Free Online Calculators
What can you calculate on EveryCalc?
Real answers for money decisions, military life, and school, with fast, private tools that run entirely in your browser. 2026 military pay by rank, VA disability ratings, BRS vs. High-3 retirement, fitness scores, GI Bill. Plain-English explainers: how much house you can afford, Roth vs. Traditional, debt payoff strategies, VA ratings, and GPA. Compare your current loan to a new offer. Using the 28/36 rule, see the maximum home price your income and debts can support.
Real answers for money decisions, military life, and school, with fast, private tools that run entirely in your browser.
Finance Calculators
Mortgage, auto loans, rent vs. buy, debt payoff, Roth vs. Traditional, and 8 more money tools.
Military Calculators
2026 military pay by rank, VA disability ratings, BRS vs. High-3 retirement, fitness scores, GI Bill.
School Calculators
GPA, final exam grade needed, student loan payoff, and the true ROI of a college degree.
College Cost
What a degree really costs over four years, net price by income from federal data, 529 savings, and state-by-state charges.
Moving
What a move costs in every mode, cost of living compared with federal parity data, and the scam checks that protect the deposit.
Retirement
RMDs, Social Security claiming ages, IRAs, pension choices, and Medicare costs, computed from the official tables.
Money & Life Guides
Plain-English explainers: how much house you can afford, Roth vs. Traditional, debt payoff strategies, VA ratings, and GPA.
What's new
New: College Costs
Our College section launched October 22, 2026: the four-year degree total, net price by income from IPEDS data, and a 529 savings planner.
New: Moving
Our Moving section launched October 22, 2026: moving costs in every mode, a cost of living comparator on BEA parity data, and mover verification guides.
New: Retirement
Our Retirement section launched October 22, 2026: RMD and IRA calculators, Social Security claiming analysis, and Medicare cost explainers.
Your Raise Was 1.5%. Prices Rose 3.5%. Here Is the Pay Cut Hiding in the BLS Numbers
Our latest post, published October 22, 2026: median pay rose 1.5% over the year while prices rose 3.5%, and we show what that gap means for a real paycheck.
Snowball vs Avalanche: Which Debt Payoff Method Gets You Debt-Free Faster?
Our two debt payoff guides are now one consolidated guide, updated October 22, 2026, with both worked examples, the balance transfer shortcut, and the full FAQ in one place.
Military Pay and BAH Rates
Our military pay and BAH rate pages were reviewed and expanded for 2026 data, so the pay charts and housing allowance figures reflect the current year.
Mortgage Calculator
Monthly payment with property tax, insurance, PMI and HOA, plus a full amortization schedule.
Calculate →Refinance Calculator
Compare your current loan to a new offer. Find your break-even month and lifetime savings.
Calculate →Home Affordability Calculator
Using the 28/36 rule, see the maximum home price your income and debts can support.
Calculate →Loan Calculator
Auto and personal loans: monthly payment, total interest, and amortization breakdown.
Calculate →Compound Interest Calculator
Project investment growth with monthly contributions and a visual growth chart.
Calculate →Percentage Calculator
What is X% of Y? X is what percent of Y? Percentage increase and decrease.
Calculate →Tip Calculator
Figure out the tip, split the bill, and see exactly what everyone owes.
Calculate →Salary Converter
Convert between hourly, weekly, biweekly, monthly and annual pay instantly.
Calculate →Age Calculator
Exact age in years, months, and days, plus total days and next birthday countdown.
Calculate →QR Code Generator
Free QR codes for any text or URL, generated in your browser. Download as PNG.
Calculate →Word Counter
Live word, character, sentence, and paragraph counts with reading time.
Calculate →Password Generator
Strong random passwords with an entropy strength meter. Nothing leaves your browser.
Calculate →Unit Converter
Length, weight, temperature, volume, and speed conversions, instantly.
Calculate →Date Duration Calculator
Days between dates, business days, and 2026 federal holidays.
Calculate →Why use EveryCalc?
Big financial decisions deserve better than back-of-the-envelope math. Whether you are buying your first home, weighing a refinance offer, or deciding how much to invest each month, a small error in your assumptions can cost thousands of dollars over time. EveryCalc gives you the same core formulas lenders and advisors use, packaged in tools that answer in seconds.
Every calculator on this site runs 100% in your browser. That means two things: your numbers are private, nothing is uploaded, stored, or tracked, and the tools are fast, working even on slow connections. There is no account to create and no paywall.
Start with the mortgage calculator if you are house hunting, it is our most popular tool and includes property tax, homeowner's insurance, PMI, and HOA so the monthly figure you see is the real one, not just principal and interest. If you already own, the refinance calculator tells you exactly when a new loan starts saving you money.
Use EveryCalc inside your AI assistant
Every calculator on this site is also available as an AI tool. Connect EveryCalc to your favorite assistant and ask calculation questions right in your chats. The AI will run the same math as the site and link you back to the interactive calculator.
Claude: go to Customize, then Connectors, then Add custom connector, and enter https://everycalc.xyz/mcp as the server URL. No sign-in needed.
Gemini: add EveryCalc as a custom app (Gem) using the MCP server URL https://everycalc.xyz/mcp, then invoke it with @EveryCalc in your chats.
Perplexity (Pro): add https://everycalc.xyz/mcp as a custom MCP server in your settings, then use the tools in your threads.
ChatGPT (Plus, Pro, Business, Enterprise, or Edu): go to Settings, then Apps, then Advanced settings, and turn on Developer mode. Under MCP servers / Custom connectors, add a new server named EveryCalc with the URL https://everycalc.xyz/mcp.
Grok: go to grok.com/connectors, click New Connector, then choose Custom, and enter https://everycalc.xyz/mcp as the server address. No sign-in needed.
Developers can also call the calculators directly through the free JSON API at https://everycalc.xyz/api/v1/; the full specification is at https://everycalc.xyz/api/v1/openapi.json.
Frequently asked questions
Are EveryCalc calculators really free?
Yes. Every calculator is completely free with no account, no signup, and no limits.
Is my financial data private?
Yes. All calculations happen locally in your browser via JavaScript. We never see, store, or transmit the numbers you enter.
How accurate are the results?
We use standard financial formulas, the same amortization math banks use. Results are estimates for planning; a lender's final numbers may differ slightly due to fees, rounding, and day-count conventions.