S&P 500 ▲ Loading… 30yr Mortgage Loading… Fed Rate 4.25–4.50% 10yr Treasury Loading… Gold ▲ Loading… Bitcoin Loading… USD/EUR Loading… Inflation (CPI) 2.8% YoY Unemployment 4.1% S&P 500 ▲ 5,218 30yr Mortgage ~6.8% Fed Rate 4.25–4.50% 10yr Treasury ~4.3% Gold ▲ $3,300/oz Bitcoin $93,000 USD/EUR 0.92 Inflation (CPI) 2.8% YoY Unemployment 4.1%

Free online calculators for every need

Mortgage payments, 401k retirement projections, investment compound growth, BMI, percentages, tips, age, and currency — all free, no sign-up.

Standard Calculator

Everyday arithmetic with memory functions — add, subtract, multiply, divide

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💡 Press % after a number to convert it — e.g. 200 + 15% = 230

Scientific Calculator

Trigonometry, logarithms, exponents, square roots, and constants π and e

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Mortgage Calculator

Estimate your monthly mortgage payment — principal, interest, tax, and insurance

Mortgage Breakdown

Monthly Principal & Interest
Property Tax / mo
Insurance / mo
Total Monthly Payment
Total Interest Paid
Total Cost of Loan

💡 A 20% down payment removes PMI, typically saving $100–$200/month.

401k Retirement Calculator

Project your retirement nest egg with contributions, employer match, and compound investment growth

% of your contribution

Retirement Projection

Years Until Retirement
Your Contributions
Employer Match Total
Investment Growth
Projected Balance at Retirement
Est. Monthly Income (4% rule)

💡 Always contribute enough to capture 100% of your employer match — it's an instant 50–100% return on that money.

Investment Calculator

Calculate compound interest growth on lump sums and regular contributions over time

Investment Projection

Initial Investment
Total Contributions
Interest Earned
Final Balance (Nominal)
Inflation-Adjusted Value
Effective Annual Rate (EAR)

💡 Adding just $100/month more to your investment can add tens of thousands to your final balance through compounding.

Salary & Paycheck Calculator

Estimate your federal & state taxes, FICA deductions, and actual take-home pay per paycheck

Per Paycheck Breakdown

Per Paycheck
Annually
Gross Income
Pre-Tax Deductions
Federal Taxable Income
Federal Income Tax
State Income Tax
Social Security (6.2%)
Medicare (1.45%)
Post-Tax Deductions
Extra Withholding
Tax Credits
💵 Net Take-Home Pay
Effective Tax Rate

💡 This calculator uses 2024 federal tax brackets. State tax rates are simplified flat approximations — actual rates are graduated and vary. Always verify with your payroll department or a tax professional.

Percentage Calculator

Three essential percentage formulas — instant results, no guesswork

① What is X% of Y?

Result

② X is what % of Y?

Percentage

③ Percentage Change

Change

BMI Calculator

Calculate your Body Mass Index in US or metric units and find your healthy weight range

Your BMI
Category
Healthy Weight Range

💡 BMI is a screening tool — not a diagnostic measure. Always discuss results with a healthcare provider.

Tip Calculator

Split the bill and calculate tip per person — no math at the table

Split Summary

Subtotal$0.00
Tip Amount$0.00
Total Bill$0.00
Per Person$0.00

💡 15% = good, 18% = great, 20%+ = excellent service.

Age Calculator

Find your exact age in years, months, and days — plus your next birthday countdown

Exact Age
Total Months
Total Days Lived
Next Birthday

Currency Converter

Convert between 10 major world currencies using reference exchange rates

Converted Amount
Exchange Rate
Inverse Rate

⚠️ Rates are reference values. For live rates use your bank or a financial service.

Personal Finance & Money Tips

Fresh articles from top financial sources — updated automatically

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📈 Plan Your Retirement

Our free 401k retirement calculator projects your savings balance based on your salary, contribution rate, employer match, and expected investment returns — showing exactly how much you could have by retirement age.

💰 Grow Your Investments

The compound interest investment calculator shows how your money grows over time. Enter your initial amount, monthly contributions, and annual return rate to watch compound growth work in your favor.

🏠 Calculate Your Mortgage

Estimate your full monthly mortgage cost including principal, interest, property tax, and insurance. Compare 10, 15, 20, and 30-year loan terms and see total interest paid over the life of your loan.

