Financial Calculators

Free interactive tools to plan, project, and understand every dimension of your financial future. Each calculator includes real-time charts, adjustable parameters, and instant results. No signup required.

19 calculators across 5 categories

Investing & Growth

Project how your investments grow over time with compound interest and dividend reinvestment.

Compound Interest Calculator

See how your money grows exponentially over time with the power of compounding. Adjust your starting amount, monthly savings, and expected return to visualize your wealth trajectory.

Investment Growth Calculator

Model how your investment portfolio could grow over time. Factor in regular contributions, expected market returns, and see the impact of different strategies.

Dividend Reinvestment Calculator

See how reinvesting dividends accelerates your portfolio growth. Compare the difference between taking dividends as cash vs. reinvesting them over time.

Wealth Building Calculator

Visualize how your net worth grows over time through consistent saving and investing. See the combined effect of income, expenses, and compound returns on your long-term wealth.

Savings & Goals

Plan for milestones — from emergency funds and home down payments to education and cars.

Savings Goal Calculator

Set a financial target and discover how much you need to save each month to reach it. Adjust your timeline, starting balance, and interest rate to find the right plan.

Emergency Fund Calculator

Calculate how large your emergency fund should be and how long it will take to build. Based on your monthly expenses, income, and savings rate.

House Down Payment Calculator

Calculate how much you need for a house down payment and how long it will take to save. Factor in home price, down payment percentage, and your savings rate.

Millionaire Calculator

Find out how long it will take you to reach $1,000,000. Adjust your starting savings, monthly contributions, and expected return rate to see your path to seven figures.

Education Savings Calculator

Plan for education costs — college tuition, private school, or professional development. See how much to save monthly and how your savings grow over time.

Car Affordability Calculator

Figure out how much car you can afford and how long it will take to save for a down payment. Based on your income, expenses, and savings rate.

Retirement & FIRE

Estimate your retirement readiness, FIRE number, and net worth trajectory.

Retirement Savings Calculator

Estimate how much you need to retire comfortably. Enter your current age, savings, and expected expenses to see if you're on track — and what adjustments could help.

Net Worth Calculator

Calculate your net worth by adding up your assets and subtracting your liabilities. Get a clear snapshot of your financial health and track your progress over time.

FIRE Calculator

Calculate your Financial Independence, Retire Early (FIRE) number. Find out how much you need and how long it will take based on your savings rate, expenses, and expected returns.

Expat Financial Forecast

See how exchange rate shifts affect your path to financial independence. Enter accounts in multiple currencies, adjust FX scenarios, and forecast your net worth over time.

Debt & Budgeting

Create payoff timelines, understand loan costs, and build a balanced budget.

Debt Payoff Calculator

Create a debt payoff plan. Enter your total debt, interest rate, and monthly payment to see when you'll be debt-free and how much interest you'll pay.

Loan Payment Calculator

Calculate your monthly loan payment for any loan type — mortgage, auto, personal, or student loan. See total interest paid and how the loan balance decreases over time.

50/30/20 Budget Calculator

Apply the popular 50/30/20 budgeting rule to your income. See how much should go to needs, wants, and savings — and compare it to your actual spending.

Financial Assessment

Evaluate your overall financial health with data-backed benchmarks from the Federal Reserve, CFPB, and more.

Financial Health Score

Take a 2-minute quiz to get your personalized financial health score across 5 key dimensions. All benchmarks are backed by data from the Federal Reserve, CFPB, Fidelity, and Vanguard.

Get personalized results with your real data

This calculator gives you a snapshot. With Wealthos you can track your actual wealth, simulate scenarios with real data, and forecast your financial goals.