Calccents

Financial calculators

Know the number before you decide

Free tools for the arithmetic behind a mortgage, a lease and a pile of savings. Every formula is written out, every assumption belongs to you, and no page tells you what to do with the result.

Browse the calculators

The calculators

Three questions, three sets of numbers

Mortgage Payment CalculatorMonthly P&I, full PITI, amortization schedule and the effect of extra payments.Calculate →Rent vs Buy CalculatorMonthly cost, upfront outlay, equity build-up and the crossover month.Calculate →Compound Interest CalculatorBalance, contributions, interest earned and the inflation-adjusted value.Calculate →

Every figure shows its work

  • The formula sits next to the answer, in plain language and in symbols.
  • Every number that comes from somewhere carries its source and its date.
  • Every tool states what it does not do, in the same words, right under the result.

How the site is built →

Monthly payment

$2,358.42

Principal & interest

$1,984.12

Property tax

$280.00

Total interest

$446,031

Guides

Deep dives into the arithmetic

How to Read an Amortization Schedule6 min readMortgage Rate and Term Tradeoffs7 min readUnderstanding APR and the Annual Percentage Rate7 min readInflation and Real Returns Explained7 min readHow Compounding Frequency Changes Results6 min read

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One short letter when a new calculator goes live or an existing one is re-reviewed. No offers, no sponsored placements.