Save, invest, budget and pay off debt.
Free finance tools: savings goal, debt snowball and avalanche, FIRE number, future and present value, inflation, salary to hourly and budget calculators. Instant and client-side. All 24 tools below are free, run entirely 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.
Yes. Every finance tool on yourhack.ai is completely free, with no sign-up and no usage limits.
Yes. They run in any modern web browser on phone, tablet or desktop. There is nothing to install.
Yes. These tools run entirely in your browser, so nothing you enter is uploaded to a server.
There are currently 24 free finance tools here, and we add more regularly.