Free Financial Calculators

Instant answers to your loan, insurance, HSA, mortgage, and credit card questions. No sign-up. No ads. Just the numbers.

Loan Payment Calculator
Calculate your monthly payment for any personal loan, auto loan, or installment debt

Monthly Loan Payment

Enter your loan amount, interest rate, and term to see your exact monthly payment, total interest paid, and total cost of the loan.

Monthly Payment
$484
Total Interest Paid
$4,057
Total Cost of Loan
$29,057
Time Saved with Extra Payment
Results are estimates. Actual payments may vary based on lender fees, payment timing, and rounding.
Compare personal loan rates from top lenders
Mortgage Calculator
Estimate your monthly mortgage payment including principal, interest, taxes, and insurance

Monthly Mortgage Payment (PITI)

Calculate your full monthly mortgage payment including estimated property tax and homeowner's insurance.

Monthly Payment (PITI)
$2,183
Principal & Interest
$2,083
Tax + Insurance (monthly)
$500
Total Interest Over Loan
Total Cost of Home
Does not include PMI (required if down payment < 20%) or HOA fees.
Credit Card Payoff Calculator
See how long it takes to pay off your balance and how much interest you'll pay

Credit Card Debt Payoff Planner

Enter your balance, APR, and monthly payment to see your payoff date and total interest cost. Adjust your payment to find the fastest path to zero.

Months to Pay Off
33 months
Total Interest Paid
$1,537
Total Amount Paid
$6,537
Payment Needed to Pay Off in Target Time
Making only minimum payments dramatically extends payoff time. Increasing your payment by $50/month can save hundreds in interest.
Compare 0% balance transfer cards to pay off faster
🏥
HSA Tax Savings Estimator
See how much you save in taxes by maxing out your Health Savings Account

HSA Annual Tax Savings Calculator

An HSA gives you three separate tax breaks. This calculator shows your year 1 savings, your 10-year cumulative savings, and the long-run investment balance if you invest your contributions.

Year 1 Tax Savings
$1,525
10-Year Cumulative Tax Savings
$15,250
30-Year HSA Balance (7% return, invested)
$415,000
30-year balance assumes annual maximum contributions invested at 7% average return, tax-free. Not financial advice. 2026 IRS limits.
Open a free HSA with Lively — $0 monthly fee
Auto Insurance Estimator
Get a rough estimate of your monthly auto insurance premium based on your profile

Car Insurance Premium Estimator

This tool estimates your monthly auto insurance premium based on vehicle value, driver profile, and coverage level. For an exact quote, compare real rates from top carriers.

Estimated Monthly Premium
$142
Estimated Annual Premium
$1,704
Potential Savings by Comparing
Up to $420/year
Estimates are illustrative only — actual premiums depend on your exact driving record, ZIP code, credit score, and carrier. Always get multiple quotes.
Compare real auto insurance quotes from top carriers
Credit Score Simulator
See how specific actions could affect your credit score before you take them

Credit Score Impact Simulator

This simulator estimates how common credit actions (paying off debt, opening a new card, missing a payment) might affect your credit score. Results are illustrative and vary by individual credit profile.

Current Score
680
Estimated Score After Action
Estimated Change
Score Category
Good
Score impacts are illustrative estimates based on typical FICO scoring factors. Actual results vary based on your full credit profile. Not a substitute for professional credit counselling.
Read our full credit score roadmap
Savings Growth Calculator
See how your savings grow over time with compound interest

Compound Savings Growth Calculator

Calculate how your savings balance grows over time with regular contributions and compound interest. Use this to plan emergency funds, short-term goals, or retirement savings.

Final Balance
Total Contributions
Interest Earned
Return on Contributions
Results assume a constant interest rate. High-yield savings accounts and CDs typically compound monthly. Investment returns vary and are not guaranteed.
See how an HSA adds triple tax-free growth on top of savings