Straightforward money calculators.
No sign-up, no email required. Every calculator on ClearSum shows its math and its assumptions, right on the page.
Most popular calculators
Budget Calculator (50/30/20)
See a recommended needs/wants/savings breakdown for your take-home pay.
Mortgage Calculator
Monthly payment including principal, interest, taxes, insurance, PMI, and HOA.
Paycheck Calculator
Estimate your take-home pay after federal tax, FICA, and 401(k) contributions.
Mortgage Payoff Accelerator
See how much extra to pay each month to turn a 30-year mortgage into a 15-year one — and what it saves.
Credit Card Minimum Payment Calculator
See how long paying only the minimum really takes, and what a fixed payment would save.
Can I Afford to Move Out?
See if your take-home pay covers rent, your other expenses, and savings — and what's left over.
Mortgage Calculator
Monthly payment including principal, interest, taxes, insurance, PMI, and HOA.
Open the Mortgage Calculator →Social Security Estimator
See how claiming at 62 vs. full retirement age vs. 70 changes your monthly benefit.
Open the Social Security Estimator →Paycheck Calculator
Estimate your take-home pay after federal tax, FICA, and 401(k) contributions.
Open the Paycheck Calculator →Auto Loan Calculator
Monthly car payment including trade-in value and estimated sales tax.
Open the Auto Loan Calculator →Debt Payoff Calculator
How long a fixed monthly payment takes to clear a credit card or loan balance.
Open the Debt Payoff Calculator →Compound Interest Calculator
Project how savings or investments grow with regular monthly contributions.
Open the Compound Interest Calculator →Dividend Reinvestment (DRIP) Calculator
See how much reinvesting dividends adds to a stock position over time vs. taking the cash.
Open the DRIP Calculator →Tip & Bill Split Calculator
Tip amount and per-person total for splitting a restaurant bill.
Open the Tip & Bill Split Calculator →Net Worth Calculator
Add up your assets and liabilities to see your current net worth.
Open the Net Worth Calculator →Budget Calculator (50/30/20)
See a recommended needs/wants/savings breakdown for your take-home pay.
Open the Budget Calculator →Credit Card Minimum Payment Calculator
See how long paying only the minimum really takes, and what a fixed payment would save.
Open the Credit Card Minimum Payment Calculator →Can I Afford to Move Out?
See if your take-home pay covers rent, your other expenses, and savings — and what's left over.
Open the Afford-to-Move-Out Calculator →Mortgage Payoff Accelerator
See how much extra to pay each month to turn a 30-year mortgage into a 15-year one — and what it saves.
Open the Mortgage Payoff Accelerator →Rent vs. Buy Calculator
Compare the net worth you'd build renting and investing the difference vs. buying a home.
Open the Rent vs. Buy Calculator →Should I Refinance?
Find your break-even point on closing costs and see if a refinance actually pays off.
Open the Refinance Break-Even Calculator →How Much House Can I Afford?
See a realistic max home price based on your income, debts, and down payment.
Open the House Affordability Calculator →Roth vs. Traditional 401(k)
See which account type actually leaves you with more money in retirement.
Open the Roth vs. Traditional Calculator →Retirement Savings Projector
Project your nest egg at retirement and see if it supports the income you'll want.
Open the Retirement Savings Projector →Salary to Hourly Converter
Turn an annual salary into hourly, daily, weekly, and monthly rates.
Open the Salary to Hourly Converter →Emergency Fund Calculator
See how much to save and how long it'll take to cover 3-6 months of expenses.
Open the Emergency Fund Calculator →Investment Fee Crusher
See exactly how much a 1% fee really costs you over decades of compounding.
Open the Investment Fee Crusher →Student Loan Payoff Planner
See your standard payoff timeline and how much extra payments save.
Open the Student Loan Payoff Planner →Pension vs. Lump Sum
Compare a pension's present value against a one-time lump sum offer.
Open the Pension vs. Lump Sum Calculator →