Free Personal Finance Calculators
Five free tools, no sign-up on any of them. Each one runs in your browser — nothing you type is sent anywhere or stored. They share the same deterministic calculation engine that powers Lodestar's full financial analysis, so the numbers here are the numbers there.
Which Calculator Should You Use?
Start with net worth if you don't know where you stand. Net worth — everything you own minus everything you owe — is the single number that tells you whether the last year actually went well. The Net Worth Calculator projects it forward; the Net Worth by Age tool tells you how yours compares to other U.S. households your age.
Use the debt calculator if you carry a balance above about 7%. High-interest debt beats almost every investment return on a risk-adjusted basis, so paying it down is usually the highest-value move available. The Debt Payoff Calculator shows what avalanche and snowball each cost you in months and interest — and this guide walks through the debt-versus-invest decision.
Use the retirement calculator to check a target, not to set one. The Retirement Calculator compares your projected nest egg to what your target retirement age actually requires, with a Monte Carlo range because a single average return hides the bad decades. What Monte Carlo forecasting means explains how to read the band.
Use rent vs buy before a housing decision, not after. The Rent vs Buy Calculator compares the two paths by net worth at your horizon and counts the opportunity cost of the down payment, which most rent-vs-buy math quietly ignores. The companion guide, Rent vs Buy: The Honest Math, covers the assumptions that actually swing the answer.
Questions People Ask
Are these calculators really free?
Yes — every calculator on this page is free, requires no account, and has no usage limit. They run entirely in your browser, so nothing you type is sent to a server or stored anywhere.
How accurate are the projections?
The math is deterministic and standard: monthly compounding, amortization schedules, and Monte Carlo simulation over your own assumptions. The same calculation engine powers Lodestar's full analysis. Accuracy depends entirely on the assumptions you feed in — which is why several tools show a range of outcomes rather than a single number.
What is the difference between these and the full Lodestar analysis?
A calculator answers one question from numbers you type. The full analysis reads your actual statements, builds a complete picture of what you own and owe, scores your financial health, and returns a prioritized list of moves with the dollar impact of each one. The calculators are the individual pieces; the analysis is the whole plan.
Is any of this financial advice?
No. Lodestar Wealth provides education and tools, not investment advice. Nothing here is a recommendation to buy or sell any security. Projections are illustrations built from your assumptions, not guarantees. For anything with tax consequences, confirm with a CPA.
Want the Whole Picture Instead of One Number?
Lodestar reads your actual statements and returns a prioritized plan with the dollar impact of every move. Try the interactive demo first — no login, no upload.