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The Smarter Way
to Do the Math

Instant, accurate financial calculators for mortgages, paychecks, 401k, retirement, and more. Built for Americans.

8
Calculators
$0
Cost
0s
Results
100%
Private
🏠
Mortgage Calculator

Calculate your monthly mortgage payment including principal, interest, taxes, and insurance (PITI).

$
$
📊 Mortgage Breakdown
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Monthly Payment (PITI)
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Principal & Interest
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Total Interest Paid
—
Total Cost of Home
💵
Paycheck Calculator

Estimate your take-home pay after federal taxes, Social Security, Medicare, and state income tax.

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$
💵 Paycheck Breakdown
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Take-Home Pay
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Federal Tax
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FICA (SS + Medicare)
—
Annual Take-Home
📈
401(k) Growth Calculator

See how your 401(k) grows over time with employer match and compound returns.

$
$
📈 401(k) Projection
—
Projected Balance
—
Your Contributions
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Employer Match
—
Investment Growth
🔢
Compound Interest Calculator

See how your money grows with the power of compounding over time.

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$
20 Years
💰 Compound Growth
—
Final Balance
—
Total Deposited
—
Interest Earned
🚗
Auto Loan Calculator

Calculate your monthly car payment and total cost of vehicle ownership.

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$
$
60 Months
🚗 Auto Loan Breakdown
—
Monthly Payment
—
Total Interest
—
Total Cost
🎯
Retirement Savings Calculator

Find out how much you need to save monthly to hit your retirement goal.

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$
$
🎯 Retirement Projection
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Monthly Savings Needed
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Years to Retirement
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Projected at Retirement
—
Est. Monthly Income
🔥
FIRE Calculator

Calculate your Financial Independence number and years until you can retire early.

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$
$
🔥 FIRE Projection
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FIRE Number
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Years to FIRE
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FIRE Age
—
Savings Rate
🏦
CD Calculator

Calculate your Certificate of Deposit maturity value and effective APY.

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🏦 CD Maturity
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Maturity Value
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Interest Earned
—
Effective APY

Why WealthCalc

Built Different.
Works Better.
⚡
Instant Results

No loading spinners. Results appear the moment you hit calculate.

🔒
100% Private

All math happens in your browser. Your numbers never touch our servers.

🇺🇸
US-Specific

Built with 2026 IRS brackets, FICA rates, and US financial realities.

📱
Works Everywhere

Optimized for mobile, tablet, and desktop. Use it anywhere.

🆓
Always Free

No subscriptions, no paywalls, no sign-up. All 8 tools, always free.

📐
Accurate Formulas

Standard financial formulas. The same math your bank uses.

From the Blog
View all articles →
🔥
Money Basics
The Complete American Guide to FIRE
🏠
Mortgage
How Much House Can You Actually Afford?
📈
Retirement
7 401(k) Mistakes Costing You Thousands
💳
Debt
Pay Off Mortgage Early vs Invest

FAQ

Common Questions
Our mortgage calculator uses the standard amortization formula used by all US lenders. Principal and interest will be exact. Taxes and insurance are estimates based on your inputs.
Yes — you enter your state's income tax rate manually, which makes it work for all 50 states. Federal taxes use 2026 IRS brackets. FICA (6.2% SS + 1.45% Medicare) is calculated automatically.
Your FIRE number is the portfolio size needed to retire and never run out of money. Calculated as Annual Spending ÷ Safe Withdrawal Rate. At the classic 4% SWR, you need 25× your annual spending.
No. Every calculation runs entirely in your browser with JavaScript. Nothing is sent to any server. Your financial data is completely private.
At minimum, contribute enough to get your full employer match. Beyond that, aim for 15% of gross income total. The 2026 IRS 401(k) limit is $23,500 ($31,000 if age 50+).