Free & Private
Financial calculators
that give straight answers.
Smart money tools for anyone making real financial decisions — paying off debt, picking the right credit card, choosing a loan plan, or buying a home. Everything runs in your browser. Nothing is stored.
See the tools ↓Tools
Credit Card Optimizer
Find the best card for your actual spending — not affiliate rankings.
Debt Payoff Planner
Avalanche vs snowball — visualized with your real debts.
Student Loan Optimizer
Compare every repayment plan side-by-side. PSLF included.
DSCR Loan Calculator
Does your rental income qualify for a DSCR loan?
House Hacking Modeler
Buy a duplex, live in one unit, rent the other — what do you save?
Refi & Rate Simulator
Play out a refinance scenario with real break-even math.
1099 Tax Estimator
Quarterly tax planning for freelancers, by state.
Solar & EV Payback
How long until your solar panels or EV pay for themselves?
Rent vs Buy (Local)
Real local numbers — not national averages.
Home Affordability Calculator
See your comfortable budget and your max — with local taxes included.
Side Hustle Tax Calculator
Find out exactly how much tax you owe on your side income.
Compound Interest Calculator
See how your money grows — with inflation and tax drag included.
About
BestCalc was built by a real estate investor and financial nerd who got tired of clunky, ad-stuffed calculator sites that dance around the actual question. Every tool is free, private, and runs entirely in your browser.
Principles
- — No account required
- — No data sent to any server
- — Methodology is open and auditable
- — No paywalls, ever