WealthCalc is a free suite of AI-powered financial calculators designed to help everyone make smarter money decisions. We believe that financial literacy tools should be accessible to everyone, regardless of income or background.
Our Mission
Financial planning shouldn't require expensive consultations or complicated software.WealthCalc was built to provide anyone with instant, accurate, and personalized financial insights — completely free, with no registration required.
What We Offer
Our platform includes 20 powerful financial tools:
- Savings Goal Calculator — Calculate exactly how much you need to save each month to reach your financial goals — house, car, emergency fund, or any target.
- Debt Payoff Calculator — Find the fastest way to become debt-free. Compare avalanche vs snowball strategies and see your personalized payoff timeline.
- Retirement Calculator — See if you're on track for retirement. Calculate how much you need to save and when you can retire comfortably.
- Investment Growth Calculator — Plan your portfolio growth with inflation-adjusted projections. Compare nominal vs. real returns across conservative, moderate, and aggressive strategies.
- Budget Planner — Get a clear picture of your income vs expenses. Identify where your money goes and find opportunities to save more.
- AI Financial Advisor — Get personalized financial advice powered by AI. Input your situation and receive a custom financial roadmap in seconds.
- Net Worth Calculator — Calculate your net worth by listing assets and liabilities. Track your financial health with visual breakdowns.
- Emergency Fund Calculator — Find out how much you need in your emergency fund and how long it will take to build it at your current savings rate.
- Compound Interest Calculator — Visualize the power of compound interest. Compare daily, monthly, quarterly, and annual compounding with year-by-year breakdowns.
- Mortgage Calculator — Calculate your monthly mortgage payment including taxes, insurance, and PMI. View detailed amortization schedules.
- Inflation Calculator — See how inflation erodes your purchasing power over time. Calculate future costs and plan to protect your wealth.
- Auto Loan Calculator — Calculate your monthly car payment, total interest cost, and see amortization schedules. Factor in down payment, trade-in, and sales tax.
- Tax Bracket Calculator — Estimate your 2026 federal income tax with detailed bracket breakdowns. See effective rate, marginal rate, and take-home pay instantly.
- FIRE Calculator — Calculate your path to Financial Independence and Retire Early. Find your FIRE number, years to freedom, Coast FIRE, and Lean FIRE milestones.
- Rent vs Buy Calculator — Compare the true cost of renting vs buying a home. See breakeven year, equity growth, and total cost side-by-side over any time horizon.
- Take-Home Pay Calculator — Calculate your net paycheck after federal taxes, Social Security, Medicare, and deductions. See exactly what you take home per pay period.
- Student Loan Calculator — Plan your student loan repayment with standard, extended, and graduated plans. See how extra payments accelerate your payoff and save on interest.
- ROI Calculator — Calculate your Return on Investment and compare it against S&P 500, bonds, and savings benchmarks. Find annualized returns instantly.
- Loan Comparison Calculator — Compare two loan offers side by side. See monthly payments, total interest, total cost, and which option saves you more money.
- Credit Card Payoff Calculator — Escape 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.
Our Principles
Always Free
Every tool on WealthCalc is free to use, with no hidden fees, subscriptions, or paywalls.
No Registration
Use any tool instantly without creating an account or sharing personal information.
Privacy First
We don't store your financial data. Calculations happen securely and data is discarded after use.
AI-Powered Accuracy
We use advanced AI to provide personalized insights that go beyond basic calculators.
Disclaimer
WealthCalc provides financial calculators and AI-generated suggestions for informational and educational purposes only. The information provided does not constitute financial, investment, tax, or legal advice. Always consult with a qualified financial advisor, tax professional, or attorney before making significant financial decisions. Past performance does not guarantee future results. WealthCalc makes no warranties regarding the accuracy or completeness of any information provided.