Free Financial Calculators
Plan smarter with free online calculators for loans, mortgages, compound interest, amortization, cost of living, and business profitability. All results are instant and private — nothing leaves your browser.
9
Calculators
100%
Free
0
Signup Needed
✓
PDF & CSV Export
Free Invoice Generator
Create professional invoices & save as PDF
Build professional invoices in seconds with 3 templates, 14 currencies, logo upload, per-item tax, discounts, and payment terms. Print or save as PDF — no signup, no watermark, auto-saved draft.
- Freelance invoicing
- Small business billing
- Contractor invoices
Ultimate Loan Calculator
Compare loans & calculate true mortgage cost
Compare loans side-by-side, calculate full mortgage PITI (Principal, Interest, Taxes & Insurance), and model multiple repayment scenarios with interactive charts.
- Comparing mortgage offers
- Modelling early debt payoff
- Understanding true loan cost
Mortgage Calculator
Full homeownership cost including PITI
Estimate monthly mortgage payments with full PITI breakdown — Principal, Interest, Property Taxes, Insurance, PMI, and HOA fees. Includes amortization schedule and charts.
- Budgeting for a new home
- Comparing mortgage lenders
- Planning for home equity growth
Compound Interest Calculator
Project investment & savings growth
See exactly how your money grows with compound interest. Add regular contributions, model withdrawals, choose compounding frequency, and get a yearly/monthly breakdown.
- Retirement planning
- Savings growth projection
- Comparing investment options
Amortization Calculator
See how extra payments save thousands
Get your full amortization schedule with extra payment modelling. See exactly how much interest extra monthly, yearly, or one-time payments save — and when you will be debt-free.
- Planning early mortgage payoff
- Accelerating car loan repayment
- Comparing payoff strategies
Loan Repayment Calculator
Quick monthly payment & interest estimate
Calculate your monthly payment, total interest paid, and a simple amortization schedule for any loan. Fast and straightforward for quick decisions.
- Quickly estimating loan cost
- On-the-spot loan comparison
- Basic debt budgeting
Cost of Living Calculator
Compare cities & true purchasing power
Compare two cities by disposable income after taxes and living expenses. Find the equivalent salary you need to maintain your lifestyle after relocating.
- Evaluating job offers in new cities
- Salary negotiation for relocation
- International move planning
E-commerce Profitability Calculator
True profit margin after all costs
Find your real profit margin by factoring in product costs, platform fees (Shopify, Etsy, Stripe), shipping, VAT/sales tax, and inventory value. Download your report as PDF.
- Pricing new products
- Analysing dropshipping margins
- Forecasting inventory profit
Carbon Footprint Calculator
Measure & reduce your environmental impact
Get a detailed, country-specific carbon footprint analysis covering travel, consumption, energy, and food. Receive personalised reduction pledges and compare to global averages.
- Understanding personal environmental impact
- Setting emission reduction goals
- Sustainable lifestyle planning
Which Calculator Should I Use?
Match your question to the right tool:
| I need to… | Example | Use this calculator |
|---|---|---|
| Calculate my monthly mortgage payment | $350k home, 6.5% rate, 30 years | Mortgage Calculator |
| Compare two loan offers side by side | Bank A vs Bank B terms | Ultimate Loan Calculator |
| See how extra payments save interest | Add $300/month to mortgage | Amortization Calculator |
| Project savings or investment growth | $10k + $200/month at 7% for 20 years | Compound Interest Calculator |
| Quick estimate of any loan payment | $15k car loan, 5%, 60 months | Loan Repayment Calculator |
| Evaluate a job offer in a different city | $90k in NYC vs Austin | Cost of Living Calculator |
| Find true profit on a product I sell online | Etsy item: $45 price, $18 cost | E-commerce Profitability |
| Understand my environmental impact | Annual flights + car usage | Carbon Footprint Calculator |
Key Financial Formulas
The core formulas behind our calculators — with worked examples.
Monthly Loan Payment
M = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]P = principal, r = monthly rate, n = total payments
Example: $200k at 6% / 30 yrs → $1,199/mo
Compound Interest
A = P(1 + r/n)^(nt)P = principal, r = annual rate, n = compounds/yr, t = years
Example: $10k at 7% compounded monthly for 20 yrs → $40,064
Mortgage PITI
PITI = P&I + (Annual Tax ÷ 12) + (Annual Insurance ÷ 12) + PMIP&I = principal & interest payment
Example: $1,199 P&I + $292 tax + $100 ins = $1,591/mo
Profit Margin
Margin = (Revenue − Total Costs) ÷ Revenue × 100Costs include COGS, platform fees, shipping, tax
Example: $45 price, $28 total costs → 37.8% margin
Interest Saved by Extra Payment
Compare total interest: standard schedule vs extra-payment scheduleUse the amortization calculator for exact figures
Example: +$200/mo on $300k at 6% → saves ~$75k, done 7 yrs early
Why Use Texterfly Financial Calculators?
