Money, Made Simple.
Understand your money, explore financial possibilities, and make more informed decisions with free, easy-to-use financial calculators.
Free forever. No account needed. Calculations run in your browser.
Featured calculator
Compound Interest Calculator
- Starting with
- $1,000
- Adding monthly
- $200
- 8% for 20 yrs →
- $122,731
An example projection — change every number yourself in the live calculator. Estimates only, not predictions.
Popular calculators
Start with what most people need
Six working tools, each with its own tested calculation engine. Every card links to a real, working page.
Grow your money
Compound Interest Calculator
Estimate compound growth with an initial investment, regular contributions, an annual return assumption, and an investment period.
Pay off debt
Loan / EMI Calculator
Estimate monthly loan payments, total interest, and the year-by-year payoff schedule.
Manage your budget
Budget Planner
Plan monthly income, spending, and savings — and see your savings rate.
Pay off debt
Debt Payoff Calculator
Compare snowball vs. avalanche payoff plans and find your debt-free date.
Understand your finances
Inflation Calculator
See how inflation affects purchasing power over time and what future prices could look like.
Plan for the future
Retirement Calculator
Project long-term retirement savings from your contributions, returns, and time horizon.
Browse by goal
Find the right tool for your question
Five goals, ten tools — each calculator lives in exactly one group, so links never mislead.
Grow your money
Watch savings compound and compare investment outcomes.
Manage your budget
Plan monthly spending and build a safety buffer.
Pay off debt
Escape debt faster and understand borrowing costs.
Plan for the future
Set targets for retirement and life's big goals.
Understand your finances
See what money is really worth, today and over time.
How StickMoney works
Three steps to clearer numbers
Choose a financial tool
Pick the calculator that matches your question — growing money, budgeting, debt, or planning ahead.
Enter your assumptions
Type in your own numbers. Everything runs in your browser; nothing is sent or stored anywhere.
Explore the estimated results
Adjust the inputs and watch charts, tables, and totals update. Results are estimates, not guarantees.
Learn
Understand the ideas behind the numbers
Short, plain-language guides written for this site — no filler, no hype.
Investing basics
What investing is, why returns compound, and how beginners can think about risk and time.
Compound Interest Explained
How compounding works, with a worked numerical example you can reproduce.
Budgeting for Beginners
Track income and expenses, find your savings rate, and build a monthly plan.
Debt Snowball vs. Debt Avalanche
Two payoff strategies compared with real numbers, plus their trade-offs.
How to Build an Emergency Fund
A practical framework for estimating a savings target you can actually reach.
Retirement planning
Why time matters more than timing, and how small regular contributions add up.
Honest numbers, clearly explained
- Every result is an estimate from assumptions you enter — not a prediction or a guarantee.
- Every calculation runs in your browser — your numbers are never sent to a server or stored anywhere.
- Our formulas are documented publicly on the methodology page, and every calculator is covered by automated tests.
- StickMoney is for general education. It is not personalized financial advice — see the disclaimer.