FinCalc

Free, fast, privacy-friendly financial calculators. Open the page, type your numbers, get an answer — no accounts, no email, no tracking beyond anonymous page-view counts.

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Calculators

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Compound Interest

Future value with optional periodic contributions. Includes a growth chart and period-by-period schedule.
%

Present Value

Discount a future amount to today's value. Useful for evaluating lump sums you will receive later.
$

Loan / Mortgage

Monthly payment and full amortization schedule. Model extra payments to see payoff time and interest saved.
Δ

NPV / IRR

Discount-cash-flow analysis for any series of cash flows. Add or remove periods, see the IRR solve.

Why FinCalc

No accountsNothing to sign up for. Nothing to remember.
Client-side mathAll numbers stay in your browser. No server, no logs of your inputs.
Shareable URLsEncode your inputs into a link and send it to a colleague.
Dark modeRespects your system preference; toggle to override.
Mobile friendlyResponsive layout that works on phone, tablet, and desktop.
AccessibleKeyboard navigation, ARIA live regions, focus rings, reduced-motion support.

Frequently asked questions

Is FinCalc really free?

Yes. Every calculator on FinCalc is free to use, with no account required and no email capture. We keep the lights on via privacy-respecting, cookie-free analytics.

Do you store my inputs?

No. All calculations run in your browser. Your inputs never leave your device. The only state we remember locally is your theme and currency preference (in your browser's localStorage).

Can I share a calculation with someone else?

Yes. Every calculator has a Copy share link button that encodes your current inputs into the URL fragment (the part after #). The recipient sees the same numbers you did.

Which formula does the Compound Interest calculator use?

For a starting principal PV, periodic rate r, number of periods n, and end-of-period contribution PMT:

FV = PV × (1 + r)n + PMT × ((1 + r)n − 1) / r (when r > 0).

Is FinCalc financial advice?

No. FinCalc is an educational tool. We apply standard textbook formulas, but we make no warranty as to accuracy or fitness for your specific situation. Always consult a qualified professional before making financial decisions. See our disclaimer.