Smart Tools forSmarter Decisions.
Calculators, converters, and interactive tools for finance, tech, and everyday life. Fast, beautiful, and always free.
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Popular tools to get you started.
Split Bill Calculator
Divide restaurant bills, tips, and shared expenses fairly among friends. Supports itemized splitting and custom tip percentages.
Try it50/30/20 Budget Calculator
Split your income into needs, wants, and savings with customizable percentages. Visual breakdowns, weekly and annual projections, and shareable budget plans.
Try it401k Compound Interest Calculator
See how compound interest grows your savings with employer matching, annual raises, and regular contributions. Year-by-year projections and retirement income estimates.
Try itMortgage Payment Calculator
Calculate your monthly mortgage payment with full amortization schedule. See principal, interest, tax, and insurance breakdown with visual charts.
Try itRent vs Buy Calculator
Compare the true cost of renting vs buying a home over time. Side-by-side net worth projections, break-even analysis, and monthly cost breakdowns with investment opportunity cost.
Try itDebt Payoff Calculator
Compare snowball vs avalanche debt payoff strategies side-by-side. Enter multiple debts to see payoff timelines, total interest, and how extra payments accelerate your debt-free date.
Try itProfit Margin Calculator
Calculate gross margin, markup, and profit per unit with visual breakdowns. Includes break-even analysis, volume scaling, and a margin vs markup reference table.
Try itAuto Loan Calculator
Estimate your monthly car payment, compare loan terms side-by-side, and see how extra payments save you thousands. Full amortization schedule and early payoff analysis.
Try itSalary to Hourly Calculator
Convert annual salary to hourly rate or hourly pay to annual salary. Accounts for PTO, paid holidays, overtime, and shows daily, weekly, and monthly breakdowns.
Try itRefinance Calculator
Should you refinance? Compare your current loan vs new terms side-by-side. See break-even month, monthly savings, and lifetime cost difference for mortgage or auto loans.
Try itBuy vs Lease Calculator
Compare the true cost of buying vs leasing a car over time. Year-by-year cost analysis with depreciation, equity buildup, and total cost of ownership.
Try itFreelance Rate Calculator
Find your ideal freelance hourly rate. Factors in self-employment tax, health insurance, retirement, expenses, and billable hours to match your desired take-home pay.
Try itHome Affordability Calculator
How much house can you afford? Uses the 28/36 DTI rule with your income, debts, and down payment. Includes rate sensitivity analysis and PITI payment breakdown.
Try itAll Tools
Every calculator, one click away.
Split Bill Calculator
Divide restaurant bills, tips, and shared expenses fairly among friends. Supports itemized splitting and custom tip percentages.
50/30/20 Budget Calculator
Split your income into needs, wants, and savings with customizable percentages. Visual breakdowns, weekly and annual projections, and shareable budget plans.
401k Compound Interest Calculator
See how compound interest grows your savings with employer matching, annual raises, and regular contributions. Year-by-year projections and retirement income estimates.
Mortgage Payment Calculator
Calculate your monthly mortgage payment with full amortization schedule. See principal, interest, tax, and insurance breakdown with visual charts.
Rent vs Buy Calculator
Compare the true cost of renting vs buying a home over time. Side-by-side net worth projections, break-even analysis, and monthly cost breakdowns with investment opportunity cost.
Debt Payoff Calculator
Compare snowball vs avalanche debt payoff strategies side-by-side. Enter multiple debts to see payoff timelines, total interest, and how extra payments accelerate your debt-free date.
Profit Margin Calculator
Calculate gross margin, markup, and profit per unit with visual breakdowns. Includes break-even analysis, volume scaling, and a margin vs markup reference table.
Auto Loan Calculator
Estimate your monthly car payment, compare loan terms side-by-side, and see how extra payments save you thousands. Full amortization schedule and early payoff analysis.
Salary to Hourly Calculator
Convert annual salary to hourly rate or hourly pay to annual salary. Accounts for PTO, paid holidays, overtime, and shows daily, weekly, and monthly breakdowns.
Refinance Calculator
Should you refinance? Compare your current loan vs new terms side-by-side. See break-even month, monthly savings, and lifetime cost difference for mortgage or auto loans.
Buy vs Lease Calculator
Compare the true cost of buying vs leasing a car over time. Year-by-year cost analysis with depreciation, equity buildup, and total cost of ownership.
Freelance Rate Calculator
Find your ideal freelance hourly rate. Factors in self-employment tax, health insurance, retirement, expenses, and billable hours to match your desired take-home pay.
Home Affordability Calculator
How much house can you afford? Uses the 28/36 DTI rule with your income, debts, and down payment. Includes rate sensitivity analysis and PITI payment breakdown.
Net Worth Calculator
Calculate your net worth by adding up assets and subtracting liabilities. Visual balance sheet breakdown, milestone badges, and shareable results to track your wealth.
Subscription Tracker
Add all your subscriptions and see monthly/yearly totals with a stacked bar showing where your money goes. Quick-add popular services and track spending by category.
Investment Return Calculator
Compare lump sum vs dollar cost averaging with adjustable return rates and inflation toggle. Growth curve visualization and year-by-year breakdown.
Percentage Calculator
Three calculators in one: "What is X% of Y?", "X is what % of Y?", and "% change from X to Y." Step-by-step formula breakdowns with visual bars.
