Fast answers
Enter a few numbers and instantly see projections, growth paths, and actionable insights.
Free calculators and planning tools
Personal finance calculators that show what your money can actually do
Fast, private, zero-fluff money tools built to help you make smarter financial decisions in minutes - not hours.
Popular calculators
Start with the core tools
Built for real life
From retirement planning to inflation-adjusted investing, every calculator is designed around actual financial decisions.
Private by default
No spam. No account required. Your calculations stay yours.
How ClearWorth adds value
Practical calculators with readable assumptions
ClearWorth is built around the questions people actually bring to a spreadsheet: how much a paycheck may be after taxes, how compounding changes a savings plan, whether a monthly payment fits a budget, and what tradeoffs matter before making a large decision.
Transparent estimates
Each tool shows the major inputs behind the result, including tax assumptions, contribution timing, interest rates, inflation, fees, or housing costs where those assumptions matter.
Original workflows
The calculators are designed to connect related decisions instead of stopping at a single number. For example, paycheck results can feed savings-rate planning, and mortgage estimates can be compared with rent-vs-buy tradeoffs.
Useful limitations
Results are educational planning estimates, not guarantees. The site calls out where employer payroll systems, lender terms, local taxes, market returns, or personal circumstances can change the answer.
Source direction
ClearWorth links users to primary references such as IRS, SSA, CFPB, and Investor.gov resources where official or educational source material is useful for checking assumptions.
Estimate income
Start with the paycheck calculator, then use savings tools to turn take-home pay into a monthly plan.
Run paycheck calculatorPlan long term
Compare investment growth, retirement savings, inflation, and contribution timing before changing assumptions.
Run investment calculatorCompare decisions
Model rent vs. buy, refinancing, debt payoff, auto loans, and lease-vs-buy scenarios with clear inputs.
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