Mortgage rates
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Free financial calculators
Smarter money decisions start with the right numbers
Plan a home purchase, pay down debt, grow your savings and understand your taxes with eighty-eight free calculators and plain-English FinTalks guides. Every formula is shown, every assumption is listed, and nothing is hidden behind an account.
Mp MortgageCr DebtCi SavingsIr InvestingRk RetirementTb Tax
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Market snapshot
Today's Rates
National averages and reference rates from public sources, with the trend behind each number.
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Treasury yields
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Why it matters: 30-year mortgage rates tend to move with the 10-year Treasury yield.
U.S. Treasury constant-maturity yields via FRED, Federal Reserve Bank of St. Louis.
See what a yield earns over time →Figures are national averages or reference rates from the sources named on each card and may be a day or more old. Your actual rate depends on your lender, location, credit profile and loan details. Past movements do not predict future rates. This is general information, not an offer of credit or financial advice. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
The periodic table of financial calculators
Eighty-eight calculators, nine families
Every calculator on SmartFinClub is an element in one table. Columns group related questions, rows run from everyday tools to specialist ones, and the colour tells you the family. Pick a tile to open the calculator, or choose a family to light up its tiles. Tiles with a heavy outline are new this month.
Key
Hover or tap a tile
Each tile shows its number, an icon, a short symbol and the calculator name. Hover over any tile to read what the calculator does.
88 calculators
9 families
36 new this month
9 families
36 new this month
Mortgage & Housing
Debt & Credit
Savings & Banking
Investing
Retirement
Tax & Income
Business & Self-Employed
Planning & Budgeting
Insurance & Protection
1MpMortgage Payment 2SeSelf-Employment Tax 3HaHome Affordability 4HeHELOC Payment 5AaAsset Allocation & Rebalancing 6RiRoth IRA Income Limit 7SwSafe Withdrawal Rate 8HsHome Sale Capital Gains 9NoNo Tax on Overtime Deduction 10BeBreak-Even & Profit Margin 11RbRent vs. Buy 12PmPMI Removal 13Rk401(k) & Retirement Growth 14ApAnnuity Payout 15TbTax Bracket 16HcHSA Contribution 17MtMarriage Tax Penalty 18NwNet Worth 19ReRefinance Break-Even 20MoMortgage Points 21RpRental Property 22MaMortgage Affordability by Income 23MrMortgage Payoff & Biweekly 24CrCredit Card Payoff 25AlAuto Loan 26BtBalance Transfer Savings 27CaCar Loan Interest Deduction 28CiCompound Interest 29CdCD & CD Ladder 30R7Rule of 72 31FiFIRE Number 32RoRoth IRA Growth 33ThTake-Home Pay 34HuHourly to Salary 35BsBusiness & SBA Loan 36EfEmergency Fund 37CcClosing Cost 38DpDown Payment Savings 39SnSeller Net Proceeds 40FlFHA Loan 41Ym15 vs 30-Year Mortgage 42DsDebt Snowball 43DiDebt-to-Income Ratio 44LcLoan Comparison 45StStudent Loan Refinance & Forgiveness 46IiInflation Impact 47TaTrump Account Growth 48DyDividend Yield & DRIP 49RtRoth vs. Traditional IRA 50RsRetirement Savings Needed 51TrTax Refund & Withholding 52SdSenior $6,000 Deduction 53WxW-2 vs. 1099 54MmMillionaire Milestone 55AsAmortization Schedule 56PtProperty Tax Estimator 57HoHome Equity Loan 58AfARM vs Fixed Mortgage 59DaDebt Avalanche 60SlStudent Loan Payoff 61TcTrue Cost of Car Ownership 62CeCredit Card Interest & Minimum Payment 63CsCollege Savings (529) 64AyAPR vs APY 65CgCAGR & IRR 66RmRequired Minimum Distribution 67PePension Lump Sum vs Monthly 68CpCapital Gains Tax 69SpState Paycheck (top 10 states) 70FqFreelancer Quarterly Tax 71LiLife Insurance Needs 72EmExtra Mortgage Payment 73RaRent Affordability 74CoCash-Out Refinance 75VlVA Loan 76PlPersonal Loan 77DcDebt Consolidation 78ClCar Lease vs. Buy 79AuAuto Loan Refinance 80HyHigh-Yield Savings / APY 81IrInvestment Return 82DlDCA vs Lump Sum 83SsSocial Security Benefit Estimator 84SoSocial Security Break-Even Age 85RcRoth Conversion 86NtNo Tax on Tips Deduction 87SkSolo 401(k) vs. SEP-IRA 88EtEstate Tax & InheritanceComing soon
Coming soonScheduled for later releases
?Disability Insurance
?Home Insurance
?Auto Insurance
?Umbrella Policy
?Long-Term Care Cost
?Medicare IRMAA
?Social Security Spousal
?Retirement Health Costs
?Mortgage Recast
?Mortgage vs Invest
?Child Tax Credit
?Gift Tax
?Cost of Living Compare
?College Cost Planner
On demand
On demandYou choose what we build next
?Bond Price & Yield
?Options Profit & Loss
?Crypto Gain Tax
?Rental Depreciation
?1031 Exchange
?Reverse Mortgage
?Annuity vs Bond Ladder
?Stock Option (ISO) Tax
?RSU Tax
?Student Loan IDR Plans
?Divorce Asset Split
?Inheritance Cost Basis
?Household Employer Tax
?Business Valuation
Missing a calculator? Tell us which one to build next, or search all 88 calculators below.
Most used calculators
A good place to start if you are not sure which question you are asking.
All eighty-eight calculators
Search by name or by what you are trying to work out — mortgage, debt, tax, retirement, savings, credit.
