Finance Calculators
Calculators for loans and mortgages, salary and paychecks, VAT and GST, break-even points, debt payoff, expense splitting, budgeting and investment gains, plus practical helpers such as a receipt generator and amortization export. Your numbers stay on your device.
23 free tools. All run in your browser. See the full directory.
Finance 23 tools
- Ad Spend Break-Even CalculatorSee the exact conversion rate where ad spend stops being profitable, from three simple inputs.
- Amortization Schedule ExportFull schedule to CSV or PDF.
- Bill & Tip SplitterSplit a bill plus tip evenly or unevenly — assign shared items to specific people (skip the round someone didn't drink) with tax and tip prorated automatically.
- Break-Even Point CalculatorGeneral break-even analysis from fixed costs, variable costs, and price — broader than the existing ad-spend-specific calculator. Supports per-unit or %-of-revenue mode, saved scenario comparison, and a PDF summary.
- Burn Rate & Runway VisualizerEnter cash reserves and expenses to see the projected zero-cash date on a simple local chart.
- Compound Interest CalculatorProject savings growth with compound interest across contribution schedules — including inflation/tax adjustment and side-by-side plan comparison.
- Cost-of-Living Offset CalculatorWork out how much a retainer/salary needs to scale after relocating, to keep the same real savings.
- Crypto/Stock FIFO Gains CalculatorUpload a CSV of trades and get a First-In-First-Out capital gains summary, computed entirely offline.
- Digital Envelope BudgeterA minimalist "cash stuffing" style budget tool — allocate income into envelopes, stored locally.
- Expense TrackerLocal expense log with categories and charts.
- FIRE CalculatorYears to financial independence.
- Freelance Hourly Rate CalculatorWork backward from a target income and billable hours to a minimum viable hourly rate.
- Group Expense SplitterSettle shared costs with the fewest transfers.
- Hidden Subscription FinderScan a bank statement CSV for recurring charges and identical merchant names to surface subscriptions you forgot about.
- Loan / Mortgage CalculatorFull amortization schedule for a loan or mortgage from principal, rate, and term.
- Manufacturing Cost CalculatorSave raw material/component costs locally and mix quantities to get instant per-unit cost projections.
- Markup vs Margin CalculatorSee retail markup % and gross margin % side-by-side so the difference between the two stops causing underpricing.
- Multi-Currency Invoice ReconcilerTrack invoices paid in a foreign currency against a home-currency bank account for simpler tax-time reconciling.
- Receipt GeneratorGenerate a clean, printable/PDF receipt — pairs naturally with the shipped Invoice Generator.
- Salary / Paycheck CalculatorConvert between pay frequencies, compare job offers, and see your take-home pay — enter your own tax rate for exact accuracy anywhere in the world, or use the US/UK quick-fill presets.
- Shipping Margin CalculatorSee net profit across price points once platform fees and parcel weight/shipping cost are factored in.
- Snowball vs Avalanche Debt PlannerCompare two debt payoff strategies side-by-side with amortization math and a visual timeline.
- VAT / GST CalculatorAdd or remove tax at any rate.