ilovecalc
46 free finance calculators · 0 signups · 0 dark patterns

Every financial calculation
you need. Free.

From mortgage payments to investment returns — instant results, no signup, math you can audit.

46+Calculators
100%Free
NoSignup
Works offline
CALCULATORS

Pick a number, run it.

Every calculator below works the moment the page loads. Type a number, see the answer. No “Compute” button.

Real Estate
Mortgage Calculator
Calculate your monthly payment, total interest, and full amortization schedule. Free, instant, no signup.
$300k · 30yr · 7%$1,995/mo
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Real Estate
Home Affordability Calculator
Find out what home price you can actually afford based on income, debts, and down payment.
$120k incomeup to $480k
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Real Estate
Rent vs Buy Calculator
Compare the true cost of renting versus buying a home and find your break-even year.
5yr horizonBuy wins +$42k
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Real Estate
Down Payment Calculator
See how much to put down and how long it takes to save for it.
20% on $400k$80,000
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Real Estate
Refinance Calculator
Should you refinance? See your new payment, monthly savings, and break-even point.
6.5 → 5.875%Save $184/mo
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Real Estate
Property ROI Calculator
Calculate cap rate, cash-on-cash return, and ROI for a rental property.
$50k down8.2% cap rate
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Everyday Math
Percentage Calculator
Calculate percentages, percentage increase/decrease, and "what percent of" instantly.
20% of $80$16.00
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Everyday Math
Tip Calculator
Calculate the tip and split the bill across any number of people.
18% on $42$7.56
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Everyday Math
Discount Calculator
Find the sale price and amount saved after a percentage discount.
25% off $120$90.00
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Everyday Math
Sales Tax Calculator
Add state and local sales tax to any amount and see the total.
$50 + 8.25%$54.13
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Everyday Math
Split Bill Calculator
Split a check evenly or by share, with tip included.
$240 ÷ 4$60.00 ea
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Everyday Math
VAT Calculator
Add or remove VAT from any amount at any rate.
£100 + 20%£120.00
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WHY ILOVECALC

Three things, taken seriously.

Most “free” finance sites are funnels. ilovecalc is not. It's a tool — the kind you bookmark, not the kind you tolerate.

01
Instant.
Results update as you type.
No submit button, no spinner. The math runs in real time as you adjust inputs.
< 1 msper recalculation
02
Accurate.
Formulas verified against the textbook.
Every calculation is unit-tested against industry standards — mortgage tables, FRED rates, IRS schedules.
46calculators · all client-side
03
Private.
All math happens in your browser.
No inputs leave your machine. No tracking pixels on your numbers. Read the network tab — it stays empty.
0 bytessent to our servers