Free Money & Finance Calculators

Finance calculators built the Tallyloom way: free, running entirely in your browser, and showing their formulas and assumptions so you can check the math. Twelve calculators are live below, from mortgage and amortization to retirement projection and debt payoff.

12 toolsFormula shown on every toolInformational only — not financial advice

Mortgage CalculatorMonthly payment with taxes, insurance, and HOA — plus total interest and extra-payment savings.Amortization ScheduleYear-by-year principal, interest, and balance for any fixed-rate loan, with extra payments.Loan Payoff CalculatorYour payoff date and total interest — and what an extra monthly payment saves.Auto Loan CalculatorCar payment from price, trade-in, tax, rate, and term — with the true all-in cost.Compound Interest CalculatorProject growth from a starting amount plus monthly contributions, with a year-by-year breakdown.Debt Snowball CalculatorBuild a debt payoff plan and compare snowball vs avalanche strategies, with your debt-free date.Tip CalculatorTip, total, and per-person split for any bill, with quick presets.Sales Tax CalculatorAdd sales tax to a price, or back the tax out of a receipt total.Discount CalculatorSale price and savings from any percent off, with stacked discounts done right.Hourly to Salary ConverterHourly rate to annual salary and back, with your real hours and weeks — gross pay, stated plainly.Budget PlannerMonthly income vs categorized expenses, what's left over, and a 50/30/20 comparison — saved on your device.Retirement Savings CalculatorProject savings to retirement age with the 4% guideline and inflation-adjusted value — assumptions stated.

About these tools

The Money section brings Tallyloom's show-your-work approach to personal finance: every calculator states the formula it uses and the assumptions behind it, links its sources, and runs entirely in your browser — your financial figures are never uploaded.

Twelve calculators are live: mortgage, amortization schedule, loan payoff, auto loan, compound interest, debt snowball, retirement projection, budget planner, tip, sales tax, discount, and hourly-to-salary. Each shows its formula and assumptions inline, and payment math is verified against standard amortization values.

Everything here is informational only. The calculators can't know your full financial picture, and they are not a substitute for advice from a qualified financial professional.

Guides

How Extra Payments Pay Off a Loan EarlySee how extra monthly payments and lump sums change a loan's payoff date, why timing matters, and what to verify with your lender first.How to Calculate a Tip and Split the BillQuick mental math for common tip percentages, pre-tax versus after-tax examples, bill splitting, and when a service charge is not a voluntary tip.Debt Snowball vs. Avalanche: The Math and the PsychologyThe avalanche method always wins on paper — so why do so many people pay off more debt with the snowball? A worked example with real numbers, and how to choose.How Compound Interest Actually WorksThe formula behind compound growth, what compounding frequency really changes, the Rule of 72 — and a worked 10-year example you can verify yourself.All guides →

Frequently asked questions

Are these finance calculators free?

Yes — free, no account, no limits, like every Tallyloom tool.

Is my financial data private?

Yes. Balances, debts, and rates you enter are processed entirely on your device and never sent to a server.

Is this financial advice?

No. The calculators apply standard published formulas for general information. For decisions about your money, consult a qualified financial professional who knows your situation.

Will more money calculators be added?

Yes — the roadmap is driven by what visitors actually use. A paycheck/take-home calculator is under consideration but held to a high bar: withholding tables change yearly across federal and state levels, and we won't ship a calculator whose numbers we can't keep verifiably current.

Looking for something else? Try Converters · Education & Study or browse all tools.