These free financial calculators help you run the numbers on your own money in seconds. Pick a tool below, enter your figures, and get clear results with tips on what to do next.

Free Financial Tools & Calculators | GenzWealth
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Financial Calculators
Built for Your Generation

15 free tools to help you budget, invest, pay off debt, plan for retirement and build wealth. No sign-up. No fluff.

15
Free Tools
8
Categories
100%
Free Forever
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No tools found in this category.
💰 Personal Finance 3 tools
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Personal Finance

Budget Calculator

Enter your income and expenses to see where your money goes, your savings rate, and daily spending limit.

Most Popular
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Personal Finance

Net Worth Calculator

Add up everything you own and subtract everything you owe. Know your real financial position right now.
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Personal Finance

Savings Goal Calculator

Find out exactly how much to save per month to hit any financial goal by your target date.
💳 Credit & Loans 3 tools
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Credit & Loans

Loan Repayment Calculator

See your monthly payment, total interest, and how extra payments can cut months off your loan.
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Credit & Loans

Credit Card Payoff Calculator

Find out how long to pay off your card and the true cost of carrying a balance at your current APR.

Eye-opener
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Credit & Loans

Credit Score Simulator

See how 12 common actions — like paying off a card or missing a payment — could move your credit score.
🏠 Real Estate 2 tools
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Real Estate

Mortgage Calculator

Estimate your full monthly mortgage payment — principal, interest, property tax, insurance and PMI included.
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Real Estate

Rent vs Buy Calculator

The honest numbers behind one of the biggest financial decisions you will ever make. No sugarcoating.
📈 Investing 2 tools
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Investing

Compound Interest Calculator

See how your money grows over time when you invest consistently. The power of compounding made visual.

Must Try
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Investing

FIRE Calculator

Find your Financial Independence number and how many years it will take to retire early at your savings rate.
⚡ Gig Finance 2 tools
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Gig Finance

Side Hustle Income Tracker

Track all your income streams in one place. See your gross, tax estimate and real annual take-home.
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Gig Finance

Freelance Tax Estimator

Estimate your quarterly tax bill, monthly set-aside amount, and real take-home as a self-employed worker.

Underrated
🎓 Student Finance 1 tool
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Student Finance

Student Loan Payoff Calculator

See your exact payoff date, total interest paid, and how much extra payments can save you over your loan term.

Gen Z Essential
₿ Crypto 1 tool
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Crypto

Crypto Profit Calculator

Calculate profit, loss, ROI, trading fees and tax liability on any Bitcoin or altcoin trade instantly.
🛡️ Insurance 1 tool
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Insurance

Insurance Cost Estimator

Find out what insurance you actually need and what to budget for it based on your age and life situation.

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How to get the most from our free financial calculators

Start with the Budget Calculator to see where your money goes, then use the Savings Goal and Net Worth calculators to set targets. If you have debt, the Credit Card Payoff and Loan Repayment calculators show how extra payments save interest. All of our free financial calculators work with any currency, including dollars, pounds and naira. Results are estimates; for official guidance, see the Consumer Financial Protection Bureau or MoneyHelper.