Personal Finance Calculators

Every free FinCalcHub calculator in one place — grouped by what you're trying to figure out. All run in your browser, support USA, UK and South Africa, and need no signup.

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Plan your future — investing & retirement

Project the future value of your money so you can make decisions today that hold up in 10, 20, or 40 years.

📈 Compound Interest Calculator See exactly how your money grows with monthly, daily, or yearly compounding. 🚀 Investment Growth Calculator Project the future value of your portfolio with regular contributions. 🏖️ Retirement Savings Calculator Find out how much you need to retire and whether you're on track. 📊 Inflation Calculator See how inflation erodes your purchasing power over time.

Deeper reads: Compound interest explained · The 4% rule · How much to save by 35 · Retiring at 55 · Retirement planning in South Africa · UK State Pension · 401(k) employer match · Building wealth in your 30s · How inflation erodes savings

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Manage day-to-day money — budgeting & saving

Plan the next month and the next year. See where your money is going and how to redirect it to what matters.

📋 Budget Planner Apply the 50/30/20 rule and see your surplus or shortfall in seconds. 🎯 Savings Goal Calculator Set any target — see how long it takes to save at your current rate. 🛡️ Emergency Fund Calculator Calculate the right cash buffer for your situation.

Deeper reads: The 50/30/20 rule · Creating a monthly budget · How much to save each month · How much emergency fund · Saving for a house deposit

Pay off what you owe — debt

See exactly when each loan is paid off and how much extra payments save in interest.

📉 Loan Payoff Calculator Get your payoff date, total interest, and what extra payments save. 💳 Credit Card Payoff Calculator See your debt-free date and the real cost of minimum payments.

Deeper reads: Debt avalanche vs snowball · How to pay off credit card debt · Should you pay off your loan early?

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Buy or value your home — mortgage

Run the numbers on the biggest purchase of your life — repayment, total interest, and what you can actually afford.

🏠 Mortgage Calculator Monthly repayment, total interest, and full amortisation schedule.

Deeper reads: How much house can I afford? · UK stamp duty · Rent vs buy · Saving for a deposit

Know where you stand — net worth

Pull everything you own and everything you owe into one number, then track it.

🏦 Net Worth Calculator Add assets, subtract liabilities, see your total.

Deeper reads: Average net worth by age · What net worth at 40? · Building wealth in your 30s

Understand your pay — tax & take-home

Compare gross to net across regions and see what each deduction is doing to your salary.

💰 Take-Home Pay Calculator Real salary after income tax, NI, FICA or UIF — USA, UK or South Africa.

Deeper reads: Salary after tax · UK National Insurance · UK Personal Allowance 2024/25 · South Africa tax guide · What is PAYE in South Africa? · Tax on R500,000 in SA · 401(k) and your paycheck

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