{"version":"1.9","identifier":"86e9d944-a775-487e-b297-e703e2a6988e","language":"en-US","title":"Points Frog's 26 free money calculators, from mortgages to retirement","layout":{"columns":7,"width":1024,"margin":32,"gutter":20},"componentLayouts":{"text":{"columnStart":0,"columnSpan":7,"maximumContentWidth":720,"margin":{"top":12,"bottom":12}},"photo":{"columnStart":0,"columnSpan":7,"margin":{"top":20,"bottom":20}}},"componentTextStyles":{"default":{"fontName":"HelveticaNeue","fontSize":18,"lineHeight":29,"textColor":"#171717"},"headline":{"fontName":"HelveticaNeue-Bold","fontSize":36,"lineHeight":42,"conditional":[{"conditions":{"maxViewportWidth":480},"fontSize":28,"lineHeight":34}]},"intro":{"fontName":"HelveticaNeue","fontSize":20,"lineHeight":28,"textColor":"#555555"},"caption":{"fontName":"HelveticaNeue","fontSize":13,"lineHeight":19,"textColor":"#666666"},"byline":{"fontName":"HelveticaNeue","fontSize":13,"lineHeight":20,"textColor":"#666666"},"body":{"fontName":"HelveticaNeue","fontSize":18,"lineHeight":29,"paragraphSpacingAfter":14,"linkStyle":{"textColor":"#00704a"}}},"metadata":{"canonicalURL":"https://www.pointsfrog.com/news/points-frog-free-money-calculators-retirement-mortgages-debt-and-more","datePublished":"2026-10-18T23:51:00.649059Z","dateModified":"2026-10-19T00:06:47.689203Z","authors":["Points Frog Editorial"],"excerpt":"Every calculator runs in your browser, shows its sources and the date they were checked, and can go on your own site for free.","thumbnailURL":"https://pub-fac99da959e344fe99d810d309cef7df.r2.dev/photos/article/86e9d944-a775-487e-b297-e703e2a6988e/3c4afdec76bc15880423bf0ca50eed90.jpg","keywords":["other"],"generatorName":"Frog News","generatorVersion":"1.0"},"components":[{"role":"title","text":"Points Frog's 26 free money calculators, from mortgages to retirement","textStyle":"headline","layout":"text"},{"role":"intro","text":"Every calculator runs in your browser, shows its sources and the date they were checked, and can go on your own site for free.","textStyle":"intro","layout":"text"},{"role":"byline","text":"By Points Frog Editorial · Published October 18, 2026","textStyle":"byline","layout":"text"},{"role":"photo","URL":"https://pub-fac99da959e344fe99d810d309cef7df.r2.dev/photos/article/86e9d944-a775-487e-b297-e703e2a6988e/3c4afdec76bc15880423bf0ca50eed90.jpg","caption":"The keypad of an old desktop calculator, with its decimal point, store and recall keys. · Marcin Wichary, CC BY 2.0 (Wikimedia Commons)","accessibilityCaption":"The keypad of an old desktop calculator, with its decimal point, store and recall keys.","layout":"photo"},{"role":"caption","text":"The keypad of an old desktop calculator, with its decimal point, store and recall keys. · Marcin Wichary, CC BY 2.0 (Wikimedia Commons)","textStyle":"caption","layout":"text"},{"role":"body","format":"markdown","text":"Points Frog now has 26 free money calculators. They answer the questions people ask before a big decision: Can I afford this house? Am I saving enough to retire? How long will this card take to pay off? Each one runs in your browser. Nothing you type is sent to us, and none of them asks you to sign up.\n\nEvery calculator also has its own page that explains the math and names its data, with the date it was checked. The [calculators page](https://www.pointsfrog.com/calculators) lists them all. Here is what each group does.\n\n## Home and mortgages\n\nThe [mortgage calculator](https://www.pointsfrog.com/mortgage-calculator) shows your monthly payment with property tax and insurance. It also lays out a year-by-year amortization schedule and what extra payments save. The [15 vs 30-year mortgage calculator](https://www.pointsfrog.com/15-vs-30-year-mortgage-calculator) compares the two most common loan terms side by side. The [refinance calculator](https://www.pointsfrog.com/mortgage-refinance-calculator) finds your new payment and the month a refinance breaks even.\n\nThree more help before you buy. The [home affordability calculator](https://www.pointsfrog.com/home-affordability-calculator) works out the price you can pay under the 28/36 rule and shows how each change in rates moves it. The [house poor calculator](https://www.pointsfrog.com/house-poor-calculator) checks your housing costs against the 30% line HUD uses. The [rent vs buy calculator](https://www.pointsfrog.com/rent-vs-buy-calculator) tracks net worth both ways, year by year, and finds the break-even year.