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Reviewed by the ClearTally editorial team · Last updated July 16, 2026 · Methodology & sources

Every free calculator on TryClearTallyin one place. Type a tool name or what you're trying to do — “mortgage,” “car loan,” “take-home pay” — and jump straight to it, or browse all 38 calculators by category below.

Mortgage & Real Estate

Mortgage Calculator

Estimate your full monthly mortgage payment — principal, interest, property tax, homeowners insurance, HOA — plus total interest and the amortization schedule.

Refinance Calculator

See how refinancing your mortgage changes your monthly payment and lifetime interest, and how long it takes to break even on closing costs.

Mortgage Payoff Calculator

Find out how extra payments shorten your mortgage and cut interest costs.

Biweekly Mortgage Calculator

See how paying half your mortgage payment every two weeks shaves years off your loan and cuts total interest.

PMI Calculator

Estimate your monthly PMI and the total you'll pay — plus when it ends: the 80% request threshold, the 78% automatic cutoff, or the midpoint backstop.

15 vs 30 Year Mortgage

Compare 15- and 30-year mortgages side by side — monthly payments, total interest, and what the shorter term saves.

Closing Cost Calculator

Estimate closing costs line by line — lender fees, title, taxes, prepaids — and the total cash you'll need to close.

Mortgage Recast Calculator

See your new lower monthly payment after a recast, the interest saved, and how it compares with prepaying without one.

HELOC Calculator

Estimate your available home equity line of credit and its payments — interest-only during the draw period, then higher once repayment begins.

Home Affordability Calculator

See how much house you can afford from your income, debts, and down payment using the 28/36 rule.

Down Payment Calculator

Work out your down payment amount, the resulting loan and loan-to-value, whether PMI applies, and how much to save each month to reach it.

Rent vs Buy Calculator

Compare the true cost of renting vs buying over the years you plan to stay, including equity, appreciation, and the break-even year.

Loans & Debt

Savings & Investing

Compound Interest Calculator

Project how your savings or investments grow over time with compound interest.

Inflation Calculator

Convert a dollar amount between any two years using official CPI data, or project it forward at an inflation rate you choose.

Net Worth Calculator

Add up what you own and subtract what you owe to see your net worth, a balance-sheet breakdown, and your debt-to-asset ratio.

Investment Return Calculator

Project the future value, total gains, and ROI of a lump sum plus recurring contributions over time.

Retirement Calculator

Project your retirement savings from your contributions, employer match, and investment growth — and see what your balance could reach by the age you retire.

FIRE Calculator

Find your FIRE number and the age you'd reach financial independence — from your savings, expenses, expected return, and withdrawal rate.

401(k) Calculator

Project your 401(k) balance at retirement and see how much free money your employer match adds over time.

Roth IRA Calculator

Project your Roth IRA balance at retirement and see how much of it is contributions versus tax-free investment growth.

CD Calculator

See what a certificate of deposit is worth at maturity and how much interest it earns, from your deposit, APY, and term.

Savings Goal Calculator

Find out how much to save each month to hit a savings goal by a target date.

Emergency Fund Calculator

Set your emergency fund target from your essential monthly expenses, see the gap to your goal, and how many months of saving it takes to get there.

Paycheck Calculator

Convert between hourly wage and annual salary, with common pay-period breakdowns.

Take-Home Pay Calculator

Estimate your net paycheck after federal tax, FICA, state tax, and pre-tax 401(k) and health deductions.

Salary Raise Calculator

Work out what a raise adds to your salary and paycheck, and whether it actually beats inflation once cost of living is accounted for.

Income Tax Calculator

Estimate your 2026 federal income tax, FICA, and state tax — with your taxable income, effective and marginal rates, and after-tax income.

Sales Tax Calculator

Add sales tax to any price by state, with a local-rate or manual override — see the tax amount and the total you'll pay.

Tip Calculator

Calculate the tip and split any restaurant bill — tap 15/18/20/25% or set your own, and see what each person pays.

Overtime Calculator

Calculate overtime pay from your hourly rate and hours — regular pay, time-and-a-half (or double-time) overtime, and gross total per paycheck.

How to use this page

There are two ways in. If you already know the tool you want, start typing in the search box — it matches calculator names and the everyday terms people use for them, so “car loan” lands on the auto loan calculatorand “pay off my mortgage” lands on the mortgage payoff calculator. Use the arrow keys to move through the suggestions and Enter to open one. If you'd rather look around, the grouped list above holds every calculator on the site, newest additions included — nothing is hidden behind a menu.

What each category covers

Mortgage & Real Estate

The home-buying tools, from the first “what would this cost?” to the details that decide whether a deal works. The mortgage calculator estimates your full monthly payment including taxes and insurance; the home affordability calculator works backward from your income to a price you can support. Around them sit tools for the specific decisions — refinancing, PMI, closing costs, a 15- versus 30-year term, biweekly payments, and renting versus buying — so you can pressure-test a purchase from every angle before you sign.

Loans & Debt

Everything you borrow and everything you're paying down. Price a new loan with the auto loan, student loan, or personal loan calculators, then use the loan payoff, credit card payoff, and debt payoff tools to see how much faster — and cheaper — an extra payment or a snowball plan gets you to zero.

Savings & Investing

The other side of the ledger: growing money and keeping more of your paycheck. Project long-term growth with the compound interest and investment return calculators, plan ahead with the retirement and 401(k) tools, and figure out what actually hits your bank account with the take-home pay and income tax calculators.

Why run the numbers instead of guessing

A monthly payment, a payoff date, or a take-home figure is just arithmetic — but it's the kind that's easy to get wrong in your head and expensive to get wrong in real life. A rate that looks a half-point higher can add tens of thousands over a 30-year loan; an extra $100 a month can erase years of interest. Seeing the actual number, next to the number you'd get from a different choice, is what turns a vague sense of “that seems fine” into a decision you can stand behind. Each calculator here shows its work — the schedule, the breakdown, the break-even point — so you're not trusting a single figure on faith. They're estimates, not financial advice, and the methodology page lays out the formulas and data behind each one.

Frequently asked questions

Start with what you're actually trying to answer. If you know the tool, type its name in the search box above — it also matches common synonyms, so 'car loan' finds the Auto Loan Calculator and 'net pay' finds the Take-Home Pay Calculator. If you're not sure which tool fits, browse the grouped list: the question 'can I afford this house?' points to the home affordability calculator, while 'how do I get out of debt faster?' points to the debt payoff calculator. Most tools also link to their closest neighbors at the bottom of the page.

Don't see the calculator you need? Suggest one — and browse the whole set any time from the homepage.