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Money calculator collection

Free money and savings calculators

Get direct answers for interest growth, monthly saving, debt payoff, emergency funds, APY, savings rate and budgeting.

Loan Payment CalculatorCalculate a fixed loan payment, payoff time, total interest, and savings from an optional extra monthly payment.MoneyAmortization Calculator with Extra PaymentsCalculate loan amortization, first-payment principal and interest, payoff time, and savings from extra monthly payments.MoneyMortgage Overpayment CalculatorEstimate how a lump sum or recurring mortgage overpayment may change payoff time, interest, and the remaining balance.MoneyBiweekly Mortgage CalculatorCompare normal monthly mortgage payments with accelerated biweekly payments and estimate payoff and interest savings.MoneyDebt-to-Income Ratio CalculatorCalculate housing and total debt-to-income ratios from gross monthly income and recurring monthly debt payments.MoneyCredit Card Payoff CalculatorEstimate credit-card payoff time, total interest, and the effect of new monthly charges or an annual fee.MoneyDebt Snowball CalculatorCalculate a debt snowball payoff order, debt-free timeline, and estimated interest for three debts.MoneyDebt Avalanche CalculatorCalculate a debt avalanche payoff order, debt-free timeline, and estimated interest for three debts.MoneyCD CalculatorEstimate certificate-of-deposit value at maturity and interest earned from deposit, APY, and term.MoneyFuture Value CalculatorCalculate the future value of one present amount using rate, time, and compounding frequency.MoneyRule of 72 CalculatorEstimate doubling time with the Rule of 72 and compare it with the exact annual-compounding result.MoneySinking Fund CalculatorCalculate the monthly amount needed for a planned expense using target, current savings, time, and optional APY.MoneyCompound Interest CalculatorCalculate compound interest with an initial balance, regular monthly contributions, annual rate, time, and compounding frequency.MoneySimple Interest CalculatorCalculate simple interest, total value, and annual interest using principal, rate, and time.MoneyDebt Payoff CalculatorEstimate a debt payoff date, number of monthly payments, and total interest from balance, APR, payment, and extra payment.MoneyEmergency Fund CalculatorEstimate an emergency-fund target from essential monthly expenses and calculate how long your current saving rate may take.Money50/30/20 Budget CalculatorSplit monthly take-home income into needs, wants, and savings or debt using the 50/30/20 budgeting guideline.MoneySavings Rate CalculatorCalculate the percentage of take-home income saved each month and the amount needed to reach a target savings rate.MoneyAPY CalculatorConvert a nominal annual interest rate into APY and estimate one-year earnings by compounding frequency.MoneyMonthly Savings CalculatorProject how monthly deposits may grow over time and separate contributions from estimated interest.MoneySavings Goal CalculatorFind the weekly or monthly amount needed to reach a target by a chosen date.Money

How ToolGemini money calculators work

Each calculator gives the numerical answer first, followed by the inputs, formula, assumptions and interpretation. Results run privately in your browser and do not require an account.

Use estimates as a planning starting point

Rates, fees, taxes, lender rules and personal circumstances can change real outcomes. Compare calculator results with current account terms or a qualified professional before making an important decision.

Connect habit savings to a money goal

Use the smoking cost calculator or vaping cost calculator, then move the amount into the savings goal calculator to create a measurable target.

Popular planning calculators

Model long-term growth with the compound interest calculator, compare payoff methods with the debt snowball calculator, or build a simple plan with the 50/30/20 budget calculator.