Free financial tools, free to use.
Real math. No signup. Your numbers stay in your browser. Built by Canopy because everyone deserves to understand their own money.
Debt Payoff Calculator
See what your minimum credit card payment is costing you — and how just $12 more a month can save you 15 years.
Mortgage Calculator
Monthly payment, total interest over the life of the loan, and the income you need to afford the house comfortably.
Compound Interest Calculator
Watch what small, consistent contributions turn into when interest compounds on top of interest. Hockey-stick included.
True Hourly Wage Calculator
Your stated salary divided by stated hours is one number. After taxes and commute, the real number is often half of that.
Want this with your real numbers?
Canopy is the calculator for your whole financial life.
The math on these pages is the math Canopy runs constantly on your real accounts — your debt payoff date, your true hourly, your investment growth, your mortgage payoff — all updated in real time as your transactions land. Connect your accounts and stop running these calculators by hand.
Try Canopy free →