Why another set of financial calculators
There is no shortage of places to get a monthly payment. What is harder to find is a calculator that tells you where its number came from, admits when a figure is an approximation, and publishes its mistakes. That is the gap these tools are built for.
Every figure is verified against a primary source before publication — IRS publications and Revenue Procedures, CRA guidance, and each state or province's own revenue authority. Where a calculation is an approximation, the calculator says so in its own result rather than in fine print. The methodology page names the source behind each tool including what is still incomplete, and the corrections log records every error found so far, dated, with the size of the mistake in dollars.
Everything runs in your browser. Salary figures, loan balances and debt amounts never leave your device, because the site is static files with no server to send them to.
Which one do you need?
If you are considering a loan, start with the loan calculator for the payment and the loan comparison tool if you have more than one offer. If you already have debt, the debt payoff calculator tells you how long it takes at your current payment, and the extra payment calculator shows what accelerating it is worth. If you are looking at a house, rent vs. buy comes before the mortgage calculator — deciding whether to buy is the larger question. If you already have a mortgage and rates have moved, the refinance calculator reports break-even alongside lifetime cost, because those two frequently disagree.
For anything income-related, the salary calculator gives take-home pay by pay period while the tax calculators break down the liability itself. Still unsure? The which calculator do I need page walks through it by situation.
Frequently asked questions
Are these financial calculators free?
Yes. Every calculator here is free, requires no account, and runs entirely in your browser — nothing you enter is transmitted anywhere.
Which calculator should I use for a mortgage?
The mortgage calculator for the monthly cost of a specific house, rent vs. buy if you are still deciding whether to buy at all, and the refinance calculator if you already have a mortgage and are weighing replacing it.
How current are the tax figures?
They use 2026 federal and state or provincial figures, verified against IRS, CRA and individual state revenue authority sources. The methodology page lists what backs each figure; the corrections log records every change.