CalcNest

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Make smarter money
decisions with free
calculators

Mortgage payments, take-home pay, compound interest, FIRE number — 30+ professional tools, completely free, forever.

No account needed 2025 tax rates Works on any device

30+

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Every tool you need, in one place

Six calculator suites covering every major financial, educational, and everyday decision.

Mortgage Calculators

6 tools

Monthly Payment

Your exact PITI payment including taxes and insurance.

Home Affordability

Max home price based on income and 28/36 DTI rule.

Refinance Break-Even

Months to recoup refinancing closing costs.

PMI Removal Date

When you hit 20% equity and can cancel PMI.

Total cash needed at closing beyond the down payment.

Amortization Schedule

Full year-by-year principal vs. interest table.

Tax Calculators

4 tools

Net salary after federal, state, SS and Medicare taxes.

Self-Employment Tax

SE tax, quarterly estimates and true net freelance income.

Capital Gains Tax

Federal tax on short-term and long-term investment gains.

Correct withholding to avoid a surprise tax bill.

Investing Tools

5 tools

Compound Interest

Year-by-year growth with contributions and compound returns.

401(k) Calculator

Retirement balance with employer match and growth.

Tax-free retirement balance and savings vs. traditional.

How much you need to retire early using the 4% rule.

Annual dividend income and long-term portfolio growth.

Finance & Debt

4 tools

Extra payment savings shown side by side.

Debt Snowball vs. Avalanche

Which strategy saves more and pays off fastest.

Time to reach any target, or monthly contribution needed.

3–6 month safety net target and a plan to build it.

Education

4 tools

Grade point average from courses and credit hours.

Current average and final exam score needed to hit target.

Percentage Change

Increase, decrease, difference and percent of any number.

Length, weight, temperature, volume and area conversions.

Fun Tools

3 tools

Countdown Timer

Live countdown to any date in days, hours and seconds.

Customizable random decision spinner.

Date Calculator

Days between dates, add or subtract days from any date.

Why use CalcNest?

Every calculator on CalcNest uses the exact formulas that banks, lenders, the IRS, and financial planners use. Results are instant, always free, and require no account. Whether you are calculating a mortgage payment, figuring out your take-home pay, planning for early retirement with the FIRE number, or spinning a wheel to make a decision — enter your numbers and get your answer.

Our tax calculators are updated for 2025 federal income tax brackets, current long-term capital gains rates, and the 2025 Social Security wage base. Our mortgage tools use standard amortization math. Our investment calculators use monthly compounding for more accurate results.