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Free, accurate personal finance calculators

Multi-variable calculators that give you a real, personalized answer — payoff schedules, break-even points, and side-by-side comparisons, not just a single number. Your inputs never leave your device.

Transparent formulas No accounts, no tracking Charts & full schedules

Mortgage

View all mortgage →

Pay your home loan off faster and see exactly what each strategy saves.

Mortgage Payoff (Extra Payments)

See how extra monthly or one-time payments cut years off your mortgage and slash total interest, with a full side-by-side amortization comparison.

Bi-Weekly Mortgage Savings

Compare bi-weekly vs monthly mortgage payments and see the interest and time you save by making 26 half-payments a year.

Debt Payoff

View all debt payoff →

Snowball, avalanche, and credit-card strategies compared side by side.

Debt Snowball

Pay off your smallest balances first for fast motivating wins. See your full payoff timeline and total interest.

Debt Avalanche

Target your highest-interest debt first to minimize interest. Compare avalanche vs snowball savings instantly.

Credit Card Payoff

See how long it takes to clear your card and the total interest — or set a payoff deadline and get the payment you need.

FIRE & Retirement

View all fire & retirement →

Find your number, your Coast FIRE point, and your years to financial independence.

Coast FIRE

Find out if your current savings will coast to a full retirement with no further contributions — and your exact Coast FIRE number.

FIRE Number

Calculate your financial independence number from annual spending and a safe withdrawal rate, plus your years to FI.

Loans & Refinance

View all loans & refinance →

Early payoff schedules and refinance break-even analysis.

Refinance Break-Even

Find out how many months it takes to recoup your closing costs after refinancing, and your true lifetime savings.

Extra-Payment Loan Payoff

Add extra principal to any loan and see your new payoff date, interest saved, and a complete amortization schedule.

Housing Decisions

View all housing decisions →

The big buy-or-not decisions: rent vs buy, lease vs buy.

Rent vs Buy

Compare the true cost of buying vs renting over your time horizon, including taxes, appreciation, and opportunity cost.

Car Lease vs Buy

Compare the total cost of leasing vs financing a car over your ownership horizon, including resale value and equity.

Income & Pay

View all income & pay →

Translate salary, hourly pay, and time off into real take-home math.

Salary to Hourly

Convert annual salary to an hourly rate and back, accounting for hours per week, weeks worked, and paid time off.

Why CalcRay

Accurate by design

Standard, well-established finance formulas — openly documented in our methodology so you can check our work.

Private by default

No accounts, no logins, no tracking of your inputs. Every calculation runs entirely on your own device.

Genuinely useful

Scenario tools that show schedules, charts, and break-even points — so you understand the decision, not just the number.

CalcRay is for education and planning. It is not financial, tax, or legal advice.