Plan with clearer numbers
Financial calculators for every money decision
Explore 73 free calculators for mortgages, investing, retirement, taxes, debt, auto financing, and everyday financial planning. All in Silvia’s clear, decision-first style.
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Each page targets one question and one search intent, with its own inputs, explanation, and canonical URL.
73 free calculators
Mortgage Calculator
Estimate your monthly mortgage payment, property taxes, home insurance, HOA dues, and total interest.
Open calculatorMortgage & Real EstateAmortization Calculator
Calculate a loan payment and view how principal, interest, and the remaining balance change over time.
Open calculatorMortgage & Real EstateMortgage Payoff Calculator
See how an extra monthly payment may shorten your mortgage and reduce total interest.
Open calculatorMortgage & Real EstateHouse Affordability Calculator
Estimate an affordable home price using income, existing debt, down payment, rates, and housing costs.
Open calculatorMortgage & Real EstateRent Calculator
Estimate a monthly rent budget from income, recurring debt, savings goals, and other essential spending.
Open calculatorMortgage & Real EstateDebt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios for mortgage planning.
Open calculatorMortgage & Real EstateReal Estate Calculator
Project a property’s future value, mortgage balance, equity, and net sale proceeds over a planned holding period.
Open calculatorMortgage & Real EstateRefinance Calculator
Compare your current mortgage payment with a refinance and estimate the fee break-even point.
Open calculatorMortgage & Real EstateRental Property Calculator
Model rental income, expenses, financing, cap rate, and cash-on-cash return for an investment property.
Open calculatorMortgage & Real EstateAPR Calculator
Estimate a loan’s annual percentage rate after upfront lender fees and closing costs.
Open calculatorMortgage & Real EstateFHA Loan Calculator
Estimate an FHA-style mortgage payment including an upfront insurance premium and annual mortgage insurance.
Open calculatorMortgage & Real EstateVA Mortgage Calculator
Estimate a VA-style home loan payment with taxes, insurance, and any financed funding fee included.
Open calculatorMortgage & Real EstateHome Equity Loan Calculator
Estimate fixed monthly payments and interest for a lump-sum home equity loan.
Open calculatorMortgage & Real EstateHELOC Calculator
Estimate interest-only draw-period payments and fully amortizing repayment-period payments for a HELOC.
Open calculatorMortgage & Real EstateDown Payment Calculator
Compare a target down payment with your current savings and estimate the monthly amount needed to close the gap.
Open calculatorMortgage & Real EstateRent vs. Buy Calculator
Compare the estimated long-term cost of renting with buying a home, including ownership costs and equity.
Open calculatorAutoAuto Loan Calculator
Estimate a monthly car payment, total interest, and total financed cost.
Open calculatorAutoCash Back or Low Interest Calculator
Compare a vehicle cash-back incentive with a promotional low-rate loan.
Open calculatorAutoAuto Lease Calculator
Estimate a monthly vehicle lease payment from price, residual value, money factor, and lease term.
Open calculatorInvesting & SavingsInterest Calculator
Calculate compound growth from a starting balance, recurring contributions, rate, and time.
Open calculatorInvesting & SavingsInvestment Calculator
Project an investment balance and separate contributions from estimated growth.
Open calculatorInvesting & SavingsFinance Calculator
Solve a common time-value-of-money scenario using present value, recurring payment, rate, and term.
Open calculatorInvesting & SavingsCompound Interest Calculator
Estimate how compounding and regular contributions can grow savings over time.
Open calculatorInvesting & SavingsInterest Rate Calculator
Estimate the annual return required to grow a starting amount and contributions to a target balance.
Open calculatorInvesting & SavingsSavings Calculator
Forecast a savings balance using deposits, time, and an estimated annual yield.
Open calculatorInvesting & SavingsSimple Interest Calculator
Calculate simple interest on a principal balance without compounding.
Open calculatorInvesting & SavingsCD Calculator
Estimate the maturity value and interest earned on a certificate of deposit.
