Free financial calculators — no signup required

Know Your Numbers.
Own Your Future.

Calculate exactly how long until you're debt-free. Compare payoff strategies. Make decisions backed by math, not guesswork.

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19

Free Calculators

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Sample result

Debt-free in 34 months

Built Different

Most financial calculators want your data. We just want to help you make better decisions.

No Signup Required

Jump straight into any calculator. No accounts, no email walls, no friction.

100% Private

All calculations happen in your browser. Your financial data never touches our servers.

Transparent Math

Every formula is documented. See exactly how we calculate your results.

Compare Strategies

Snowball vs avalanche. Refinance vs stay. See which approach saves you more.

Mobile-Ready

Full functionality on any device. Calculate on your phone, tablet, or desktop.

Forever Free

No premium tiers, no hidden costs. Every calculator is free, now and always.

Popular Calculators

Our most-used tools to help you take control of your finances.

Debt Payoff Planner

Compare snowball vs avalanche strategies to find the fastest way to become debt-free.

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Credit Card Payoff

See how long it takes to pay off your balance and how much interest you'll pay.

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Auto Loan Calculator

Calculate monthly payments and total cost for your next vehicle purchase.

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Mortgage Refinance

Find out if refinancing makes sense by comparing your current loan to new options.

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Loan Amortization

View your complete payment schedule and see how extra payments save you money.

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Debt-to-Income Ratio

Calculate your DTI to understand how lenders view your borrowing capacity.

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View All 19 Calculators

Frequently Asked Questions

Everything you need to know about DebtMath

1

Are these calculators really free?

Yes, 100% free with no catches. We don't have premium tiers, paywalls, or "unlock full results" nonsense. Every calculator is fully functional for everyone.
2

Do you store my financial data?

No. All calculations happen directly in your browser. Your numbers never leave your device—we literally can't see them. There's no database, no accounts, nothing to hack.
3

How accurate are these calculators?

We use the same formulas that banks and financial institutions use. Our methodology page documents every calculation so you can verify the math yourself. That said, these are estimates—actual results may vary based on fees, rate changes, and payment timing.
4

Can I use these calculators on my phone?

Absolutely. Every calculator is designed to work on any screen size. No app download needed—just open the site in your mobile browser.
5

How do I know which calculator to use?

Start with your goal: paying off credit cards? Use Credit Card Payoff. Multiple debts? Use Debt Payoff Planner. Considering refinancing? Use Mortgage Refinance. Each calculator page explains what it's best for.
6

Do you sell my information to lenders?

No. We don't collect your information, so there's nothing to sell. We're not a lead generation site disguised as a calculator. We're just calculators.

Still have questions? We're happy to help. Get in touch →

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