ClearWorth

Free personal finance calculators

Start with the number you need.

Choose a calculator, enter a few real numbers, and get a clear planning estimate without building a spreadsheet.

No accountNo spreadsheetNo sales pitch
IncomePaycheck calculatorEstimate federal, state, local, and FICA withholding.Calculate my paycheck → HousingMortgage calculatorModel payment, taxes, insurance, PMI, and extra principal.Estimate my payment → InvestingInvestment calculatorProject compound growth, contribution timing, and inflation.Project my growth → RetirementRetirement calculatorCompare future savings with your retirement-spending target.Check my progress → CarAuto loan calculatorCombine financing, taxes, fees, and insurance.Estimate my car cost → TradeoffDebt vs. invest calculatorCompare guaranteed interest savings with uncertain market growth.Compare my options →
Browse every calculator

Planning a bigger move?

Use a life-decision tool.

These focused tools turn your numbers into a practical next step for a job change or time away from work.

RunwayHow much breathing room do I have?Turn cash and essentials into months of freedom.Check my runway → Job exitCan I quit my job?See your runway, target, and safer exit date.Get my answer → CareerIs this job offer actually better?Compare pay, commute, hours, and uncertainty.Compare the offer →

Built for the moment before a decision

Start with the answer. Keep the math within reach.

ClearWorth turns your inputs into a planning estimate, then shows the assumptions, limitations, and next variable worth testing.

01

Private by default

No account is required. Standard calculator inputs stay in your browser.

02

Assumptions shown

Rates, time periods, costs, and important omissions stay visible.

03

Plain-English results

Every major tool explains what changed the answer and what to test next.

04

Educational, not personalized

ClearWorth gives planning estimates—not financial, tax, legal, or investment advice.

Learn before you calculate

Short guides for the assumptions that matter.

Cash

How much emergency savings is enough?

Turn a generic rule into a target based on your own essential costs.

 Housing

Are you financially ready to buy?

Look beyond approval to closing cash, reserves, and monthly comfort.

 Investing

What does waiting to invest cost?

See why time can matter as much as the monthly amount.

How ClearWorth earns trust

Clear methodology. Visible limits. No invented precision.

Review how estimates are built, which inputs matter, and where official sources or professional guidance should take over.

Read the methodologyAbout ClearWorth