Free Financial Calculators You Can Trust
CalcSwift provides free, fast, and accurate financial calculators designed to help you make informed decisions about your money. Whether you're buying your first home, comparing job offers, or planning for retirement, our tools give you instant answers without requiring any signup or personal information.
How Our Calculators Work
Mortgage Calculator
Our mortgage calculator uses the standard amortization formula to estimate your monthly payment based on the home price, down payment, interest rate, and loan term. Simply enter your numbers to see your estimated monthly payment, total interest, and total amount paid over the life of the loan. Remember that your actual payment may also include property taxes, homeowner's insurance, and PMI if your down payment is less than 20%.
Loan Repayment Calculator
Whether it's an auto loan, personal loan, or student loan, the repayment calculator shows you exactly what your monthly payments will be and how much interest you'll pay. Try different terms to see how a shorter loan saves you money on interest even though the monthly payment is higher.
Compound Interest Calculator
See the power of compound interest in action. Enter your initial investment, monthly contributions, expected return rate, and time horizon to see how your money grows. This calculator accounts for different compounding frequencies and clearly shows how much of your final balance comes from contributions versus earned interest.
Salary to Hourly Converter
Comparing a salaried position to a contract or hourly role? Our converter breaks down any salary into hourly, daily, weekly, biweekly, and monthly amounts. You can customize hours per week and weeks per year to match your actual work schedule.
Take-Home Pay Calculator
Our most detailed calculator estimates your actual paycheck after all taxes. It uses real 2024 federal tax brackets, FICA calculations (Social Security and Medicare), and accurate state income tax data for all 50 states — including states with progressive brackets, flat taxes, and the nine states with no income tax at all.
Take-Home Pay Calculator by State
Select your state for a dedicated calculator with detailed information about your state's tax rates, brackets, and deductions:
Average Salary by State
Explore average and median salaries, minimum wage, cost of living, and top employers in each state:
Home Affordability Guides
How much house can you really afford? Our guides break down the numbers by salary level using the 28/36 rule:
Frequently Asked Questions
How accurate are these calculators?
Our calculators use the same standard financial formulas used by banks and financial institutions. The take-home pay calculator uses actual 2024 federal and state tax brackets. However, these are estimates — your actual results may vary based on specific deductions, credits, local taxes, and individual circumstances.
Which states have no income tax?
Nine US states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of these states keep more of their paycheck since they only pay federal income tax and FICA taxes.
How much should my mortgage be relative to my income?
A common guideline is that your total housing payment (including taxes and insurance) should not exceed 28% of your gross monthly income. Your total debt payments should stay below 36%.
Is my data safe?
Yes. All calculations are performed entirely in your web browser using JavaScript. No data is ever sent to our servers or any third party. Your financial information stays completely private on your device.