All calculators
Search or filter by topic.
Monthly payment with taxes, insurance, PMI and a full amortization schedule.
Monthly payment, total interest and true cost including origination fees.
Car payment with trade-in, down payment and sales tax.
Watch savings grow with monthly deposits and compounding.
Project your retirement savings and the income they could support.
Split take-home pay into needs, wants and savings.
Compare paying smallest balance first against highest rate first.
Maximum home price using 28/36 debt-to-income rules.
How many months until refinancing pays for itself.
Minimum payments vs a fixed monthly payment.
Home
Buying, borrowing against and refinancing a home.
Debt & loans
Pay off what you owe faster and for less.
Monthly payment, total interest and true cost including origination fees.
Car payment with trade-in, down payment and sales tax.
Compare paying smallest balance first against highest rate first.
Minimum payments vs a fixed monthly payment.
Savings & retirement
Grow savings and plan the retirement you want.
Budget
Give every dollar of take-home pay a job.
We show the math
- Standard formulasThe same amortization and compounding math lenders and planners use.
- Every assumption listedEach page says what is and isn't included, so there are no hidden surprises.
- Runs on your deviceNo accounts, no tracking of your inputs, nothing to sell.
- Plain EnglishEach result comes with a short explanation of what it means for you.
Frequently asked questions
Are ClearSums calculators really free?
Yes. There's no signup, no paywall and no account. Every calculator is free to use as often as you like.
Do you store the numbers I enter?
No. All calculations run in JavaScript in your own browser. Your inputs are never sent to our servers.
How accurate are the results?
We use the standard formulas lenders and planners use, and we list every assumption on each page. Results are estimates; your lender's documents are the final word.
Is this financial advice?
No. ClearSums is an educational tool to help you understand the numbers. For personal advice, speak to a qualified professional.