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GoalCalcsFree Financial Calculators
GoalCalcs helps you understand loans, savings, and debt with clear, free calculators — no signup required. Share any result with a link, or sign in only if you want to save your work.
Buying a home
Mortgage Calculator
Full PITI payment with taxes, insurance, PMI, and extra-payment savings.
Home Affordability Calculator
How much house you can afford based on income, debts, and credit score.
Refinance Calculator
Compares keeping your current loan with replacing it: the new monthly payment, the change from today, the month your savings cover the closing costs, and the interest left on each path.
Bi-Weekly Mortgage Calculator
Compares paying a mortgage monthly with paying half the monthly payment every two weeks: the payoff dates, the time saved and the interest saved.
HELOC Calculator
Estimates the line of credit your equity could support, the interest-only payment while you draw, the payment once repayment starts, and the total interest.
Rent vs. Buy Calculator
Compares the full cost of buying a home and selling it when you move with renting a similar home for the same years, counting what the money could have earned if invested.
Loans and debt
Loan Calculator
Monthly payment, total interest, and a full amortization schedule — with extra payments.
Auto Loan Calculator
Car payment with trade-in value, sales tax, and fees included.
Credit Card Payoff Calculator
See how long minimum payments really take — and what a fixed payment saves.
Debt Payoff Planner
Line up all your debts and compare avalanche vs. snowball payoff plans.
Balloon Loan Calculator
Monthly payments and the final balloon amount for short-term loans.
APR Calculator
Works out a loan's annual percentage rate from its amount, interest rate, term and lender fees, by the actuarial method in Regulation Z, and shows the amount financed and finance charge.
Saving and investing
Savings Calculator
Watch compound interest grow your deposits, with inflation factored in.
Compound Interest Calculator
Grows a starting amount and regular deposits at a quoted interest rate and compounding, and shows the balance, deposits and interest year by year.
Retirement Calculator
Projects retirement savings to the age you plan to retire, in future and today's dollars, and the monthly income they could pay at a withdrawal rate.
How our calculators work
Each calculator explains its formulas, what it assumes and leaves out, and the government and industry sources behind its rates and rules, so you can see why a result may differ from a lender's quote.
See how we calculateBuilt by Attereon
GoalCalcs is built and run by Attereon. It's free, has no ads, and every tool works without an account. The math is checked against independent reference calculations before each update goes live.
About GoalCalcsPopular questions
- How much does one extra mortgage payment a year save?Mortgage Calculator
- What percentage of my income should go to a mortgage?Home Affordability Calculator
- Why do minimum payments take so long to pay off a credit card?Credit Card Payoff Calculator
- Avalanche vs snowball — which pays less interest?Debt Payoff Planner
- What loan term should I choose for a car?Auto Loan Calculator
- How much difference does starting early really make?Savings Calculator
Rates and limits last checked: Freddie Mac's 30-year fixed average of 7.28% for the week of , and the 2026 national loan limits ($832,750 conforming, $541,287 FHA). Sources