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Pulsafi
Free Financial Tools

Every Calculator You Need

Professional-grade financial calculators — free forever, no signup required. From mortgages to retirement to crypto.

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Mortgage Calculator

Real Estate

Calculate monthly mortgage payments including principal, interest, taxes, insurance, and HOA. See amortization schedules and total cost of ownership.

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Compound Interest Calculator

Investing

See how your money grows over time with compound interest. Adjust starting amount, monthly contributions, return rate, and time horizon.

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FIRE Calculator

Retirement

Find out when you can achieve financial independence and retire early. Factors in current savings, monthly contributions, expenses, and expected returns.

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Debt Payoff Calculator

Debt

Calculate how long it'll take to pay off debt and how much interest you'll pay. Compare avalanche vs snowball strategies.

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Salary Breakdown Calculator

Income

See your real take-home pay after federal tax, state tax, FICA, 401(k) contributions, and deductions.

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Investment Comparison Tool

Investing

Compare returns across savings accounts, bonds, S&P 500, and growth stocks over any time horizon.

Crypto Investment Planner

Crypto

Model crypto investment outcomes across conservative, moderate, aggressive, and bear case scenarios with DCA support.

Opportunity Cost Calculator

Budgeting

See what any purchase would be worth if you invested the money instead. Presets for daily coffee, luxury items, car payments, and more.

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Net Worth Calculator

Wealth

Track your total assets minus liabilities to see your true financial picture. Includes categories for investments, property, cash, and debt.

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Financial Health Score

Health

Get a personalized financial health score based on your savings rate, debt-to-income ratio, emergency fund, and investing habits.

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Rent vs Buy Calculator

Real Estate

Compare the true cost of renting vs buying a home. Accounts for appreciation, opportunity cost of your down payment, taxes, maintenance, and more.

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Student Loan Payoff Calculator

Debt

Calculate your student loan payoff timeline. See how extra payments save you thousands in interest. Compare federal vs private loan strategies.

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Emergency Fund Calculator

Savings

Find out exactly how much you need in your emergency fund based on your expenses, job stability, and dependents. Track your progress.

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Budget Calculator

Budgeting

Build a personalized budget using 50/30/20, 70/20/10, 80/20, or custom ratios. See where your money goes with visual breakdowns.

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