Unit Converter
Convert length, weight, volume, and temperature instantly. Two-way conversion with visual comparison bars, common quick-reference conversions, and all-units table.
Age Calculator
Enter your birthdate and see exact age in years, months, days, and hours. Plus fun facts like heartbeats, breaths, zodiac sign, and next milestone birthday.
Due Date Calculator
Enter your last period or conception date to get your estimated due date. Trimester timeline visualization with key milestones and week-by-week progress.
Macro Calculator
Calculate daily calories and protein/carbs/fat breakdown based on your age, weight, height, activity level, and goals. Visual pie chart with meal-by-meal suggestions.
Date Difference Calculator
Calculate the exact time between two dates in years, months, weeks, days, hours, and minutes. Perfect for event planning, milestone tracking, and countdowns.
Time Zone Converter
Convert time between time zones instantly. Schedule international meetings and coordinate remote teams with visual time zone comparison.
Sleep Calculator
Calculate optimal sleep and wake times based on 90-minute sleep cycles. Wake up refreshed by timing your alarm to natural sleep rhythms.
Water Intake Calculator
Calculate your daily water intake needs based on weight, activity level, and climate. Get personalized hydration goals with visual tracking.
Currency Converter
Convert between 22+ world currencies instantly with exchange rates. USD, EUR, GBP, JPY and more with popular pairs and quick reference.
Time Converter
Convert time units from nanoseconds to centuries. Includes duration breakdown and common conversions for seconds, minutes, hours, days, and more.
Speed Converter
Convert speed units: mph to km/h, knots, m/s, Mach, and more. Includes common speed references from walking to supersonic flight.
Data Storage Converter
Convert data storage units: bytes, KB, MB, GB, TB. Includes binary (KiB, GiB) and bits. Common storage sizes for files and devices.
Savings Goal Calculator
Calculate how much to save monthly to reach your financial goal. See compound interest growth, timeline projections, and year-by-year breakdown to plan your savings.
Emergency Fund Calculator
Determine your ideal emergency fund size based on monthly expenses and risk factors. Get personalized recommendations with progress tracking and milestone badges.
Loan Payoff Calculator
Calculate how long to pay off any loan and total interest. See the dramatic impact of extra payments with side-by-side comparison and savings breakdown.
Tax Bracket Calculator
Calculate your 2026 federal income tax bracket and effective tax rate. See total tax owed, marginal vs effective rate, and tax breakdown by bracket with visual charts.
Retirement Savings Calculator
Calculate how much you need to save for retirement with year-by-year projections. Factor in current age, savings, contributions, returns, and inflation to reach your retirement goals.
Credit Card Payoff Calculator
Calculate how long to pay off credit card debt and total interest paid. Compare minimum payments vs fixed monthly payments to see how extra payments save money.
ROI Calculator
Calculate return on investment (ROI) for any investment or business decision. See ROI percentage, net profit, and annualized returns with visual breakdowns.
Break-Even Analysis Calculator
Calculate your break-even point in units and revenue. Determine how many sales needed to cover fixed and variable costs with visual profitability charts.
Hourly to Salary Calculator
Convert hourly wage to annual salary or vice versa. Calculate daily, weekly, and monthly earnings with overtime, paid time off, and benefits included.
Down Payment Calculator
Plan your home purchase by comparing 5%, 10%, 15%, and 20% down payment scenarios. Estimate PMI costs and see how long it takes to save your target amount.
Rent Affordability Calculator
Calculate how much rent you can afford using the 30% rule. Get personalized recommendations based on your income, expenses, and budget with multiple percentage scenarios.
Inflation Calculator
See how inflation erodes your purchasing power over time. Calculate future money values, compare equivalent amounts across years, and understand real investment returns.
Student Loan Payoff Calculator
Calculate your student loan payoff timeline and total interest. See how extra payments accelerate your debt-free date and save thousands in interest charges.
CD Calculator
Calculate certificate of deposit returns with different terms, rates, and compounding frequencies. Compare CD terms side-by-side to maximize your savings.
401k Withdrawal Calculator
Calculate taxes and penalties for early 401k withdrawal. See what you will actually receive after federal tax, state tax, and early withdrawal penalties with opportunity cost analysis.
Paycheck Calculator
Estimate your take-home pay after federal taxes, state taxes, Social Security, Medicare, and pre-tax deductions. Uses 2024 tax brackets for accurate results.
FIRE Calculator
Calculate when you can achieve Financial Independence and Retire Early. See your FIRE number, years to FI, and detailed projections using the 4% rule with multiple scenarios.
Stock Portfolio Calculator
Analyze your investment portfolio allocation, calculate expected returns, track diversification, and get rebalancing recommendations. Optimize your asset mix for long-term growth.
Personal Loan Calculator
Calculate monthly payments, total interest, and compare different loan terms for personal loans. See how loan amount, APR, and term length affect your payment.
Amortization Schedule Calculator
Generate a detailed loan amortization schedule showing principal, interest, and remaining balance for each payment. See exactly how your loan will be paid off over time.
Lease Payment Calculator
Calculate monthly car lease payments using MSRP, residual value, money factor, and down payment. Compare lease vs buy options and understand lease terms.