ArkendiaTools
FRGuides

Arkendia Tools

Free money calculators that are clear and need no sign-up

Loans, housing, savings, pay: enter your numbers and get a clear answer with the assumptions spelled out. Every calculator comes with plain-language explanations and its official sources.

Runs in your browser No account needed Official sources cited

Real estate

Home affordability calculator

The home price your income supports, using the 28/36 guideline with taxes and insurance.

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Mortgage payment calculator

Monthly payment with taxes and insurance, total interest and a yearly amortization table.

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Rental property calculator

Cap rate, cash flow after the mortgage and cash-on-cash return for a rental.

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Loans

Auto loan calculator

Payment, total interest and a side-by-side comparison of loan terms.

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Refinance break-even calculator

Find the month a refinance pays for itself, and whether you will still own the loan by then.

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Saving and investing

Compound interest calculator

Final balance, interest earned and inflation-adjusted value with monthly contributions.

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Income and taxes

Paycheck calculator

Take-home pay after federal tax, FICA, 401(k) and state tax, using 2026 rules.

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RMD calculator

Your first required minimum distribution and a year-by-year projection, from the IRS Uniform Lifetime Table.

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How to read these results

These calculators rely on standard formulas (fixed-rate amortization, compound growth, the current year’s official tables) and simple assumptions that are always stated next to the result. They give an order of magnitude for comparing scenarios; they do not replace a lender’s quote or professional advice. For the reasoning behind each topic, see our guides.