About Numlight
Last updated October 14, 2026
Numbers, made clear. Numlight builds free calculators for the big money decisions — starting with buying a home — that are accurate, fast on any phone, and honest about how they work.
What makes Numlight different
- We show our work. Every result comes with the formula, the assumptions and the sources behind it.
- Private by design. Calculations run in your browser. No sign-up, no email, no personal information.
- Tested math. Our calculation engine is shared by every page and checked against hand-verified examples before each release.
- Real data. State pages use official sources such as the US Census Bureau, with the year and method stated.
- AI that explains, never invents. Our AI assistant runs the same calculators you do and explains the result. It doesn't make up numbers.
Our calculators
- Mortgage calculator
- Home affordability calculator
- Mortgage payoff calculator
- Mortgage refinance calculator
- VA loan calculator
- FHA loan calculator
- Conventional loan & PMI calculator
- FHA vs conventional loan calculator
- USDA loan calculator
- House price from monthly payment calculator
- Debt-to-income (DTI) calculator
- Rent vs buy calculator
- Amortization schedule calculator
- HELOC calculator
- Paycheck calculator
- Salary after taxes calculator
- Job offer calculator
- 2026 federal income tax calculator
- 2026 tax law changes checker
- No tax on tips & overtime calculator
- Moving states tax calculator
- Self-employment tax calculator
- Salary to hourly calculator
- ACA subsidy calculator
- Credit card payoff calculator
- Debt payoff calculator (snowball vs avalanche)
- Student loan repayment calculator (RAP)
- Personal loan calculator
- Auto loan calculator
- Compound interest calculator
- 401(k) calculator
- Roth IRA calculator
- Roth vs traditional calculator
- HSA calculator
- Social Security claiming age calculator
- Inflation calculator
How we make money
Numlight is free to use. In the future we may show advertising or clearly labeled partner offers. Those will never change a calculator's result. See our editorial policy.
Contact
Found a bug or a number that looks wrong? We want to know: [email protected].