Debt Payoff Calculator
Your debt-free date, total interest and payoff order — snowball vs avalanche, side by side.
Open calculator13 free tools · no sign-up
Free personal finance calculators
Work out your debt-free date, a savings plan, your real take-home pay or the profit on a product in seconds. Every calculator runs privately in your browser, and you can save, print, share or download any result as a PDF or CSV.
Debt payoff
See your debt-free date and the true cost of what you owe.
Credit Card Payoff Calculator
Months to pay off a card, total interest, and the payment needed to be debt-free by a date.
Open calculatorDebt-to-Income Ratio Calculator
Your DTI ratio as lenders see it, with the 36% and 43% limits explained.
Open calculatorSaving & growing money
Plan savings goals, challenges and long-term growth.
Savings Goal Calculator
How much to save each month to hit a goal by a date — or when you'll reach it.
Open calculator52-Week Savings Challenge Calculator
Your weekly 52-week challenge chart with dates — classic, $5, reverse or goal-based.
Open calculatorCompound Interest Calculator
Future balance with monthly contributions, chart and year-by-year table.
Open calculatorBudget & income
Turn your paycheck into a plan you can actually follow.
Budget Calculator (50/30/20)
Split take-home pay into needs, wants and savings with the 50/30/20 rule.
Open calculatorTake-Home Pay Calculator
Your paycheck after federal tax, FICA, state tax, 401(k) and benefits — 2026 estimate.
Open calculatorRent Affordability Calculator
How much rent you can afford — 30% rule, 40× income rule and your debts.
Open calculatorSubscription Cost Calculator
Your monthly and yearly subscription total, biggest costs first, and the 10-year cost.
Open calculatorSmall business & landlords
Pricing, tax and rental numbers for people who work for themselves.
Profit Margin Calculator
Profit, margin and markup after fees — or the price to charge for a target margin.
Open calculatorSelf-Employment Tax Calculator
SE tax, income tax and quarterly payments — how much of your profit to set aside.
Open calculatorRental Property Calculator
Cash flow, cap rate, cash-on-cash return and DSCR for a rental property.
Open calculatorBuilt in to every calculator
Save it, print it, scan it to open it again
Every result can be kept. Save a calculation in your browser, share a link that reopens it, or print a clean report — it has a QR code at the top, so scanning it with your phone brings back the exact numbers. PDF and CSV downloads are one tap away.
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Save in your browser
Name a calculation and reopen it any time from “Saved calculations”.
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Share a link
The link carries your inputs, so it opens the same calculation anywhere.
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Print with a QR code
A one-page report with your inputs, results and schedule — scan the QR code to reopen it.
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PDF & CSV downloads
Keep a PDF for your records or open the numbers in Excel or Google Sheets.
Take it further
A calculator answers once. An app keeps the answer up to date.
These calculators come from the same maths as the VaultlyApps planners. When you want the numbers to update as you log payments, savings and bills, try an app's free live demo — it runs in your browser with sample data.
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Vault free demo
Personal Finance Dashboard
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Flow free demo
ADHD Budget Planner
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Zero free demo
Debt Payoff Planner
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Nest free demo
Savings Challenge Tracker
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RentRoll free demo
Landlord Dashboard
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Pulse free demo
Bill & Subscription Tracker
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Till free demo
Small Business Profit Planner
The calculators give estimates for education and planning. They are not financial, tax or legal advice — check important decisions with a qualified professional.