\n\n## Retirement\n\nThe [retirement calculator](https://www.pointsfrog.com/retirement-calculator) grows what you have saved to your retirement age in today's dollars. It shows a steady case and an optimistic case based on S\\&P 500 history. The [FIRE calculator](https://www.pointsfrog.com/fire-calculator) finds your FIRE number and the age you could reach it, with Lean, Coast and Fat FIRE. The [401(k) match calculator](https://www.pointsfrog.com/401k-match-calculator) checks whether you get your full employer match under the 2026 limits. The [Social Security calculator](https://www.pointsfrog.com/social-security-claiming-age-calculator) compares claiming at any age from 62 to 70.\n\n## Saving and investing\n\nThe [compound interest calculator](https://www.pointsfrog.com/compound-interest-calculator) shows how monthly additions and compounding grow a balance, with the rule of 72. The [savings goal calculator](https://www.pointsfrog.com/savings-goal-calculator) works backward from a goal and a date to a monthly amount. The [emergency fund calculator](https://www.pointsfrog.com/emergency-fund-calculator) sizes a cushion of three to six months of essentials, or more. The [inflation calculator](https://www.pointsfrog.com/inflation-calculator) shows what $100 from any year since 1913 is worth today, from the consumer price index.\n\n## Loans and debt\n\nThe [car loan calculator](https://www.pointsfrog.com/car-loan-calculator) shows your payment and the total interest from 36 to 84 months. The [credit card payoff calculator](https://www.pointsfrog.com/credit-card-payoff-calculator) finds your payoff date and compares the debt snowball with the debt avalanche.\n\n## Income and net worth\n\nThe [income percentile calculator](https://www.pointsfrog.com/income-percentile) ranks an income against people your age, in the US or any state, from Census survey data. The [salary to hourly calculator](https://www.pointsfrog.com/salary-to-hourly-calculator) converts pay both ways, with paychecks and overtime. The [net worth calculator](https://www.pointsfrog.com/net-worth-calculator) compares your net worth with the median and mean for your age from the Federal Reserve. The [country comparison](https://www.pointsfrog.com/compare-countries) puts any two countries side by side on GDP, prices and income, from World Bank data.\n\n## Cards, points and travel\n\nThese use Points Frog's own value for each rewards program. The [best credit card calculator](https://www.pointsfrog.com/best-credit-card-for-my-spending) ranks popular rewards cards by what they would earn on your spending, after fees. The [annual fee calculator](https://www.pointsfrog.com/credit-card-annual-fee-calculator) weighs a card's credits, lounge visits and points against its fee. The [cents per point calculator](https://www.pointsfrog.com/cents-per-point-calculator) checks whether a redemption is a good deal. The [lounge access calculator](https://www.pointsfrog.com/lounge-access-calculator) compares day passes, Priority Pass and a card. The [travel budget calculator](https://www.pointsfrog.com/travel-budget-calculator) adds up a trip in dollars and the local currency.\n\n## And one for fun\n\n[Is he out there?](https://www.pointsfrog.com/is-he-out-there) counts how many US adults fit a dating list by age, income, height and more, from Census and CDC data. It gives no scores and no judgment, just the numbers.\n\n## Where the numbers come from\n\nThe calculators use public data and say so on each page. Mortgage rates come from Freddie Mac's weekly survey. Income ranks use the Census Bureau's American Community Survey. Net worth uses the Federal Reserve's Survey of Consumer Finances, and inflation uses the Bureau of Labor Statistics. Each page shows the date its figures were last checked. The results are educational estimates, not financial advice.\n\n## Use them on your own site\n\nEvery calculator can go on a blog or website for free. Copy the code from the panel under the calculator and paste it into your page. It sizes itself and carries no ads or tracking. The [embed guide](https://www.pointsfrog.com/calculators/embed) shows where to paste it in WordPress, Squarespace and other site builders.\n\n## Related reading\n\n* [All money calculators](https://www.pointsfrog.com/calculators)\n* [A 25% transfer bonus saves 20% of the points for the same award](https://www.pointsfrog.com/news/a-25-transfer-bonus-saves-20-of-the-points-for-the-same-award)","textStyle":"body","layout":"text"}]}