AceCents

Financial calculators.
No fluff. Just answers.

Free tools to help you save more, pay off debt, and invest smarter. No sign-up, no ads that follow you around, no financial advice disguised as content.

Investing

📈

Compound Interest

See how your money grows over time

💰

Investment Return (ROI)

Simple and annualised return on any investment

🔄

Dollar Cost Averaging

Invest a fixed amount regularly

🔥

FIRE Calculator

How many years until financial independence

🏖️

Retirement Savings

Will you have enough at retirement?

Savings

🎯

Savings Goal

How long to save any amount

🛡️

Emergency Fund

How much safety net you need

📉

Inflation Impact

What your money is worth in the future

Debt

Debt Payoff

Snowball vs avalanche comparison

💳

Credit Card Payoff

The true cost of minimum payments

🎓

Student Loan Payoff

Payoff timeline and total interest

🚗

Car Loan

Monthly payment and total cost

Budgeting

📊

50/30/20 Budget

Split your income the smart way

🏦

Net Worth

Your assets minus liabilities

🏙️

Cost of Living Comparison

Compare salaries across cities

💼

Pay Raise Impact

How much more you take home

Everyday

🍽️

Tip Calculator

Split bills and calculate tips

🚙

Car Affordability

Max car price based on your income

🏠

House Affordability

How much home can you afford

💻

Freelance Hourly Rate

What to charge to hit your income goal