12 free calculators
Free Financial Calculators
Every calculator on TidyTally runs entirely in your browser — nothing you type is sent anywhere. Each one comes with a plain-English explanation of the math, answers to common questions and links to guides that go deeper. Pick one below, or take the quick money personality quiz on the home page.
Home & loans
Understand the biggest payments in your life — what a home, a car or a loan really costs and how fast you can pay it off.
Mortgage Calculator
Monthly payment, full amortization schedule, and total interest over the life of your loan.
💳Loan Payoff Calculator
See your payoff date and how much extra payments actually save you in interest.
🚗Car Loan Calculator
Monthly payment, total interest, and how the loan term changes the real cost.
Saving & retirement
Set goals, build a safety net and see how compounding and inflation shape what your money becomes.
Savings Goal Calculator
How long to reach a goal, and what to save each month to hit it by a date.
🛟Emergency Fund Calculator
Turn your monthly essentials into a target cushion and a timeline to build it.
📈Retirement Savings Calculator
Project your retirement balance and compare a few different contribution levels.
💰Compound Interest Calculator
See how contributions and compounding frequency grow your savings over time.
🎈Inflation Calculator
See what rising prices do to the buying power of your money over the years.
Budget & everyday
Know where you stand today and split the bill without the awkward math.
Budget Calculator (50/30/20)
Split take-home pay into needs, wants and savings, and compare with what you spend.
⚖️Net Worth Calculator
Add up what you own and what you owe to see where you stand today.
💼Hourly to Salary Calculator
Convert between hourly pay, annual salary, monthly, biweekly and weekly pay.
🧾Tip Calculator & Bill Splitter
Split the bill, pick a tip percentage, and divide it evenly in seconds.
How to use these tools together
The calculators are designed to build on one another. A common path: start with the Budget Calculator to see where your income goes, use the Emergency Fund Calculator to set a safety-net target, then use the Savings Goal Calculator to turn each goal into a monthly amount. If you are planning a big purchase, compare scenarios in the Mortgage or Car Loan calculators. For long-term plans, the Retirement Savings and Inflation calculators show what your money could become and what it might be worth.
You can save any result with the "Save This Scenario" button — scenarios are stored only in your own browser. Browse our guides for the reasoning behind the numbers, and see this week's money news for the rates that drive them.