About ClearCalc
An independent collection of free, fast financial calculators that show their work.
Why this site exists
ClearCalc was started out of frustration with financial calculators that hide a simple answer behind pop-ups, email gates and sales pitches. Every page on this site is built around one decision — what a mortgage really costs, how much tax to set aside on freelance income, whether a rental deal cash-flows — and gives you a clear number plus a plain-English explanation of how it was reached.
How the calculators are built
Each calculator uses standard, published formulas: amortization for loans and mortgages, compound growth for savings, and IRS-published rates and thresholds for self-employment and income tax estimates. Every tool page explains its formula and walks through a worked example so you can check the math yourself. The calculations run entirely in your browser; the numbers you type are not sent to us.
We review the tax figures when the IRS publishes new annual amounts and update pages when rules change. If you spot an error, please tell us — corrections are taken seriously.
Our calculators
- Mortgage Payment Calculator — Monthly PITI payment with taxes, insurance, PMI and HOA, plus total interest over the loan.
- Auto Loan Calculator — Car payment including sales tax, fees, down payment and trade-in.
- Compound Interest Calculator — Grow a balance with monthly contributions and see the inflation-adjusted result.
- Self-Employment Tax Calculator — Social Security and Medicare on 1099 profit for 2025 and 2026, with quarterly set-asides.
- Freelancer Tax Calculator — Full set-aside: SE tax, federal income tax and quarterly estimates — 2025 and 2026 tables.
- Rental Property ROI Calculator — Monthly cash flow, cap rate, cash-on-cash return and DSCR for any rental deal.
- Cap Rate Calculator — NOI, cap rate, expense ratio, GRM and the price a deal is worth at your target cap.
- Cash-on-Cash Return Calculator — Annual return on the cash you actually invest, with payback period.
- BRRRR Calculator — Buy, rehab, rent, refinance: see how much cash stays in the deal after the refi.
- House Flipping Profit Calculator — Flip profit after financing, holding and selling costs, plus the 70% rule max offer.
- Debt Payoff Calculator — Months to debt-free and interest saved by adding an extra payment.
- Hourly to Salary Calculator — Convert an hourly wage to annual, monthly, biweekly and weekly pay, with overtime.
How ClearCalc is funded
The site is free to use and supported by advertising, including Google AdSense. Ads never change the results of a calculator, and we don't sell personal information. See our Privacy Policy for details.
Important note
ClearCalc provides educational estimates, not financial, tax, legal or investment advice. Please read our disclaimer and confirm important decisions with a qualified professional.