Free paycheck, mortgage and money calculators
Free, clear tools and calculators with no sign-up. Each one explains its formula and cites its sources so you understand the result.
Featured tools
FIRE calculator
Your FIRE number and how many years until you reach financial independence.
Hourly wage calculator
How much you earn per hour, day and month from your annual salary.
Portfolio allocation by age
Split between stocks and bonds based on your age.
Inflation calculator
How your money loses value over time.
Net worth calculator
What you own minus what you owe.
Portfolio risk calculator
Expected return and risk for your stocks/bonds mix.
Dollar-cost averaging (DCA) calculator
How much your investment grows by contributing every month.
Add or subtract days calculator
What date it'll be in (or was) X days, months or years.
Rental yield calculator
Gross and net yield of buying a property to rent out.
TDEE calculator
Daily maintenance calories based on your activity level.
Buy vs rent calculator
Compare the real cost of buying a home vs renting.
Electric vs. gas car cost
Total cost of ownership: which car saves you more?
Debt-to-income ratio (DTI) calculator
Your debt-to-income ratio, with a health indicator.
Due date calculator
Estimated due date and weeks pregnant (Naegele).
Color palette generator
Harmonious color palettes from a single base color.
Emoji search
Search and copy emojis by name or keyword.
Image converter
PNG, JPG, WEBP and SVG in your browser.
Ovulation calculator
Estimate your fertile window and next period from your last cycle.
Merge PDF
Combine several PDFs into one, in private.
Mermaid editor
Diagrams with live preview and SVG download.
Personal finance
Payslip, taxes, saving and day-to-day planning.
Paycheck calculator
Take-home pay after federal and state income tax, Social Security and Medicare, for all 50 states.
Mortgage calculator
Monthly payment with property taxes, insurance, PMI and HOA.
Credit card payoff calculator
How long to pay off your card, total interest and how much paying more saves.
50/30/20 budget calculator
Split your paycheck between needs, wants and savings.
Emergency fund calculator
How big a safety net you need and how long it'll take.
Loan comparison calculator
Compare the monthly payment and total cost of two loans.
Investing
Compound interest, portfolio simulators, DCA and retirement.
401(k) calculator
Project your 401(k) balance at retirement with employer match and IRS limits.
Compound interest calculator
How your savings grow with periodic contributions and reinvestment.
FIRE calculator
Your FIRE number and how many years until you reach financial independence.
Savings goal calculator
How much to save each month to reach your goal.
ROI calculator
Total ROI and annualized return (CAGR) of your investment.
Rule of 72 calculator
How many years it takes for your investment to double.
Decisions
Compare real scenarios and decide better: buy vs rent, pay off debt vs invest and more.
Pay off mortgage vs. invest
Pay down debt or invest that money?
Save vs invest calculator
How much it changes to save in an account or invest.
Buy vs rent calculator
Compare the real cost of buying a home vs renting.
Pay off debt or invest calculator
Compare paying off debt vs investing that money.
ETF vs index fund calculator
Compare fees and long-term outcome of an ETF vs an index fund.
Housing
Rental yield, mortgage affordability and the cost of buying a home.
How much house can I afford?
Maximum home price for your income and debts with the 28/36 rule.
Rental yield calculator
Gross and net yield of buying a property to rent out.
Mortgage-to-income ratio calculator
What % of your salary the monthly payment would take.
Price per square meter calculator
Price per square meter of a home, to compare listings fairly.
Cap rate calculator
Capitalization rate of a rental property.
Rental cash flow calculator
Monthly cash flow of a rental property.
Health
Calories, basal metabolism, ideal weight and more — for guidance only.
BMR calculator
Calories your body burns at rest.
TDEE calculator
Daily maintenance calories based on your activity level.
Daily water intake calculator
Liters of water a day based on your weight.
Ideal weight calculator
Ideal weight and healthy range for your height.
Body fat percentage calculator
Estimate body fat from your BMI, age and sex (Deurenberg formula).
Macro calculator
Split your calories into protein, fat and carbs.
Education
Grade average, the grade you need to pass and academic converters.
Productivity
Freelance rate, hourly pay and expected-salary tools.
Freelance rate calculator
How much to charge per hour and per day to hit your target net income.
Hourly wage calculator
How much you earn per hour, day and month from your annual salary.
Annual salary calculator
Turn your hourly, daily or monthly rate into a gross annual salary.
Job offer comparison calculator
Compare two offers by real hourly pay.
Hours worked calculator
Hours of your shift from check-in, check-out and break.
Meeting cost calculator
How much it costs to get several people together.
Utilities
Text, converters, color, dates and dev tools.
Word counter
Words, characters, sentences and reading time instantly.
Unit converter
Length, mass, temperature, volume, area, speed and time.
QR code generator
Create a QR code from a link or text and download it as SVG or PNG.
Password generator
Secure random passwords with a strength meter.
Number base converter
Binary, octal, decimal and hexadecimal instantly.
Slug generator
Turn a title into a clean slug for URLs.
Business
Break-even, margins, ROI and metrics for your business.
Break-even point calculator
Units you need to sell to cover costs (break-even).
Profit margin calculator
Margin on sale price, markup and profit per unit.
ROI & ROAS calculator
Return and profitability of your ad campaigns.
Employee cost calculator
Total cost to the employer, including payroll tax.
Selling price calculator
The price you need to hit your target margin.
LTV and CAC calculator
Customer lifetime value and cost of acquisition.
Transport
Cost per km, electric vs petrol cars and trip costs.
Cost per km calculator
Fuel and running costs per kilometre.
Electric vs. gas car cost
Total cost of ownership: which car saves you more?
Car trip cost calculator
Fuel cost of a trip and the cost per person.
EV charging cost calculator
How much it costs to charge an electric car.
Public transport vs car calculator
Compare a transport pass with the cost of driving.
Car depreciation calculator
Estimated resale value of a car based on its annual depreciation.
Financial checkups
Quick checks of your situation: debt, emergency buffer and financial independence.
Family & goals
Cost of a child, due date, savings goals and more.
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