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Free calculators for real life

Rent, road trips, paint, payroll. Pick a calculator, type your numbers, and get the answer with the formula right next to it.

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Everything you can work out

Browse by the decision in front of you. Every tool calculates immediately and shows its method.

369 shown
01

Personal money

Plan spending, saving, debt, and pay without opening a spreadsheet.

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Monthly budget planner

What is left after regular income and expenses?

Emergency fund target

How much cash buffer covers the months you choose?

Savings goal timeline

When will regular contributions reach your target?

Debt snowball vs avalanche

Which debt payoff order is faster or cheaper?

Credit card payoff

How long will repayment take and what will interest cost?

Compound savings growth

What can recurring savings become over time?

Net worth

What do you own after subtracting what you owe?

Subscription annual cost

What do all those recurring charges cost per year?

Salary to hourly pay

What is your effective hourly, weekly, or monthly pay?

Raise or pay-cut impact

What does a compensation change mean per pay period?

Sinking fund contribution

How much should you set aside each month for a known future cost?

Irregular income budget

What baseline budget fits income that changes month to month?

Debt-to-income ratio

What share of gross monthly income goes to debt payments?

Personal savings rate

What percentage of take-home income are you keeping?

Inflation purchasing power

What might today’s money buy after several years of inflation?

Retirement income runway

How long can retirement savings support the income gap you expect?

Investment fee drag

How much could an annual investment fee reduce the value of regular savings?

Compound annual growth rate

What constant annual rate turns a starting amount into an ending amount?

50/30/20 budget split

How should take-home pay split across needs, wants, and savings?

Rule of 72 doubling time

How many years does this annual rate take to double a balance?

Present value of a future sum

What is this future amount worth in today's money?

02

Housing & moving

Make clearer decisions about rent, mortgages, moving, and home ownership.

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Rent affordability

What rent range fits your income and commitments?

Rent vs buy

Which option costs less over your expected time horizon?

Mortgage payment

What are the monthly payment and total interest?

Mortgage extra payment

How much time and interest can overpayments save?

Home purchase cash to close

How much cash is needed beyond the down payment?

Moving cost

What should you budget for the entire move?

Security deposit split

How should a shared deposit be divided and returned?

Roommate rent split

How can rent reflect room size and amenities?

Home maintenance reserve

How much should you set aside for upkeep?

Renovation contingency budget

What is the project total after fees and contingency?

Rent increase impact

What does a rent increase add per month and over the lease?

Rental move-in cost

How much cash is needed for deposits, rent, fees, and setup?

Mortgage refinance break-even

How long will monthly savings take to recover refinancing costs?

Home equity estimate

How much estimated home value remains after secured debt?

Rental property cash flow

What monthly cash flow remains after rent, vacancy, finance, and property costs?

House affordability

What home price fits your income, debts, rate, and down payment?

Biweekly mortgage payment

What is the half-month debit, and how much time can 26 payments a year save?

Mortgage points break-even

How many months of lower payments recover the cash you pay for discount points?

Capitalization rate

What cap rate follows from this rental’s net operating income and price?

Mortgage vs index investing

Should extra monthly funds repay the mortgage or go into an index fund?

03

Home projects & DIY

Buy the right amount of material before the work begins.

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04

Bills & home energy

Turn everyday usage into visible monthly and annual costs.

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05

Travel & trips

Budget a trip, compare routes, split costs, and arrive on time.

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06

Transport & cars

See the real cost of driving, charging, commuting, and owning a car.

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07

Shopping & food

Compare prices, portions, subscriptions, tips, and shared spending.

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08

Work & small business

Price your time, quote work, and understand what the business needs.

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Freelance hourly or day rate

What rate covers pay, overhead, and unpaid time?

Salary vs freelance equivalent

What freelance revenue replaces an employee package?

Project quote

What should a project cost after risk and margin?

Markup vs margin

What selling price produces the intended margin?

Business break-even

How many sales cover fixed and variable costs?

Cash runway

How many months remain at the current burn rate?

Meeting cost

What does a meeting cost across all attendees?

Employee true cost

What is the cost after benefits and overhead?

