FinCalc
Clear, honest financial calculators
25 free calculators for the money decisions that actually matter — renting vs. buying, paying off debt, retiring early, quarterly taxes, and more. Pre-filled, private, and genuinely useful.
Popular calculators
View all →Coast FIRE Calculator
Find your FIRE number and whether your current savings will coast to it by your target retirement age — no more contributions required.
Rent vs Buy Calculator
Compare the true total cost of buying a home versus renting over the years you plan to stay — including appreciation, taxes, maintenance, and the break-even year.
Bi-Weekly vs Monthly Mortgage Calculator
See how much interest you'd save — and how many years sooner you'd be mortgage-free — by paying half your mortgage every two weeks instead of monthly.
Freelancer & 1099 Quarterly Tax Calculator
Estimate the quarterly federal taxes a freelancer or 1099 contractor should set aside — self-employment tax plus federal income tax on your net profit.
Real answers instantly
Every calculator loads pre-filled with sensible example numbers, so you see a meaningful result the moment the page opens.
Private by design
Everything runs in your browser. Saved scenarios stay on your device — no account, no sign-up, nothing sent to a server.
Shareable & comparable
Copy a link to any result, or compare scenarios side by side to see how the numbers change.
Make your next money decision with confidence
Free, private, and built to give you a real answer — not a sales pitch.
Explore all 25 calculators