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Finance Tools

Save, invest, budget and pay off debt. 24 free tools, 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.

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 are free, run entirely in your browser, and need no sign-up.

Frequently asked questions

Are these finance tools free?

Yes. Every finance tool on yourhack.ai is completely free, with no sign-up and no usage limits.

Do these finance tools work on mobile?

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

Is my data private?

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

How many finance tools are there?

There are currently 24 free finance tools here, and we add more regularly.

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