Free budget, loan and savings calculators

Quick, private calculators for the money questions that come up most: what you can afford, what a loan really costs, how fast savings grow and how to get out of debt. They are free, need no account, and work out everything in your browser.

Budget calculatorIncome, expenses and what is left, checked against the 50/30/20 rule. Weekly to yearly amounts.Loan calculatorPayment, total interest, payoff date and the full amortization schedule, with extra payments.Mortgage calculatorMortgage payment with Canadian or US compounding, accelerated payments, insurance and total housing cost.Compound interest calculatorSee how savings and investments grow with regular contributions, and what that is worth after inflation.Savings goal calculatorHow much to save each month to reach a goal by a date, or how long it takes at your pace.Debt payoff calculatorCompare the debt avalanche and the debt snowball and see your debt-free date and interest saved.Emergency fund calculatorHow much to keep for emergencies (3 to 12 months of essentials) and how long it takes to build.Pay and bill frequency converterTurn hourly, weekly, bi-weekly, monthly or yearly amounts into every other period.Subscription cost calculatorAdd up your subscriptions by month, year and ten years, and see what cancelling some would save.

Why use these calculators

Private. The numbers you type never leave your device.
Honest maths. Payments follow the standard loan and compound-interest formulas, including semi-annual compounding for Canadian fixed-rate mortgages and accelerated bi-weekly payments.
Your currency. Pick Canadian or US dollars, euros, pounds and more.
From estimate to plan. When you are ready to use real numbers, import your bank CSV or PDF statements into the free Budget Dashboard and track your budget, loans and savings goals.

Frequently asked questions

Are these calculators really free?

Yes. There is no sign-up, no limit and nothing to install.

Is my information sent anywhere?

No. Every calculation is done in your own browser. The numbers you type are not uploaded, saved or shared.

How accurate are the results?

They are estimates based on the numbers you enter and the usual formulas. Real lenders and banks round, charge fees and set rules differently, so use the results for planning and confirm them with your lender or a professional.

These calculators give estimates for planning and learning. They are not financial, tax or legal advice, and real lenders, banks and tax rules can differ. Check the numbers with your lender or a qualified professional before you decide.

Published by Budget Dashboard. Questions or corrections? Contact us.