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$SmartMoney Tools

Free financial calculators that actually keep up with you

Live results as you type, real charts, side-by-side scenarios, and a link you can share that remembers every number. No signup, and nothing you enter ever leaves your browser.

Loan Calculator

Payments, total interest, and a full amortization schedule.

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Compound Interest Calculator

See what steady contributions grow into over time.

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Savings Goal Planner

Find your finish date — and what a deadline demands.

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Debt Payoff Calculator

Snowball vs. avalanche, side by side in real dollars.

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Rent vs. Buy Calculator

A fair net-worth comparison — including the money a renter invests.

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Retirement Calculator

Project your nest egg — and the income it could provide.

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Auto Loan Calculator

Monthly car payment, total interest, and the true financed amount.

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Refinance Calculator

Monthly savings and the break-even month on a refinance.

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Net Worth Calculator

Add up assets and liabilities to see where you truly stand.

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Debt-to-Income Calculator

Your DTI ratio — the number lenders check first.

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Instant, no button

Every number recalculates on keystroke and slider drag. No "Calculate" button, no page reloads.

Shareable permalinks

Your inputs live in the URL. Copy the link and the exact calculation travels with it.

Genuinely private

All math runs locally in your browser. Your balances are never sent to a server.