Finance Tools25 tools
Loans, debt, savings, income and cover. Twenty-four calculators that show their working and store nothing.
Free finance calculators that show their working
Money decisions are where a wrong number costs the most, and it is also where the web's tools are at their worst: lead-generation forms dressed up as calculators, results gated behind an email address, and arithmetic you cannot check. Everything in this category runs in your browser, shows the formula's working in the open, and stores nothing. Type your real numbers with confidence; they never leave your device.
The debt side is covered end to end. The loan EMI calculator and mortgage payment calculator answer what a loan costs per month, the amortization schedule shows every payment of its life and what an extra monthly payment saves, the loan comparison tool puts two offers side by side, and the debt payoff planner turns a pile of debts into a dated plan using the snowball or avalanche method.
On the growing side, the compound interest calculator shows what money does when left alone, the savings goal calculator works out the monthly amount a target needs, the FIRE calculator estimates the portfolio that makes work optional, and the retirement income calculator answers what a pot pays out. For working money, the salary converter, freelance rate calculator, VAT calculator, break-even calculator and zakat calculator cover the questions that come up between payday and tax day.
Some money questions are about the money you already have rather than the money you owe. The net worth calculator puts assets against debts to give one honest number to track, the budget calculator splits income across the categories that actually move, and the inflation calculator shows what a sum from an earlier year is really worth now, which is the context most savings plans quietly ignore. For measuring how an investment actually performed, the CAGR calculator turns a start value, an end value and a number of years into the one rate that makes them comparable.
The rest cover the decisions people meet once and then have to get right. The refinance calculator finds the month your closing costs are paid back and shows the reset-term trap that a lower monthly payment can hide, the currency converter uses daily European Central Bank reference rates, the car depreciation calculator prices the cost nobody puts in the budget, and the life insurance and health insurance cost calculators work out cover and out-of-pocket exposure. Traders get honest position sizing from the position size calculator.
None of this is financial advice, and the tools do not pretend to be advisors. They are honest arithmetic, computed exactly, explained plainly, and kept private. The decisions stay yours; the working is ours to get right.