Free financial & economic calculators
Twenty-one focused tools for the numbers that matter — savings growth, mortgages, retirement, debt, inflation and more. Every calculation runs entirely in your browser: nothing you type is uploaded, stored, or shared.
Financial calculators
Compound Interest Calculator
Project savings growth with monthly contributions and watch interest overtake your deposits.
Open calculator → 2Mortgage Calculator
Monthly payment, lifetime interest, and a full year-by-year amortization schedule.
Open calculator → 3Retirement / 401(k) Calculator
Project your balance at retirement from your contribution rate, employer match and expected return.
Open calculator → 4Auto Loan Calculator
Roll tax, fees and a trade-in into the loan to see the true monthly cost of a car.
Open calculator → 5Debt Payoff Calculator
How many months to clear a credit-card balance — and what an extra payment saves you.
Open calculator → 6Debt Consolidation Calculator
A 0% balance-transfer card vs. a 401(k) loan — see total cost and payoff time side by side.
Open calculator → 7Payoff vs. Interest Calculator
Pay off your car loan today, or keep riding the payments and invest the cash instead?
Open calculator → 8Mortgage Affordability Calculator
Check a home purchase against standard income and debt-to-income affordability guidelines.
Open calculator → 9401(k) Split Distribution Calculator
Net proceeds from cashing out part of a 401(k) while rolling over the rest — and the cushion it buys you.
Open calculator → 10Debt Snowball & Emergency Fund Calculator
Simulate paying off several debts smallest-first while building an emergency fund.
Open calculator →Canadian calculators
Ontario Take-Home Pay Calculator
Your salary after CPP, EI, federal tax and Ontario tax, surtax and Health Premium.
Open calculator → 12Mortgage Prepayment Penalty Calculator
Three months’ interest versus the IRD — and whether breaking your mortgage pays off.
Open calculator → 13RRSP vs. TFSA Calculator
Which account first? Compare them using your tax rate now and in retirement.
Open calculator → 14CPP Start Age Breakeven Calculator
Take CPP at 60, 65 or 70? Monthly amounts, cumulative totals and breakeven ages.
Open calculator → 15OSAP Repayment Calculator
Standard OSAP payments, grace-period interest and the Repayment Assistance Plan.
Open calculator → 16GIC & Cash Ladder Optimizer
Compare a high-interest savings account against a GIC ladder on an after-tax, after-fee basis.
Open calculator →Economic calculators
Inflation Calculator
How much a fixed sum of money will be worth after years of rising prices.
Open calculator → 18Present & Future Value
The time value of money — solve for present or future value, with optional recurring payments.
Open calculator → 19Real ROI Calculator
Your true investment return after capital-gains tax and the drag of inflation.
Open calculator → 20Salary to Hourly Converter
Convert an annual salary to hourly, weekly and monthly pay — or work backwards from a rate.
Open calculator → 21Rule of 72 Calculator
Estimate how long money, an economy or a population takes to double at a steady growth rate.
Open calculator →Guides
Debt snowball vs. debt avalanche: which pays off faster?
One set of three debts, paid two ways, compared in months and dollars — plus the case where the order matters a lot.
Read the guide →How a GIC ladder works in Canada, with a five-rung example
A $30,000 ladder built rung by rung, with the interest arithmetic, the price of flexibility and the CDIC limit.
Read the guide →How much house can I afford? Debt-to-income ratios explained
Three buyers with the same income and different debts, and the home-price ceiling each one reaches.
Read the guide →Start early or contribute more later? What the compounding math says
Emma invests for ten years and stops. Liam invests for thirty. The result depends on the rate, and on whether Liam can contribute more.
Read the guide →About Calcuvelo
Calcuvelo is an independent, ad-supported project that publishes free financial and economic calculators. The tools are split into three groups. The financial calculators handle the everyday money decisions most households face — growing savings, comparing mortgages, projecting a 401(k), financing a car, and paying down debt. The Canadian calculators apply Canadian rules — Ontario take-home pay, mortgage prepayment penalties, RRSP versus TFSA, CPP start age, OSAP repayment and GIC ladders. The economic calculators deal with the forces that shape wealth over the long run — inflation, the time value of money, real (after-tax, after-inflation) returns, converting salaries to hourly wages, and the Rule of 72.
Every result updates the moment you change an input or drag a slider. Each tool includes a chart so you can see the trajectory rather than just a final number, a year-by-year data table for the exact figures, and a Print / Save PDF button that produces a clean one-page report.
Your privacy
The site is a set of static pages with no backend and no database. Your inputs are processed by JavaScript in your own browser and never leave your device. We do show third-party advertising, which may use cookies — see the Privacy Policy for details and opt-out links.
Frequently asked questions
Are these calculators financial advice?
No. They are educational tools that apply standard formulas to the assumptions you provide. They cannot see your full financial picture. Consult a licensed financial, tax or legal professional before making decisions.
How accurate are the results?
The math is exact for the inputs you enter, but the inputs themselves — future returns, inflation, tax rates — are uncertain. Treat every output as an estimate and try a range of scenarios.
Do the calculators work on mobile?
Yes. The layout is designed mobile-first and the charts and tables are fully responsive, so every tool works on phones, tablets and desktops.