Free financial calculators powered by real math. No signup, no ads blocking your view, no BS.
Snowball vs avalanche. See how fast you can be debt-free.
Monthly amount needed to hit your target date.
Total returns with dividends reinvested over time.
EarnBuild gives you the same calculators financial advisors use โ for free. No signup, no paywalls, no email harvesting. Just math.
Our mortgage calculator includes principal, interest, property tax, insurance, and PMI to show the true monthly cost. The average American mortgage payment in 2026 is ~$2,300/month. A 20% down payment eliminates PMI and saves $100-200/month. Every 0.5% rate reduction saves ~$50/month on a $300K loan.
Federal tax, state tax, Social Security (6.2%), Medicare (1.45%), and 401(k) deductions all reduce your gross pay. A $75K salary becomes roughly $4,600/month after all deductions. Our calculator breaks down every line item so you know exactly what you take home.
$10,000 invested with $500/month at 8% becomes $316,000+ in 20 years โ you only contributed $130K. The other $186K is compound growth. Starting 5 years earlier adds over $200K to your final balance. Time is your biggest asset.
Adding $200/month extra to a $25K debt at 18% APR saves $8,000+ in interest and cuts 2+ years off payoff. The avalanche method (highest rate first) saves the most money. The snowball method (smallest balance first) builds momentum. Both work โ pick the one you'll stick with.