🇺🇸 US · 🇨🇦 CA · 🇦🇺 AU
Free financial calculators · US · CA · AU

Financial calculators,
made for the way you live.

Precise mortgage, retirement, and net worth calculators built on the real rules of the United States, Canada, and Australia — fast, accurate, and honest about what every number means.

Explore the calculatorsStart a mortgage estimate
  • Free, no account
  • Runs in your browser
  • Private by design
  • US, Canada & Australia
Choose a calculator
Mortgage Calculator

Estimate your monthly mortgage payment, interest, and loan cost.

Calculate Mortgage
Retirement Calculator

Estimate how much you may need to save for retirement.

Plan Retirement
Net Worth Calculator

Calculate your total assets, liabilities, and net worth.

Calculate Net Worth
Calculator library

Pick a tool. See the real math.

Every calculator applies the country-specific rules you expect — Canadian compounding, stamp duty, local taxes — and shows its assumptions so you can trust the answer.

Mortgage CalculatorUS · CA · AU

Monthly payments, amortization, CMHC, stamp duty, taxes, extra payments, charts and export.

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Retirement CalculatorFuture value

Project your nest egg, inflation-adjusted value, income estimate, goal progress and readiness.

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Net Worth CalculatorBalance sheet

Assets minus liabilities, allocation, debt breakdown, health score, and financial insights.

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CalcVantage Financial Tools

Mortgage Calculator

Calculate your estimated monthly mortgage payment, principal and interest breakdown, and payoff timelines for properties in the US, Canada, and Australia.

Mortgage Parameters

Configure loan, country tax, and extra payment details.

🇺🇸 US Rules

Select country rules for currency, compounding, and local taxes.

Calculations always use the country's native rules; results are displayed in this currency.

$

Property purchase price

$

Amount paid upfront

%

Percentage of price

Calculated Loan Principal$336,000
Principal
%

Annual interest rate

Duration of the mortgage

Scheduled repayment interval

First payment date

Country-Specific Taxes & Costs

%

Estimated property tax rate

$

Annual homeowners insurance

$

Monthly homeowners association dues (US)

Extra Payment Simulator

$

Added to every payment

$

Lump sum payment

$

Paid once per year

Calculation Summary

Standard monthly compounding (US)

Live
Total Monthly PaymentFull PITI
$2,838

Principal, Interest, Taxes & Fees

Monthly Payment BreakdownMonthly
Principal & Interest
$2,178
Property Tax
$385
Home Insurance
$125
HOA Fees
$150
Total Monthly Payment$2,838
One-Time Upfront CostsOne-Time Fee

These are displayed separately from monthly payments. CMHC insurance is typically added to the mortgage amount when financed; stamp duty is typically paid at closing.

No mandatory one-time fees for US standard down payment.
Total Principal
$336,000

Original loan amount

Total Interest Paid
$444,120

Over loan term

Total Loan Cost
$780,120

Principal + Interest

Payoff Date
Aug 2056

Based on start date

Loan Balance & Interest Trajectory

Remaining balance decline over loan term

Remaining Balance
Cumulative Interest
$400k$200k$0Yr 0Yr 15Yr 30

Amortization Schedule

Payment-by-payment breakdown over loan term

Payment #DatePayment (USD)Principal (USD)Interest (USD)Extra (USD)Remaining Balance (USD)
Generating schedule...
About CalcVantage

Financial Calculators for Real-Life Decisions

CalcVantage provides free financial calculators to help you estimate and understand common financial decisions — without an account, without fees, and without sharing your data. Whether you are working out a mortgage payment, planning yourretirement savings, or checking yournet worth, each calculator applies country-specific rules for the United States, Canada, and Australia so the numbers reflect your situation.

The calculators are built to be transparent. Every input is explained, every result is labelled, and the assumptions behind the math are shown — not hidden.

Why CalcVantage

Free Financial Calculators for US, Canada & Australia

CalcVantage provides free financial calculators designed to help you estimate mortgage payments, plan for retirement, and understand your net worth. Our calculators are built with clear assumptions and country-specific considerations to help you understand how each result is calculated.

  • Free to use
  • No account required
  • Privacy-focused calculations
  • Country-specific options
  • Clear calculation methodology
  • Educational tools, not financial advice
How it works

How Our Calculators Work

You enter relevant financial information — loan amount, interest rate, savings balance, asset totals, or other inputs depending on the calculator. Calculations are performed using standard financial formulas and assumptions. Country-specific rules are considered where applicable, such as Canadian semi-annual compounding or Australian stamp duty.

Results are estimates for educational and planning purposes. They should not be considered guaranteed financial outcomes. Before relying on a result, review thecalculation methodology and assumptions that power each calculator.

Calculator overview

Choose a Calculator

Mortgage Calculator

Enter your loan amount, interest rate, and term to estimate your monthly mortgage payment. See how principal, interest, and loan length affect what you pay — and explore the full amortization schedule.

Open Mortgage Calculator
Retirement Calculator

Project how your current savings and regular contributions could grow over time. Adjust your retirement age, expected return, and inflation assumptions to build a picture of your future retirement savings.

Open Retirement Calculator
Net Worth Calculator

List your assets and liabilities to calculate your total net worth. Understand your overall financial position and track how it changes as you pay down debt or grow your savings.

Open Net Worth Calculator
From the blog

Helpful Financial Guides

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CalcVantage calculators provide estimates for educational and informational purposes only. Results may differ from actual financial outcomes and should not be considered financial advice.