Vault Calculator is an independent website that offers free, easy-to-use calculators for loans, debt and savings. Our goal is simple: help you see the real numbers behind your money before you make a decision.
What we offer
Money decisions often come down to a few numbers, such as a monthly payment, the total interest, or how long it takes to reach a goal. Our calculators show you those numbers in seconds. You can explore:
- Loans and debt: loan payments, mortgages, auto loans, APR, debt payoff and credit card payoff.
- Savings and growth: compound interest, savings goals, emergency funds and retirement savings.
How our calculators work
Each calculator uses standard, widely used financial formulas. Below every calculator you will find a plain-English explanation of how it works, a worked example with real numbers, and answers to common questions, so you can check the result and understand it, not just copy it.
The calculators run in your web browser. The numbers you type in stay on your device and are not sent to us. You can read more in our Privacy Policy.
What we care about
- Clarity. Simple pages, clear results and no confusing jargon.
- Accuracy. We test our calculators against known examples and fix errors when we find them.
- Honesty. We are clear that results are estimates and not financial advice. See our Disclaimer.
How the website is funded
Our calculators are free to use. To cover the costs of running the website, we show advertising, including ads from Google AdSense. Ads are separate from our calculators and content, and they do not change the results you see.
Get in touch
Found a mistake, or have an idea for a new calculator? We would like to hear from you. Visit our Contact page.