Free financial calculators that respect your privacy
Calkura is a growing collection of free online financial calculators built to do the things a quick search widget can't — model regular monthly contributions, show a full amortization schedule, compare extra payments, and break results down year by year with a chart. There's no sign-up and no paywall, and because every calculation runs entirely in your browser, the numbers you enter never leave your device.
What you can work out
- Compound interest — how savings grow with an initial deposit plus regular monthly contributions and any compounding frequency.
- Savings goal — exactly how much to set aside each month to hit a target by a chosen date, including interest.
- Mortgage payoff — how extra monthly payments shorten your mortgage and how much interest you save.
- Loan payoff — monthly payment, total interest and a full amortization schedule for any car, personal or student loan.
- Percentages — percent of a number, what percent one number is of another, and percentage change.
- Credit card payoff — enter balance, APR and monthly payment to see the payoff date and total interest.
- Investment returns — project future portfolio value or calculate the CAGR needed to reach a target.
- Rent vs buy — compare total costs, find the break-even year and see which builds more net wealth.
- Debt payoff — compare the snowball and avalanche strategies across multiple debts side by side.
- Salary converter — convert any pay rate to hourly, daily, weekly, bi-weekly, monthly, and annual in seconds.
Learn the “why” behind the numbers
Our plain-English money guides explain the ideas behind the tools — for example how compound interest works, how much emergency fund you need, choosing between a 15- vs 30-year mortgage, and how much to save for a house down payment.
Frequently asked questions
- Are Calkura's calculators free?
- Yes — every calculator is completely free, needs no sign-up, and runs entirely in your browser.
- Is my data private?
- Yes. The numbers you enter are processed locally in your browser and are never sent to or stored on a server.
- Which calculators are available?
- Compound interest, savings goal, mortgage payoff, loan payoff, percentage, credit card payoff, investment return, rent vs buy, debt payoff (snowball/avalanche), and salary converter — with more added over time.