Free, accurate personal finance calculators
Multi-variable calculators that give you a real, personalized answer — payoff schedules, break-even points, and side-by-side comparisons, not just a single number. Your inputs never leave your device.
Mortgage
View all mortgage →Pay your home loan off faster and see exactly what each strategy saves.
Mortgage Payoff (Extra Payments)
See how extra monthly or one-time payments cut years off your mortgage and slash total interest, with a full side-by-side amortization comparison.
Bi-Weekly Mortgage Savings
Compare bi-weekly vs monthly mortgage payments and see the interest and time you save by making 26 half-payments a year.
Mortgage Points Break-Even
Compare buying discount points vs keeping the higher rate: both monthly payments, the exact break-even month, and net savings if you hold the loan full term.
PMI Removal
Find the month your loan reaches 80% LTV so you can request PMI cancellation, the 78% automatic-termination month, and the total PMI paid until each.
Debt Payoff
View all debt payoff →Snowball, avalanche, and credit-card strategies compared side by side.
Debt Snowball
Pay off your smallest balances first for fast motivating wins. See your full payoff timeline and total interest.
Debt Avalanche
Target your highest-interest debt first to minimize interest. Compare avalanche vs snowball savings instantly.
Credit Card Payoff
See how long it takes to clear your card and the total interest — or set a payoff deadline and get the payment you need.
Debt Consolidation
Compare your current debts against a single consolidation loan side by side: monthly payment, months to debt-free, and total interest plus fees for each path.
FIRE & Retirement
View all fire & retirement →Find your number, your Coast FIRE point, and your years to financial independence.
Loans & Refinance
View all loans & refinance →Early payoff schedules and refinance break-even analysis.
Refinance Break-Even
Find out how many months it takes to recoup your closing costs after refinancing, and your true lifetime savings.
Extra-Payment Loan Payoff
Add extra principal to any loan and see your new payoff date, interest saved, and a complete amortization schedule.
Amortization Schedule
Build the full amortization schedule for any fixed-rate loan: monthly payment, year-by-year principal and interest breakdown, and a complete month-by-month table.
Housing Decisions
View all housing decisions →The big buy-or-not decisions: rent vs buy, lease vs buy.
Income & Pay
View all income & pay →Translate salary, hourly pay, and time off into real take-home math.
Salary to Hourly
Convert annual salary to an hourly rate and back, accounting for hours per week, weeks worked, and paid time off.
Hourly to Annual Salary
Turn an hourly rate into annual, monthly, bi-weekly, and weekly gross pay — including overtime hours, your OT multiplier, and unpaid weeks off.
Pay Raise
See what a raise is really worth: enter a percentage or dollar amount and get your new pay per year, month, paycheck, and week — plus the extra income over time.
Why CalcRay
Accurate by design
Standard, well-established finance formulas — openly documented in our methodology so you can check our work.
Private by default
No accounts, no logins, no tracking of your inputs. Every calculation runs entirely on your own device.
Genuinely useful
Scenario tools that show schedules, charts, and break-even points — so you understand the decision, not just the number.
CalcRay is for education and planning. It is not financial, tax, or legal advice.