US Finance Calculator

Loan, mortgage, tax, investment and retirement calculators for US households.

US Finance Calculator puts a full suite of finance tools in your pocket. Unlike generic “everything under the sun” calculators that bury you in dozens of obscure tools, this app focuses on the high impact tasks U.S. households need every day. Whether you’re buying a home, taking out a student loan, projecting investment returns or figuring out how much to contribute to your 401(k), the app provides fast and accurate calculations; even when you’re offline; so, you can make confident decisions.

Key calculators and planners

• Loan & Mortgage Calculators – Enter the loan amount, term and interest rate to see your monthly payment, total interest and payoff timeline. Choose compounding and payment frequencies, compare scenarios and view a full amortization schedule with charts showing principal vs. interest. Useful for auto, personal and student loans as well as mortgages.

• Investment & Compound Interest – Run a compound interest calculator to understand how your savings grow over time, or use the investment planner to project the future value of investments and compare returns across stocks, bonds and other assets. Solve for the monthly contribution needed to hit a target balance or determine the starting amount or rate of return required.

• Retirement Planner – Estimate how much to contribute to your 401(k) or IRA each month to retire comfortably and adjust for inflation and rate of return.

• Credit Card & Debt Payoff – Calculate how long it will take to pay off credit card balances or personal debt and see how extra payments accelerate payoff.

• Refinance & HELOC – Compare your current mortgage with potential new terms to see the new monthly payment, total interest and potential savings. Estimate HELOC payments by adjusting the borrowing amount, rate and draw period.

• House Affordability Calculator – Figure out how much home you can afford by entering your income, down payment and expenses.

• Salary & Paycheck Calculators – Estimate your take home pay by accounting for federal taxes and other deductions.

Why choose US Finance Calculator?

• Focused & comprehensive – While some competitors include dozens of niche tools like bond yield, stock options or unit converters, this app zeroes in on the calculators that matter most to U.S. households: mortgage and loan payments, investment growth, retirement contributions, debt payoff, refinancing, HELOCs, house affordability and paychecks.

• Offline and private – All calculations occur on your device. No internet is required and no personal data leaves your phone.

• Accurate and flexible – Choose different compounding and payment frequencies, input extra payments or contributions and adjust for inflation. Charts and tables visualize your finances.

• US specific – Calculations follow U.S. standards for interest rates, loan amortization and federal payroll taxes.

• Clean design & dark mode – Modern Flutter technology delivers a responsive interface with dark mode support.

• Free with optional premium – Fully functional for free, with an optional upgrade to remove ads.

Download US Finance Calculator today

Take control of your finances with this all-in-one financial calculator, loan calculator, mortgage calculator, investment calculator, compound interest calculator, retirement planner, credit card payoff calculator, refinance calculator, HELOC calculator, house affordability calculator and salary calculator. Whether you’re calculating your first mortgage, planning for retirement, setting an investment goal or tackling credit card debt, US Finance Calculator gives you the clarity and confidence to make informed decisions.

Disclaimer: US Finance Calculator provides calculation tools for informational purposes only. Results are estimates and should be verified by a qualified advisor before making major financial decisions.