Sigma Calculator — 80+ Free Tools

Financial Calculators

Take control of your money with Sigma Calculator’s free financial calculators. Compare loans, grow your savings, and plan for the future — every calculation is instant, accurate, and works on any device. No sign-up, no fees, ever.

Available Financial Calculators

- - - 401(k) Calculator — Project your retirement savings with employer match and compound growth.
    - Adding Machine Calculator — Add long columns of numbers quickly and accurately.
    - Amortization Calculator — Monthly payment, total interest and full loan payoff schedule.
    - Amortization (Equal Principal) Calculator — Loan amortization with equal principal payments.
    - Annuity Calculator — Calculate present and future values of annuities.
    - Annuity on $1 Table Creator — Generate annuity factor tables for one dollar.
    - Annuity Payout Calculator — Estimate payouts from an annuity investment.
    - APR Calculator — Compute the true annual percentage rate of a loan.
    - Auto Lease Calculator — Estimate monthly auto lease payments and total cost.
    - Auto Loan Calculator — Estimate monthly car payments and total loan cost.
    - Average Return Calculator — Calculate average returns across investments.
    - Basic APR Calculator — Simple annual percentage rate calculation.
    - Bid-Ask Calculator — Compute bid-ask spreads and percentages.
    - Boat Loan Calculator — Estimate monthly boat loan payments.
    - Bond Calculator — Price bonds and compute yield to maturity.
    - Budget Calculator — Track monthly income vs expenses and find your savings rate.
    - Business Loan Calculator — Estimate business loan payments and total cost.
    - CAGR Calculator — Compute compound annual growth rate.
    - Cash Back or Low Interest Calculator — Compare cashback offers against low-interest financing.
    - CD Calculator — See how your certificate of deposit grows with compound interest over time.
    - Change Calculator — Calculate change due with bill and coin breakdown.
    - Checkbook Balance Calculator — Track your checkbook balance with ease.
    - Checkbook Calculator — Manage checkbook transactions and balances.
    - College Cost Calculator — Project future college costs and required savings.
    - Commission Calculator — Calculate sales commissions in seconds.
    - Compound Interest Calculator — Project compound growth of your savings and investments over time.
    - Compound Interest (Periodic) Calculator — Compound growth with periodic contributions.
    - Credit Card Calculator — Estimate credit card payments and interest charges.
    - Credit Card Payoff Calculator — Build a plan to pay off credit card debt.
    - Currency Appreciation/Depreciation Calculator — Measure currency value changes over time.
    - Currency Converter — Convert USD, EUR, GBP, PKR, INR, AED, CAD, AUD and JPY instantly.
    - Debt Consolidation Calculator — See if consolidating your debts saves money.
    - Debt Payoff Calculator — Create a payoff plan for all your debts.
    - Debt Ratios Calculator — Analyze key debt ratios for financial health.
    - Debt-to-Income Ratio Calculator — Calculate your debt-to-income ratio.
    - Deferred Fixed Annuity Calculator — Project deferred fixed annuity growth.
    - Depreciation (Activity Method) Calculator — Depreciation based on asset usage or activity.
    - Depreciation Calculator — Calculate asset depreciation over its useful life.
    - Depreciation (Declining Balance) Calculator — Declining balance depreciation method.
    - Depreciation (Double Declining) Calculator — Double declining balance depreciation.
    - Depreciation (Fixed Declining) Calculator — Fixed declining balance depreciation.
    - Depreciation (Real Estate) Calculator — Depreciation for real estate property.
    - Depreciation (Straight Line) Calculator — Straight-line depreciation method.
    - Depreciation (Sum of Years Digits) Calculator — Sum-of-years-digits depreciation method.
    - Depreciation (Units of Production) Calculator — Depreciation based on units produced.
    - Depreciation (Variable Declining) Calculator — Variable declining balance depreciation.
    - Discount Calculator — Sale prices, stacked discounts and final price with tax.
    - Down Payment Calculator — Calculate required down payments for purchases.
    - Effective Annual Rate Calculator — Convert nominal rates to effective annual rates.
