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38 free financial calculators · No sign-up

Money math, made clear.

Free U.S. calculators for your paycheck, taxes, mortgage, debt, savings and retirement. Every page shows the formula and a worked example, so you can check the numbers yourself.

Browse all calculators Try the Paycheck Calculator
Example result Pay Raise Calculator
A 4% raise on a $60,000 salary $62,400
Per year+$2,400
Per month+$200
Per paycheck+$92.31
$60,000 × (1 + 4 ÷ 100) = $62,400

Most-used calculators

The tools people open most often on FinRise Tools.

Paycheck and taxesPaycheck CalculatorTake-home pay after 2026 federal tax, FICA, state tax and 401(k). Salary and hoursPay Raise CalculatorYour new salary, hourly rate and paycheck after a raise. Everyday moneyTip CalculatorTip, total and each person’s share, with rounding and pre-tax tipping. Home and mortgageMortgage CalculatorMonthly payment with taxes, insurance, PMI and HOA dues. Savings and bondsCD CalculatorInterest and balance at maturity for any CD, before and after taxes. RetirementRetirement CalculatorSee if you are on track to retire and how long your money will last.

All calculators by topic

Every calculator on the site, grouped by the money question it answers.

Paycheck and taxes · 6

Salary and hours · 5

Home and mortgage · 5

Loans and debt · 5

Savings and bonds · 8

Retirement · 6

Everyday money · 3

Latest guides

Plain-English answers to common money questions, each worked out step by step with real numbers.

RetirementRoth vs. Traditional IRA in 2026The tax math that decides which account leaves you with more. Salary and hoursHow to Calculate Hours WorkedLunch breaks, decimal minutes and weekly totals, step by step. RetirementSocial Security COLA 2027What the cost-of-living adjustment means for your monthly check. Everyday moneyGas Prices 2026Why prices are above $4 and what it costs your budget each month. Salary and hoursHow Much Is a $1 Raise?Per month, per year and after taxes, with worked examples. Everyday moneyHow Much to Tip in 2026A complete U.S. tipping guide for restaurants, delivery and services.
See all guides →

How every calculator is built

Money decisions deserve numbers you can check. Every page on this site follows the same rules.

The formula is on the page

Every result comes with the exact formula and a step-by-step worked example.

Based on official rules

Tax, overtime, retirement and lending rules follow the IRS, the U.S. Department of Labor, the Social Security Administration and TreasuryDirect.

Reviewed and dated

Each page shows when it was last checked, and we update limits and brackets when the IRS or SSA announces new numbers.

Runs in your browser

The numbers you type are calculated on your device and are not sent to our server.

Common questions

Are these calculators free?

Yes. Every calculator and guide is free to use, with no sign-up and no limit on how many times you use them.

Do the calculators use 2026 numbers?

Yes. Tax brackets, the standard deduction, 401(k) and IRA limits, FICA rates and RMD rules are set to the figures the IRS and SSA published for 2026. Each page shows when it was last reviewed.

Do you store what I enter?

No. The math runs in your browser, and the numbers you type are not sent to or saved on our server. See our Privacy Policy for details.

Can I rely on the results for a big decision?

Use them to understand your options and check the math. Results are estimates, not financial, tax or legal advice, so confirm important numbers with your employer, lender or a qualified professional. Read our Disclaimer.

I found a mistake. How do I report it?

Email us from the Contact page with the calculator name and the numbers you entered, and we will check it.

Who runs FinRise Tools

FinRise Tools is an independent site of free financial calculators and guides, written and maintained by the FinRise Tools Editorial Team. We are not a bank, lender or financial adviser, and we do not sell financial products.

About us

Calculators are for educational purposes only and are not financial, tax or legal advice.