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Finance Utils

Financial calculators for loans, investments, savings, retirement planning, and tax estimation — quick, private, and free.

Amortization
Calculate monthly loan payments and view a detailed breakdown of principal, interest, and remaining balance for each payment period.
Break-Even
Free online break-even calculator. Find the number of units you need to sell to cover your costs.
Budget Planner
50/30/20 budget from take-home income with editable categories, a visual breakdown, and automatic saving.
Compound Interest
Calculate investment growth with compound interest. See how your money grows over time with different compounding frequencies.
Crypto Profit/Loss
Free crypto profit and loss calculator. Calculate gains, losses, ROI, and break-even price for Bitcoin, Ethereum, and any cryptocurrency trade.
Debt Payoff
Compare debt payoff strategies including avalanche and snowball methods to become debt-free faster.
Discount
Calculate the final price after discount, amount saved, and discount percentage. Perfect for shopping and sales.
Effective Interest
Calculate the effective annual rate (EAR) from nominal rate and compounding frequency.
Emergency Fund
Calculate how much you need in emergency savings and create a plan to reach your goal.
Envelope Budget
Free online envelope budgeting tool. Allocate your monthly income into spending envelopes, log transactions per envelope and watch visual fill levels as you spend. Saved in your browser.
FIRE Calculator
Free FIRE calculator. Estimate your time to financial independence from savings rate, portfolio, and returns, with Coast, Lean, and Fat FIRE targets.
Garage Sale Pricer
Free garage sale price calculator. Pick common household items — clothing, electronics, furniture, books, kitchenware — set condition and age, and get suggested garage sale prices with a running total. Runs entirely in your browser.
Inflation Calculator
Calculate how inflation affects purchasing power over time using historical CPI data for the US, UK, Eurozone, Canada, Australia, Japan, and more.
Invoice Calculator
Add line items with quantities, rates, tax, and discounts. Calculate subtotals, tax amounts, and invoice totals instantly.
IRR Calculator
Calculate the internal rate of return for a series of cash flows. Evaluate investment profitability and compare projects by their expected returns.
Mortgage
Calculate monthly payments, total payment, and total interest for your mortgage loan. Plan your home financing.
Net Worth Calculator
List your assets and liabilities to compute your net worth with a category breakdown.
NPV Calculator
Calculate the net present value of a series of cash flows with a given discount rate. Evaluate investment profitability and compare projects.
Portfolio
Track and project your investment growth with regular contributions and asset allocation.
Profit Margin
Calculate gross margin, net margin, markup percentage, and profit from cost and revenue. Essential for business pricing.
Property Decider
property decision tool. Analyze whether to rent out, sell, keep or leave empty a house or flat by factoring in mortgage, rental yield, maintenance, taxes,...
Rent vs Buy
Compare the total costs of renting vs buying a home and make an informed housing decision.
Retirement Calc
Calculate how much you need to save for retirement and plan your retirement savings strategy.
ROI Calculator
Calculate return on investment, annualized ROI, and investment gain or loss. Compare multiple investments by their returns.
Salary vs Hourly
Free salary vs hourly calculator. Convert annual salary to hourly rate and vice versa.
Savings Goal
Figure out how much to save monthly or weekly to reach your financial goal by a target date.
Simple Interest
Calculate interest, final amount, and total return on investments or loans with simple interest.
Subscription Cost Tracker
Track recurring subscriptions, see true monthly and yearly totals, and spot cancel candidates sorted by cost.
Tax Calculator
Estimate income tax by country and state with progressive tax brackets. Supports US federal & state, UK, Canada, Australia, Germany, and more.
VAT
Add or remove VAT (Value Added Tax) from prices. Calculate net price, VAT amount, and gross price.

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