The tools
Pick your calculator
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Mortgage Calculator
Monthly payment, total interest, taxes, insurance, and a full year-by-year amortization schedule.
$320,000 → $1,855/mo
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Refinance Calculator
See your new payment, monthly savings, and break-even point instantly.
Save $312/mo
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House Affordability Calculator
Find your realistic home price range based on income, debts, and down payment.
$85K income → $345K home
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Personal Loan Calculator
Monthly payment, total interest, and full repayment schedule for any personal loan.
$10K → $332/mo
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Auto Loan Calculator
Monthly car payment with down payment, trade-in, and full interest breakdown.
$28K → $561/mo
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Debt Payoff Calculator
Snowball vs avalanche comparison for multiple debts — see your payoff date and total interest.
Debt free in 34 months
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Credit Card Payoff Calculator
See exactly how long it'll take to pay off your card and how much interest you'll pay.
$5K → 4yrs at $150/mo
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Currency Converter
Live exchange rates for 150+ currencies, updated daily from global markets.
100 USD → 92 EUR
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Compound Interest Calculator
See how money grows over time with compounding — includes yearly breakdown and contributions.
$10K → $76K in 20yrs
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Savings Goal Calculator
Find out how long it takes to reach your savings target based on contributions and interest.
$20K goal in 19 months
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Debt-to-Income Calculator
Calculate your DTI ratio and see if you qualify for a mortgage with front-end and back-end ratios.
DTI 34% — Excellent
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Investment Return Calculator
Project your portfolio growth with monthly contributions, annual return, and a year-by-year table.
$500/mo → $567K
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Calorie Calculator
Daily calorie needs based on your age, height, weight, sex, and activity level.
TDEE ≈ 2,340 kcal
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BMI Calculator
Body mass index in metric or imperial, with healthy range context and ideal weight.
BMI 23.6 — Normal
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Body Fat Calculator
U.S. Navy method body fat percentage — just a tape measure, no calipers needed.
17.5% — Fitness
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Age Calculator
Exact age in years, months, and days — for any birth date and any reference date.
36 years, 2 months
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Date Calculator
Days between any two dates, or add and subtract time to find a new date.
196 days between dates
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Retirement Calculator
Project your retirement savings balance and find out if you're on track to retire comfortably.
$1.2M by age 65
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Net Worth Calculator
Add your assets and liabilities to get a complete picture of your financial health.
Assets − Debt = $284K
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Life Insurance Calculator
DIME method — find out how much coverage your family actually needs.
$945K recommended
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Home Equity Calculator
Find your equity, LTV ratio, and how much you could borrow with a HELOC or home equity loan.
$120K equity, 30% LTV
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Rent vs Buy Calculator
Compare total renting vs buying costs over time — including equity, appreciation, and true ownership costs.
Buying saves $31K over 7 yrs
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Extra Mortgage Payment
See how much interest you save and how many years you cut off your loan with extra payments.
Save $42K, pay off 6yrs early
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Amortization Schedule
See your full loan payoff breakdown — principal, interest, and balance for every year or month.
360 payments, mapped out
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Tip Calculator
Calculate tip and split the bill for any group. Instant results for any tip percentage.
$85 bill → $15.30 tip
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Paycheck Calculator
Estimate your real take-home pay after federal tax, Social Security, and Medicare.
$2,500/biweekly → $1,983 net
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Tax Bracket Calculator
See your marginal and effective 2026 federal tax rate, broken down bracket by bracket.
$75K income → 15.0% effective
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Student Loan Calculator
Monthly payment, total interest, and payoff date for any balance, rate, and term.
$30K → $261/mo
In-depth guides
Learn the real numbers
Home Buying
First-Time Homebuyer Guide
Credit scores, down payments, mortgage types, and the full buying process explained.
Read guide →
Home Buying
How Much to Put Down on a House?
3% vs 10% vs 20% — the real PMI costs and payment trade-offs with actual numbers.
Read guide →
Refinancing
Should I Refinance My Mortgage?
The complete break-even framework for deciding if refinancing makes financial sense.
Read guide →
Refinancing
What is a Good Refinance Rate?
Current rate benchmarks by credit tier and loan type in 2026.
Read guide →
Refinancing
How Much Can I Save Refinancing?
Real savings examples across common rate and balance scenarios.
Read guide →
Credit Cards
How to Pay Off Credit Card Debt Fast
Proven strategies with real numbers — avalanche, snowball, balance transfers, and consolidation.