Open calculatorInvesting & SavingsBond Calculator
Estimate a bond’s price, annual coupon income, current yield, and yield-based present value.
Open calculatorInvesting & SavingsMutual Fund Calculator
Project a mutual fund balance after recurring contributions and annual expense-ratio drag.
Open calculatorInvesting & SavingsAverage Return Calculator
Compare arithmetic average return with compounded annual growth rate across multiple periods.
Open calculatorInvesting & SavingsIRR Calculator
Estimate the internal rate of return for a series of evenly spaced cash flows.
Open calculatorInvesting & SavingsROI Calculator
Calculate gain, return on investment, and annualized return from beginning and ending values.
Open calculatorInvesting & SavingsPayback Period Calculator
Estimate how long recurring cash inflows take to recover an initial investment.
Open calculatorInvesting & SavingsPresent Value Calculator
Discount a future lump sum back to its estimated value today.
Open calculatorInvesting & SavingsFuture Value Calculator
Compound a present lump sum forward to estimate its future value.
Open calculatorRetirementRetirement Calculator
Estimate retirement savings at retirement and compare them with a target based on planned annual spending.
Open calculatorRetirement401(k) Calculator
Project a 401(k) balance using employee contributions, employer match, time, and estimated return.
Open calculatorRetirementPension Calculator
Estimate an annual defined-benefit pension from salary, service years, and the plan multiplier.
Open calculatorRetirementSocial Security Calculator
Create a simplified 2026 Social Security retirement benefit estimate from average indexed monthly earnings and claiming age.
Open calculatorRetirementAnnuity Calculator
Estimate the future value of recurring annuity contributions plus an initial balance.
Open calculatorRetirementAnnuity Payout Calculator
Estimate a level monthly payout from an annuity balance over a chosen period.
Open calculatorRetirementRoth IRA Calculator
Project a Roth IRA balance and compare estimated tax-free qualified withdrawals with a taxable account illustration.
Open calculatorRetirementIRA Calculator
Project a traditional IRA balance and estimate an after-tax withdrawal value using an assumed future tax rate.
Open calculatorRetirementRMD Calculator
Estimate a required minimum distribution using the IRS Uniform Lifetime Table for an account owner.
Open calculatorTax & SalaryIncome Tax Calculator
Estimate 2026 U.S. federal income tax using filing status, the standard deduction, and taxable income assumptions.
Open calculatorTax & SalaryCapital Gains Tax Calculator
Estimate 2026 U.S. federal tax on a short-term or long-term capital gain using sale details, income, filing status, capital losses, and optional NIIT.
Open calculatorTax & SalarySalary Calculator
Convert an hourly, weekly, or annual pay rate into equivalent gross earnings across common pay periods.
Open calculatorTax & SalaryMarriage Tax Calculator
Compare a simplified 2026 federal tax estimate for two single filers with a married filing jointly estimate.
Open calculatorTax & SalaryEstate Tax Calculator
Create a simplified federal estate tax illustration from gross estate, deductions, exemption, and a marginal rate.
Open calculatorTax & SalaryTake-Home Paycheck Calculator
Estimate annual and per-paycheck take-home pay after federal income tax, payroll tax, and entered deductions.
Open calculatorDebt & LoansLoan Calculator
Estimate fixed loan payments, total interest, and total repaid.
Open calculatorDebt & LoansPayment Calculator
Calculate the recurring payment required to amortize a balance over a fixed term.
Open calculatorDebt & LoansCredit Card Calculator
Estimate how long a credit card balance takes to repay with a fixed monthly payment.
Open calculatorDebt & LoansCredit Card Payoff Calculator
Calculate the monthly payment needed to pay off a credit card by a target date.
Open calculatorDebt & LoansDebt Payoff Calculator
Estimate the payment, interest, and total cost needed to clear debt within a chosen timeline.
Open calculatorDebt & LoansDebt Consolidation Calculator
Compare current blended debt payments with a proposed consolidation loan and fee break-even.
Open calculatorDebt & LoansRepayment Calculator
Estimate how long a balance takes to repay using a fixed monthly payment.
