A financial calculator is a total game-changer. It helps you save for college, vacation, retirement and even day-to-day budgeting. Finding the right one is the hard part. Researching online financial calculators will turn up a few expensive programs. But if you know where to look, there are also some great free calculators. Here are some of our favorite free online finance calculators brought to you by our sponsor, NetSuite.

1. Wrangle your debt

NerdWallet has a ton of helpful tools you should check out. If you want to pay off debt, you’ll want to get an idea of your timeframe. With NerdWallet’s tool, enter your account name, type, remaining balance, interest rate and the minimum payment due. Then, you can calculate how long it will take you to pay off your debt. It’s a great way to start making a payment plan. Underneath the calculator, you’ll find a few helpful debt strategies and links to a quick quiz that can help you find a faster way to pay off debt.

2. Plan for retirement

Want to get a personalized snapshot of what your finances will look like if you retire? AARP has you covered. It put together a retirement calculator that lets you know if you’re saving enough. Just answer a few questions about your salary, savings, household status and more. You’ll find out how much money you need to live a comfortable retirement.

3. Learn your net worth

Take Charge America is a nonprofit that shares free financial education resources. It’s all about helping improve your finances in the future. For instance, this personal net worth calculator lets you get a big-picture view. This free tool empowers you to make better financial decisions. You’ll get new context when making saving, spending and investing choices. The best way to look out for your future self is to fully understand how you’re doing in the present.

Don’t miss out on one of Kim’s favorite tools

If you’re a business owner, you don’t need us to tell you running a business is challenging. Don’t let QuickBooks and spreadsheets slow you down, and stop paying for multiple systems that don’t give you the information you need when you need it. It’s time to upgrade to NetSuite by Oracle, the world’s No. 1 cloud business system. NetSuite gives you visibility and control over your financials, HR, inventory, e-commerce and more — all in one place — instantaneously. Whether you’re doing a million or hundreds of millions in revenue, save time and money with NetSuite. Join the over 24,000 companies using NetSuite right now! Let NetSuite show you how they’ll benefit your business with a free product tour at NetSuite.com/Kim.