Invoice late fee

What fee is due under the contract terms?

Billable utilization target

How many billable hours support your revenue goal?

Take-home hourly rate

What is the effective hourly rate after expenses and unpaid time?

Project profit

What profit and margin remain after labor and project costs?

Sales commission

What commission is earned across base and tiered rates?

Inventory reorder point

At what stock level should a new order be placed?

Payment processor fee

What will payment processing deduct from each sale?

Customer acquisition payback

How long does customer contribution recover acquisition and onboarding cost?

Time card & overtime

How many regular and overtime hours are on a weekly time card after breaks?

Customer lifetime value & LTV:CAC

What LTV and LTV:CAC ratio follow from your customer economics?

Gross profit margin

What share of revenue remains after cost of goods sold?

Net profit margin

What share of revenue is left after cost of goods sold, overhead, and income tax?

Contribution margin

How much of each sale is left after variable cost, and what share of the price is that?

Monthly recurring revenue

What MRR and ARR follow after new, expansion, and churned recurring revenue?

Customer churn rate

What share of starting customers and recurring revenue left in the period?

Inventory turnover

How many times does this cost of goods sold turn the average inventory?

Days sales outstanding

How many days of credit sales sit in accounts receivable?

Working capital ratio

How much working capital is left after current debts, and what is the current ratio?

Cash conversion cycle

How many days does cash stay tied up in inventory and receivables after payables?

Discount break-even

How many extra units does this discount need to keep the same contribution?

Return on investment

What is the gain or loss on this outlay, as a percent of the amount invested?

Project payback period

How many years of this annual cash inflow recover the project outlay?

Project net present value

What is this project worth in today’s dollars after discounting the cash inflows?

Project internal rate of return

What discount rate sets this project’s net present value to zero?

Price increase impact

What does this price rise do to revenue and contribution after a volume change?

Conversion funnel revenue

What revenue follows from visitors, conversion rate, and average order value?

Operating profit margin

What share of revenue remains after cost of goods sold and overhead?

Days payable outstanding

How many days of credit purchases sit in accounts payable?

Revenue per employee

How much annual revenue does each employee generate?

Average order value

What is the average revenue on each order?

Quick ratio

How many times do cash, receivables, and other near-cash assets cover amounts due inside a year?

Debt service coverage ratio

Does this period’s operating income cover the year’s loan payments?

Accounts receivable turnover

How many times do credit sales collect the average receivable balance?

SaaS rule of 40

What is the sum of revenue growth and profit margin?

Net promoter score

What is the promoter share minus the detractor share?

Retainer vs project fee

Does a monthly retainer or a project pipeline collect more in a year?

A/B test sample size

How many visitors per variant detect a conversion-rate change at the power you type?

Owner draw vs salary

What take-home remains after payroll tax on a salary versus SE tax on a draw?

Freelancer effective hourly

What hourly take-home remains after unpaid time, expenses, and a tax reserve?

Contractor vs employee cost

Does a loaded employee or a contractor cost less for the same work?

Cost of living raise

Does this raise keep up with the cost-of-living change you type?

Sales quota attainment

What share of the sales quota is closed, and what commission does that produce?

Repeat purchase rate

What share of customers bought again in this period?

Cart abandonment revenue

How much revenue sits in abandoned carts, and what could a recovery rate bring back?

Break-even ROAS

What return on ad spend keeps profit flat after variable cost?

Wholesale vs retail margin

What gross margin does one unit cost leave at wholesale and at retail?

Seasonal cash gap

How low does cash fall when busy months are followed by quiet ones?

Capacity utilization revenue

How much of your capacity is in use, and what revenue does it produce?

Machine hour rate

What does one productive machine hour cost after depreciation and running costs?

Job costing overhead rate

What overhead does each direct labor hour carry for the year you type?

Gross margin return on inventory

How much gross profit does each dollar of inventory return?

Employee turnover cost

What do the departures in this period cost?

Cost per lead

What does one lead from this campaign cost?

Cost per hire

What does one hire cost after external and internal recruiting spend?

