Free financial calculators

How to use EZCalcBox

EZCalcBox is a set of free financial calculators for everyday money questions: mortgage payments, loan payoffs, saving growth, and retirement saving. Every calculator is free, needs no account, and runs entirely in your browser, so the numbers you enter stay on your own device.

Start from the question, not the calculator name. If the question is a monthly payment, open the calculator for that kind of loan. If the question is a finish date, open a payoff calculator. If the question is a future value, open an investment or retirement calculator. You can also type a word in the search box above, or browse the categories below. Each calculator asks for a few numbers and shows the answer plus the breakdown behind it.

Mortgage and home buying covers the biggest purchase most people make. The Mortgage Calculator shows the monthly payment with taxes, insurance, PMI, and HOA where they apply, plus a full amortization schedule. FHA and VA calculators cover those programs, the Down Payment calculator checks the loan amount and PMI, and the Extra Payment calculator shows what extra payments save. The Mortgage Rates page tracks current US average rates, updated weekly, so the rate you type in reflects the market.

Loans and debt covers everything else you borrow. The Loan Calculator handles any fixed rate loan, the Auto Loan calculator covers a car purchase, and the Business Loan calculator adds an origination fee to the picture. The Credit Card Payoff calculator answers a different question from the rest: given the payment you can actually make, how many months until the balance is gone, and how much interest that takes. Compare the monthly payment and the total interest side by side, because the lowest payment is not always the cheapest loan.

Investing and retirement is where time does the heavy lifting. The Compound Interest calculator shows savings growth, the Investment calculator adds a lump sum plus monthly contributions, the 401K calculator adds an employer match, and the Roth IRA calculator shows tax-free growth of yearly contributions. The Retirement Calculator works the other way around, from goal to monthly saving. For scale, a $450,000 mortgage at 6.5 percent over 30 years costs $2,844.31 a month in principal and interest, with $573,950.20 of total interest.

Taxes and income covers money coming in and the share that goes to tax: the Paycheck calculator turns a salary into take-home pay, the Income Tax calculator estimates federal tax, the Capital Gains Tax calculator handles investment gains, and the Budget calculator checks whether a monthly plan balances. Reference Tables at the bottom look up loan payoff per $1,000 borrowed and rate conversions.

Nothing here requires a login, and nothing you enter leaves your browser. Treat every result as an estimate for education, not financial advice: real loans add fees, investments vary, and tax bills depend on details no calculator can see. Use the numbers to compare options, then confirm final figures with the lender, plan provider, or tax professional.