Free, private, and powerful. Search every calculator for mortgages, loans, taxes, retirement, and investing. No sign-up, nothing sent to a server.
The twelve tools people reach for most, ranked by real usage over the last 90 days.
Every formula is checked against a named primary source before it ships — the agency, publication or table the rule actually comes from. These are 20 of the 40+ authorities behind the calculators.
Names identify the sources our formulas are checked against. Marks shown are our own typographic labels, not official logos or seals, and do not imply endorsement or affiliation.
Every tool is grouped into a dedicated hub with its own guides, worked examples, and formula explanations. Pick the area you're working on and go straight to the calculators built for it.
16 Calculators
Budgeting, net worth, savings goals, FIRE planning, and cost-of-living comparisons.
23 Calculators
Loan payments, amortization schedules, credit card payoff, HELOCs, and debt-to-income.
12 Calculators
PITI payments, affordability, refinancing, FHA and VA loans, rent vs. buy, and closing costs.
13 Calculators
Compound interest, dollar-cost averaging, CD ladders, and capital gains tax.
11 Calculators
401(k) and IRA growth, safe withdrawal rates, RMDs, Roth conversions, and 72(t) SEPP.
11 Calculators
Paycheck and take-home pay, federal and state brackets, self-employment and quarterly tax.
8 Calculators
Break-even analysis, margins and markup, S-Corp salary planning, and business loan costs.
9 Calculators
Cap rate, cash-on-cash return, DSCR, rental cash flow, and the 1% rule.
A financial calculator is only as trustworthy as the formula behind it and the source that formula came from. Every tool here goes through the same four steps before it goes live — and every page shows you the formula and the source, so you never have to take our word for it.
Every calculator starts from something people are actually searching for and can't get a straight answer to — not from a list of tool names. If a search engine already answers it in one line, we don't build it.
The maths comes from a primary authority: IRS publications for tax, Regulation Z and CFPB guidance for APR and disclosures, Federal Reserve and BLS series for rates and inflation, SSA rules for retirement.
Each formula is verified independently against a worked example before it becomes code, then checked across its full input range so no combination silently returns a wrong or meaningless result.
Every calculator page shows the formula it uses, the source it came from, and the date that source was last checked. If a rule changes mid-year, the page says so rather than quietly going stale.
Most financial calculators exist to capture your email or route you to a lender. Ours exist to show you the arithmetic. That difference shapes every decision we make — what we collect, what we charge, and what we're willing to claim.
Every calculation runs client-side in your browser. Your salary, mortgage balance, portfolio and tax figures are processed on your own machine and never transmitted to or stored on our servers. There is no account database to breach — closing the tab clears everything. This is a deliberate trade-off: we chose not to hold your financial information at all, rather than hold it and promise to keep it safe.
We don't cite blog posts or other calculators. Tax figures come from IRS publications, loan and APR maths from CFPB guidance and Regulation Z, rate and inflation data from the Federal Reserve and BLS, retirement rules from the SSA. Each page names its source and shows its verification date so you can check the work — or bring it to your accountant and have them check it.
All 147 calculators are complete and free. No account, no email, no trial, no usage cap, and no premium tier hiding the useful half of the result. Nothing asks you to sign up before showing your answer, and no calculator routes you to a lender in the middle of a decision. The site runs on unobtrusive ads — not on selling your data or gating your tools.
Tax brackets and contribution limits from IRS publications. Mortgage and loan disclosure rules from the CFPB and Regulation Z. Rate and inflation series from the Federal Reserve and BLS. Retirement rules from the SSA. Every figure is dated, and no calculator uses a number we can't point at a source for.
Pair our calculators with long-form, evidence-based guides on the money topics that matter most.
A data-driven 2026 mortgage guide: rates, loan types, credit and DTI rules, closing costs, rate locks, the 30-day timeline, and when to refinance or recast.
A mortgage recast lowers your monthly payment after a lump-sum principal payment — same rate, same term, same payoff date.
To re-amortize means recalculating your loan payment over the remaining term at the same rate — the technical name for a recast.
Recast if your rate beats the market and you have a lump sum — it costs $250, not $10,500. Refinance if rates dropped a point or more.
You can recast a conventional loan. You cannot recast an FHA, VA or USDA loan.
Both do, on different items. Buyers pay 2–5% for loan and title costs; sellers pay 6–10%, mostly commission.
Everything you need to know about our tools.
Yes. All 147 calculators are free to use with no account, no email address, no trial period, and no usage limit. There is no premium tier holding back features, and no calculator asks you to sign up before showing your result. The site is supported by unobtrusive ads, not by selling data or gating tools.
Yes. Every calculator runs client-side in your browser, which means your inputs — salary, mortgage balance, retirement savings, tax figures — are processed on your own device and are never sent to or stored on our servers. There is no account database that could be breached, and closing the tab clears everything.
Formulas follow standard financial conventions and are checked against primary sources: IRS publications and rate tables for tax calculators, CFPB guidance for mortgage and loan disclosures, Federal Reserve and BLS data for rate and inflation assumptions, and SSA rules for retirement tools. Each calculator page shows the formula it uses so you can verify the math yourself. Results are planning estimates, not personalised advice.
Yes. Federal and state tax brackets, standard deduction amounts, contribution limits, and RMD tables are updated when the IRS and state revenue agencies publish each year's figures, and every tax calculator carries an audit date showing when its numbers were last verified. Where a rate is scheduled to change mid-year, the calculator says so.
Start with the Advanced Mortgage Calculator if you already know the home price — it gives full PITI, PMI, and an amortization schedule. Use the Home Affordability Analyzer if you're working backwards from income to a maximum price, the Refinance Analyzer to find your break-even month on a refinance, and the Rent vs Buy Calculator if you haven't decided whether to buy at all. All four are in the Mortgage & Housing hub.
The FIRE Calculator projects when your portfolio reaches full financial independence at your chosen withdrawal rate. Coast FIRE tells you the smaller amount you'd need invested today to reach that number by traditional retirement age without contributing another dollar. Barista FIRE factors in part-time income, showing how a modest ongoing wage lowers the portfolio you need and pulls your semi-retirement date earlier.
Yes. Each calculator has a Print / Export to PDF option that produces a clean report of your inputs, results, and any schedule or chart — useful for a mortgage broker, accountant, or your own records. Because nothing is stored server-side, saving or printing is how you keep a copy.
Yes. Most calculators have an embed option that gives you an iframe snippet you can paste into your own site, blog, or client portal. The embedded version keeps the same client-side privacy model — your visitors' inputs stay in their browser. Attribution back to We Are Calculator is appreciated and required by the terms of use.
Yes. Inputs, charts, and amortization tables are built to reflow on small screens, so full scenarios can be run on a phone without pinching or horizontal scrolling. Because calculations are local, they also keep working on a slow or intermittent connection once the page has loaded.
No account exists to create. If you want to return to a scenario, bookmark the calculator and note your inputs, or export the result to PDF. This is a deliberate trade-off: we chose not to store your financial information at all rather than store it and promise to keep it safe.
No. These are calculation tools that show you the arithmetic behind a decision, along with the assumptions and formulas used. They don't know your full financial picture, risk tolerance, or local rules, and they can't account for everything a licensed advisor, CPA, or tax attorney would. Use the output as a starting point for a conversation, not as a substitute for one.
Formulas are reviewed on a rolling schedule and whenever an underlying rule changes — a new IRS revenue procedure, a revised contribution limit, an updated conforming loan limit. Each page shows its last verification date, and new calculators are added regularly based on what people search for and request through the contact form.
