Free financial calculators that show their work
Free tools for debt, home equity, business financing, taxes and benefits. Every calculator explains the formula, cites official sources, and runs privately in your browser.
No calculators match that search. Try a broader word like “loan” or “tax”.
Most popular
The calculators people use most this year.
Credit Card Payoff Calculator
Find your payoff date, total interest, and the payment needed to be debt-free by a target date.
Debt & CreditDebt Payoff Calculator: Avalanche vs Snowball
Build a month-by-month plan for all your debts and compare the avalanche and snowball methods.
Debt & CreditDebt-to-Income (DTI) Ratio Calculator
Calculate front-end and back-end DTI and see how lenders for mortgages and loans will view it.
Debt & CreditHELOC Payment Calculator
Estimate interest-only draw-period payments and the jump when repayment begins.
Home Equity & Real EstateMerchant Cash Advance Calculator
Convert an MCA factor rate into APR and see the daily or weekly payment.
Business FinancingSchedule 1-A Calculator: New Tax Deductions
Stack the tips, overtime, car loan interest and senior deductions and see your total tax savings.
Tax Deductions 2025–2026ACA Subsidy Calculator 2026
Estimate your 2026 premium tax credit and see if the 400% income cliff affects you.
Health & BenefitsIRMAA Calculator 2026
See your 2026 Medicare Part B and Part D premiums and how close you are to the next bracket.
Health & BenefitsDebt & Credit
Plan your way out of credit card and loan debt, compare avalanche and snowball strategies, and check the ratios lenders look at.
Credit Card Payoff Calculator
Find your payoff date, total interest, and the payment needed to be debt-free by a target date.
Debt Payoff Calculator: Avalanche vs Snowball
Build a month-by-month plan for all your debts and compare the avalanche and snowball methods.
Debt-to-Income (DTI) Ratio Calculator
Calculate front-end and back-end DTI and see how lenders for mortgages and loans will view it.
Credit Utilization Calculator
Check your overall and per-card utilization and how much to pay down to hit your target.
Balance Transfer Calculator
Find out if a 0% balance transfer card saves money after the transfer fee.
Debt Consolidation Calculator
Compare keeping your current debts with a consolidation loan, including origination fees.
Home Equity & Real Estate
Estimate HELOC payments and how much equity you can borrow, compare a cash-out refinance with a HELOC, and analyze rentals, BRRRR deals and DSCR loans.
HELOC Payment Calculator
Estimate interest-only draw-period payments and the jump when repayment begins.
Home Equity Calculator: How Much Can I Borrow?
See your equity and how much a lender may let you borrow at 80%, 85% or 90% CLTV.
Cash-Out Refinance vs HELOC Calculator
Compare the full cost of refinancing your mortgage vs keeping it and adding a HELOC.
DSCR Loan Calculator
Calculate the debt service coverage ratio lenders use for rental property loans.
Rental Property Calculator
Cash flow, cap rate, cash-on-cash return and DSCR for a rental property.
BRRRR Calculator
Buy, rehab, rent, refinance, repeat: cash left in the deal, cash flow and returns.
Business Financing
See the true cost of merchant cash advances, invoice factoring and equipment loans — converted to APR so you can compare offers.
Merchant Cash Advance Calculator
Convert an MCA factor rate into APR and see the daily or weekly payment.
Invoice Factoring Calculator
See your advance, fees, rebate and the effective annual cost of factoring an invoice.
Equipment Loan Calculator
Estimate monthly payments, total interest and year-one tax savings on equipment financing.
Tax Deductions 2025–2026
Estimate the new federal deductions for tips, overtime, car loan interest and seniors created by the 2025 tax law, with your real tax savings.
Schedule 1-A Calculator: New Tax Deductions
Stack the tips, overtime, car loan interest and senior deductions and see your total tax savings.
Car Loan Interest Deduction Calculator
Estimate the new up-to-$10,000 deduction for new-car loan interest (2025–2028).
No Tax on Overtime Calculator
Work out your qualified overtime and the federal tax the new deduction saves.
No Tax on Tips Calculator
Estimate the deduction for qualified tips (up to $25,000) and your tax savings.
Senior Deduction Calculator ($6,000)
Estimate the new $6,000 deduction for people 65 and older, after the income phase-out.
Health & Benefits
Estimate your 2026 ACA premium tax credit, Medicare IRMAA surcharges and Social Security disability (SSDI) back pay.
ACA Subsidy Calculator 2026
Estimate your 2026 premium tax credit and see if the 400% income cliff affects you.
IRMAA Calculator 2026
See your 2026 Medicare Part B and Part D premiums and how close you are to the next bracket.
SSDI Back Pay Calculator
Estimate Social Security disability back pay, the waiting period and attorney fee.
Guides
Plain-English explanations of the rules behind the numbers.
Approved for SSDI: Back Pay, Medicare and What Happens Next
You won your disability claim. When back pay arrives, how the lawyer’s fee is paid, when Medicare starts, benefits for your family, taxes and reviews.
Debt & CreditBalance Transfer vs. Personal Loan: Which Is Better for Credit Card Debt?
A 0% balance transfer can be nearly free — or cost more than a loan if you miss the deadline. Compare real numbers and find the right fit for your debt.
Home EquityCap Rate vs. Cash-on-Cash Return: How to Analyze a Rental Property
Cap rate measures the property; cash-on-cash measures your deal. Learn both, how financing changes them, and the expense assumptions that make or break a rental.
Debt & CreditDebt Avalanche vs. Debt Snowball: What the Math and the Research Say
The avalanche saves the most interest; the snowball keeps more people going. See the real dollar difference, what studies found, and a step-by-step plan.
Home EquityDSCR Loans Explained: How Real Estate Investors Qualify Without Tax Returns
DSCR loans qualify rental properties on rent instead of your income. How the ratio is calculated, typical requirements, costs, and how to compare lenders.
BusinessFactor Rate vs. APR: How to Compare Merchant Cash Advance Offers
A 1.3 factor rate sounds like 30% interest, but over six months it is more than 100% APR. Here is how to convert factor rates and compare offers fairly.
Why people trust Calcvera
Financial decisions deserve more than a black-box number. Here's how we build every tool.
Transparent formulas
Each page shows the exact formula and a worked example, so you can check the math yourself.
Official sources
Tax, Medicare and ACA figures come from the IRS, CMS, HHS and SSA, with links on every page.
Private by design
Calculations run in your browser. We never ask for your name, email or account details.
Kept up to date
Pages show when they were last reviewed, and figures are updated as new rules take effect.