Basic Calculator
Clean keypad for everyday add, subtract, multiply, divide, and percent.
Free calculators that feel premium.
The fastest way to get answers — no sign-up, no fluff.
LumoCalc is a clean, modern calculator hub for real life: money, work, school, and everyday math. 100% free. Works instantly on mobile.
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All calculators
Pick one and get your answer instantly.
Scientific Calculator
Trig, logs, powers, roots, and parentheses. Safe expression parser.
Algebra Calculator
Solve linear and quadratic equations instantly with step-by-step answers.
Paycheck Calculator
Estimate gross pay per paycheck from hourly or salary with optional overtime.
Overtime Pay Calculator
Estimate weekly gross pay with overtime rules (time-and-a-half or custom).
Loan Payment Calculator
Monthly payment from loan amount, APR, and term. See total interest paid.
Credit Card Payoff
Estimate payoff time and total interest based on your monthly payment.
Rent Affordability
Estimate a safe rent range from income, debt payments, and common affordability rules.
Debt Snowball / Avalanche
Plan payoff time and interest across multiple debts with a monthly budget.
Debt-to-Income (DTI)
See how lenders may view your debt compared to your monthly income.
401(k) / Retirement
Estimate retirement balance based on contributions, employer match, and growth.
Net Worth Calculator
Add assets and liabilities to calculate your net worth instantly. Auto-saved.