    - Effective Interest Rate Calculator — True interest rate including compounding effects.
    - EMI Loan Calculator — Calculate equated monthly installments for loans.
    - Equivalent Interest Rate Calculator — Convert between equivalent interest rates.
    - Estate Tax Calculator — Estimate estate tax liability.
    - FHA Loan Calculator — Estimate FHA mortgage payments and insurance costs.
    - Finance Calculator — General-purpose financial calculations.
    - Fuel Cost Calculator — Estimate fuel costs for any trip.
    - Future Value (Basic) Calculator — Basic future value of a lump sum.
    - Future Value Calculator — Project the future value of investments.
    - Future Value of $1 Annuity Table Creator — Generate future value annuity tables.
    - Future Value of $1 Table Creator — Generate future value factor tables.
    - Future Value of Annuity Calculator — Future value of regular annuity payments.
    - Future Value of Cash Flows Calculator — Future value of uneven cash flows.
    - Future Value of Present Sum Calculator — Grow a present sum to its future value.
    - Gross Pay Calculator — Calculate gross pay from hours or salary.
    - HELOC Calculator — Estimate home equity line of credit payments.
    - Home Equity Loan Calculator — Estimate home equity loan payments.
    - Hourly to Salary Calculator — Convert hourly wages to annual salary.
    - House Affordability Calculator — Find the max home price you can afford with the 28/36 lending rule.
    - How Much Car Can I Afford Calculator — Determine your affordable car price range.
    - How Much House Can I Afford Calculator — Determine your affordable home price range.
    - How Much Loan Can I Afford Calculator — Determine the loan amount you can afford.
    - Income Tax Calculator — Estimate your 2024 US federal income tax, marginal bracket and take-home pay.
    - Inflation Calculator — See how inflation raises future prices and erodes your money’s buying power.
    - Interest Calculator — Compute simple and compound interest with flexible compounding options.
    - Interest-Only Mortgage Calculator — Payments for interest-only mortgages.
    - Interest Rate Calculator — Solve for the interest rate in any scenario.
    - Interest Rate on $1 Table Creator — Interest rate tables for one dollar.
    - Investment Calculator — Project compound growth of your portfolio with monthly contributions.
    - Investment Inflation Calculator — Adjust investment returns for inflation.
    - IRA Calculator — Project IRA retirement savings growth.
    - IRR Calculator — Calculate the internal rate of return.
    - Layaway Plan Calculator — Plan layaway payments and payoff schedules.
    - Lease Calculator — Estimate lease payments and total cost.
    - List Price Markdown Calculator — Calculate markdowns from list prices.
    - Liquidity Ratios Calculator — Key liquidity ratios for business analysis.
    - Loan Calculator — Estimate monthly payments, total interest, and payoff timelines for any loan.
    - Loan Repayment Calculator — Plan your loan repayment schedule.
    - Margin Calculator — Calculate profit margins and markups.
    - Markup Calculator — Calculate selling price markups.
    - Marriage Tax Calculator — Compare married filing tax scenarios.
    - Money Calculator — Count bills and coins to total your cash.
    - Mortgage Amortization Calculator — Full amortization schedule for your mortgage.
    - Mortgage Calculator — Estimate monthly mortgage payments with taxes, insurance and total interest.
    - Mortgage Calculator with Taxes & Insurance — Mortgage payments including property taxes and insurance.
    - Mortgage Payoff Calculator — Plan an early mortgage payoff strategy.
    - Mortgage Repayment Calculator — Mortgage repayment timelines and schedules.
    - Mutual Fund Calculator — Project mutual fund investment growth.
    - Net Present Value Calculator — Calculate net present value of investments.
    - Nominal Interest Rate Calculator — Convert an effective annual rate into its nominal equivalent for any compounding frequency.
    - Operations Ratios Calculator — Measure operational efficiency with key ratios.
    - Payback Period Calculator — Calculate investment payback periods.
    - Pension Calculator — Estimate pension benefits and payout options.
    - Percent Off Calculator — Find sale prices and savings from percent-off discounts.
    - Periodic Interest Rate Calculator — Convert an annual rate into its per-period equivalent.
