Straightforward numbers for everyday money questions.
ClearFigure is a small collection of practical calculators: work out a monthly loan payment, split a restaurant bill with a tip, or turn an annual salary into a rough take-home figure. No account, no uploads and none of your inputs leave the page — the math happens entirely in your browser.
Three calculators, one simple idea
Each tool does one job, shows its assumptions, and lets you change every input. Nothing is hidden behind a form submission.
Loan & Mortgage Calculator
Estimate a monthly payment from price, down payment, rate and term. See principal, interest, property tax, insurance and a full amortization schedule.
Open calculatorTip & Split Calculator
Work out a gratuity, add it to the bill and divide it between any number of people. Quick percentage buttons and optional whole-dollar rounding.
Open calculatorSalary & Tax Estimator
Convert a yearly salary into an approximate paycheck after pre-tax deductions, federal income tax, FICA and an optional state rate.
Open calculatorBuilt for clarity, not for clicks
Every input is visible
Change the price, the rate, the number of guests or the pay frequency and the result updates immediately. You can see exactly which numbers produced the answer.
Private by design
There is no login, no form submission and no analytics profile. Your figures are processed by JavaScript on your device and disappear when you close the tab.
Plain-language limits
Each tool states what it does not cover. These are arithmetic estimators, not quotes, filings or professional advice, and the assumptions are written out on the page.
Why a calculator site at all?
Most people do not need a spreadsheet to answer a small money question. They need one number, quickly, with the assumptions visible. A monthly housing payment, a fair share of a dinner bill and an approximate paycheck are three of the most common examples, and each one is a short arithmetic problem rather than a judgement call.
ClearFigure keeps those problems separate. The loan calculator handles a standard fixed-rate amortization formula. The tip calculator handles percentages and division. The salary estimator applies a documented set of tax parameters to a gross figure. Because the scope is narrow, the results are easy to explain and easy to reproduce with a pencil or a spreadsheet.
That transparency matters. A number without context can be misleading, so every result on this site is accompanied by the inputs that produced it, a short explanation of the formula, and a reminder that the output is an estimate. Where a real answer depends on a lender, an employer, a tax authority or a current rate table, we say so instead of guessing.
How to use these tools responsibly
Start with realistic inputs. For a loan estimate, use the full purchase price, your intended down payment, the term you are considering and an interest rate you have actually seen quoted. For a paycheck estimate, use gross pay before deductions and remember that employer benefits, local taxes and filing details can change the final figure. For a bill split, check the bill total and the number of people before you rely on the result.
None of these tools submits data anywhere, so you can experiment freely. Try a larger down payment, a shorter term, an extra monthly payment or a different tip percentage and compare the outcomes side by side. Small changes in an input often matter more than people expect, and seeing that immediately is the most useful thing a calculator can do.
Frequently asked questions
Is ClearFigure free to use?
Yes. Every calculator on this site is free, with no registration, no usage limit and no premium tier. The site is supported by advertising.
Do you store the numbers I type in?
No. The calculators run as JavaScript inside your browser. The values you enter are never sent to a server, saved to a database, written to local storage or included in a cookie. See the Privacy Policy for details.
Are the results accurate enough to make a decision?
They are accurate as arithmetic, given the inputs and assumptions shown on each page. Real-world outcomes depend on current rates, lender terms, employer withholding, tax rules and local charges. Treat results as a starting point and confirm important figures with the relevant institution.
Do I need to install an app?
No. The site is a set of plain HTML pages that work in any modern browser on a phone, tablet or computer. There is nothing to download.
Why do I see a tax year note on the salary tool?
Tax brackets, standard deductions and wage bases change over time. The estimator uses a clearly labelled illustrative parameter set that the site owner reviews and updates. The note is there so you never mistake a stored assumption for current law.
Can I use the results for business or homework?
Yes, for general estimation and learning. Because this is a public tool without a warranty, please verify any figure you intend to rely on formally.
Pick a number to start with
Choose a calculator, adjust the inputs and read the breakdown. It takes a few seconds and costs nothing.