Free tools

Free financial calculators

Quick, no-signup calculators for budgeting, saving, and paying off debt — then track it for real in Lumi.

Compound Interest Calculator

See how your savings grow over time with monthly contributions and compounding returns.

Split your income into needs, wants, and savings with the popular 50/30/20 rule.

Find out how big your emergency fund should be and how much is left to save.

See how long it takes to reach a savings goal at your current monthly pace.

See how long it takes to clear a debt and how much interest you'll pay.

Estimate your financial-independence number and how many years until you can retire early.

Add up what your subscriptions really cost per month and year — and what that money could become instead.

Split shared expenses fairly — 50/50 or proportional to income. See exactly what each partner should contribute.

Work out the monthly payment, total cost, and interest on any personal or fixed-rate loan.

Add up your monthly expenses, see what's left to save, and check your savings rate at a glance.

Convert any wage between hourly, weekly, monthly, and annual pay in one place.

See what a sum of money will cost in the future and how much buying power it loses to inflation.

Find the sale price and how much you save with any percentage discount.

Add VAT to a net price or extract VAT from a gross price at any rate.

Calculate sales tax on a purchase and the final total you'll pay at checkout.

Calculate simple interest and the total value on a loan or deposit over time.

Estimate your car loan payment after down payment and trade-in, plus total interest.

See how much rent you can comfortably afford based on your income.

Compare your current debt with a single consolidation loan and see how much interest you could save.

Project your retirement savings and estimated monthly income from your contributions.

Calculate return on investment, net profit, and annualized return on any investment.