DayCents
Every formula shown. Every source dated.
150 calculators that show their work: the formula, the assumptions, and the number.
Free · No account · 2026 tax year
Estimated monthly payment
Estimated monthly payment: $2,275
Principal & interest · $360,000 loan · 30-yr fixed
Decisions
What are you trying to decide?
Most money questions need three or four numbers read in the right order, not one. Each of these walks through the calculators that answer it — and says what the result does not settle.
- Can I afford this house?5 calculators
- Should I rent or buy?4 calculators
- Should I refinance my mortgage?4 calculators
- How do I get out of debt?5 calculators
- Should I pay off debt or invest?4 calculators
- How much do I need to retire?5 calculators
- Roth or traditional — which should I use?5 calculators
- What will I actually take home?5 calculators
- Am I saving enough?5 calculators
- Can I afford this car?5 calculators
Popular calculators
The ones people open most
Mortgage Calculator
Payment with taxes, PMI, and a full amortization schedule.
Take-Home Pay Calculator
Your real paycheck after federal, state, and FICA.
Compound Interest Calculator
See contributions snowball year over year.
Debt Payoff Calculator — Snowball vs Avalanche
Snowball vs avalanche, compared head-to-head.
Retirement Calculator
Project your nest egg and the income it sustains.
Auto Loan Calculator
Car payment with sales tax, fees, and trade-in.
Try it here
See what compounding does
A steady monthly habit, left to grow, turns into a number most people underestimate. Move the sliders.
Projected balance at 7% avg return
Projected balance at 7% average return: $156,278
- You contribute
- $72,000
- Growth
- +$84,278
Why DayCents
The category is loud, cluttered and ad-saturated. We built the opposite.
Most finance sites bury the answer under pop-ups, stacked ads, and lead-gen forms. DayCents is a calm, precise instrument: the number you need, the math behind it, and nothing you didn't ask for.
Money math in exact cents
The engine works in integer cents, and every function is checked against published amortization tables and spreadsheet functions before it ships.
Sources you can open
IRS brackets, SSA limits, CFPB guidance: cited and dated on the page that uses them.
Nothing leaves your browser
Calculations run locally as you type. We never see the amounts you enter, because they are never sent to us.
We tell you how we earn
Nothing is sponsored today. When advertising and partner offers arrive they will be labeled where you see them, and neither will move a result.
Fresh guides
Plain-English answers, sources attached
Retirement
How a 401(k) Match Works (Don't Leave Free Money)
An employer 401(k) match is free money — your company adds to your retirement based on what you contribute. Here's how match formulas work, why they come first, and how to capture the full amount.
DayCents Editorial Team · Aug 2026
Mortgages
How to Save for a Down Payment on a House
You don't always need 20% down — but you do need a plan. Here's how much a down payment (and closing costs) really takes, where to keep the money, and how to reach the number faster.
DayCents Editorial Team · Aug 2026
Credit Cards
How Credit Scores Work (and How to Improve Yours)
Your credit score summarizes how reliably you repay debt and shapes the rates you're offered. Here are the five factors that build it, the fastest levers to raise it, and the myths to ignore.
DayCents Editorial Team · Aug 2026
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