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Free financial calculators and finance tools.
Every tool is free to use with no signup. Plan a budget, project an investment, test a retirement or pay down debt, each one built to be honest about the real-world frictions most calculators skip.
38 free tools
Planning and Budgeting
Get the foundations right: what comes in, what to keep aside, and what your time is worth.
Financial Health Score
NewScore your finances 0 to 100 in five steps and get a prioritized action plan.
→Financial Literacy Test
NewEighteen questions on compounding, fees, risk, debt, inflation and net worth. Score out of 100 with a topic breakdown.
→Budget Calculator
Apply the 50/30/20 rule to your income and see where your spending really goes.
→Emergency Fund Calculator
Size the cushion you need from your expenses and personal risk factors.
→Savings Goal Calculator
Find how much to set aside, or when you will arrive, with inflation built in.
→Salary Breakdown Calculator
Break any salary down to the month, week, day, hour and second, two ways.
→Net Worth Spreadsheet
NewFree Excel & Google Sheets template: accounts by type, monthly snapshots, multi-currency and a net worth chart.
→Investment Tools
From the pure power of compounding to the full range of outcomes a real market produces.
Compound Interest Calculator
See how regular contributions grow over time at a steady return.
→Investment Return Calculator
Real returns after fees, tax and inflation, with contributions and withdrawals.
→Wealth Multiplier
NewThe simplest view of compounding: one lump sum, and what inflation does to it.
→Monte Carlo Simulator
NewRun 1,000 markets for the odds, not one tidy projection. Growth, retirement, goals.
→Asset Allocation Calculator
Find the stock, bond and cash mix to match your risk, and how to rebalance to it.
→Growth vs Dividend Calculator
Compare growth and dividend strategies on an equal, after-tax footing.
→Financial Independence (FIRE)
Find your FI number and the years to financial freedom, in real terms.
→Coast FIRE Calculator
NewFind when you can stop contributing and still retire on time
→Crossover Point
NewSee when your portfolio's growth out-earns what you add.
→ETF Overlap Tool
NewCompare popular index ETFs and see how much they share
→Debt and Mortgages
Pay down what you owe faster, and understand the true cost of a home loan.
Debt Payoff Calculator
Compare the snowball and avalanche methods, against a minimums-only baseline.
→Mortgage Calculator
Monthly payment with full PITI plus PMI, and a complete amortization schedule.
→Rent vs Buy
NewThe break-even year for renting and investing vs owning, with presets for 15 countries.
→Country-specific
Tools built around the tax rules of a particular country.
ISA vs GIA Calculator
See how much tax the ISA wrapper saves versus a taxable account
→Retirement Simulator UK
NewYour pension gap: State Pension, workplace pension, SIPP and ISA against your target, in today's pounds after tax.
→Retirement Simulator USA
NewSocial Security, 401(k), IRA and brokerage account against your target, in today's dollars after federal tax, with the claiming-age decision.
→Retirement Simulator Spain
NewYour pension gap: Seguridad Social pension from your years contributed, planes de pensiones and portfolio, in today's euros after IRPF.
→Retirement Simulator France
NewYour pension gap: régime général and Agirc-Arrco from your quarters and points, PER, assurance-vie and PEA, in today's euros after tax.
→Retirement Simulator Portugal
NewYour pension gap: Segurança Social from your career years, PPR, pension fund and savings, in today's euros after IRS.
→Retirement Simulator Italy
NewYour pension gap: INPS pension from your montante and claiming age, fondo pensione, TFR, PIP and savings, in today's euros after IRPEF.
→Retirement Simulator Canada
NewCPP, OAS and GIS, RRSP, TFSA and non-registered savings against your target, in today's dollars after tax, with the claiming-age and draw-order decisions.
→PGBL vs VGBL Calculator
Compare Brazilian private pensions with the real rules: the 12% cap, regressive table and refund.
→13th Salary Calculator
NewNet décimo terceiro with the 2026 INSS and IRRF tables, both installments and vacation pay.
→Vorabpauschale Calculator
Germany's ETF advance tax: Basisertrag, partial exemption and the January debit, step by step.
→Abgeltungsteuer Calculator
NewGermany's 25 % flat tax on gains and dividends: allowance, partial exemption, Soli and church tax, step by step.
→Brutto-Netto Calculator
German net salary 2026 with marginal rate: see what a raise or deductible saving is really worth.
→Retirement Simulator Germany
NewYour Rentenlücke: statutory pension from Entgeltpunkte, bAV, Riester, Rürup and depot, in today's euros after health insurance and tax.
→Pillar 3a Calculator
Switzerland's Pillar 3a: tax saved per canton, contribution caps and your balance at retirement.
→Retirement Simulator
NewYour monthly retirement income from AHV, pension fund and savings, in today's money, canton by canton.
→PER Calculator
France's PER retirement plan: deduction ceiling, exact tax saved at your marginal rate, and the deduct-now vs exit-tax trade-off.
→Roth vs Traditional 401(k)
NewWhich 401(k) leaves more after tax, and the tax rate where the answer flips.
→Account features
Add your accounts by file import or by hand to turn these calculators into a living picture of your money.
Portfolio Tracking
Track stocks, crypto, pensions and real estate in one place, with prices updated daily.
Free with accountGoal Planning
Set financial goals and track your progress toward each milestone.
Free with accountDividend Analysis
Track dividend payments, analyse yield and project your future passive income.
PremiumETF Analysis
Find overlaps between ETFs, map geographic exposure and sector concentration.
PremiumAchievements
Earn badges for financial milestones and stay motivated on your journey.
Free with accountMyFinanceToolsFree account
Track your complete financial picture.
The calculators are the starting point. Create a free account to add your accounts (broker file import or by hand, no bank login), track your portfolio, set goals and get personalised insights, all in one place.
Every calculator, prefilled with your real data
Portfolio, goals and net worth in one view
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