Free financial calculators · No sign-up
See what a mortgage, car, or credit card will really cost, what you'll keep from each paycheck, and what's left to spend each month. Plus tools to split shared bills and make invoices.
Principal & interest
$1,770/month
Taxes, insurance, HOA, and PMI not included.
Choose a tool to get started. Every calculator is free and gives instant results in your browser.
New · MoneyDecisions Challenge
Ten real-life dilemmas, from the car dealership to your first home. Pick what you'd actually do, then see the trade-offs and the real numbers. It takes about five minutes.
Take the challengeEvery calculator updates as you type. No sign-up, no email required.
Calculator inputs stay in your browser and are never sent to our servers.
See amortization schedules, total interest, and the formulas behind each result.
Estimate your full monthly mortgage payment with property tax, insurance, HOA, and PMI, compare 15- and 30-year loans, and see how extra payments shorten your loan. Not sure whether to buy at all? The rent vs. buy calculator shows which leaves you better off and when buying breaks even.
Work out an auto loan payment including sales tax, fees, and trade-in, see the true cost of a personal loan after origination fees, and find out how long it will take to pay off credit cards using the avalanche or snowball method.
Build a monthly budget around the 50/30/20 rule to see where your money goes, size an emergency fund from your essential bills, find how much to save each month for any goal, and see how regular saving grows over the years with compound interest.
See your take-home pay per paycheck after federal and state income tax, Social Security, Medicare, and 401(k) deductions. Then estimate your 2026 federal and state tax refund or balance due, and how much to change your W-4 withholding.
Track shared costs for roommates, trips, and families. Split each bill equally, by percentage, or by amount, and MonthlyWise works out the fewest payments needed so everyone is settled up.
Create a professional invoice with your logo, line items, tax, and discounts, and download it as a PDF. It's built in your browser, so nothing you type is stored.
Learn the ideas behind the numbers.
Yes. Every calculator, the expense splitter, and the invoice generator are free to use, with no sign-up or account required.
Calculator numbers stay in your browser and are never sent to our servers. Split Expenses groups are stored only so the people you share the link with can see them, and links expire after 15 days.
The calculators use the same standard formulas lenders use, such as monthly amortization for loans. Results are estimates, because real offers depend on your lender, credit, fees, and local taxes, so confirm the details before you decide.
Yes. Choose your currency from the menu, including pounds, euros, rupees, and Canadian or Australian dollars, and amounts are formatted for your country. A few mortgage features, such as ZIP code tax estimates, are specific to the US.