100% free, no signup
Free Online Financial Calculator
Simulate loans, compare investments and make smarter financial decisions — all free with no signup required.
Available Calculators
Choose a calculator and start simulating in seconds
Loan Calculator
Simulate your loan using SAC or PRICE systems. View the complete amortization schedule with all installments.
Access calculatorConsortium Calculator
Simulate your consortium installments with annual INCC/IPCA correction.
Access calculatorLoan vs Consortium
Compare loan and consortium side by side. See which option leaves more money in your pocket.
Access calculatorRent vs Buy
Compare whether it's better to buy a financed property or rent and invest the difference.
Access calculatorIRR Calculator
Calculate the Internal Rate of Return of a series of cash flows.
Access calculatorCompound Interest
Calculate the yield of your investments with compound interest over time.
Access calculatorFixed Income Comparator
Compare fixed income investments (Fixed Rate, CDI, IPCA+, Selic) net of IR/IOF taxes and inflation.
Access calculatorHow our calculators work
Simple and accurate tools for your financial decisions
1
Enter your data
Fill in the fields with your financial scenario values
2
See the result
Get detailed calculations with tables and graphs
3
Share or save
Save the simulation to favorites or share the link
Why use Calculaderia?
100% Free
All calculators are free with no limits or restrictions
No signup
Use immediately without creating an account or providing personal data
Open source
Full transparency: see exactly how the calculations are made
Privacy
Your data never leaves your browser — 100% local processing
Guides and articles
Learn essential financial concepts
Frequently Asked Questions
Are the calculators really free?
Yes, 100% free. There are no paid plans or usage limits. The project is open source and community-maintained.
Are the calculations accurate?
Yes. We use standard financial formulas (SAC, Price, compound interest, IRR). The code is open and you can verify the calculations directly on GitHub.
Do I need to create an account?
No. You can use all calculators immediately. To save simulations, we use your browser's local storage — no data is sent to servers.
Can I use it on mobile?
Yes! All calculators are responsive and work perfectly on mobile devices.
How do you make money?
We don't. This is a personal open source project. If you'd like to support us, you can make a voluntary donation on the support page.
Can I trust the results for making decisions?
Our calculators are educational tools that provide estimates. For important financial decisions, we recommend consulting a specialized professional.
Transparency and trust
100% open source code on GitHub
Your data stays in your browser
Educational tool — does not replace professional advice