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Home/Best tools/Free Personal Finance Tools

Best Free Personal Finance & Money Tools

Get your money math done in one place. Plan a savings goal, compare debt snowball and avalanche payoff, find your FIRE number, project compound interest and future value, split a budget, and convert salary to hourly. Everything runs in your browser with no account and nothing uploaded, so your numbers stay yours. All 44 tools below are free, run in your browser, and need no sign-up.

Debt Snowball CalculatorOrder your debts smallest balance first, apply a monthly extra payment, and see your payoff order and months to debt free.Debt Avalanche CalculatorTarget the highest interest rate debt first to minimize total interest, and see your months to payoff and interest saved.FIRE Number CalculatorFind how much you need invested to retire early using the 4 percent rule, plus years to reach financial independence.Coast FIRE CalculatorFind the amount you need invested today so compound growth alone funds retirement without adding another dollar.Inflation CalculatorSee how much future buying power your money loses over time, or what an amount will be worth after years of inflation.Real Rate of Return CalculatorConvert a nominal investment return into the inflation adjusted real return using the exact Fisher equation.Salary to Hourly CalculatorConvert an annual salary into an hourly wage based on your weekly hours and weeks worked per year.Hourly to Salary CalculatorConvert an hourly wage into an annual salary using your weekly hours and weeks worked per year.Take Home Pay EstimatorEnter gross salary and deduction percentages to estimate net pay per year, month, and paycheck instantly.Cost of Living Difference CalculatorCompare two cities by index and find the salary you need to keep the same standard of living after moving.Future Value CalculatorFind what a lump sum plus regular contributions grows to with compound interest over a set number of years.Present Value CalculatorDiscount a future amount back to what it is worth today using a discount rate and a number of periods.Annuity Payment CalculatorFind the fixed periodic payment a lump sum can provide, or the payout from a present value over a set term.Savings Rate CalculatorFind the percentage of your income you save each month and see how it compares to common financial independence targets.Tip and Split CalculatorAdd a tip, optionally round the total, and split the bill evenly across any number of people for a clean per person amount.Discount and Tax CalculatorApply a percent discount then add sales tax to get the final checkout price, the amount saved, and the tax charged.Sinking Fund CalculatorWork out the monthly amount to set aside to reach a savings target by a deadline, with or without interest.50/30/20 Budget CalculatorSplit your monthly take home pay into needs, wants, and savings using the popular 50/30/20 budgeting rule.Raise Percentage CalculatorFind your pay raise as a percentage and dollar amount, or work out your new salary from a given raise percentage.Dollar Cost Averaging CalculatorProject a recurring investment growing at a steady return and see contributions versus interest earned.Rule of 114 CalculatorEstimate the years to triple your money at a given annual return, plus the rate needed to triple in a set time.Lump Sum vs Payments CalculatorCompare taking a cash lump sum now against a stream of future payments using present value and a discount rate.Time to Reach Savings Goal CalculatorFind how many months and years it takes to reach a savings goal given your deposits and interest rate.Effective Hourly Rate CalculatorReveal what you truly earn per hour once commute and unpaid work hours are added to your paid time.Markup CalculatorEnter cost and markup percent to get the selling price, profit and resulting margin instantly in your browser.Margin vs Markup CalculatorConvert between margin and markup. Enter one percentage to see the other, plus the price built from your cost. Fast, browser side, no signup.Gross Profit CalculatorEnter revenue and cost of goods sold to get gross profit and gross margin percent instantly in your browser.Net Profit Margin CalculatorEnter revenue and total expenses to get net profit and net margin percent instantly, all in your browser.Operating Margin CalculatorEnter revenue, cost of goods and operating expenses to get operating income and margin percent in your browser.EBITDA Margin CalculatorEnter revenue, expenses, depreciation and amortization to get EBITDA and EBITDA margin percent in your browser.Cost Plus Pricing CalculatorAdd material, labor and overhead, apply a markup, and get your selling price and profit per unit instantly.Customer Acquisition Cost CalculatorDivide your sales and marketing spend by new customers to find customer acquisition cost instantly in your browser.Customer Lifetime Value CalculatorEnter average order value, purchase frequency, lifespan and margin to estimate customer lifetime value in your browser.LTV to CAC Ratio CalculatorCompare lifetime value against acquisition cost to judge if your unit economics are healthy, all in your browser.CAC Payback Period CalculatorFind how many months it takes to recover acquisition cost from customer gross profit, right in your browser.Churn Rate CalculatorEnter customers lost and starting customers to get churn rate and retention rate percent instantly in your browser.Net Revenue Retention CalculatorEnter starting MRR, expansion, contraction and churn to get NRR and GRR percent in your browser.Revenue Growth Rate CalculatorCompare two periods to get percent growth and the absolute change in revenue instantly in your browser.Burn Rate and Runway CalculatorEnter cash, monthly spend and income to find net burn and how many months of runway remain.Conversion Rate CalculatorDivide conversions by visitors to get your conversion rate percent, plus visitors needed per goal, in your browser.Average Order Value CalculatorDivide total revenue by number of orders to find AOV instantly, right in your browser. No signup needed.Invoice Total CalculatorAdd line items, apply a discount and tax, and get the subtotal, tax and grand total instantly in your browser.Employee Cost CalculatorAdd salary, payroll taxes, benefits and overhead to find the true annual and hourly cost of an employee.Break Even Units CalculatorEnter fixed costs, price and variable cost per unit to find the units and revenue needed to break even.

Frequently asked questions

Are these tools free?

Yes. Every tool in this toolkit is completely free, with no sign-up and no usage limits.

Do these tools work on mobile?

Yes. They run in any modern web browser on phone, tablet or desktop, with nothing to install.

Is my data private?

Yes. These tools run entirely in your browser, so nothing you enter is uploaded to a server.

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