Free money calculators, minus the clutter
ClearCalc is a small set of free calculators for the money questions people actually ask: What will my paycheck really look like? What is an overtime shift worth? When will this loan be gone, and when can I afford the thing I am saving for? Each tool takes a few plain numbers, does one job, and shows its answer immediately — no accounts, no sign-up, no email required, and nothing to install.
The tools were built for students juggling part-time jobs, hourly workers picking up extra shifts, and first-time savers opening their first Roth IRA. If you have ever tried to do this math on a phone calculator or the back of a pay stub, these pages are for you. Every result is an estimate based on the numbers you enter, meant to help you plan and compare options — not a substitute for personal financial or tax advice.
Roth IRA Growth Calculator
See what steady monthly contributions can grow into — the magic of compounding, made visible.
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Paycheck Calculator (Estimate)
Hourly pay to take-home estimate. Federal estimate uses 2025 single-filer brackets and the standard deduction; set your state rate yourself. Estimates only — not tax advice.
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Loan Payoff Calculator
Your monthly payment and total interest — plus how much an extra payment each month saves you.
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Savings Goal Calculator
Pick a target — a car, a trip, an emergency fund — and find out exactly when you'll get there.
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Overtime Pay Calculator
What a week with overtime is actually worth, before taxes.
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Why the math matters — and how to use the tools together
Most money stress is really math stress. A loan feels endless until you see its payoff date. Saving feels pointless until you watch small monthly deposits turn into a real number. A paycheck feels mysterious until you can see where the gross pay went. Running the numbers does not make anyone rich overnight, but it replaces guessing with a plan — and a plan you can see is much easier to stick to.
The five tools are designed to chain together. Start with the overtime calculator to see what extra hours actually pay, then run the paycheck calculator to turn that hourly wage into a realistic take-home figure. From there, the loan payoff calculator shows what an extra payment each month does to your interest and your debt-free date, the savings goal calculator turns a leftover amount into a timeline for your next target, and the Roth IRA calculator shows what steady contributions can become over decades. Try a few "what if" versions of each — an extra shift, fifty dollars more a month, a year longer — and watch which small change moves your numbers the most. That is usually the change worth making.