Free Money Calculators: Debt, Mortgage & Savings

Paying off debt? Compare snowball and avalanche, or see what one card costs in interest. Have a mortgage? See what extra principal does to the payoff date. Sharing rent? Split bills by income. Planning ahead? Check runway or turn a nominal return into a real one. Free, no sign-up, and nothing you enter leaves your browser.

What's a fair way to split bills?: Free calculator for couples and roommates: split rent and shared bills by income, compare it with 50/50, and see what each person keeps. Related reading: Shared goals, separate accounts.

Snowball or avalanche for my debts?: Free debt payoff calculator: enter your balances, rates, and minimums to compare snowball and avalanche, with first debt cleared, payoff dates, and total interest side by side. Related reading: The extra $200.

How long will my savings last?: Free runway calculator: see how many months your savings cover if income stops or drops, and how much cash you need for a 3, 6, or 12 month emergency fund. Related reading: Months of runway.

How much interest am I paying?: Free credit card interest calculator: see this month’s interest, months to pay off, and total interest from your balance, APR, and payment. Related reading: Credit card interest is a tax.

What's my return after inflation?: Free inflation calculator: convert a nominal return to a real return, and see future sticker dollars vs buying power. Related reading: Nominal vs real, no lecture.

What does extra principal buy me?: Free mortgage calculator: see P&I, cash leaving with escrow, and how much earlier a steady extra principal payment clears the loan. Related reading: Extra principal moves the pin.

Free money calculators