Directory & Index
Free Finance Calculators
Every calculator shows its formula, runs entirely in your browser, and never asks you to sign up. 21 transparent financial tools, one honest number at a time.
Investing & Growth
Compound growth, dividend reinvestment, and equity valuation models.
Compound Interest Calculator
See what your money becomes — with monthly contributions, charts, and a year-by-year breakdown.
Dividend Reinvestment Calculator
The true gap between reinvesting dividends and pocketing them.
Simple Interest Calculator
Interest earned on the principal only — no compounding.
Rule of 72 Calculator
How long until your money doubles — and what rate it takes.
Stock Average-Down Calculator
Average down a stock position: new average cost, break-even price, and unrealized P/L across up to three lots.
Annuity Calculator
Project the future value of regular deposits — ordinary or annuity-due, monthly or annual — with a year-by-year growth chart.
Loans & Mortgages
Amortization schedules, extra payment strategies, and debt reduction.
Loan Amortization Calculator
Monthly payments, total interest, and what extra payments really save you.
Debt Snowball vs Avalanche
Compare both payoff strategies side by side on your own debts.
Mortgage Payoff Calculator
How extra payments shorten your mortgage and cut total interest.
APR to APY Converter
Convert a nominal annual rate to an effective yield, or reverse it, at four compounding frequencies.
Car Affordability Calculator
Work backward from your monthly budget to the maximum car price you can afford, plus total interest and the 20/4/10 rule check.
Retirement & FIRE
Financial independence targets, inflation forecasting, and retirement nest eggs.
Retirement Calculator
Project your nest egg with inflation-adjusted figures in today’s money.
FIRE Calculator
Calculate your FIRE number (25× annual spending) and how many years at your current savings rate stand between you and financial independence.
Savings Goal Calculator
How long until you hit your target — or how much to save each month to get there.
Inflation Calculator
See how inflation erodes purchasing power over time — and what today's prices will cost in the future.
Income & Budgeting
Salary conversions, wage increases, emergency safety nets, and net worth tracking.
Net Worth Calculator
Add assets and subtract liabilities to get one honest number — your financial baseline for retirement and FIRE planning.
Emergency Fund Calculator
Your 3, 6, and 9-month targets — and the monthly saving to reach them.
Salary Raise Calculator
What that percentage raise actually means per paycheck.
Tip & Bill Split Calculator
Calculate tip amount and split any bill evenly per person — with custom percentages and a round-up option for clean totals.
Salary to Hourly Calculator
Convert between salary and hourly pay with a full breakdown.
Time Card & Billable Hours Calculator
Calculate shift hours, billable wages, cross-convert time units, and coordinate across international time zones.
All calculators run entirely in your browser. No sign-up required. See our methodology, disclaimer, and privacy policy.