# Luminth > Free, accurate calculators for finance, health, legal, and everyday decisions. No sign-up required — instant results in your browser. Luminth provides 31 free online calculators across loans, insurance, tax, investing, health, legal, and tools categories. All calculations run entirely in the browser. No data is collected, stored, or transmitted. For full methodology, formulas, and calculator details see: https://luminth.com/llms-full.txt ## Loans - [Mortgage Calculator](https://luminth.com/calculator/loans/mortgage-calculator): Estimate monthly mortgage payments, total interest paid, and view a full amortization schedule by loan amount, rate, and term. - [Car Loan Calculator](https://luminth.com/calculator/loans/car-loan-calculator): Estimate monthly auto loan payments with trade-in value, sales tax, APR, and a full amortization schedule. - [Student Loan Calculator](https://luminth.com/calculator/loans/student-loan-calculator): Calculate student loan monthly payments, total interest, payoff date, and grace period interest capitalization for federal and private loans. - [HELOC Calculator](https://luminth.com/calculator/loans/heloc-calculator): Enter your home value and mortgage balance to calculate available equity, maximum credit line, interest-only draw period payments, and repayment period monthly payments. - [Mortgage Refinance Calculator](https://luminth.com/calculator/loans/mortgage-refinance-calculator): Compare your current loan to a new rate and term to see monthly savings, break-even point, and total lifetime interest savings. - [Debt Consolidation Calculator](https://luminth.com/calculator/loans/debt-consolidation-calculator): Enter your existing debts and a new consolidation loan to compare monthly payments, total interest, and see exactly how much you save. - [Personal Loan Calculator](https://luminth.com/calculator/loans/personal-loan-calculator): Calculate monthly payments, total interest, and true APR including origination fees for personal loans from 12 to 84 months. ## Insurance - [Life Insurance Calculator](https://luminth.com/calculator/insurance/life-insurance-calculator): Estimate life insurance coverage needs and compare term vs. whole life monthly premiums by age, health class, and coverage amount. - [Car Insurance Calculator](https://luminth.com/calculator/insurance/car-insurance-calculator): Estimate annual and monthly auto insurance premiums by vehicle value, driver age, driving record, coverage type, and deductible. - [Health Insurance Calculator](https://luminth.com/calculator/insurance/health-insurance-calculator): Estimate ACA marketplace monthly premiums and Premium Tax Credit subsidy by age, income, household size, and plan tier. - [Home Insurance Calculator](https://luminth.com/calculator/insurance/home-insurance-calculator): Approximate home insurance annual cost by dwelling value, state, construction type, roof age, deductible, and credit score. - [Renters Insurance Calculator](https://luminth.com/calculator/insurance/renters-insurance-calculator): Estimate monthly and annual renters insurance cost by personal property value, state, deductible, liability coverage, and credit score. - [Workers' Comp Calculator](https://luminth.com/calculator/insurance/workers-comp-calculator): Estimate TTD, TPD, PPD, and PTD injury claim benefits by state, average weekly wage, disability type, and impairment rating. Includes 2024 state maximum weekly benefit caps. ## Tax - [Tax Refund Calculator](https://luminth.com/calculator/tax/tax-refund-calculator): Estimate your 2024 federal tax refund or amount owed by income, filing status, withholding, and credits. Uses accurate 2024 tax brackets and standard deductions. - [Capital Gains Tax Calculator](https://luminth.com/calculator/tax/capital-gains-tax-calculator): Estimate federal short-term and long-term capital gains tax, NIIT surcharge, and state tax on stocks, real estate, crypto, and other assets. - [Hourly Paycheck Calculator](https://luminth.com/calculator/tax/hourly-paycheck-calculator): Enter your hourly wage, hours per week, filing status, and state to see your take-home pay, federal and state taxes, and annual salary equivalent. - [Salary Calculator](https://luminth.com/calculator/tax/salary-calculator): Calculate take-home pay from any annual salary — federal tax, state tax, Social Security, Medicare, and net pay by pay period. Covers all 50 states, 2025 brackets. ## Investing - [Compound Interest Calculator](https://luminth.com/calculator/investing/interest-calculator): Calculate simple and compound interest for any principal, rate, term, and compounding frequency with a year-by-year breakdown. - [CD Calculator](https://luminth.com/calculator/investing/cd-calculator): Calculate certificate of deposit earnings, maturity value, APY, and estimated early withdrawal penalties. - [Retirement Planner](https://luminth.com/calculator/investing/retirement-planner-calculator): Project retirement savings growth and calculate the monthly contribution needed to reach a retirement goal. - [Annuity Calculator](https://luminth.com/calculator/investing/annuity-calculator): Calculate future value of recurring contributions or monthly/quarterly income from a lump sum. Supports fixed annuities, ordinary annuities, and annuities-due with year-by-year growth charts. - [401(k) Calculator](https://luminth.com/calculator/investing/401k-calculator): Project 401(k) balance at retirement with employer match, annual returns, and 2025 IRS contribution limits. Includes year-by-year breakdown. ## Health - [BMI Calculator](https://luminth.com/calculator/health/bmi-calculator): Calculate Body Mass Index for men and women in metric or imperial units, with weight category and healthy weight range. - [Calorie Deficit Calculator](https://luminth.com/calculator/health/calorie-deficit-calculator): Calculate BMR and TDEE using the Mifflin-St Jeor equation, then project weight loss timeline from a daily calorie deficit. ## Legal - [Child Support Calculator](https://luminth.com/calculator/legal/child-support-calculator): Estimate monthly child support payments using the Income Shares model or Percentage of Income formula. Includes adjustments for custody time, health insurance, and childcare. - [Divorce Settlement Calculator](https://luminth.com/calculator/legal/divorce-settlement-calculator): Estimate how marital assets and debts are divided in community property and equitable distribution states, and get an alimony estimate based on income and length of marriage. - [Personal Injury Calculator](https://luminth.com/calculator/legal/personal-injury-calculator): Estimate economic damages, pain & suffering, and net settlement value after comparative fault and attorney fees. For car accidents, slip & fall, and more. - [Truck Accident Settlement Calculator](https://luminth.com/calculator/legal/truck-accident-calculator): Estimate economic damages, pain & suffering, FMCSA violation impact, and net payout after comparative fault and attorney fees for commercial truck accident claims. - [Car Accident Settlement Calculator](https://luminth.com/calculator/legal/car-accident-settlement-calculator): Estimate medical bills, property damage, pain & suffering, and net payout after comparative fault and attorney fees for car accident claims. - [Wrongful Death Settlement Calculator](https://luminth.com/calculator/legal/wrongful-death-settlement-calculator): Estimate lost financial support, funeral costs, loss of companionship, and net compensation after fault and attorney fees for wrongful death claims. ## Tools - [Basic Calculator](https://luminth.com/calculator/tools/basic): Free online calculator for addition, subtraction, multiplication, and division with full decimal precision and keyboard shortcut support. ## Site Pages - [Home](https://luminth.com): Full directory of all calculators organized by category. - [About](https://luminth.com/about): About Luminth. - [Privacy Policy](https://luminth.com/privacy-policy) - [Terms of Service](https://luminth.com/terms-of-service)