Accurate & Transparent
All calculators use standard financial formulas (PMT, FV, PITI). Results are shown with full breakdowns so you understand every number, not just a total.
Completely Private
All calculations run in your browser. No salary figures, loan amounts, or financial data are sent to any server or stored.
Works Everywhere
Fully responsive on iOS, Android, and desktop. Plus CSV export, PDF download, and shareable scenario links for every major tool.
Who Uses These Financial Calculators?
Home Buyers
Use the Mortgage Calculator to get a full PITI breakdown before you make an offer. Use the Amortization Calculator to see how much you save by putting extra money toward principal.
Investors & Savers
Use the Compound Interest Calculator to visualise retirement or savings growth. Model different contribution levels, rates, and compounding frequencies to find your optimal strategy.
Professionals & HRs
Use the Cost of Living Calculator to evaluate job offers in new cities, negotiate relocation packages, and understand true purchasing power across locations.
E-commerce Sellers
Use the E-commerce Profitability Calculator to uncover hidden platform fees and find your true margin. Works with Shopify, Etsy, Amazon, and any marketplace.
Loan Borrowers
Use the Loan Repayment or Amortization Calculator to understand the true cost of any loan and model strategies to pay it off early and save thousands in interest.
Sustainability-Minded
Use the Carbon Footprint Calculator to understand your environmental impact across travel, consumption, energy, and food — and get personalised reduction actions.
Tips for Getting the Most Accurate Results
- Mortgage Calculator:Include your actual property tax rate and insurance premium — not just the interest rate. PITI can be 25–40% higher than the P&I payment alone.
- Amortization Calculator:Model extra payments even as small as $50/month — the interest savings over a 30-year mortgage are often surprising.
- Compound Interest Calculator:Try increasing your monthly contribution by just 1% of your income. Over 20+ years, small increases compound dramatically.
- Cost of Living Calculator:Use your net (after-tax) salary for the most accurate disposable income comparison between cities.
- E-commerce Profitability:Include all platform fees, payment processing fees, and return/refund costs — these often reduce a seemingly good margin by 10–15%.
- All tools:Export your results as CSV or PDF and review with a financial advisor for major decisions like home purchases or retirement planning.
Frequently Asked Questions
What financial calculators does Texterfly offer?
Texterfly offers 9 free financial calculators: an Ultimate Loan Calculator (side-by-side comparison, PITI), a Mortgage Calculator, a Compound Interest Calculator, an Amortization Calculator, a Loan Repayment Calculator, a Cost of Living Calculator (city comparison), an E-commerce Profitability Calculator, and a Carbon Footprint Calculator.
How does compound interest work?
Compound interest means you earn interest on both your principal and the interest already earned. Formula: A = P(1 + r/n)^(nt). Example: $10,000 at 7% compounded monthly for 20 years grows to ~$40,064 — compared to only $24,000 with simple interest.
What is PITI in a mortgage calculator?
PITI stands for Principal, Interest, Taxes, and Insurance — the four components of a full monthly mortgage payment. Principal reduces your loan balance. Interest is the lender's charge. Taxes are your monthly share of annual property tax. Insurance covers homeowner's insurance and, if applicable, PMI.
What is the difference between the Loan Calculator and Amortization Calculator?
The Loan Calculator is for comparing multiple loan options side-by-side and calculating full PITI. The Amortization Calculator generates a detailed month-by-month payment schedule for a single loan and specifically models how extra payments (monthly, annual, or one-time) reduce your total interest and shorten the loan term.
How do I calculate a monthly loan payment?
Formula: M = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1], where M = monthly payment, P = loan principal, r = monthly interest rate (annual rate ÷ 12), n = total number of payments. Example: $200,000 at 6% for 30 years → r = 0.005, n = 360, M ≈ $1,199.
How much does making extra mortgage payments save?
Significantly. Adding $200/month extra to a $300,000, 30-year mortgage at 6% saves approximately $75,000 in interest and pays off the loan about 7 years early. Use the Amortization Calculator to model your exact scenario.
How do I use the Cost of Living Calculator for a job relocation?
Enter your current city and salary, then enter the city you're considering. The calculator adjusts for local taxes, housing, food, and transport to show your equivalent disposable income and the salary you'd need in the new city to maintain your current standard of living.
Can I use the E-commerce Calculator for Shopify or Etsy?
Yes. It includes platform fee presets for Shopify, Etsy, Stripe, and others. Enter your price, cost of goods, shipping, and fees to see your true margin after all costs — including VAT/sales tax if applicable.
Are these finance calculators free?
Yes. All calculators on Texterfly are 100% free with no registration, subscription, or credit card required.
Is my financial data private?
Yes. All calculations run entirely in your browser. No salaries, loan amounts, or financial figures are sent to any server or stored anywhere.
Can I export or share my results?
Yes. Most tools support CSV export, shareable scenario links, and PDF downloads — making it easy to save results or share with a financial advisor.
Do the calculators work on mobile?
Yes. All finance calculators are fully responsive and work on iOS and Android browsers without any app download.