⚖️ Check Your BMI

Our free BMI calculator works in both US and metric units. Instantly see your Body Mass Index, weight category, and the healthy weight range for your height.

💯 Percentage & Math Tools

Three percentage formulas in one place — find X% of a number, calculate what percentage X is of Y, and compute percentage change between two values. Plus a full scientific calculator.

💱 Currency & More

Convert between 10 major currencies, split a restaurant bill with the tip calculator, calculate your exact age in days, and more — all free, all instant, all in one place.

Free Online Calculators — No Sign-Up, No Fees

Figuro provides a complete suite of free online calculators covering personal finance, retirement planning, health, math, and everyday needs. All calculators run instantly in your browser — your data never leaves your device, no account is required, and there are no hidden costs.

401k Retirement Calculator — How It Works

Our 401k calculator helps you answer the most important retirement question: "Will I have enough?" Enter your current age, retirement age, salary, and contribution percentage. Add your employer's matching rate and cap. The calculator projects your balance year-by-year, compounding contributions at your expected annual return. Results include your projected balance at retirement, a breakdown of your contributions vs. employer match vs. investment growth, and an estimated monthly income based on the widely-used 4% withdrawal rule.

Financial planners generally recommend contributing at least enough to capture your full employer match — it's an immediate 50–100% return on that money before any market gains. Even small increases in your contribution percentage today can add hundreds of thousands of dollars to your retirement balance thanks to compound growth over decades.

Investment & Compound Interest Calculator

Compound interest is the most powerful force in personal finance. Our investment growth calculator lets you model any investment scenario: enter a lump-sum starting amount, add optional monthly contributions, choose your expected annual return rate, and select how frequently interest compounds (daily, monthly, quarterly, or annually). The calculator shows your total balance, the exact interest earned, and — crucially — the inflation-adjusted real value of your future money in today's dollars.

Use the investment calculator to compare scenarios: what if you start investing five years earlier? What if you increase monthly contributions by $100? What if markets return 6% instead of 8%? Seeing these numbers side by side is the clearest way to understand what drives long-term wealth.

Mortgage Payment Calculator — Know Your Full Cost

Many home buyers focus only on principal and interest, but your true monthly housing cost includes property tax and homeowners insurance too. Our mortgage calculator breaks down all components and reveals the total interest you'll pay over the life of your loan — a number that often surprises first-time buyers. At current interest rates, a 30-year mortgage can cost nearly as much in interest as the original purchase price.

Why Thousands Use Figuro

Figuro calculators are fast, accurate, and free. They're designed for real decisions — not just to push a button and get a number. Each calculator includes explanatory tips and context so you understand what the results mean and how to use them. Whether you're a student, a homeowner, a retirement planner, or someone splitting a dinner bill, Figuro has the right tool for you.

Frequently Asked Questions

It simulates each year until retirement: your annual contribution (salary × contribution %) plus employer match are added, then the entire balance is multiplied by (1 + annual return rate). Salary increases are applied each year if you enter a raise percentage. The result is a compounded projection — not a guarantee, but a realistic estimate using standard financial math.
The 4% rule is a widely used retirement guideline suggesting you can withdraw 4% of your retirement portfolio per year without running out of money over a 30-year retirement. For example, a $1,000,000 balance would support $40,000/year or $3,333/month. It's a rule of thumb, not a guarantee, and individual circumstances vary.
Compound interest means you earn returns on your accumulated returns — not just your original principal. Over long periods this creates exponential rather than linear growth. For example, $10,000 at 8% annually grows to ~$21,600 in 10 years, $46,600 in 20 years, and ~$100,600 in 30 years — without adding another dollar. Time in the market is the most powerful variable.
The principal and interest portion uses the formula M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of monthly payments. Property tax and homeowners insurance are added on top as separate monthly amounts.
According to the CDC: Under 18.5 = Underweight | 18.5–24.9 = Normal weight | 25–29.9 = Overweight | 30+ = Obese. BMI is a useful screening tool but doesn't account for muscle mass, bone density, or fat distribution. Always consult a healthcare provider for a complete health assessment.
Yes — all calculators are completely free with no sign-up required. Every calculation runs entirely in your browser. No data is ever sent to a server, stored, or shared. Your financial and health information stays on your device.
The math is precise given your inputs. However, projections assume a constant annual return, which real markets don't provide. Actual results will vary based on market performance, fee structures, and life changes. Use these projections as planning benchmarks, not financial guarantees. For personalized advice, consult a licensed financial advisor.