Mortgage & Housing · 23 calculators
Debt & Credit · 16 calculators
Savings & Banking · 7 calculators
Investing · 6 calculators
Retirement · 12 calculators
Tax & Income · 13 calculators
Business & Self-Employed · 6 calculators
Planning & Budgeting · 3 calculators
Insurance & Protection · 2 calculators
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How it works
Five steps, no sign-up
Nothing here requires an account until you want a report to keep.
- Choose a calculator. Search above or browse by category.
- Enter your information. Sensible defaults are already filled in, so you can start by changing one number.
- Read the results. A headline figure, supporting metrics, charts and a plain-English explanation of what the numbers show.
- Open Advanced. Adjust the assumptions that matter — rates, inflation, fees, tax treatment — and watch how much the answer moves.
- Download a free report. A formatted PDF with your inputs, assumptions, results and charts, generated in your browser.
Why these calculators are different
Most financial calculators give you a number. These try to give you an understanding.
The formula is on the page
Every calculator writes out the mathematics it uses, with a worked example. If you want to check the result by hand, you can.
Assumptions are listed, not buried
Each result carries an explicit list of what was assumed — the interest rate, the inflation rate, the tax year, what was left out. You can disagree with any of them and change it.
Limitations are stated plainly
Where a model is simplified, it says so in the results rather than hoping you do not notice. A tool that overstates its precision is worse than no tool.
Basic and Advanced modes
Start with four or five inputs. Open Advanced when you want to model PMI, tax drag, fees, biweekly payments or state-specific figures — and every advanced input genuinely changes the result.
Nothing you type is sent to us
Calculations and PDF generation both run entirely in your browser. Your income, balances and tax figures never reach a server.
Tax figures carry their year
Every tax calculator shows which tax year it is using and where the thresholds come from. Outdated tax data is the most dangerous thing a calculator can hide.
Optional
Want to talk it through with someone?
The calculators are free and always will be. If you would like a paid conversation about your own situation, you can request a consultation. We will tell you honestly whether we can help before taking anything.
Any potential savings depend on your individual circumstances, eligibility, applicable laws, and the strategies available to you. Nothing is guaranteed, and we do not claim otherwise.
- A SmartFinClub consultation is an educational discussion, not regulated investment advice.
- Pricing and scope are set out in full before you commit to anything.
- If your question needs a licensed professional — a CPA, an attorney, an adviser — we will say so.
- Please do not send account numbers, Social Security numbers or passwords.
Free financial calculators for every money decision
SmartFinClub is a free set of 88 financial calculators with plain-English guides. Pick the family you are working on, run the numbers with your own figures, and see exactly how each result is calculated.
Mortgage & Housing
Work out a payment, test what you can afford, compare loan types and see when refinancing or paying extra pays off.
Try the mortgage payment, mortgage affordability, FHA loan, rent vs. buy.
See all 23 →Debt & Credit
Compare payoff plans, see what a balance really costs and decide whether to consolidate or refinance.
Try the debt snowball, credit card payoff, student loan refinance, auto loan.
See all 16 →Savings & Banking
See what your cash earns, build a CD ladder and understand how inflation and compounding change the answer.
Try the high-yield savings, CD ladder, compound interest, Trump account.
See all 7 →Investing
Project growth, rebalance a portfolio and compare ways of putting money to work.
Try the investment return, rebalancing, DCA vs. lump sum, dividend yield.
See all 6 →Retirement
Find out how much you need, how fast you can draw it down, and when to claim Social Security.
Try the retirement savings needed, safe withdrawal rate, Social Security break-even, Roth IRA limits.
See all 12 →Tax & Income
Estimate take-home pay, find your bracket and check the new federal deductions.
Try the take-home pay, tax bracket, no tax on tips, senior deduction.
See all 13 →Business & Self-Employed
Put a number on self-employment tax, 1099 vs. W-2 pay and what a small business has to earn to break even.
Try the self-employment tax, W-2 vs. 1099, quarterly taxes, break-even.
See all 6 →Planning & Budgeting
Track net worth, size an emergency fund and see how long a first million takes.
Try the net worth, emergency fund, millionaire milestone.
See all 3 →Insurance & Protection
Estimate how much life insurance your family needs and what an estate could owe in tax.
Try the life insurance needs, estate tax.
See all 2 →The FinTalks guides explain the ideas behind the numbers. Results are estimates for education, not financial advice.
Frequently asked questions
Yes. Every calculator is free to use, with no account required, no usage limit and no paywall. Registering — which is optional — unlocks downloadable PDF reports and nothing else. Registration is not a financial account: no password is created and no financial data is stored.
No. Every calculation runs entirely in your browser, and so does PDF generation. The figures you type never reach our servers. The only information we receive is what you deliberately submit through the registration, contact or consultation forms. We do use Google Analytics to see which calculators get used, but it receives page views and a handful of named actions only — never a number you entered. Our Privacy Policy sets this out in full.
The mathematics is exact — the same formulas a lender or a tax return uses, written out on each calculator's page so you can check them. The accuracy of the answer depends on your inputs and assumptions. Anything involving a future return, future inflation or a future tax rate is a projection, and each calculator states its assumptions and what it leaves out.
From the IRS inflation adjustments published for each tax year, stored in a single data file with source notes. Every tax calculator shows the tax year it is using, and you can switch years where more than one is available. Where a rule is modelled in a simplified way — the qualified business income deduction above the threshold, for example — the calculator says so in its results.
No. These are educational tools that produce estimates from the information you enter. They do not know your circumstances, they do not account for everything that would affect a real decision, and they are not a substitute for a professional who does. See the Financial Disclaimer.
Yes. Every page is built to work from 320 pixels upwards, with tables that scroll, charts that resize and inputs sized for touch. Nothing requires a desktop.
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