    - Personal Loan Calculator — Estimate personal loan payments and costs.
    - Present Value Calculator — Discount future amounts to present value.
    - Present Value of $1 Table Creator — Generate a custom present value of $1 table.
    - Present Value of Annuity Calculator — Find what a stream of equal payments is worth today.
    - Present Value of Annuity Table Creator — Generate present value of annuity factor tables.
    - Present Value of Cash Flows Calculator — Discount a series of future cash flows back to today’s dollars.
    - Present Value of Future Sum Calculator — Find out what a future lump sum is worth in today’s dollars.
    - Price Calculator — Set profitable selling prices from cost and markup.
    - Profit Calculator — Calculate profit from revenue and costs.
    - Profit Goal Calculator — Find how many units you must sell to reach a profit target.
    - Profit Margin Calculator — Calculate profit margin percentage from revenue and cost.
    - Profitability Ratios Calculator — Analyze gross, operating, and net margin ratios.
    - Property Tax Calculator — Estimate annual and monthly property taxes.
    - Refinance Calculator — Compare your current loan vs a new rate, monthly savings and break-even.
    - Rent vs Buy Calculator — Compare total renting costs against buying costs and equity built.
    - Retirement Calculator — Project your nest egg and safe monthly income via the 4% rule.
    - RMD Calculator — Find your required minimum distribution.
    - ROI Calculator — Calculate return on investment percentages.
    - Salary Calculator — Convert pay between hourly, weekly, bi-weekly, monthly and annual rates.
    - Sales Tax Calculator — Add sales tax to any price or extract tax from a total.
    - Savings Calculator — Project savings growth with regular contributions.
    - Simple Interest Calculator — Calculate simple interest quickly.
    - Student Loan Calculator — Calculate monthly student loan payments, total interest and payoff time.
    - Tip Calculator — Calculate tips and split bills fairly.
    - Real Estate Calculator — Estimate property value from rental income and cap rate.
    - Rent Calculator — Find affordable rent based on your income.
    - Rental Property Calculator — Cash flow, cap rate & cash-on-cash return.
    - Retirement Savings Calculator — Project your retirement nest egg growth.
    - Reverse Sales Tax Calculator — Back out sales tax from a total price.
    - Roth IRA Calculator — Project tax-free Roth IRA growth.
    - Rule of 72 Calculator — Years to double your money at any rate.
    - Salary Inflation Calculator — See your salary’s future purchasing power.
    - Salary to Hourly Calculator — Convert annual salary to hourly wage.
    - Sale Price Calculator — Sale price and savings from any discount.
    - Sales Calculator — Revenue, profit & margin from units sold.
    - Savings Goal Calculator — Monthly deposit needed to hit your goal.
    - Selling Price Calculator — Set prices for a target profit margin.
    - Service Tax Calculator — Tax and total on any service bill.
    - Social Security Calculator — Estimate monthly Social Security benefits.
    - State & Local Sales Tax Calculator — Split tax into state and local portions.
    - Stock Ratios Calculator — P/E, P/B, dividend yield & earnings yield.
    - Take-Home Paycheck Calculator — Net pay after all deductions.
    - VA Mortgage Calculator — VA loan payment with funding fee.
    - BAH Calculator
    - VA Disability Calculator
    - COAST FIRE Calculator
    - Child Support Calculator
    - Cost of Living Calculator
    - EMI Calculator
    - Payroll Calculator
    - CRS Calculator

Frequently Asked Questions

Are these financial calculators really free?

Yes — every calculator on Sigma Calculator is 100% free. No sign-up, no hidden charges — just open any calculator in your browser.

What financial calculators are available?

Loans, mortgages, retirement, investing, taxes, and budgeting — over 100 free tools for every money decision.

How accurate are the loan calculations?

Very accurate — they use standard amortization formulas. Your lender’s exact figures may vary slightly due to fees and rounding.

Is my financial data safe?

Yes — all calculations run in your browser. Nothing you enter is sent to or stored on our servers.

Do these calculators work on mobile?

Yes — every calculator is 100% mobile friendly and works instantly on any phone, tablet, or desktop.