Tool Suite

Finance &
Business Tools

Free calculators and tools for budgeting, investing, FIRE planning, loans, invoicing, and tax. No account needed.

23 free tools

0 accounts needed

100% browser-based

🔍

🔥 FIRE & Financial Independence

4 tools

FIRE Calculator

Find your financial independence number, years to retirement, and savings milestones

Savings Rate Calculator

Calculate your personal savings rate and see how it affects years to financial independence

Retirement Calculator

Project your nest egg growth and find out if you're on track to retire comfortably

Compound Interest Calculator

See how investments grow over time with reinvested returns and additional contributions

📋 Budgeting & Savings

4 tools

50/30/20 rule and custom monthly budget with income, savings, and expense categories

Savings Goal Calculator

Monthly amount needed and exact time to reach any savings target

Net Worth Calculator

Add all assets and liabilities to get a clear financial snapshot

Debt Payoff Calculator

Avalanche vs snowball strategy comparison with a month-by-month payoff plan

🏠 Loans, Mortgages & Property

3 tools

Mortgage Calculator

Monthly payment, total interest, and full amortisation schedule — supports extra payments

Loan Calculator

Monthly payment, total cost, and payoff schedule for any personal or auto loan

Rent vs Buy Calculator

True 10-year cost comparison including taxes, maintenance, opportunity cost, and equity

🧾 Tax & Salary

2 tools

Income Tax Calculator

Federal and state income tax estimate for 2025 — includes standard deduction breakdown

Salary to Hourly Calculator

Convert annual salary to hourly, daily, weekly, and monthly take-home rate

Net Salary Calculator

Take-home pay after tax, NI, pension, and student loan — UK and US modes

🏢 Business, Invoicing & Payments

10 tools

Invoice Generator

Professional invoices as PDF — no watermark, no account required, instant download

Quote & Estimate Generator

Professional quote templates for freelancers and small businesses

Receipt Generator

Create and download professional receipts for any transaction in seconds

Pay Stub Generator

Payslip maker with deductions, tax, and net pay — free, no watermark

Break-Even Calculator

Units sold and revenue needed to cover costs and turn a profit

Profit Margin Calculator

Calculate gross margin, markup, and revenue for any product or service

Hourly Rate Calculator

What to charge as a freelancer based on your income target and work hours

Add or remove VAT from any price — supports standard, reduced, and zero rates

Currency Converter

Live exchange rates for 150+ currencies with reverse and historical comparison

Time Zone Converter

Meeting planner and world clock — find the right time across multiple zones

Invoice Template Generator

Customisable invoice with live preview, colour themes, and PDF download

Freelance Project Estimator

Break work into tasks, set your rate, and get a professional quote range

Net Worth Tracker

Log assets and liabilities, save monthly snapshots and chart your wealth over time