Smart Financial Calculators

Free online financial calculators for mortgages, loans, investments, and more. Make smarter money decisions with accurate, easy-to-use tools.

Mortgage & Real Estate

Calculators for home buying, mortgages, and real estate decisions.

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Free Mortgage Calculator

Calculate your monthly mortgage payment, total interest paid, and view a complete amortization schedule. Free online tool with instant results - no signup required.

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Home Affordability Calculator

Find out how much house you can afford based on your income, debts, and down payment. Get instant pre-qualification estimates using DTI ratios lenders actually use.

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Rent vs Buy Calculator

Should you rent or buy a home? Compare the true costs of renting versus buying over time, including tax benefits, appreciation, and opportunity costs.

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Down Payment Calculator

Calculate how much to save for a house down payment and how long it will take. See the impact of different down payment percentages on your monthly mortgage.

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Mortgage Refinance Calculator

Should you refinance your mortgage? Calculate your break-even point, monthly savings, and total interest savings. Compare your current loan to new refinance options.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and annual mortgage insurance premiums (MIP). See how much you can borrow with just 3.5% down payment.

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VA Loan Calculator

Calculate VA loan payments for veterans and military families. See funding fees, compare 0% down payment options, and estimate your monthly mortgage payment.

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HELOC Calculator

Calculate how much home equity you can borrow with a HELOC. See interest-only payments during the draw period and estimate your available credit line.

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Loans

Calculate payments for auto loans, personal loans, and more.

Debt Payoff

Strategies to pay off credit cards and other debts.

Investment

Tools for calculating investment returns and growth.

Savings

Plan your savings goals and emergency funds.

Retirement

Plan for a comfortable retirement.

Free Financial Calculators for Every Need

LoanCalc provides free, easy-to-use financial calculators to help you make smarter money decisions. Whether you're buying a home, paying off debt, or planning for retirement, our tools give you instant answers without the complexity.

Why Use Our Calculators?

  • Instant Results: All calculations happen in real-time as you adjust values
  • Visual Charts: Understand your finances with interactive graphs and charts
  • No Signup Required: Use any calculator immediately without creating an account
  • Mobile Friendly: Calculate on the go from any device
  • Always Free: No hidden fees or premium paywalls

Popular Calculations

Our most used tools include the Mortgage Calculator for estimating home payments, the Compound Interest Calculator for understanding investment growth, and the Debt Payoff Calculator for creating a plan to become debt-free.