Skip to content 
Free financial calculators
Free tools to understand your debt and your savings. No sign-up, and your figures never leave your browser.
Debt and credit cards
Saving and investing
- How much your savings grow with compound interest With monthly deposits and all five compounding frequencies. Matches the SEC calculator at investor.gov to the cent, and explains why other calculators disagree.
- Emergency fund calculator How many months of essentials you need for your situation, what that costs in your currency, and how long it takes to save at what you can put away each month.
Financial calculators
- How much to save each month for your goal Set a target and a deadline and get the monthly figure, or enter what you can spare and see how long it takes.
- What a car really costs you per month Splits insurance, registration and maintenance across twelve months. That share is the part nobody sets aside.
- What your money will be worth later How much buying power idle cash loses, and what you would need to buy the same thing.
- How much you need to move out The monthly total, the income it takes to carry it, and the cash you need on day one.
- What a rental property actually returns Gross and net yield with tax, insurance and vacant months taken out, plus the payback period.
These calculators are free, need no sign-up, and do the maths inside your browser: none of the figures you type ever leave your device. They use exactly the same maths as the AI Money app, so the number you see here and the number you would see inside the app are the same.
Most of the financial calculators on the internet live on the websites of banks and lenders, who have no incentive for the result to frighten you. These do the opposite: they give you the figure as it comes out, even when it stings. It usually stings.
How they are built
Three things that matter to us and that other calculators do not always get right:
The rate conversion is the exact one. Turning an effective annual rate into a monthly one is not dividing by twelve: it is (1 + rate)^(1/12) − 1. The difference looks small and over a multi-year debt it is hundreds of dollars. Dividing by twelve is only valid for nominal rates, and here you can choose which one you have.
Nothing is stored. The calculation happens in your browser with JavaScript. There is no form, no sign-up and no server receiving your balance. You can disconnect from the internet after the page loads and they will keep working.
They are the same formulas as the app. Not a simplified version for the web. If the two numbers ever disagreed, that would be a bug on our side and we would want to hear about it.
Yes, all of them. There is no sign-up, no usage limit and nothing to download in order to use them.
No. The calculation happens entirely in your browser and none of the figures you enter are sent to any server or saved anywhere.
They are the same ones the AI Money app uses to project debts and savings, not a simplified version. Each calculator explains the method step by step so you can check it in a spreadsheet if you want to.
Keep reading
- What paying the minimum on your card really costs
- The AI Money blog
- The best budgeting apps of 2026
- Consumer Financial Protection Bureau
AI Money
AI expense tracking
Start free, in under a minute
- Free forever
- No card
- Your data stays on your device
Updated September 2, 2026
