Financial calculators that think for you
Every calculator delivers personalized AI insights — not just numbers. Know what your results mean, what to do next, and how to optimize your financial decisions.
11 free calculators · no sign-up · free forever
Highlight — "Paying $200 extra/month saves $18,400 in interest and cuts 4 years off your mortgage."
Tip — "Your HYSA at 4.5% earns $3,200 more than prepaying this loan — consider saving instead."
Warning — "At 22% APR, this debt costs more than any investment can earn. Pay it off first."
Every calculator includes AI-powered insights — tailored tips, warnings, and opportunities based on your exact numbers. No generic advice. No fluff.
Stop guessing. Start knowing.
Real scenarios. Real answers.
Tell us your numbers — we'll tell you exactly what to do. No jargon, no guesswork.
Got extra cash and two mortgages — which one do you hit first?
Our AI optimizer compares Avalanche vs Snowball across all your loans, then tells you if your HYSA beats prepaying entirely.
Should you throw extra money at your loan or put it in the market?
We compare your loan's interest rate against real savings and market returns — so you know which move actually builds wealth faster.
How much do you actually need to never work again?
Plug in your annual spend and get your exact FIRE number — plus how many years of investing it takes to get there.
Mortgage
Buy, refinance, and compare smarter
Multi-Loan Prepayment Optimizer
Got extra cash and multiple loans? Find the smartest place for every extra dollar.
Mortgage Refinance
Calculate your break-even point and total savings from refinancing.
ARM vs Fixed Rate
Compare adjustable and fixed rate mortgages side by side over time.
Home Affordability
Find your max home price based on income, debts, and DTI limits.
Loans & Debt
Pay off debt faster and smarter
Investing & Wealth
Grow and track what you have
Compound Interest
See how your investment grows over time with the power of compounding.
Net Worth
Add up your assets and liabilities to get your true financial snapshot.
FIRE Number
Find the portfolio size you need to retire using the 4% rule.
Emergency Fund
Calculate the right savings cushion based on your monthly expenses.
Why WealthCalc?
AI insights, not just math
Every result comes with smart, personalized insights — what to do, what to watch out for, and how to optimize.
100% private
All calculations run in your browser. Your numbers never touch a server.
Instant results
No loading spinners. No sign-up. Results appear the moment you click Calculate.