Welcome to CalcLabHQ — your free resource for accurate, easy-to-use online calculators. Whether you're planning for retirement, calculating mortgage payments, tracking your investments, or managing debt, our tools help you make informed financial decisions without the complexity.
All calculations happen directly in your browser — your data stays private and never leaves your device. No sign-ups, no paywalls, just helpful tools. Browse our 50+ free calculators below organized by category.
Retirement & FIRE
FIRE Calculator
Calculate your path to financial independence
401k Retirement Calculator
Project your 401k growth to retirement
401k Match Calculator
Maximize your employer match
Roth vs 401k Calculator
Compare Roth and traditional 401k
Retirement Savings Calculator
See if you're saving enough
Retirement Readiness Calculator
Check if you're on track to retire
Advanced Retirement Calculator
Detailed retirement planning
Withdrawal Rate Calculator
Compare 60/40 vs 90/10 portfolios
Annuity vs Lump Sum
Compare pension payout options
Investment
SIP Calculator
Plan your systematic investments
Step-Up SIP Calculator
SIP with annual increase
SIP Inflation Calculator
Inflation-adjusted SIP returns
Goal-Based SIP Calculator
Calculate SIP for your goals
Compound Interest Calculator
See the power of compounding
Inflation-Adjusted Returns
Real returns after inflation
Stock Returns Calculator
Calculate stock investment returns
Mutual Fund Cost Calculator
Understand fund expenses
Expense Ratio Comparison
Compare fund expense ratios
Mortgage & Home
Debt & Credit
Savings & Budget
Emergency Fund Calculator
How much emergency savings?
50/30/20 Budget Calculator
Simple budgeting rule
Monthly Expense Calculator
Track your monthly spending
College Savings Calculator
Plan for education costs
College Savings Monte Carlo
Probability-based planning
529 Plan vs Brokerage
Compare college savings options
Trump Accounts Calculator
New tax-advantaged accounts
Health & Fitness
Tax (India)
Cost of Living & Salary
Date & Utility
Other Tools
Why Choose CalcLabHQ?
100% Private
Your data never leaves your browser. All calculations happen locally on your device.
Always Free
No paywalls, no premium tiers, no hidden costs. Every calculator is completely free to use.
Accurate Results
Built with industry-standard formulas used by financial professionals and institutions.
Works Everywhere
Fully responsive design works on desktop, tablet, and mobile. No app download required.