15+ Free Financial Calculators | Utilko
Free online financial calculators — mortgage calculator, compound interest, loan EMI, inflation, retirement, net worth, income tax, and salary calculators. No sign-up.
Free Financial Calculators Online
Personal finance decisions don't require an expensive advisor for every calculation. Utilko's free financial calculators give you the numbers you need to make informed decisions about loans, investments, retirement, and daily money management.
Home & Loans
- Mortgage Calculator — Calculate monthly mortgage payments, total interest, and amortization schedule for any home loan. Compare 15-year vs 30-year terms.
- EMI Calculator — Calculate Equated Monthly Installments for personal loans, car loans, and business loans.
Investing & Savings
- Compound Interest Calculator — See how your investments grow over time with compound interest. Compare different contribution amounts and return rates.
- Inflation Calculator — Calculate how inflation erodes purchasing power over time and what today's money will be worth in future dollars.
- Retirement Calculator — Estimate how much you need to save to retire comfortably based on your target age, income needs, and current savings.
- Net Worth Calculator — Calculate your net worth by tallying assets and liabilities to track your overall financial health.
Income & Tax
- Salary Calculator — Convert between hourly, weekly, monthly, and annual salary figures. Calculate take-home pay.
- Income Tax Calculator — Estimate your income tax liability and effective tax rate for financial planning.
Everyday Finance
- Tip Calculator — Calculate the right tip amount and split the bill among multiple people.
- Discount Calculator — Calculate final prices after percentage discounts, sale prices, and savings amounts.
- Gas Cost Calculator — Calculate the fuel cost for any trip based on distance, fuel efficiency, and gas price.
- Electricity Cost Calculator — Estimate monthly electricity costs for appliances and devices.
- Currency Converter — Convert between major world currencies for travel, international purchases, and freelance invoicing.
Featured Tools
Try these free tools directly in your browser — no sign-up required.
Mortgage Calculator
Calculate your monthly mortgage payment, total interest paid, and full amortization schedule. Enter loan amount, interest rate, and term to see complete repayment details.
Compound Interest Calculator
Calculate compound interest growth with monthly contributions. See how your savings or investments grow over time with daily, monthly, or annual compounding.
EMI Calculator
Calculate your Equated Monthly Installment (EMI) for home loans, car loans, and personal loans. View a full amortization schedule with interest breakdown.
Inflation Calculator
Calculate the effect of inflation on purchasing power. Find out how much a past dollar amount is worth today, or project future value of money at a given inflation rate.
Retirement Calculator
Calculate how much you need to retire comfortably. Enter your current savings, monthly contributions, expected returns, and retirement age to project your retirement nest egg.
Net Worth Calculator
Calculate your personal net worth by totaling your assets and subtracting your liabilities. Track your financial health with a clear snapshot of everything you own and owe.
Income Tax Calculator
Estimate your US federal income tax liability based on filing status and taxable income. See which tax brackets apply, effective tax rate, and estimated refund or amount owed.