Free personal finance calculators.
Quick estimates for everyday borrowing decisions. Run a few scenarios before you talk to a lender.
Loan Calculator
Estimate the monthly payment, total interest, and total cost of a personal loan.
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Mortgage Calculator
Project a monthly mortgage payment from home price, down payment, term, and rate.
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Credit Card Payoff Calculator
See how long it will take to pay off a balance and how much interest you will pay.
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Savings Calculator
Project savings growth from monthly contributions and compounding interest.
Open savings calculator →These calculators produce estimates only. Actual rates, terms, fees, and amortization are set by individual lenders.
Numbers you can check before anyone runs your credit.
Cash Zella's calculators let you see the real math behind a borrowing decision before you commit to anything. Each one runs in your browser, takes a few seconds, and asks for nothing more than the figures you already know. There is no account, nothing saved, and no credit check, because these are estimate tools rather than applications.
The loan and mortgage calculators turn a rate and a term into a real monthly payment and total cost, the credit card payoff calculator shows how long minimum payments drag on, and the savings calculator turns steady contributions into a balance that compounds over years. None of them approve or price a loan, so the point is to walk into a real conversation already knowing what fits your budget.