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Free Financial
Calculators

Simple tools to calculate loans, passive income, savings, rent-to-own payments, and personal cash flow.

Passive Income Estimator
Choose an income stream and estimate your monthly and annual passive earnings.
🏠
Rental Property
$800–$2,500/mo net
🌐
Website / Ad Revenue
$200–$5,000/mo
📈
Dividend Investing
$50–$2,000/mo
🏚️
Storage Rental (Barn)
$300–$900/mo
📄
Digital Products
$100–$3,000/mo
🔗
Affiliate Marketing
$150–$4,000/mo
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%
Monthly Net
Annual Income
Payback Period
ROI (Year 1)
5-Year Earnings
10-Year Earnings
Year Annual Net Cumulative ROI
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Loan Payment Calculator
Calculate monthly payments, total interest, and full amortization for any loan.
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%
Monthly Payment
Total Interest
Total Cost
Month Payment Principal Interest Balance
Rent-to-Own Calculator
Calculate total cost, monthly payments, and compare rent-to-own vs. outright purchase for barns, sheds, and buildings.
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$
Monthly Payment
Total RTO Cost
Extra vs. Cash
💡 PassiveFlow Tip:
Savings Growth Calculator
See how your savings grow over time with compound interest and regular contributions.
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$
%
Final Balance
Interest Earned
Total Deposited
Year Contributions Interest Balance
Personal Cash Flow Calculator
Enter your monthly income and expenses to see your net cash flow and savings rate.
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$
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$
$
$
$
Total Income
Total Expenses
Net Cash Flow
Savings Rate
Annual Surplus
Financial Health
USDA Income Eligibility Calculator
Estimate your adjusted annual income for USDA Rural Development loan programs.
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$
$
Gross Income
Total Deductions
Adjusted Income