Read guide →
Credit Cards
What is a Good Credit Card Rate?
APR benchmarks by credit score tier and card type — and when your rate actually matters.
Read guide →
Debt Payoff
Debt Snowball vs Avalanche
Which method saves more money — and which one people actually finish.
Read guide →
Personal Loans
Personal Loan vs Credit Card
When each option makes sense and how to compare total cost with real examples.
Read guide →
Personal Loans
How to Get a Personal Loan
Step-by-step process from checking your credit to funds in your account.
Read guide →
Auto Loans
What is a Good Car Loan Rate?
New and used car loan benchmarks by credit score, plus when to refinance.
Read guide →
Mortgages
15-Year vs 30-Year Mortgage
Monthly payment, total interest, and flexibility — how to decide which term fits your goals.
Read guide →
Home Buying
How Much Down Payment Do You Need?
From 3% to 20% — what each option means for your payment, PMI, and overall cost.
Read guide →
Home Buying
Credit Score Needed for a Mortgage
How your score affects your rate by loan type, plus quick ways to improve it before applying.
Read guide →
Home Buying
Closing Costs Explained
What you'll actually pay beyond the down payment, what's included, and how to lower it.
Read guide →
Credit Scores
Credit Score Minimums by Loan Type
Minimum scores for FHA, conventional, VA, and USDA loans, and how each tier affects your rate.
Read guide →
Credit Scores
What Is a Good Credit Score?
FICO ranges and tiers explained — and exactly how much a better score saves you.
Read guide →
Savings
How Much Should I Have in Savings?
Emergency fund guidelines by income type, with real dollar targets for 2026.
Read guide →
Health
Understanding Your BMI
What the number actually measures, what it misses, and why it's a screening tool — not a diagnosis.
Read guide →
Health
Calories to Lose 1 Pound a Week
How a calorie deficit works and why ~500 fewer calories a day is the common target.
Read guide →
Budgeting
The 50/30/20 Budget Rule, Explained
A simple three-category framework for splitting your paycheck — and what to do when the math doesn't fit.
Read guide →
Savings
What's a Good Emergency Fund Amount?
How much to save, where to keep it, and a realistic plan for building one from zero.
Read guide →
Retirement
Roth IRA vs Traditional IRA
Same contribution limit, opposite tax treatment — here's how to decide which one fits your situation.
Read guide →
Credit Scores
How to Build Credit From Scratch
No credit history isn't bad credit — the well-worn paths for building a score from zero.
Read guide →
Debt Payoff
Debt Consolidation: How It Works
When consolidating actually saves money, and when it just adds cost and complexity.
Read guide →
Student Loans
How Do Student Loans Work?
Federal vs private loans, how interest actually accrues, and repayment options most people never learn about.
Read guide →
Auto Loans
How Much Should You Spend on a Car?
The monthly payment is the smallest part of the real cost — how to budget for all of it.
Read guide →
Home Equity
Home Equity Loan vs. HELOC
Fixed lump sum vs. flexible credit line — which one actually fits your plans.
Read guide →
Life Insurance
How Much Life Insurance Do You Need?
A practical framework using income, debts, and future expenses — not just a flat multiplier.
Read guide →
Investing
How Compound Interest Works
Why starting early beats almost everything else, with the real math behind the Rule of 72.
Read guide →
Investing
How to Start Investing
A step-by-step beginner's path — account types, index funds, and common first-timer mistakes.
Read guide →
Health
BMI vs. Body Fat Percentage
Two different numbers, two different stories — which one should you actually track.
Read guide →
Health
How Many Calories Do You Need?
BMR, TDEE, and how to adjust your target for weight loss, maintenance, or muscle gain.
Read guide →
Home Buying
Rent vs. Buy: How to Decide
Beyond the slogan — total cost of ownership, breakeven timelines, and when each wins.
Read guide →
Why TidyCalcs
Built for real answers
Instant results
No loading screens. Everything updates the moment you type.
Real formulas
Standard lender, WHO, and scientific equations — not rough estimates.
Privacy-first
Everything runs in your browser. Your numbers never leave your device.
Zero friction
No accounts, no sign-ups, no pop-ups. Just open and calculate.
The math behind the answers
Every calculator uses standard published formulas — the same ones used by lenders, doctors, and financial institutions.
Mortgage
Standard fixed-rate amortization formula used by lenders worldwide
Calories
Mifflin-St Jeor equation — the most accurate BMR formula for most adults
Currency
Mid-market rates from global financial data providers, updated daily