Financial Calculators
That Actually Help
15 free tools to make smarter money decisions. No sign-ups, no ads, no BS — just accurate math and clean design.
Home & Mortgage
Mortgage Calculator
Calculate your monthly payment with taxes, insurance, and PMI. See full cost breakdown.
Most PopularHome Affordability
Find out how much house you can afford based on your income, debts, and down payment.
Refinance Calculator
Should you refinance? See your monthly savings, break-even point, and total savings.
Amortization Schedule
Generate a full payment schedule. See how extra payments save you years and thousands.
Loans
Auto Loan Calculator
Calculate car payments with trade-in, down payment, and sales tax factored in.
Most PopularPersonal Loan Calculator
See your monthly payment, true APR with fees, and total cost of borrowing.
Loan Comparison Tool
Compare two loan offers side by side. See which one actually costs less.
APR Calculator
Find the true annual percentage rate after fees. Know what you're really paying.
AdvancedDebt Freedom
Debt Payoff Calculator
Snowball vs. Avalanche — see which strategy gets you debt-free faster and cheaper.
Most PopularCredit Card Payoff
See how long to pay off your balance — and the scary cost of minimum payments.
Debt-to-Income Ratio
Calculate your DTI and see how lenders view your financial health.
Wealth Building
Compound Interest
Watch your money grow over time. See contributions vs. earnings with visual charts.
Most PopularInvestment Returns
Project future investment value with inflation adjustment. See real vs. nominal returns.
Savings Goal
How long until you reach your goal? Track progress and see the power of consistent saving.
Emergency Fund
How much do you really need? Itemize expenses and build your safety net.
Why PocketWise?
We built PocketWise because most financial calculator sites are stuck in 2005 — cluttered with ads, confusing to use, and impossible on mobile. We wanted something better: tools that are fast, beautiful, and actually useful.
Every calculator on this site runs entirely in your browser. No data is sent to any server. No account required. No email harvesting. Just honest math with a clean interface.
What You Can Do Here
Whether you're buying your first home, paying off debt, or building wealth for the future, we have a tool for that:
- Plan a home purchase — Calculate mortgage payments, check what you can afford, compare refinance options, and generate full amortization schedules
- Compare loan options — See the true cost of auto loans, personal loans, and credit cards. Understand APR vs. interest rate.
- Crush your debt — Compare snowball vs. avalanche strategies, see the real cost of minimum credit card payments, and track your debt-to-income ratio
- Grow your money — Project compound interest growth, model investment returns with inflation, set savings goals, and calculate your emergency fund target
Built Different
Every calculator uses real financial formulas — the same math your bank uses. Our mortgage calculator includes PITI and PMI. Our APR calculator uses Newton's method for true rate calculation. Our debt payoff tool simulates month-by-month payment schedules.
The design is intentional too. Numbers are formatted with JetBrains Mono for readability. Charts update in real-time as you move sliders. Results are color-coded so good news is green and warnings are amber. Everything works on your phone.
We're not financial advisors. These tools are for education and planning. For personalized advice, always consult a qualified financial professional.
PocketWise calculators are for educational purposes only. Results are estimates based on the information you provide and should not be considered financial advice. Consult a qualified financial advisor for personalized guidance.