOC vs. Cash-Out Refinance: How to Choose When Your Mortgage Rate Is Low
HELOC vs cash-out refinance: refinancing a 3% mortgage to borrow $60,000 can cost far more than a HELOC. Learn the blended-rate test and break-even math.
BenefitsHow to Appeal IRMAA: A Step-by-Step Guide to Form SSA-44
How to appeal IRMAA if you retired or your income fell. See how the two-year lookback works, which life-changing events qualify and how to file Form SSA-44.
BusinessSection 179 vs. Bonus Depreciation: Writing Off Equipment in 2026
Section 179 vs bonus depreciation: both let a business deduct equipment in year one. See how they differ after the 2025 tax law and which one to use.
MortgageYour HELOC Draw Period Is Ending: 6 Options Before the Payment Jumps
When your HELOC draw period ends, the monthly bill can rise 20% to 60% or more as repayment starts. See your six options and how to compare them.
BenefitsBronze vs Silver ACA Plans for 2027: Which Costs Less?
Bronze vs silver for 2027 ACA coverage: silver wins under 200% of the poverty line thanks to cost-sharing reductions; above 250%, bronze often wins.
Why people trust Calcvera
Financial decisions deserve more than a black-box number. Here's how we build every tool.
Transparent formulas
Each page shows the exact formula and a worked example, so you can check the math yourself.
Official sources
Tax, Medicare and ACA figures come from the IRS, CMS, HHS and SSA, with links on every page.
Private by design
Calculations run in your browser. We never ask for your name, email or account details.
Kept up to date
Pages show when they were last reviewed, and figures are updated as new rules take effect.