CentsMath

What it does

CentsMath is a growing set of free US finance calculators for the money decisions people actually face - debt payoff, mortgage extra payments, Roth vs Traditional, HYSA vs CD vs Treasury, Coast FIRE, and more. Every tool shows its formula in plain English, cites the primary source (IRS, CFPB, TreasuryDirect), and has its math covered by automated tests. No signup, no paywall, and nothing you type ever leaves your browser.

Free US finance calculators for debt payoff, savings, taxes, and loans. Every tool shows the formula, cites its source, and works great on your phone.

Free, fast, no signup. Every calculator explains its formula in plain English, cites an authoritative source, and is built US-first - real tax rules, real dollar defaults. CentsMath is a collection of free financial calculators for the money decisions US households actually face: paying off credit cards and loans, sizing an emergency fund, capturing a full 401(k) employer match, estimating quarterly taxes as a freelancer, comparing savings accounts against CDs and Treasury bills, and working out what a mortgage extra payment or a car trade-in really changes. Every tool is free, loads instantly, and asks for nothing - no signup, no email, no paywall, and nothing you type ever leaves your…from centsmath.com

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