About MoneyPencil

Free, private calculators for everyday money decisions.

MoneyPencil is a collection of free personal-finance calculators built around one idea: the math behind a big money decision shouldn’t be hidden behind a paywall, a signup form, or a sales call. Whether you’re weighing a mortgage recast against a refinance, figuring out what to send the IRS each quarter, or sizing up how much life insurance your family actually needs, you should be able to get a clear number in seconds — and understand how it was calculated.

Who it’s for

Homeowners, self-employed and 1099 workers, freelancers, small-business owners, and families planning ahead. The tools assume no finance background — every calculator is paired with a plain-English explanation of what the numbers mean and where the limits are.

Our editorial standards

• Accuracy first. Calculations use standard, documented formulas (amortization, the IRS safe-harbor rule, the DIME insurance method). Where a figure depends on data that changes year to year, we ask you to supply it or point you to the authoritative source rather than bake in a number that could be wrong.
• We cite the real sources. Tax tools link to the IRS; mortgage tools to the CFPB. Use those for binding figures.
• No signup, no data harvesting. Calculations run entirely in your browser. We don’t ask for your email and we don’t store your inputs. See our privacy policy.
• Educational, not advice. MoneyPencil is not a lender, tax preparer, insurer, or financial advisor. Our tools are a starting point — confirm decisions with a licensed professional.

How we’re funded

MoneyPencil is free to use and supported by advertising. Ads never affect the math or the recommendations — the calculators show you the same result whether or not you ever click one.

Contact

Questions, corrections, or a calculator you wish existed? Get in touch.