About CalcSmith
CalcSmith is a free online calculator website with 12 finance calculators — auto loan, mortgage, student loan, CD, PMI, credit card payoff, compound interest, retirement savings, home equity loan, car insurance, loan comparison and percentage calculators — that run instantly in your browser with no sign-up or account. Every calculator shows the formula it uses and a worked example, so each result can be checked by hand.
What we do
We build free online calculators for the financial questions people actually face — what will this car loan really cost, when does PMI come off a mortgage, how long until a credit card is gone, what will steady saving grow into. Every tool on the site runs instantly in your browser, and every tool page shows the formula behind the result plus a worked example with real numbers, so you can verify the math yourself instead of taking our word for it.
How we build
CalcSmith launched with a deliberately narrow finance core: the calculators where demand and confusion are highest, built one per job rather than a dozen near-duplicates. Each page is written and checked by hand — the worked examples are computed independently before publication, and if an example and the calculator ever disagree, that is a bug we want to hear about on the contact page.
Who publishes CalcSmith
CalcSmith is published and maintained by the CalcSmith editorial team — an independent web publisher. You can reach the publisher at any time at contact@calcsmith.net, or through the contact page. Our editorial standards are simple and strict: every formula is the standard one lenders and textbooks use; every worked example is recomputed independently before it is published; and when a reader reports an error, we fix it promptly. A number you cannot check is a number you cannot trust — that belief is the whole editorial policy.
What we are not
We are not a lender, broker, insurer or financial advisor, and nothing here is personalized financial advice. We do not take your data: the calculators run locally on your device, there are no accounts, and we never see the figures you enter. Where a tool relies on averages — insurance estimates, typical tax rates — the page says so plainly and tells you which real document (a quote, a Loan Estimate, a servicer statement) replaces the estimate with fact.
Start calculating
Head to the finance hub for the full set, or jump straight to the most-used tools: the mortgage calculator, the auto loan calculator and the compound interest calculator.