Basic Calculator
Clean keypad for everyday math.
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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. No accounts. 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.
Algebra Calculator
Solve linear and quadratic equations.
Paycheck Calculator
Estimate gross pay per paycheck from hourly or salary (optional overtime).
Rent Affordability Calculator
Estimate a safe rent range from income, debt payments, and common rules.
Debt Snowball / Avalanche
Plan payoff time and interest across multiple debts with a monthly budget.
Debt-to-Income (DTI) Calculator
See how lenders may view your debt compared to your income.
401(k) / Retirement Calculator
Estimate retirement balance based on contributions, match, and growth.
Net Worth Calculator
Add assets and liabilities to calculate your net worth instantly.
Overtime Pay Calculator
Estimate weekly gross pay with overtime rules (time-and-a-half).
Loan Payment Calculator
Monthly payment from loan amount, APR, and term.
Credit Card Payoff Calculator
Estimate payoff time and total interest based on your monthly payment.