Finance
Free calculators for money decisions
Mortgage, loan, tip, percentage, compound interest — built so you can answer 'how much?' in seconds. No signup, no ads on calc pages, results stay local. For estimation only — verify with a licensed professional for high-stakes decisions.
9 tools
- Tip Calculator & Bill SplitterQuick tip calculator with bill splitter. Set tip percentage, number of people, see per-person amount instantly.
- Compound Interest CalculatorCalculate compound interest over time with monthly contributions. See final balance, total interest, total contributions.
- Discount CalculatorOriginal price + discount % → final price + amount saved. Optionally stack a sales tax.
- Mortgage CalculatorMonthly payment + total interest from loan amount, rate, and term. User-input rate (no live rate fetch).
- Loan CalculatorMonthly payment + interest for auto, personal, student loans. Amortization preview.
- Currency ConverterConvert between 30+ currencies. Rates from Frankfurter (ECB) cached 24h. Free, no API key needed.
- Sales Tax CalculatorAdd or remove sales tax from a price. Configurable rate. No tax tables — bring your own rate.
- Retirement CalculatorProject retirement balance from current savings, monthly contribution, return rate, and retirement age.
- Tip-to-Hourly Wage CalculatorConvert nightly tips + base wage + hours worked into effective hourly rate. For service workers.
Choosing between these tools
These calculators show their working. A mortgage or loan figure is only useful if you can see which assumption moved it, so each one exposes the rate, the term and the compounding period rather than returning a single number.
Two results surprise people often enough to be worth stating. Stacked discounts do not add: 20% off and then a further 10% off leaves 72% of the original price, not 70%, because the second cut applies to the already-reduced amount. And with regular contributions, time does more work than rate — the compound interest and retirement calculators make that visible by letting you change one input at a time.
Currency rates move, and tax rules differ by country and sometimes by city, so treat the converter and the sales tax calculator as arithmetic help rather than a source of truth for a filing. Nothing here is financial advice, and no figure you enter is stored or sent anywhere.