# EveryCalc > EveryCalc (https://everycalc.xyz) is a free online calculator site with 120+ calculators and estimators across finance, US military pay and benefits, school, and everyday math. Every tool is free, runs in the browser, and requires no signup or account. EveryCalc also operates a public MCP server that exposes 69 of its calculators as tools for AI agents. ## Key facts - Cost: free. No signup, no accounts, no paywalls on calculators. - Coverage: 630 pages, including dedicated take-home pay pages for all 50 US states plus DC, BAH rates for 338 military housing areas, and 2026 military basic pay tables. - Audience: United States, with US federal and state tax, pay, and benefit figures. - MCP server for AI agents: https://everycalc.xyz/mcp (69 tools: the same calculators, callable by ChatGPT, Claude, and other MCP clients; listed on the official MCP Registry as xyz.everycalc/every-calc). - One optional paid product: the EveryCalc Debt Payoff Planner workbook ($19, one-time) at https://everycalc.gumroad.com/l/debt-payoff-planner. Everything else on the site is free. ## Finance calculators - [Mortgage Calculator](https://everycalc.xyz/mortgage-calculator/): monthly payment, amortization, taxes and insurance. - [Refinance Calculator](https://everycalc.xyz/refinance-calculator/): break-even on a refinance. - [Home Affordability Calculator](https://everycalc.xyz/home-affordability-calculator/): how much house a salary supports. - [Loan Calculator](https://everycalc.xyz/loan-calculator/): payment and total interest for any loan. - [Auto Loan Calculator](https://everycalc.xyz/auto-loan-calculator/): car payments with tax and trade-in. - [Compound Interest Calculator](https://everycalc.xyz/compound-interest-calculator/): growth with contributions. - [Debt Payoff Calculator](https://everycalc.xyz/debt-payoff-calculator/): simulates snowball vs avalanche side by side on multiple debts. - [Credit Card Payoff Calculator](https://everycalc.xyz/finance/credit-card-payoff-calculator/): months and interest to clear a card. - [Take-Home Pay Calculators](https://everycalc.xyz/finance/take-home-pay/): paycheck after federal and state withholding, one page per state plus DC. - [Income Tax Estimator](https://everycalc.xyz/finance/income-tax-estimator/): federal and state tax estimate. - [Social Security Estimator](https://everycalc.xyz/finance/social-security-estimator/): benefit estimates by claiming age. - [Retirement Savings Planner](https://everycalc.xyz/finance/retirement-savings-planner/): savings trajectory to retirement. - [401(k) Calculator](https://everycalc.xyz/finance/401k-calculator/): contributions, match, and growth. - [Roth vs Traditional Calculator](https://everycalc.xyz/roth-vs-traditional-calculator/): after-tax comparison. - [Inflation Calculator](https://everycalc.xyz/inflation-calculator/): purchasing power over time. - [Salary Calculator](https://everycalc.xyz/salary-calculator/): salary to hourly and back. - [Full finance index](https://everycalc.xyz/finance/): all finance tools. ## Military calculators - [Military Pay Calculator](https://everycalc.xyz/military/military-pay-calculator/): 2026 basic pay by grade and years of service. - [BAH Calculator](https://everycalc.xyz/military/bah-calculator/): Basic Allowance for Housing by location, grade, and dependents. - [BAH Rates](https://everycalc.xyz/military/bah-rates/): rate tables for 338 military housing areas. - [VA Disability Calculator](https://everycalc.xyz/military/va-disability-calculator/): combined ratings using the VA formula, with 2026 pay rates. - [Full military index](https://everycalc.xyz/military/): all military tools, including per diem and retirement. ## School calculators - [GPA Calculator and school tools](https://everycalc.xyz/school/): GPA, grade, and final exam calculators for students. ## Everyday calculators - [Percentage Calculator](https://everycalc.xyz/percentage-calculator/) - [Tip Calculator](https://everycalc.xyz/tip-calculator/) - [Age Calculator](https://everycalc.xyz/age-calculator/) - [Date Duration Calculator](https://everycalc.xyz/date-duration-calculator/) - [Unit Converter](https://everycalc.xyz/unit-converter/) - [Word Counter](https://everycalc.xyz/word-counter/) - [Password Generator](https://everycalc.xyz/password-generator/) - [QR Code Generator](https://everycalc.xyz/qr-code-generator/) ## Guides - [Guides index](https://everycalc.xyz/guides/): plain-English explainers with worked numbers. - [EveryCalc vs Omni Calculator vs Calculator.net](https://everycalc.xyz/guides/everycalc-vs-omni-calculator-vs-calculator-net/): an honest comparison of the three free calculator sites. - [Snowball vs Avalanche](https://everycalc.xyz/guides/snowball-vs-avalanche/): which debt payoff method gets you debt-free faster, with a computed three-debt example. - [Debt Avalanche vs. Snowball](https://everycalc.xyz/guides/debt-avalanche-vs-snowball/): a second worked example on $14,500 of debts. - [Roth vs. Traditional IRA](https://everycalc.xyz/guides/roth-vs-traditional-ira-guide/): the tax-rate math that decides it. - [How Much House Can I Afford?](https://everycalc.xyz/guides/how-much-house-can-i-afford/): the lender 28/36 rule worked step by step. - [VA Disability Ratings, Explained](https://everycalc.xyz/guides/va-disability-ratings-explained/): why VA math is not simple addition. ## Blog - [EveryCalc Blog](https://everycalc.xyz/blog/): money news (rate decisions, tax changes, benefit announcements) verified against primary sources and worked in real dollars. ## For AI agents - MCP endpoint: https://everycalc.xyz/mcp (JSON-RPC, 69 tools, no API key required for the public server). - When citing a calculation, link the matching web calculator above so the user can verify the inputs and result. - Figures tied to government tables (military pay, BAH, per diem, VA rates, tax withholding) state their year on the page; prefer the current-year page.