Free mortgage, loan, debt & savings calculators
Watcharu Finance is a free, private set of calculators for the biggest financial decisions — buying a home, taking out a loan, paying off debt, and growing your savings. Every calculation runs right in your browser: nothing is uploaded, nothing is stored, and there's no account to create.
Your saved scenarios
Why Watcharu Finance
Completely free
Every calculator is free to use, with no sign-up and no paywalled results.
Private by design
There's no server for the numbers to go to. Calculations happen entirely on your device.
Shareable results
Your inputs are saved in the page's URL, so a single link reproduces your exact result.
Built on real formulas
The math behind every calculator is tested against externally published, industry-standard figures.
Mortgage & home
Whether you're estimating a monthly payment, sizing how much home you can afford, or deciding if refinancing is worth it, these calculators cover the full lifecycle of a mortgage.
Auto, personal & student loans
Compare a car, personal, or student loan before you sign — see the real monthly payment once sales tax, trade-in value, and fees are factored in, and check the true annual cost with the APR calculator.
Debt payoff
See exactly how long a credit card or loan balance takes to clear, and compare payoff strategies so you can get out of debt faster and pay less interest along the way.
Savings & retirement
Project how contributions grow over time, whether you're saving toward retirement, a 401(k) with an employer match, a child's college fund, or a shorter-term savings goal.
Guides & learning
Plain-language explainers, head-to-head comparisons, and a glossary of financial terms:
Frequently asked questions
Is Watcharu Finance really free?
Yes. Every calculator is free with no sign-up, subscription, or paywall. The site is supported by display ads, not by charging users.
Do you store my financial information?
No. Every calculation runs entirely in your browser using JavaScript — the numbers you enter are never uploaded to a server or stored anywhere. Closing the tab clears everything.
Can I share a calculation with someone else?
Yes. Each calculator encodes your inputs into the page URL, so copying the link and sending it to someone else reproduces the exact same result — no account or database needed.
What calculators does Watcharu Finance offer?
Mortgage and home-buying tools (payment, refinance, affordability, PMI, closing costs, property tax), auto, personal, and student loan calculators (including consolidation and Parent PLUS loans), credit card and debt payoff planners, and savings, retirement, college savings, and compound interest calculators — plus per-state and per-metro versions of the most popular ones.
How accurate are the results?
The underlying math is tested against externally published figures and follows the same amortization and interest formulas lenders use. Results are estimates for planning purposes, not a substitute for a formal quote from a lender or financial advisor.