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$SmartMoney Tools

All financial calculators

10 free calculators — every one with live results as you type, a shareable link, CSV export, and a step-by-step breakdown of the math. No signup, nothing leaves your browser.

Loan Calculator

Payments, total interest, and a full amortization schedule.

Compound Interest Calculator

See what steady contributions grow into over time.

Savings Goal Planner

Find your finish date — and what a deadline demands.

Debt Payoff Calculator

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

Rent vs. Buy Calculator

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

Retirement Calculator

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

Auto Loan Calculator

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

Refinance Calculator

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

Net Worth Calculator

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

Debt-to-Income Calculator

Your DTI ratio — the number lenders check first.