Every financial calculator on Sensiblesum
Interest, loans, investing, retirement, and everyday budgeting — twenty free calculators, each with a plain-language explainer, the formula behind it, and worked examples.
Interest & GrowthCompound Interest Calculator
See how a lump sum — plus optional monthly deposits — grows once interest starts earning interest on itself.
Interest & GrowthInflation Calculator
Estimate what today’s money will cost in the future, or what it’s really worth after years of rising prices.
Interest & GrowthSimple Interest Calculator
Calculate interest that accrues only on the original principal — no compounding, straight-line growth.
Interest & GrowthAPY Calculator
Convert a nominal interest rate and compounding frequency into the real annual yield you’ll actually earn.
Interest & GrowthAPR Calculator
Estimate the true annual cost of a loan once upfront fees are folded in alongside the interest rate.
Loans & DebtMortgage Calculator
Estimate your monthly mortgage payment, and see the total interest you’ll pay over the life of the loan.
Loans & DebtLoan Calculator
A general-purpose calculator for any fixed-rate installment loan: find your payment and total interest.
Loans & DebtCredit Card Payoff Calculator
Find out how long a fixed monthly payment will take to clear a credit card balance, and the interest it costs.
Loans & DebtDebt Payoff Calculator
See how much faster you’ll be debt-free — and how much interest you’ll save — by adding extra to your payment.
Loans & DebtCar Loan Calculator
Estimate your monthly auto loan payment after trade-in and down payment, plus total interest over the term.
Loans & DebtPersonal Loan Calculator
Estimate the monthly payment and total interest for an unsecured personal loan, based on amount, rate, and term.
Investing & RetirementInvestment Calculator
Project how a portfolio could grow with regular contributions and an assumed average annual return.
Investing & RetirementRetirement Calculator
Project your retirement balance from current savings and contributions, then estimate sustainable monthly income.
Investing & Retirement401(k) Calculator
Project your 401(k) balance including your contribution rate, employer match, and investment growth.
Investing & RetirementROI Calculator
Measure the return on an investment in total percentage terms, and annualized if it spans multiple years.
Savings & BudgetingSavings Calculator
Project how a savings balance grows with regular deposits and interest — for any goal and time frame.
Savings & BudgetingNet Worth Calculator
Add up everything you own and subtract everything you owe to get a single snapshot of your finances.
Savings & BudgetingEmergency Fund Calculator
Find your target emergency fund size based on essential monthly expenses, and see how much more you need.
Savings & BudgetingSalary Calculator
Convert an hourly wage into weekly, monthly, and annual pay — or see any salary broken down by period.
Savings & BudgetingTake-Home Pay Calculator
Estimate your net paycheck after pre-tax deductions, an estimated tax rate, and post-tax deductions.