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The most accurate tools to calculate mortgage payoff, salary after tax, compound interest, dividend tax, and more. Make better financial decisions.
Calculators
Countries
Free
US States
The tools most used by thousands of users worldwide
Calculate how extra payments reduce your mortgage term and total interest paid. Supports annuity and differentiated payment schedules.
Open calculator →Project your retirement savings with compound interest, employer matching, and inflation adjustment. Based on the 4% withdrawal rule.
Open calculator →Calculate net dividends after tax across 8 countries. Includes withholding rates, surcharges, and tax-free allowances.
Open calculator →Find your take-home pay in 8 countries and all 50 US states. Includes federal and state income tax, social contributions, and deductions.
Open calculator →Compare avalanche and snowball strategies to pay off multiple debts. See total interest saved and your debt-free date.
Open calculator →Calculate loan payments (EMI), total interest, total amount paid, and effective annual rate. Full amortization. Monthly or biweekly.
Open calculator →Tools designed to help you make better financial decisions
Get results immediately. No waiting, no sign-up, no hassle.
Our calculators use the most up-to-date formulas and data for 2026.
Your data is never stored. All calculations run locally on your device.
Calculate from any device: phone, tablet, or desktop.
Each calculator includes clear explanations to understand your finances better.
Unlimited access to all calculators. No subscriptions or hidden fees.
Should you rent or buy? Compare total costs including mortgage, taxes, appreciation, and opportunity cost over time.
Open calculator →Calculate how inflation erodes purchasing power. See the future or historical value of money with year-by-year breakdown.
Open calculator →Calculate how your savings grow with compound interest. Initial deposit, monthly contributions, and year-by-year breakdown.
Open calculator →Financial Independence, Retire Early. Your FIRE number, years to FIRE, savings rate, and year-by-year projection.
Open calculator →FinCalc provides free, accurate financial calculators designed to help you make informed decisions about your money. Whether you are planning to pay off your mortgage early, estimating your retirement savings, understanding dividend taxation in different countries, or calculating your take-home pay — our tools give you instant, transparent results.
See how extra monthly payments or one-time lump sums reduce your total mortgage interest and shorten your loan term. Compare annuity (fixed payment) and differentiated (decreasing payment) schedules side by side, with a full amortization table.
Project your retirement nest egg using compound interest with adjustable return rates, inflation, and employer matching contributions. Results include inflation-adjusted values and monthly income estimates based on the 4% safe withdrawal rule.
Calculate your net dividend income after tax in 8 countries: USA, Germany, UK, France, Canada, Australia, Japan, and Poland. Each country page shows current tax rates, allowances, surcharges, and data sources.
Find your take-home pay after federal and state income tax, social security contributions, and other deductions. Available for 8 countries with dedicated pages for all 50 US states. View results as annual, monthly, bi-weekly, or weekly amounts.
Quick answers to common questions about FinCalc calculators, privacy, and accuracy.
FinCalc is a free collection of financial calculators: mortgage early payoff, retirement savings, salary after tax for 8 countries and all 50 US states, dividend tax by country, debt payoff (avalanche and snowball), rent vs buy, inflation, compound interest, FIRE, and loan payment. All tools run in your browser with no sign-up.
Yes. Every calculator is free to use. There are no subscriptions or paywalls. We do not sell your data. Calculations run locally in your browser so your numbers never leave your device.
No. We do not collect or store the numbers you enter. All calculations run in your browser. We do not use cookies or tracking for the calculators themselves.
Salary after tax is available for USA (including all 50 states), Germany, UK, France, Canada, Australia, Japan, and Poland. Dividend tax calculator covers the same eight countries with current rates and allowances.
We use standard formulas and source tax rates and brackets from official or reputable references. Results are estimates suitable for planning; they are not a substitute for professional tax or financial advice. Data is updated when rules change.