Free Financial Calculators & Business Tools
Everything you need to manage your money — whether you're freelancing, running a small business, or planning your personal finances. No sign-up. Always free.
48 free tools across 4 categories
💼 Business & Freelance
🧮 Freelance Rate Calculator
Calculate your ideal hourly rate using real 2025 tax brackets, expenses, and income goals.
📄 Invoice Generator
Create professional invoices in seconds. PDF export, customizable templates.
📊 Expense Tracker
Track deductible business expenses and maximize your tax savings.
📈 Profit Margin Calculator
Calculate gross, net, and operating margins with break-even analysis.
🏷️ Markup Calculator
Convert cost to selling price, find markup %, or reverse-calculate cost. Industry benchmarks included.
⚖️ Break-Even Calculator
Find how many units to sell to cover costs. Visual chart with profit/loss zones and contribution margin.
🏦 Best Banks for Freelancers
Compare top business bank accounts — fees, features, and tax tools.
💰 Tax Calculators
💰 Quarterly Tax Estimator
Estimate quarterly and annual tax liability as a freelancer or sole proprietor.
🧾 Self-Employment Tax Calculator
Calculate SE tax, federal & state income tax, QBI deduction, and quarterly payments for 2025.
💵 Paycheck Calculator
Estimate take-home pay after federal & state taxes, Social Security, and Medicare. All 50 states.
🧾 Sales Tax Calculator
Calculate sales tax for all 50 US states with local rates, reverse calculation, and complete rate reference table.
🏢 Payroll Tax Calculator
Calculate employer payroll taxes — FICA, FUTA, state unemployment — with per-paycheck and annual breakdowns for all 50 states.
📊 Tax Bracket Calculator
See your 2025 federal tax breakdown by bracket, effective rate, marginal rate, and a visual bar chart of each bracket's contribution.
📈 Savings & Loans
📈 Compound Interest Calculator
See how your savings grow over time with compound interest. Visual charts and Rule of 72.
🏦 Loan Payment Calculator
Calculate monthly payments, amortization schedules, and extra payment savings.
💰 Salary to Hourly Converter
Convert salary to hourly rate or hourly to salary with benefits and overtime calculations.
⏱️ Hourly to Salary Calculator
Convert hourly wages to salary with overtime, benefits, and pay-period breakdowns.
📊 ROI Calculator
Calculate return on investment, annualized returns, and compare up to 3 investments side-by-side.
💳 Debt Payoff Calculator
Compare snowball vs avalanche methods with visual timeline and monthly payment schedule.
📉 DTI Calculator
Calculate front-end and back-end debt-to-income ratios, underwriting guidance bands, and monthly debt capacity targets.
🏦 Net Worth Calculator
Track your assets and liabilities, see your financial health score, and compare to age benchmarks.
🏖️ Retirement Savings Calculator
Project 401(k) & IRA balances with employer match modeling, growth charts, and account type comparison.
🏠 Mortgage Calculator
Calculate monthly payments with full PITI breakdown, amortization schedule, and home affordability analysis.
💵 Down Payment Calculator
Estimate down payment amount/percent, cash to close, monthly housing payment breakdown, and time needed to save your target.
🚗 Auto Loan Calculator
Estimate monthly car payments, total interest, and amortization. Compare terms, trade-in value, and depreciation warnings.
🚙 Lease vs Buy Car Calculator
Compare lease vs buy total costs, mileage overage impact, break-even duration, and side-by-side cost breakdown.
📋 Amortization Calculator
Generate a detailed loan amortization schedule with extra payment modeling. See interest savings, time saved, and month-by-month breakdown.
💳 Credit Card Payoff Calculator
See how long to pay off credit cards, the minimum payment trap cost, balance transfer savings, and how extra payments accelerate payoff.
🎯 Savings Goal Calculator
Find how much to save monthly to reach your target. Compound interest growth chart, milestones, and what-if scenarios.
🏠 Rent vs Buy Calculator
Compare total costs of renting vs buying over time. Find your break-even year, equity built, and get a clear verdict.
📊 Margin Calculator
Calculate initial margin, maintenance margin, margin call price, buying power, leverage ratio, and break-even price for stock trading.
📈 CAGR Calculator
Calculate compound annual growth rate, project future value, compare against benchmarks, and visualize year-by-year growth.
📈 Investment Calculator
Project investment growth with lump sum, monthly contributions, dividends, tax drag, and inflation adjustment. Year-by-year breakdown.
💰 Dividend Calculator
Calculate dividend yield, DRIP reinvestment growth, and income projections. Visualize how dividends compound your wealth over time.
🏦 401k Calculator
Project your 401(k) balance at retirement with employer match, 2025 contribution limits, catch-up contributions, and year-by-year growth.
🧮 Everyday Calculators
💰 Tip Calculator
Calculate tips, split bills, round to the nearest dollar. Complete tipping guide included.
🔢 Percentage Calculator
5 modes: percentage of a number, percentage change, what % X is of Y, increase, and decrease by percent.
🏷️ Discount Calculator
Calculate sale price, savings, stacked discounts, bulk pricing tiers, and reverse-calculate original price.
💱 Currency Converter
Convert between 30+ world currencies with live ECB exchange rates, multi-currency view, and inverse rates.
⚖️ BMI Calculator
Calculate your Body Mass Index with a visual gauge. Imperial & Metric, healthy weight range, WHO categories.
🕐 Time Card Calculator
Calculate weekly work hours, overtime, and gross pay. Daily/weekly OT modes, split shifts, and lunch deductions.
🛒 Unit Price Calculator
Compare up to 5 products by cost per unit. Auto-converts between oz, lb, g, kg, ml, L, and more to find the best deal.
🎓 GPA Calculator
Calculate semester and cumulative college GPA with weighted (4.3) and unweighted (4.0) scales. Dean's List indicator and grade reference.
🎂 Age Calculator
Find your exact age in years, months, and days. Days until next birthday, zodiac sign, Chinese zodiac, generation, and fun facts.
📅 Date Calculator
Find days between two dates, add or subtract days/weeks/months, count business days, and use quick presets like days until Christmas.
⛽ Gas Mileage Calculator
Calculate MPG or L/100 km, estimate trip fuel costs, and find cost per mile. Imperial/Metric toggle with CO₂ emission estimates.
📉 Inflation Calculator
See how inflation erodes purchasing power over time. Compare dollar values across years using historical CPI data or custom rates.
🎲 Random Number Generator
Generate random numbers, roll dice, flip coins, and shuffle lists. Multiple modes with cryptographically secure randomness.
🔐 String Generator
Generate strong random strings, pronounceable tokens, and memorable passphrases. Cryptographically secure with entropy meter.
📐 Square Footage Calculator
Calculate room area for multiple shapes, estimate flooring costs with waste, and figure out how much paint you need.
🔥 Calorie Calculator
Calculate BMR, TDEE, and daily calorie targets for weight loss or gain. Customizable macro breakdown with protein, carbs, and fat.
🏃 Pace Calculator
Calculate running pace, finish time, or distance. Per-mile/km splits and equivalent race time predictions for 5K to marathon.
⚡ Electricity Cost Calculator
Calculate how much any appliance costs to run. Compare multiple appliances with a visual cost breakdown chart.