Finance calculators on CalcTool
This hub lists free calculators for saving, borrowing, and comparing rates—no signup. Use the cards above for quick access, or read below to choose between growth tools (compound interest, APY, goals) and loan tools (payment, schedule, mortgage, payoff).
Savings and interest
- Compound interest — balance over time with contributions, compounding frequency, inflation, and schedules.
- APY calculator — convert APR ↔ APY, compare yields, or derive APY from interest earned.
- Simple interest — linear interest on a principal for a fixed term.
- Savings goal — how much to save per period to reach a target by a date.
- Save a million — timeline and contributions toward a large balance goal.
- Emergency fund — target months of expenses and progress toward a cash cushion.
Loans and mortgages
- Loan calculator — payment, total interest, and payoff from amount, APR, and term.
- Amortization schedule — month-by-month or year-by-year principal, interest, and balance.
- Mortgage calculator — home price, down payment, PITI, and optional extras.
- Auto loan — vehicle price, taxes, trade-in, and monthly payment.
- Personal loan — fixed payment loans with optional extra payments.
- Extra payment — interest saved and earlier payoff from additional principal.
- Loan payoff — remaining balance and payoff date with extra payments.
- Mortgage refinance — break-even and savings from a new rate and closing costs.
- House affordability — price range from income, debts, and down payment.
Which calculator fits your question?
Growing money → start with compound interest or APY; use savings goal or emergency fund when you have a target amount or timeline. Borrowing → loan or mortgage calculator for the payment; amortization for the full schedule; extra payment or payoff when you plan lump sums or early retirement of debt. Buying a home → affordability for budget, mortgage for payment and PITI, refinance when comparing an existing loan to a new offer.
Each tool page includes steps, examples, and FAQs. Copy link on any calculator lets you bookmark a scenario or send it to someone else with the same inputs and results.
Frequently asked questions
What is the difference between compound interest and APY?
Compound interest projects an account balance over time with deposits and a stated rate. APY expresses the effective annual yield after compounding—use the APY calculator to compare products with different compounding frequencies.
Which tool shows my full loan payment schedule?
Use the amortization calculator for a table by month or year. The loan or mortgage calculator focuses on payment and summary totals with links to related tools.
Can I model extra payments on a mortgage or car loan?
Yes. Use the extra payment calculator or loan payoff calculator, or open extra-payment fields on the loan and mortgage calculators where available.
Are these calculators financial advice?
No. Results are estimates for planning. Lenders may round differently, use different day-count rules, or include fees not modeled here.