Free calculators that just work

No sign-ups, no fluff, no waiting. Fast tools for everyday money decisions — they load instantly and work on your phone.

💵 Finance Calculators

📈 Compound Interest Calculator
See how your savings grow with contributions and compounding.
💳 Debt Payoff Calculator
Compare the snowball and avalanche methods and find your debt-free date.
🎯 Savings Goal Calculator
How long to reach a goal — or how much to save each month.
🔥 FIRE Calculator
Your FIRE number and years to financial independence.
🚗 Car Loan Calculator
Monthly auto payment, total interest, and loan cost.
🏠 Mortgage Payoff Calculator
See how much sooner you're mortgage-free by paying extra.
🏦 401(k) Calculator
Project your retirement balance with contributions and employer match.
🔑 Rent vs. Buy Calculator
Compare total costs and find the year buying beats renting.
📊 Net Worth Calculator
Add your assets and debts to see your full financial picture.
🛟 Emergency Fund Calculator
Find your target, track progress, and see how long to fully funded.
💰 Savings Rate Calculator
See what percentage of your income you're saving and how you compare.
🧮 50/30/20 Budget Calculator
Split your income into needs, wants, and savings with one click.
🇺🇸 Trump Account Calculator
Check $1,000 seed eligibility and project growth to 18 and retirement.

Common questions

Is MoneyCal actually free?

Yes. Every calculator is free, with no account, no paywall, and no usage limit. The site is supported by ads, not subscriptions.

Do you store what I type in?

No. Every calculation runs in your browser using JavaScript. Your numbers never reach a server, and we don't save them anywhere.

How accurate are the calculators?

Each one uses standard, documented financial formulas, explained on its own page. They're built for estimation and education, not a substitute for a lender, insurance agent, or financial advisor.

Who's behind MoneyCal?

BackroomLabs, an independent shop that builds small, focused tools. Reach us at hello@backroomlabs.net.

Why we built this

Most calculator sites bury the actual math under ad blocks, sign-up walls, and a page of text you have to scroll past first. MoneyCal skips all of that. Pick a calculator, type your numbers, get an answer in seconds. Everything runs in your browser, so nothing you type ever touches a server.

We're BackroomLabs, a small independent shop that builds tools we actually use ourselves. We'd rather ship 13 focused calculators than one bloated app that tries to do everything. Got a calculator you wish existed? Tell us.