Smart money math, made simple
Free calculators for the money decisions that matter — from mortgages and retirement to freelancer taxes. No signup, no data collection: everything runs in your browser.
Mortgage Calculator
Monthly payment with taxes, insurance & HOA — plus a full amortization schedule.
🚗Loan Calculator
Car, personal or student loan payments and the true total cost of borrowing.
📈Compound Interest Calculator
Watch deposits plus monthly contributions snowball over the years.
🌴Retirement Calculator
Project your nest egg and the monthly income it could sustain.
🎯Savings Goal Calculator
The exact monthly amount to hit any savings target on time.
💵Salary to Hourly Calculator
Convert annual salary to hourly, daily, weekly and biweekly pay.
🧾Self-Employment Tax Calculator
2026 SE tax for freelancers: Social Security + Medicare, done right.
📅Quarterly Tax Calculator
What to send the IRS each quarter — with deadlines and reminders.
⏱️Freelance Rate Calculator
Work backwards from your target income to the rate you should charge.
Built for real decisions
Every PiggyMath calculator uses the standard formulas taught in finance — the same amortization and compound-interest math used by banks and lenders — and our tax tools are updated with the official 2026 IRS figures: current brackets, the $16,100/$32,200 standard deduction, and the $184,500 Social Security wage base. Drag the sliders, watch the charts move, and get answers in seconds.