Free, instant calculators for debt payoff, retirement planning, health, sleep, and freelance rates. No ads. No email required.
Debt Snowball Calculator
Add your debts. We'll show you the fastest path to freedom using the snowball method — smallest balance first.
Extra Monthly Payment
$
Your Debts
$
$
$
$
Your Payoff Plan
—
Months to debt freedom
Total debt today—
Total interest paid—
Total paid (principal + interest)—
Debt-free date—
Payoff Order
Each time you pay off a debt, roll that payment into the next one. This is the snowball effect.
Retirement Savings Projector
See how your nest egg grows with compound interest over time.
$
$
1%15%
Retirement Projection
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Estimated nest egg at retirement
Years to retirement—
Your contributions—
Employer match value—
Investment growth—
Est. monthly income (4% rule)—
Growth Over Time
BMI & Calorie Estimator
Calculate your Body Mass Index and daily calorie needs based on the Mifflin-St Jeor equation.
Your Health Stats
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BMI Score
UnderNormalOverObese
BMR (at rest calories)—
Daily calories to maintain—
Calories for your goal—
Healthy weight range—
Macros (goal calories)
These are estimates only. Consult a healthcare provider before making dietary changes.
Sleep Cycle Calculator
Wake up at the right time in your sleep cycle to feel refreshed. Each cycle is ~90 minutes.
5 min30 min
Ideal Sleep Times
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Best option (5 cycles)
Sleep in 90-min cycles. Waking mid-cycle causes grogginess — even with more total sleep.
Freelance Rate Calculator
Find your true minimum hourly rate — accounting for taxes, benefits, non-billable hours, and profit.
Income Target
$
Business Expenses (Annual)
$
$
$
Time & Tax
5 hrs60 hrs
30 wks52 wks
15%50%
Your Freelance Rates
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Minimum hourly rate
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Day rate
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Typical project (40 hrs)
—
Monthly retainer
—
Annual revenue needed
Breakdown
Take-home income—
Annual expenses—
Tax provision—
Profit buffer—
Total billable hours/year—
Never quote below your minimum rate. Add 20–30% for rush jobs or clients without retainers.
Disclaimer: All calculations are estimates for educational purposes only. FinClear does not provide financial, medical, or professional advice. Consult a qualified professional before making financial or health decisions. Results may vary based on actual interest rates, market performance, and individual circumstances.