CentralCalc

Free, no-nonsense calculators

Your central hub for clear, accurate financial calculators — no sign-ups, no fluff, no spreadsheets. Just plug in your numbers and get a straight answer.

Calculators

Car Loan Payment Calculator

Estimate your monthly auto payment, total interest and full payoff schedule — with down payment, trade-in, tax and fees.

Car Affordability Calculator

How much car can you afford? See the max price your income supports, scored against the 20/4/10 rule.

Mortgage Calculator

Monthly principal & interest plus taxes, insurance, HOA and PMI — with a full amortization breakdown for home loans.

Home Affordability Calculator

See how much house you can afford from your income, debts and down payment — using the 28/36 rule.

Rent vs Buy Calculator

Should you rent or buy? Compare both over the years you'll stay — with your breakeven year and the rent below which renting wins.

Compound Interest Calculator

See how savings and investments grow over time with regular contributions and compounding.

401(k) Calculator

Project your 401(k) at retirement — including the employer match, the free money most people underuse — with a contributions-vs-growth breakdown.

Retirement Calculator

When can you retire and will the money last? Grows your nest egg, then draws it down with inflation and Social Security to find your earliest retirement age.

Roth IRA Calculator

Project how much your Roth IRA could grow to by retirement — tax-free — from your contributions, time and return.

IRA Calculator

Project a Traditional IRA's tax-deferred balance at retirement — and the income tax owed at withdrawal.

Annuity Calculator

Estimate the monthly income a lump sum can provide over a set payout period — a retirement drawdown model.

CD Calculator

See a certificate of deposit's maturity value, interest earned and true APY by term and compounding.

Sales Tax Calculator

Add sales tax to a price, or back the tax out of a total — for any combined state and local rate.

Tip Calculator

Work out the tip and split the bill between any number of people — fast and mobile-friendly for the table.

Net Worth Calculator

Add up what you own and subtract what you owe to see your total net worth — your clearest financial snapshot.

Debt-to-Income Calculator

See your DTI ratio from your income and debts — the number lenders care about most — and how to lower it.

Monthly Debt Payment Calculator

Stop guessing the "monthly debts" box on loan applications — add up exactly what lenders count, then carry the total into your other calculators.

Personal Loan Calculator

Estimate your monthly payment, total interest and origination fee on a fixed-rate personal loan.

Credit Card Payoff Calculator

Find out how long it takes to clear your balance — and how much interest you'll pay — at a fixed monthly payment.

Savings Goal Calculator

Work out exactly how much to save each month to hit a target by your deadline, interest included.

50/30/20 Budget Calculator

Split your take-home pay into needs, wants and savings — the simplest budget that actually sticks.

Habit Savings Calculator

What's that daily coffee, pack or takeout really costing you? See it per year — and what it'd be worth invested.

Subscription Cost Calculator

Add up every streaming, music and app subscription — including the ones you forgot — and see the yearly total.

Mortgage Recast Calculator

See your new, lower monthly payment after making a lump-sum payment toward your mortgage principal.

Pay Raise Calculator

See your new salary after a raise — by percentage or dollar amount — per hour, week, month and year.

Cap Rate Calculator

Find a rental property's capitalization rate from its income and expenses — the key rental-return number.

Time and a Half Calculator

Calculate overtime pay at 1.5× (or 2×) your hourly rate, plus your total pay for the week.

Prorated Rent Calculator

Work out rent for a partial month when you move in or out mid-month, by day count or 30-day method.

401(k) Match Calculator

See what your employer match is worth in dollars — and whether you're leaving free money on the table.

Coming soon

Paycheck Calculator

Estimate your take-home pay after federal, state and FICA withholding from a gross salary or hourly wage.

Why CentralCalc

Fast & free

No sign-up, no paywall. Results update the moment you type.

Built for your phone

Big tap targets and a layout you can use one-handed anywhere.

Shows the math

We explain the formula and show the full schedule — no black boxes.

From the guides

All guides →

Plain-English explainers for the decisions behind the numbers.

Home Loans