Net revenue retention

What share of starting recurring revenue remains after expansion and churn?

Average revenue per user

What revenue does each user account for in this period?

Burn multiple

How much cash burned for each new dollar of ARR?

Lead to close rate

What share of these leads became closed deals?

Sales cycle length

How many days does a closed deal take from the first meeting?

Pipeline coverage

How much open pipeline covers the quota still left to close?

Free shipping threshold

What order value covers the shipping cost at this margin?

Refund rate margin

What gross margin remains after returns and allowances?

Chargeback fee total

What do lost card disputes and the per-dispute fee cost?

Annual contract value

What is the annualized value of this subscription contract?

Net dollar retention

What share of last period cohort dollars is still here?

Sales win rate

What share of decided deals did you win?

Average deal size

What is the average revenue on a closed-won deal?

Early payment discount

What does skipping an early-payment discount cost for a year?

Inventory carrying cost

What does it cost to hold this inventory for a year?

Marketplace fee margin

What margin is left after a marketplace fee and the unit cost?

Restaurant prime cost

What share of sales goes to food and labor?

Restaurant food cost

What share of food sales did the ingredients cost?

Revenue per available room

How much room revenue does each available room earn?

Occupancy rate revenue

What share of available units are occupied?

Fully burdened labor rate

What does one productive hour cost after burden?

Overtime versus a new hire

What does overtime cost next to a new hire?

Absenteeism cost

What do lost work hours cost in pay?

Training cost per employee

What does a training program cost per person?

Per diem trip cost

What does a business trip cost on per diem?

Retainage cash delay

How much cash does retainage hold back?

09

Family, care & events

Plan the costs shared across families, milestones, care, and celebrations.

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10

Time & everyday trade-offs

Put a number on time, convenience, routines, and everyday choices.

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11

Banking & borrowing

Compare accounts, loans, fees, and borrowing costs with the terms kept visible.

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12

Taxes & payroll

Turn user-supplied rates and pay details into transparent planning estimates.

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13

Insurance & protection

Compare premiums, deductibles, coverage gaps, and replacement reserves.

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14

Garden & outdoors

Plan soil, plants, water, materials, and recurring outdoor costs.

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15

Cooking & kitchen

Scale recipes, price meals, plan batches, and work with practical kitchen ratios.

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16

Fitness & activity

Plan pace, distance, training time, and the cost of staying active.

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Steps to distance

How far do your steps travel at the entered stride length?

Walking time

How long will a walk take at the chosen pace?

Running split time

What split time matches a target pace and segment distance?

Race time predictor

What rough finish time follows from a recent race and target distance?

Hiking time estimate

How long might a hike take after distance and ascent?

Route grade

What average grade follows from elevation gain and route distance?

Swim pace

What is the pace per pool length or 100 metres?

Rowing split

What 500-metre split follows from distance and total time?

Workout volume

What training volume follows from sets, reps, and load?

Interval workout time

How long will repeated work and rest intervals take?

Weekly training load

What simple training load follows from duration and effort?

Gym membership break-even

How many visits make membership cheaper than drop-in sessions?

Home gym payback

When does home equipment recover avoided membership costs?

Sport cost per session

What does a sport cost per session after gear, fees, and travel?

One-rep max estimate

What rough one-repetition maximum follows from a submaximal lifting set?

Body mass index

What body mass index follows from the height and weight you enter?

Daily calorie needs

What daily calorie estimate follows from your size, age, and activity?

Heart rate training zones

What AHA target heart-rate zones follow from the age you enter?

Protein intake target

How many grams of protein does the adult RDA give for your weight?

Water intake target

How much total water does the adult Adequate Intake suggest each day?

Ideal body weight

What Devine ideal weight and CDC healthy BMI range follow from your height?

17

Tech & digital life

Estimate storage, transfer time, battery life, data use, and device costs.

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18

Shipping & logistics

Work out package, freight, inventory, fulfillment, and delivery costs.

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19

Sustainability & waste

Make energy, emissions, water, reuse, recycling, and waste trade-offs visible.

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20

Learning & career

Evaluate courses, offers, career changes, study time, and professional growth.

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