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Personal Finance Calculators

Try out our most-popular budgeting calculator, see how long it will take to reach your savings goals and take our free quiz to learn your money personality.

Our calculators are built to give you financial guidance that makes sense no matter where you are in your journey.

  • Built by Nerds

    Every calculator is built and reviewed by NerdWallet's writers and editors — real people with decades of expertise.

  • Always up to date

    Rates, limits and formulas are reviewed regularly, so you're never calculating with stale numbers.

  • Free and unbiased

    No sign-ups, no strings. Results are never influenced by business relationships.

Tommy Tindall, Lead Writer at NerdWallet.

Tommy Tindall, Lead Writer at NerdWallet.

Money Personality Quiz and our latest budgeting news

What’s Your Money Personality? Take Our Quiz to Find Out

There are four common money approaches: worship, avoidance, vigilance and status.

Oct. 6 Is National Taco Day — Here Are the Spiciest Deals

Restaurants and taco chains nationwide are celebrating with BOGO tacos, discounts and free food with a minimum purchase — or a taco costume.

I Have One Rule for Shopping Amazon Prime Day — and It Saves Me Big

No splurging, no regrets — just restocking the stuff I’d buy anyway at a discount.

Can Pretend Shopping Help You Spend Less?

Dopamine sites let you shop without spending a penny. But they might not keep you from pulling out your credit card anyway.

National Coffee Day: Where to Find Free Coffee and Deals on Sept. 29

Retailers include Dunkin', Caribou Coffee, DoorDash — and even Whataburger.

What AI Can (and Can’t) Do for Your Shopping

AI can help you research products and narrow your choices, but don’t trust it to reliably find the lowest price or a working coupon code.

Financial Literacy Quiz and our latest on your financial health

Financial Literacy Quiz: How Much Do You Know About Money?

Test your understanding of financial concepts, and find resources to build your knowledge.

Can Redditors (and Experts) Help You Spend Less on Groceries?

Rethink your shopping habits and leverage loyalty programs to cut food costs.

Should You Shop Incognito to Get Better Deals? Plus, More September Money Questions

The Nerds explore how to save money when online shopping, when to use AI for financial planning and the logistics of lending money to a friend.

Wellness on a Budget: How to Stay Fit for Less

Getting healthy doesn’t have to cost a lot, especially when you incorporate free trials and discounts.

Asked on Reddit: How Can I Stop Living Paycheck to Paycheck?

Financial experts weigh in with some tried-and-true advice for getting ahead during expensive times.

5 Ways to Slash Back-to-School Spending

Saving money on essential school supplies is especially important as consumers face higher prices on everyday items.

Holiday Shopping Quiz and shopping tips

Quiz: What’s Your Holiday Shopping Personality?

Some of us are planners and some of us are ... not. Which camp do you fall in?

2026 Back-to-School Shopping Report: Spending Down, But Costs Add Up

Anticipated back-to-school spending has decreased by $130, on average, since last year, but school year costs and pressure add up, according to NerdWallet’s annual survey.

Why ‘No Spend January’ Has Become My Annual Tradition

I don’t spend on nonessentials in the month of January and have three habits that keep me in check.

2025 Holiday Spending Report

Holiday shoppers plan to spend nearly $200 more, on average, on gifts this year than last year, potentially due to tariff-related price increases, a new NerdWallet survey finds.

2025 Back-to-School Shopping Report

Many back-to-school shoppers plan to combat tariff-related price increases by changing the way they shop for the upcoming school year, NerdWallet’s annual survey finds.

Data: Retail Therapy is Common — How to Curb It

Three in 10 (30%) Americans say they’ve spent money on items to improve their mood in the past 12 months.

Find Your Best Side Hustle!

Quiz: What’s the Best Way to Make Money?

Answer these questions to get winning lottery numbers (OK, not really. But you can hit a jackpot in a way by finding a good side hustle for you!).

Is It Time to Declutter Your Life (and Your Brain)?

Tips on selling the stuff that's stuffing up your life, from a guy who's sold a lot of stuff.

I Made $500 at My First Garage Sale — Here Are a Few Tips You Can Take to the Bank

I wasn’t sure a garage sale would be worth it — until we earned $500. Here’s how we maximized our money, and what I learned about selling.

Real Talk on 8 Realistic Side Hustles

Read what actual humans have to say about these money-making gigs. Decide for yourself if they're worth it.

Top Freelance Websites to Start Your Side Hustle

While the most popular freelance websites can be a grind, they are a good way to get your feet wet with independent work, according to Redditors.

Taskrabbit Jobs: What Real Taskers Say

Could Taskrabbit lead to more than gig work? Take these tips from top-notch Taskers.

Author insights

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