CalcTown

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Money math for real life.

258 free calculators to help you figure out your first car, first apartment, first job paycheck, student loans, credit cards, and everything else adulting throws at you. Zero fluff — just the numbers.

258Calculators
12Categories
$0Forever
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Why should I care about this right now?

Starting at 18 vs 28 If you invest $200/month starting at 18, you'll have ~$1.2M by 65. Wait until 28? Only about $600K. Time beats everything.
Minimum payments = trap Pay only the minimum on a $3,000 credit card at 22%? It'll take 21+ years and cost $5,000 in interest. Ouch.
Student loans add up fast $30k at 7% over 10 years = $348/month and $12,000 in interest. Run the numbers before signing.
Your first paycheck ≠ your salary A $50k salary is more like $38k take-home after taxes. Knowing this prevents nasty surprises.

First Paycheck

See what $50k really becomes after federal + state taxes and FICA.

Car Loan

Monthly payments, total interest, and how much that used Civic really costs.

Compound Interest

The 8th wonder of the world. See why starting young matters so much.

Credit Card Payoff

How long it takes to pay off a $3k balance — spoiler: it's wild.

Save for a Goal

Car, concert, trip — figure out exactly how much to put aside each month.

First House

Someday you'll buy one. See exactly what the monthly payment looks like.

Money IRL SCENARIOS

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Picking a college

Figure out what your student loan payments will actually be before you commit.

Loan PaymentConsolidation529
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Buying your first car

Loan vs lease, new vs used, what can you actually afford without going broke?

Auto LoanBuy vs LeaseDealer vs CU
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Your first job

$50k/year sounds great until taxes happen. See your real take-home pay.

PaycheckHourlyTax Bracket
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Your first apartment

Is renting even cheaper than buying? How much house can you afford later?

Rent vs BuyBudgetDTI
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Credit card reality check

Why paying only the minimum is the worst decision ever. Seriously.

MinimumPayoffTransfer
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Build a million

Starting at 18 with a part-time job — here's how you become a millionaire.

Cool MillionCompoundRoth IRA
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Save for anything

Concert tickets, summer trip, laptop, whatever. Plan it out.

Savings GoalDon't DelayLunch Savings
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What's a 401(k) anyway?

Your future employer will offer this. It's way more important than it sounds.

401(k)Roth vs TradRetire

All Calculators 258 TOTAL