Open calculatorDebt & LoansStudent Loan Calculator
Estimate standard student loan payments, total interest, and total repaid.
Open calculatorDebt & LoansCollege Cost Calculator
Project future college costs and estimate the monthly savings needed to fund a target share.
Open calculatorDebt & LoansBusiness Loan Calculator
Estimate fixed business loan payments and borrowing cost before lender-specific fees.
Open calculatorDebt & LoansPersonal Loan Calculator
Estimate a personal loan’s monthly payment, total interest, and total repaid.
Open calculatorDebt & LoansBoat Loan Calculator
Estimate monthly boat financing payments and total interest over the loan term.
Open calculatorEveryday FinanceCurrency Calculator
Convert an amount with a manually entered exchange rate for transparent scenario planning.
Open calculatorEveryday FinanceInflation Calculator
Estimate how inflation changes future prices and the purchasing power of today’s money.
Open calculatorEveryday FinanceSales Tax Calculator
Calculate sales tax and the final after-tax price, or reverse tax from a tax-inclusive total.
Open calculatorEveryday FinanceVAT Calculator
Add value-added tax to a net price and separate VAT from a gross price.
Open calculatorEveryday FinanceDepreciation Calculator
Estimate straight-line annual depreciation, accumulated depreciation, and book value.
Open calculatorEveryday FinanceMargin Calculator
Calculate gross profit, profit margin, and markup from revenue and cost.
Open calculatorEveryday FinanceDiscount Calculator
Calculate the dollar discount and final price after one or two percentage discounts.
Open calculatorEveryday FinanceLease Calculator
Estimate the equivalent monthly cost and total commitment for a general lease.
Open calculatorEveryday FinanceNet Worth Calculator
Calculate net worth by adding cash, investments, retirement accounts, property, and other assets, then subtracting mortgages and other debts.
Open calculatorEveryday FinanceBudget Calculator
Build a simple monthly budget and compare needs, wants, savings, and remaining cash flow.
Open calculatorEveryday FinanceCommission Calculator
Calculate commission earnings, gross pay, and the sales required to reach a commission target.
Open calculatorBrowse by financial goal
Mortgage & Real Estate
16 focused calculators
Auto
3 focused calculators
Investing & Savings
16 focused calculators
Retirement
9 focused calculators
Tax & Salary
6 focused calculators
Debt & Loans
12 focused calculators
Everyday Finance
11 focused calculators
Better estimates start with better assumptions
A calculator is a model, not a prediction. The most useful workflow is to test a base case, a conservative case, and an optimistic case. Then focus on which assumptions materially change the decision.
Silvia goes far beyond basic calculators. Connect your bank accounts and track your real estate, vehicles, investments, crypto, alternative assets, and more in one place. Then unlock personalized insights across your complete financial picture, 24/7.
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Financial calculator FAQs
What to know before using Silvia’s free planning tools.
Are Silvia’s financial calculators free to use?
Yes. All 73 financial calculators are free to use, and you do not need to create an account to explore them.
What types of financial calculators are available?
The collection covers mortgages and real estate, auto financing, investing and savings, retirement, taxes and salary, debt and loans, and everyday financial decisions.
How accurate are the calculator results?
Each result is an estimate based on the numbers you enter and the assumptions explained on that calculator’s page. Actual rates, fees, taxes, market returns, lender rules, and other real-world outcomes may differ.
Can I compare different financial scenarios?
Yes. Change the inputs to test a base case, a conservative case, and an optimistic case. Comparing scenarios can show which assumptions have the greatest effect on your decision.
How are tax rates and other time-sensitive assumptions handled?
Calculators that rely on dated rules identify the applicable year or methodology on the page. Because tax laws, benefit rules, rates, and limits can change, confirm current requirements with an authoritative source before making a decision.
Are these calculators financial advice?
No. The calculators are educational planning tools, not personalized financial, investment, tax, or legal advice. Consider speaking with a qualified professional about decisions specific to your situation.