Free money calculators that show the math

Simple, honest calculators for everyday money decisions. Everything runs in your browser — nothing you type is sent anywhere or stored.

Debt Payoff CalculatorCompare the snowball and avalanche methods side by side, with a month-by-month schedule and chart. Monthly Budget CalculatorCheck your spending against the 50/30/20 rule using your own categories. Savings Goal CalculatorSee how long a goal will take, or how much to save each month to hit a date. Credit Card Payoff CalculatorSee what minimum payments really cost compared with a fixed monthly payment.

Why these calculators

Most money questions come down to a few pieces of arithmetic: how interest grows, how payments shrink a balance, and how a monthly habit adds up. The arithmetic isn't hard, but doing it by hand for 40 months of payments is tedious, and many online tools hide the math behind sign-up walls or push you toward a loan offer. PlainMoney keeps it plain: you enter your numbers, you see the result and how it was reached, and you decide what to do with it.

How we keep the numbers honest

Each calculator uses standard formulas — monthly compounding at your APR divided by 12, payments applied after interest, and balances carried forward month by month. We test every calculator against hand-worked examples (for instance, a $1,000 balance at 12% APR paid at $100 a month takes 11 payments and costs $58.98 in interest). Each page explains its assumptions so you know where real-world results can differ, such as daily interest calculation, fees, or rate changes.

Your privacy

The calculators work entirely on your device. We don't ask for your name, email, or account details, and the figures you enter are never sent to our server. Read our privacy policy for details on cookies and advertising.

Estimates only, not financial advice. Results assume a fixed interest rate, payments made on time each month, no new charges or fees, and interest compounded monthly. Your lender's actual figures may differ. See our disclaimer.