Free online calculators for money, home and everyday math

41 calculators for mortgages, loans, debt, savings, pay and home projects. Each one shows the formula and assumptions behind the answer, with no sign-up.

Popular calculators

Mortgage Calculator
Full monthly payment with taxes, insurance, PMI and HOA, the dates PMI can be dropped or ends, and lifetime cost.
Home Affordability Calculator
Maximum home price from income, debts and down payment, the debt-to-income limit that binds, and the price at other rates.
Loan Payment Calculator
Monthly payment, total interest, term comparison, extra-payment savings and a full amortization schedule.
Auto Loan Calculator
Car payment with tax, fees and trade-in, or the car price a monthly budget affords; amount financed, term comparison and amortization.
Credit Card Payoff Calculator
Months to pay off, total interest, extra-payment savings, the payment needed for a debt-free date, and a payoff schedule.
Compound Interest Calculator
Future value with monthly contributions and any compounding, year-by-year growth, simple vs. compound interest, inflation and doubling time.
Hourly to Salary Calculator
Hourly wage to salary and back, with pay per day, week, paycheck and month, overtime, and paid or unpaid time off.
Percentage Calculator
Percent of a number, what percent X is of Y, percent increase or decrease, and percent off a price.

All calculators by category

Loans & Mortgages

Monthly payments, total interest and payoff schedules for mortgages, car loans, personal loans and refinancing.

Debt & Credit

How long a balance takes to pay off, what it costs in interest and how your debt compares with your income.

Savings & Investing

How savings, CDs and dividend investments grow, and how much to set aside to reach a goal.

Home & Construction

Materials and quantities for projects around the house, from concrete and gravel to flooring, roofing and decks.

Work & Income

Hours worked and pay, from a weekly time card or an hourly wage converted to a salary.

Everyday Money

Quick everyday math: sales tax, tips, percentages and what a drive costs in fuel.

Business

Pricing, profit margin and markup for a small business.

Profit Margin Calculator

What you get with every Zuvogo calculator

The whole picture. Totals, breakdowns and schedules where they matter, not just a single number.
Assumptions in plain sight. What is and is not included is written next to the results.
Tested math. Every formula is checked by automated tests against independent results.
Private by design. Calculations run in your browser, and your numbers are not sent anywhere.

How we build and test calculators