Free Financial Calculators
Simple, private tools to help you budget, save, and plan. All calculations run locally in your browser — your data never leaves your device.
Budgeting & Income 5 tools
Budget Calculator (50/30/20)
Split your income into needs, wants, and savings using the proven 50/30/20 rule. Includes savings goal and debt payoff calculators.
Use Free Tool → NewTake-Home Salary Calculator
See your net paycheck after federal, state, FICA, and 401(k) deductions. Know exactly what hits your bank account.
Use Free Tool → NewHourly to Salary Calculator
Convert between hourly, daily, weekly, monthly, and annual rates. See all pay periods in one clear table.
Use Free Tool → NewTip Calculator
Calculate tip amount, total bill, and split cost per person. Quick presets for 15/18/20/25%.
Use Free Tool → NewWedding Budget Calculator
Break your total wedding budget across venue, catering, photography, flowers, attire, and more.
Use Free Tool →Savings & Goals 9 tools
Savings Goal Calculator
Set a savings target and timeline. See how much to save monthly, how interest helps, and when you'll reach your goal.
Use Free Tool → NewCompound Interest Calculator
Watch your money grow over time. Compare compounding frequencies and see year-by-year growth.
Use Free Tool → NewSimple Interest Calculator
Calculate interest earned or paid with the simple interest formula. Shows monthly and daily interest.
Use Free Tool → NewRetirement Calculator
Project your retirement savings, estimate your annual income from the 4% rule, and see if you're on track.
Use Free Tool → NewSavings Rate Calculator
Calculate your savings rate and see your years to financial independence at 5%, 7%, and 10% returns.
Use Free Tool → NewDown Payment Calculator
Plan your home down payment. Compare 3.5% / 5% / 10% / 20% options and see months to your goal.
Use Free Tool → NewInflation Calculator
See what today's money will be worth in the future — or what yesterday's money equals today.
Use Free Tool → NewROI Calculator
Calculate your return on investment — total ROI, annualized ROI, and net profit.
Use Free Tool → NewCAGR Calculator
Measure the compound annual growth rate of any investment. Simple, accurate, fast.
Use Free Tool →Debt & Loans 9 tools
Debt Snowball Calculator
Enter all your debts and see the fastest payoff order. Compare snowball vs. avalanche strategies.
Use Free Tool → NewCredit Card Payoff Calculator
Compare avalanche vs snowball across multiple cards. Find your fastest path to debt freedom.
Use Free Tool → NewMinimum Payment Calculator
See the real cost of making only minimum credit card payments — and how extra payments save you.
Use Free Tool → NewDebt-to-Income Ratio Calculator
Calculate your DTI ratio and see what it means for mortgage approval and financial health.
Use Free Tool → NewBalance Transfer Calculator
Compare staying on your card vs. transferring to 0% APR. See if the fee is worth it.
Use Free Tool → NewLoan Payment Calculator
Calculate monthly payments (EMI), total interest, and see your amortization schedule.
Use Free Tool → NewPersonal Loan Calculator
Find your monthly payment, total interest, and APR including origination fees.
Use Free Tool → NewAuto Loan Calculator
Estimate your car payment with trade-in, down payment, and loan term considerations.
Use Free Tool → NewAmortization Calculator
Full payment schedule for any loan. Add extra payments and see time + interest saved.
Use Free Tool →Housing & Car 4 tools
Rent Affordability Calculator
How much rent can you actually afford? Use the 30% rule and beyond based on your income and expenses.
Use Free Tool → NewMortgage Affordability Calculator
How much house can you afford? Full monthly breakdown with principal, interest, tax, and insurance.
Use Free Tool →Cost of Living Comparison
Compare cost of living between two cities. See how your salary, rent, and expenses translate.
Use Free Tool → NewCar Affordability Calculator
Figure out the maximum car price you can afford based on your income and existing expenses.
Use Free Tool →Net Worth, Tax & Tracking 4 tools
Net Worth Calculator
Add up assets and subtract liabilities to see your true net worth. Track it over time.
Use Free Tool →Subscription Cost Calculator
Add all your subscriptions to see the true monthly, annual, and daily cost — plus opportunity cost of investing it.
Use Free Tool → NewIncome Tax Calculator
Estimate your 2025-2026 US federal tax bill with filing status, brackets, and effective rate.
Use Free Tool →Emergency Fund Calculator
Find out exactly how much you need — and how long it will take to build it at your savings rate.
Use Free Tool →India-Specific Calculators 7 tools
For investors and earners in India. Universal inputs — plug in your numbers in any currency.
SIP Calculator
Project returns from a systematic investment plan. See year-by-year wealth growth.
Use Free Tool → NewSWP Calculator
Plan your systematic withdrawal. See how long your corpus will last at your target monthly draw.
Use Free Tool → NewPPF Calculator
Compute your Public Provident Fund maturity value with annual compounding over 15+ years.
Use Free Tool → NewEPF Calculator
Project your Employee Provident Fund corpus at retirement with employer contributions and interest.
Use Free Tool → NewHRA Calculator
Calculate your House Rent Allowance tax exemption based on salary, rent, and city.
Use Free Tool → NewGratuity Calculator
Figure out your gratuity amount on leaving a job using the standard 15/26 formula.
Use Free Tool → NewNPS Calculator
Project your National Pension Scheme corpus, lump sum withdrawal, and estimated monthly pension.
Use Free Tool →Go Beyond Calculators
Pocket Clear helps you track every expense, set category budgets, and see where your money actually goes — all without linking your bank.