Free Financial Calculators 2026
20+ free calculators for every stage of your financial life — retirement, investing, property, tax, and debt — all updated for 2026 rates and rules. Covers UK, India, Australia, US, and Canada. No sign-up. No ads. All calculations run in your browser.
FIRE Calculator
Financial independence & early retirement. UK State Pension, India 30× rule, 4% rule.
Retirement Calculator
Project your retirement balance and monthly income across USD, GBP, AUD, INR.
401(k) Calculator
$24,500 limit 2026, SECURE 2.0 super catch-up $35,750 for ages 60–63, employer match.
ISA Calculator
£20,000 tax-free allowance 2026-27. CGT 18%/24%, dividend tax 35.75% saved inside ISA.
Superannuation Calculator
12% SG rate from July 2025, $30k concessional cap, 15% fund earnings tax.
TFSA Calculator
$7,000 limit 2026 · $109,000 lifetime room · Tax-free growth vs non-registered accounts.
SIP Calculator
Monthly mutual fund returns for India. Goal-based reverse calculator: find monthly SIP to reach ₹1 crore.
Investment Return Calculator
S&P 500 ~10%, Nifty 50 ~12%, ASX 200 ~9%. Year-by-year growth with monthly contributions.
Compound Interest Calculator
See how compound interest grows your wealth. Annual, quarterly, monthly, and daily compounding.
Net Worth Tracker
Total net worth and liquid net worth (excluding home). Multi-currency with debt-to-asset ratio.
Budget Calculator
50/30/20 rule — split your take-home pay into needs, wants & savings. Spending audit included.
Debt Payoff Calculator
Snowball vs avalanche side-by-side. Your exact debt-free date and total interest saved.
Stamp Duty Calculator
SDLT (England/NI), LBTT (Scotland), LTT (Wales). FTB relief, 5% additional property surcharge.
Mortgage Payoff Calculator
Extra payments, bi-weekly strategy. 30-yr rate ~6.6% (June 2026). Interest savings & years cut.
Home Loan Calculator
EMI & total interest. India rates: SBI 8.50–9.65%. Amortization schedule.
Construction Cost Calculator
US: $150–250/sqft average 2026. Materials 50%, labour 35%, permits 5%, contingency 10%.
Salary & Tax Calculator (US)
$15,000 standard deduction 2026, all 50 states, SS $176,100 wage base. 2026 IRS brackets.
Income Tax Calculator (India)
New vs old regime FY 2026-27. ₹75,000 standard deduction, 87A rebate, 80C/80D/HRA.
Freelance Pricing Calculator
Minimum hourly rate based on income goal, billable hours, weeks off, and expenses.
Solar Savings Calculator
30% federal ITC through 2032 (IRA). Payback period, 25-year ROI with electricity rate increases.
Age Calculator
Exact age in years, months, days, hours, minutes and seconds. Days until next birthday.
Why start investing early? Compound growth in action.
$10,000 initial + $500/month over 20 years. The gap between 7% and 12% annual return is enormous — and both beat leaving money in cash.
Verified 2026 rates
Every calculator uses rates confirmed from official government sources — HMRC, IRS, APRA, RBI, CRA.
Runs in your browser
No data is sent to our servers. Your salary, savings, and debt figures never leave your device.
100% free, no sign-up
Every calculator is completely free with no account required, no paywall, and no advertising.
Free Financial Calculators — Frequently Asked Questions
Are these financial calculators really free?▼
Yes — every calculator on Wealth Calculator Hub is completely free with no account, no email, and no payment required. There are no premium features.
Which countries do your calculators cover?▼
United Kingdom (ISA, stamp duty, salary tax), India (SIP, income tax new/old regime, FIRE 30×), Australia (superannuation 12% SG), United States (401k, salary tax, mortgage), and Canada (TFSA). Use the country filter above to see only the calculators relevant to you.
How current are the rates in your calculators?▼
Each calculator card shows a "Rates verified" badge with the source and date. ISA uses HMRC 2026-27 rates, 401k uses 2026 IRS limits ($24,500), stamp duty uses HMRC April 2025 thresholds, superannuation uses the 12% SG rate from July 2025.
Is my financial data safe?▼
All calculations run entirely in your browser using JavaScript. No numbers you enter — salary, savings balance, debt amounts — are transmitted to or stored on our servers.
Which calculator should I start with?▼
For most people: (1) Budget Calculator — know your monthly allocation first. (2) Net Worth Tracker — understand your starting point. (3) Investment Return or FIRE Calculator — plan where you want to go. If you have high-interest debt, start with the Debt Payoff Calculator. UK users → ISA Calculator. Indian users → SIP Calculator.