Pick a calculator.
🏠 Mortgage Calculator
Monthly mortgage payment with amortization breakdown. Principal, interest, taxes, insurance.
→📈 Compound Interest Calculator
Future value with compound interest. Configurable contribution & compounding frequency.
→💳 Loan Amortization
Monthly payment, total interest, and full payment schedule for any loan.
→💼 Salary Converter
Convert between hourly, weekly, monthly, and annual pay.
→🏖️ Retirement Calculator
401k / IRA / general retirement projection with employer match.
→🏘️ Rent vs Buy Calculator
Compare 5/10/30-year total cost of renting versus buying a home.
→🔄 Mortgage Refinance Calculator
Should you refinance? Break-even months from rate drop + closing costs.
→🚗 Auto Loan Calculator
Car payment with down payment, trade-in, sales tax, and term.
→💳 Credit Card Payoff Calculator
How long to pay off a credit card balance? Compare minimum vs aggressive payments.
→🧾 US Federal Income Tax Calculator
US federal income tax estimate for 2024 brackets. Single, married, HoH filing statuses.
→📈 Inflation Calculator
What is $X worth in Y years given Z% inflation? Past and future value.
→🎯 Savings Goal Calculator
How long to reach a target? Or how much to save monthly?
→💎 Net Worth Calculator
Add up all assets minus liabilities to get your net worth. Track over time.
→📊 50/30/20 Budget Calculator
Split your income into needs (50%), wants (30%), and savings (20%).
→❄️ Debt Snowball vs Avalanche
Compare debt payoff strategies: smallest balance first vs highest interest first.
→🛡️ Emergency Fund Calculator
How much should you have saved? Months of essential expenses, by situation.
→📈 ROI Calculator
Return on Investment. Percent gain and annualized return on any holding.
→🏷️ Markup Calculator
Calculate selling price from cost + markup %, or markup from cost + price.
→% Profit Margin Calculator
Gross margin, net margin, and break-even from revenue and costs.
→➕ Simple Interest Calculator
Interest computed only on the principal (no compounding). For loans and bonds.
→🔁 APR ↔ APY Converter
Convert between APR (nominal) and APY (effective) given compounding frequency.
→⚖️ Debt-to-Income (DTI) Calculator
Calculate your DTI ratio. Lenders use it to approve mortgages and refinances.
→🏦 Loan-to-Value (LTV) Calculator
LTV ratio = loan amount / property value. Determines PMI and refi terms.
→🏠 Down Payment Calculator
How much down payment do you need? Scenarios from 3% to 20%.
→🏘️ Home Affordability Calculator
How much house can you afford? Based on income, debts, down payment, and rate.
→📋 Closing Costs Calculator
Estimate closing costs (2-5% of home price) including lender fees, taxes, title.
→📅 Biweekly Mortgage Calculator
Compare biweekly vs monthly payments. Save years and tens of thousands.
→🏦 CD Calculator
Certificate of Deposit yield calculator. Maturity value + APY.
→📊 Stock Profit Calculator
Compute profit/loss on a stock trade including commissions and dividends.
→💵 Dividend Yield Calculator
Annual dividend / share price = yield %. Plus monthly income projection.
→📅 Dollar Cost Averaging Calculator
Simulate DCA: regular investments at varying prices. Average cost per share.
→🎁 401(k) Match Calculator
Maximize your employer 401(k) match. See free money left on the table.
→Built for clarity,
not lead generation.
Client-side only
Every calculator runs in your browser. Your loan amounts, income, and savings never touch a server. We literally can't see them.
No lead capture
No email gates. No "get matched with a lender" forms. No sponsored top results. Just calculators.
Full amortization
Mortgage and loan calculators show the complete amortization schedule — not just the monthly payment. See exactly how principal and interest split each month.
Plain English
Every calculator explains what PMI is, what an APR means, why the rate matters more than the down payment. No jargon walls.
Why RichCalcs?
Most financial calculator sites are lead-generation funnels for lenders. You enter a loan amount, you get a number — and a barrage of follow-up emails from mortgage brokers, refi companies, and credit card issuers. We don't do that. No signup, no data collection, no "get pre-approved" pitches.
We make money from unobtrusive display ads on category pages — never inside the calculator itself. If you spot one that interrupts a workflow, email hello@richcalcs.com.
Not financial advice.
These calculators are educational tools. They show standard formulas applied to the numbers you enter — they don't know your full financial situation, tax bracket, or risk tolerance. For decisions involving large sums (mortgages, retirement strategy), consult a licensed advisor.