Make smarter money decisions with our free financial tools. Calculate savings goals, create debt payoff plans, plan for retirement, and get personalized AI financial advice — all without signing up.
Choose from our suite of free financial calculators. Each tool is designed to solve a specific financial question quickly and accurately.
Calculate exactly how much you need to save each month to reach your financial goals — house, car, emergency fund, or any target.
Use ToolFind the fastest way to become debt-free. Compare avalanche vs snowball strategies and see your personalized payoff timeline.
Use ToolSee if you're on track for retirement. Calculate how much you need to save and when you can retire comfortably.
Use ToolPlan your portfolio growth with inflation-adjusted projections. Compare nominal vs. real returns across conservative, moderate, and aggressive strategies.
Use ToolGet a clear picture of your income vs expenses. Identify where your money goes and find opportunities to save more.
Use ToolGet personalized financial advice powered by AI. Input your situation and receive a custom financial roadmap in seconds.
Use ToolCalculate your net worth by listing assets and liabilities. Track your financial health with visual breakdowns.
Use ToolFind out how much you need in your emergency fund and how long it will take to build it at your current savings rate.
Use ToolVisualize the power of compound interest. Compare daily, monthly, quarterly, and annual compounding with year-by-year breakdowns.
Use ToolCalculate your monthly mortgage payment including taxes, insurance, and PMI. View detailed amortization schedules.
Use ToolSee how inflation erodes your purchasing power over time. Calculate future costs and plan to protect your wealth.
Use ToolCalculate your monthly car payment, total interest cost, and see amortization schedules. Factor in down payment, trade-in, and sales tax.
Use ToolEstimate your 2026 federal income tax with detailed bracket breakdowns. See effective rate, marginal rate, and take-home pay instantly.
Use ToolCalculate your path to Financial Independence and Retire Early. Find your FIRE number, years to freedom, Coast FIRE, and Lean FIRE milestones.
Use ToolCompare the true cost of renting vs buying a home. See breakeven year, equity growth, and total cost side-by-side over any time horizon.
Use ToolCalculate your net paycheck after federal taxes, Social Security, Medicare, and deductions. See exactly what you take home per pay period.
Use ToolPlan your student loan repayment with standard, extended, and graduated plans. See how extra payments accelerate your payoff and save on interest.
Use ToolCalculate your Return on Investment and compare it against S&P 500, bonds, and savings benchmarks. Find annualized returns instantly.
Use ToolCompare two loan offers side by side. See monthly payments, total interest, total cost, and which option saves you more money.
Use ToolEscape the minimum payment trap. See how long it takes to pay off your credit card and how much you save by paying more each month.
Use ToolSimple Process
Three simple steps to financial clarity
Select from savings, debt, retirement, investment, budget, or AI advisor tools.
Input your financial details. All data stays private and is never stored.
Receive detailed calculations, charts, and AI-powered recommendations immediately.
Managing personal finances can be overwhelming. Between saving for goals, paying off debt, planning for retirement, and making smart investments, there are dozens of numbers to track and decisions to make. WealthCalc simplifies this process by providing free, accurate, and AI-powered financial calculators that anyone can use.
Unlike other financial tools that require expensive subscriptions or complicated sign-up processes, WealthCalcis completely free and requires no registration. Simply visit any calculator, enter your numbers, and get instant results with visual charts and actionable insights.
Research shows that people who use financial planning tools are significantly more likely to achieve their financial goals. A visual projection of your savings growth, debt payoff timeline, or retirement trajectory creates motivation and accountability. When you can see exactly how an extra $100 per month compounds into tens of thousands of dollars over decades, or how switching from the minimum payment to an aggressive strategy can save you years of debt, the numbers become real and actionable.
WealthCalc calculators use industry-standard financial formulas including compound interest calculations, amortization schedules, and the 4% safe withdrawal rate for retirement projections. Every result is backed by the same math used by professional financial advisors, but delivered instantly and for free.
Whether you are just starting your financial journey or looking to optimize an existing plan, the first step is always the same: understand where you stand today. Use our Budget Planner to see your income vs. expenses, then Net Worth Calculator to get a snapshot of your overall financial health. From there, prioritize: build an emergency fund, eliminate high-interest debt, and start investing for your future. Each of our calculators is designed to help with a specific step in this process, so you can tackle your finances one decision at a time.
FAQ
Yes, all WealthCalc calculators are 100% free to use with no signup, registration, or hidden fees. You can use any tool as many times as you want.
Our calculators use industry-standard financial formulas and up-to-date assumptions. While they provide accurate estimates, we recommend consulting a certified financial advisor for major financial decisions.
No account or registration is needed. Simply visit any calculator page, enter your numbers, and get instant results. Your data is processed in your browser and is not stored.
Our AI Financial Advisor analyzes your income, expenses, debts, and goals to generate a personalized financial roadmap. It uses advanced AI to provide actionable recommendations tailored to your specific situation.
Yes. Calculations are performed locally in your browser whenever possible. For AI-powered features, data is processed securely and is never stored or shared. We do not sell or share any user data.
Use our free calculators to take control of your finances today. No signup needed.
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