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 46 tools below are free, run in your browser, and need no sign-up.
Free debt snowball calculator. Order your debts smallest balance first, apply a monthly extra payment, and see your payoff order and months to debt free.
Free debt avalanche calculator. Target the highest interest rate debt first to minimize total interest, and see your months to payoff and interest saved.
Free FIRE number calculator. Find how much you need invested to retire early using the 4 percent rule, plus years to reach financial independence.
Free Coast FIRE calculator. Find the amount you need invested today so compound growth alone funds retirement without adding another dollar.
Free inflation calculator. See how much future buying power your money loses over time, or what an amount will be worth after years of inflation.
Free real rate of return calculator. Convert a nominal investment return into the inflation adjusted real return using the exact Fisher equation.
Free salary to hourly calculator. Convert an annual salary into an hourly wage based on your weekly hours and weeks worked per year.
Free hourly to salary calculator. Convert an hourly wage into an annual salary using your weekly hours and weeks worked per year.
Free take home pay estimator. Enter gross salary and deduction percentages to estimate net pay per year, month, and paycheck instantly.
Free cost of living calculator. Compare two cities by index and find the salary you need to keep the same standard of living after moving.
Free future value calculator. Find what a lump sum plus regular contributions grows to with compound interest over a set number of years.
Free present value calculator. Discount a future amount back to what it is worth today using a discount rate and a number of periods.
Free annuity payment calculator. Find the fixed periodic payment a lump sum can provide, or the payout from a present value over a set term.
Free savings rate calculator. Find the percentage of your income you save each month and see how it compares to common financial independence targets.
Free tip and split calculator. Add a tip, optionally round the total, and split the bill evenly across any number of people for a clean per person amount.
Free discount and tax calculator. Apply a percent discount then add sales tax to get the final checkout price, the amount saved, and the tax charged.
Free sinking fund calculator. Work out the monthly amount to set aside to reach a savings target by a deadline, with or without interest.
Free 50/30/20 budget calculator. Split your monthly take home pay into needs, wants, and savings using the popular 50/30/20 budgeting rule.
Free raise calculator. Find your pay raise as a percentage and dollar amount, or work out your new salary from a given raise percentage.
Free dollar cost averaging calculator. Project a recurring investment growing at a steady return and see contributions versus interest earned.
Free rule of 114 calculator. Estimate the years to triple your money at a given annual return, plus the rate needed to triple in a set time.
Free lump sum vs payments calculator. Compare taking a cash lump sum now against a stream of future payments using present value and a discount rate.
Free savings timeline calculator. Find how many months and years it takes to reach a savings goal given your deposits and interest rate.
Free effective hourly rate calculator. Reveal what you truly earn per hour once commute and unpaid work hours are added to your paid time.
Free markup calculator. Enter cost and markup percent to get the selling price, profit and resulting margin instantly in your browser.
Convert between margin and markup. Enter one percentage to see the other, plus the price built from your cost. Fast, browser side, no signup.
Free gross profit calculator. Enter revenue and cost of goods sold to get gross profit and gross margin percent instantly in your browser.
Free net profit margin calculator. Enter revenue and total expenses to get net profit and net margin percent instantly, all in your browser.
Free operating margin calculator. Enter revenue, cost of goods and operating expenses to get operating income and margin percent in your browser.
Free EBITDA margin calculator. Enter revenue, expenses, depreciation and amortization to get EBITDA and EBITDA margin percent in your browser.
Free cost plus pricing calculator. Add material, labor and overhead, apply a markup, and get your selling price and profit per unit instantly.
Free CAC calculator. Divide your sales and marketing spend by new customers to find customer acquisition cost instantly in your browser.
Free LTV calculator. Enter average order value, purchase frequency, lifespan and margin to estimate customer lifetime value in your browser.
Free LTV to CAC ratio calculator. Compare lifetime value against acquisition cost to judge if your unit economics are healthy, all in your browser.
Free CAC payback period calculator. Find how many months it takes to recover acquisition cost from customer gross profit, right in your browser.
Free churn rate calculator. Enter customers lost and starting customers to get churn rate and retention rate percent instantly in your browser.
Free net revenue retention calculator. Enter starting MRR, expansion, contraction and churn to get NRR and GRR percent in your browser.
Free MRR and ARR calculator. Turn subscribers and average price into monthly and annual recurring revenue instantly, all in your browser.
Free revenue growth rate calculator. Compare two periods to get percent growth and the absolute change in revenue instantly in your browser.
Free burn rate and runway calculator. Enter cash, monthly spend and income to find net burn and how many months of runway remain.
Free conversion rate calculator. Divide conversions by visitors to get your conversion rate percent, plus visitors needed per goal, in your browser.
Free average order value calculator. Divide total revenue by number of orders to find AOV instantly, right in your browser. No signup needed.
Free freelance hourly rate calculator. Turn a target salary, expenses and billable hours into the hourly rate you must charge, in your browser.
Free invoice total calculator. Add line items, apply a discount and tax, and get the subtotal, tax and grand total instantly in your browser.
Free employee cost calculator. Add salary, payroll taxes, benefits and overhead to find the true annual and hourly cost of an employee.
Free break even units calculator. Enter fixed costs, price and variable cost per unit to find the units and revenue needed to break even.
Yes. Every tool in this toolkit is completely free, with no sign-up and no usage limits.
Yes. They run in any modern web browser on phone, tablet or desktop, with nothing to install.
Yes. These tools run entirely in your browser, so nothing you enter is uploaded to a server.