Finance

Everyday money math: pay raises, overtime, tips, debt payoff, credit-card interest, inflation and more. Plain numbers, no sign-up, nothing stored.

296 free tools in this category. See every tool on Lelifi.

• $100,000 Loan for 15 Years CalculatorSee the monthly payment on a $100,000 loan paid back over 15 years, compare 6%,
• $15 an Hour Is How Much a Year?At $15 an hour, full time work pays $31,200 a year before tax and about $27,249
• $15,000 Loan Over 5 Years CalculatorA $15,000 loan over 5 years costs $289.99 a month at 6%, with $2,399.40 in total
• $20 an Hour Is How Much a Year?At $20 an hour, full time work pays $41,600 a year before tax. See the take-home
• $25 an Hour Is How Much a Year?At $25 an hour, full time work pays $52,000 a year before tax. See the monthly a
• $30 an Hour Is How Much a Year?At $30 an hour, full time work pays $62,400 a year before tax. See the tax brack
• 1 Year CD Rate CalculatorEnter a deposit, an APY or nominal rate and a compounding frequency to get the 1
• 10 Year ARM Mortgage CalculatorPrice a 10/1 ARM month by month: the fixed-decade payment, the year 11 recast, c
• 10 Year Equipment Loan CalculatorPrice a 120 month equipment loan: monthly payment, total interest, the interest
• 10-Year Balloon Mortgage CalculatorSee the monthly payment on a 10-year balloon mortgage, the lump sum due at year
• 10-Year Fixed Loan CalculatorEnter any 10-year fixed loan to see the monthly payment, total interest, APR wit
• 10-Year Fixed Mortgage CalculatorSplit a 10-year fixed mortgage payment into principal, interest, PMI and escrow,
• 10-Year Fixed Mortgage Rates CalculatorCompare a 10-year fixed mortgage against a 30-year loan: monthly payment, total
• 10-Year Second Mortgage CalculatorWork out a 10-year second mortgage payment, fold fees into the APR, check combin
• 10/1 ARM vs 30 Year Fixed CalculatorCompare a 10/1 ARM with a 30 year fixed loan: payments, the year 11 recast, caps
• 1099 vs W-2 CalculatorCompare a 1099 contract against a W-2 job. Enter both incomes to see self-employ
• 12 Month CD Rates CalculatorCompare 12 month CD rates on one deposit: maturity value and dollar gap for each
• 13th Month Pay Computation CalculatorCompute 13th month pay the DOLE way: total basic salary earned in the year divid
• 18 Month CD Rate CalculatorEnter a deposit and an 18 month CD rate to get the 547 day maturity value, the m
• 401(k) CalculatorProject your 401(k) balance with the 2026 $24,500 deferral limit, employer match
• 50/30/20 Budget CalculatorFree 50/30/20 budget calculator. Enter your take-home pay to see the dollars for
• 52 Week Savings Challenge CalculatorFree 52 week savings challenge calculator. Pick a weekly base amount and see the
• AGI CalculatorAdd wages, interest and business profit, subtract the 2026 adjustments, and see
• APR CalculatorEnter your loan amount, term, interest rate and fees to see the real APR. Compar
• APR Monthly Payment CalculatorEnter an APR, loan amount, and term to get the exact monthly payment, total inte
• Allowance CalculatorFree allowance calculator. Enter your child's age, base amount and chores to see
• Amortization CalculatorAmortization calculator: enter a loan amount, rate and term to see the monthly p
• Animation Cost CalculatorAnimation cost calculator: enter length, style and extras for a line by line bud
• Annual Income CalculatorTurn an hourly wage into yearly pay. See 52 paid weeks versus 50, overtime at 1.
• Annual Salary to Hourly CalculatorTurn a salary into an hourly rate using 2,080 hours or your real worked weeks, t
• Annual to Monthly Cost CalculatorFree annual to monthly cost calculator. Turn a yearly price into monthly, weekly
• Annuity CalculatorAnnuity calculator: see what steady deposits grow to. $300 a month at 6% for 20
• Annuity Payout CalculatorAnnuity payout calculator: see how long a retirement balance lasts at a chosen w
• Auto Loan CalculatorEnter the amount financed, APR and term to get the monthly auto loan payment, to
• Auto Monthly Payment CalculatorCalculate monthly auto loan payments, interest, and vehicle costs across 36 to 8
• Average Cost Basis CalculatorAverage cost basis calculator: add each purchase and commission to see your basi
• Average Variable Cost CalculatorAdd up materials, labor, and shipping per unit to get average variable cost, ave
• BOGO CalculatorWork out what a buy one get one free deal costs per item. Enter the price and th
• Baby Shower Gift CalculatorFree baby shower gift calculator. Enter the relationship, how many showers you a
• Bank Guarantee Cost CalculatorCalculate bank guarantee costs including issuance fees, commission rates, SWIFT
• Barber Tip CalculatorFree barber tip calculator. Enter the price of the cut, pick a percentage and sp
• Bartender Tip CalculatorFree bartender tip calculator. Tip $1 a drink or a percentage of the tab, split
• Basis Point CalculatorBasis point calculator: convert bp to percent, ppm and dollars, and see what a r
• Benefit to Cost Ratio CalculatorCalculate benefit-cost ratios and net present value. Enter capital cost, annual
• Bi-Monthly Payment CalculatorCalculate loan payments made twice a month: see the payment per period, total in
• Bi-Weekly Loan Payment CalculatorSee what paying half your monthly loan payment every two weeks saves: a $30,000
• Bill Split CalculatorFree bill split calculator: enter the bill, the tip and how many people are payi
• Birthday Gift CalculatorWork out how much to spend on a birthday gift. Pick the relationship and your co
• Biweekly Pay to Annual SalaryTurn a biweekly paycheck into an annual salary. Enter your gross pay and see the
• Biweekly Savings CalculatorSee what saving the same amount every two weeks grows into. Enter the deposit, t
• Boat Loan CalculatorEnter the price, down payment, APR and term to get the monthly payment, total in
• Bond Dirty Price CalculatorCalculate bond dirty price from clean price and accrued interest. Compare 30/360
• Bonus Percentage of Salary CalculatorCalculate your bonus percentage of salary or convert a target percentage into ca
• Borrowing Cost CalculatorCalculate the total cost of borrowing across loans. Enter principal, interest ra
• Break Even CalculatorFind your break even point in units and dollars. Enter fixed costs, price and va
• Buy 2 Get 1 Free CalculatorSee what a buy 2 get 1 free deal costs per item and how it compares with other t
• CAGR CalculatorTurn a start value, an end value and a number of years into a compound annual gr
• CD CalculatorCD calculator: enter a deposit, rate, term and compounding to see the maturity v
• CPI Inflation CalculatorConvert money between years with the official CPI-U formula. Enter an amount and
• CPM CalculatorWork out cost per mille from ad spend and impressions, or run the formula backwa
• California Overtime CalculatorEnter your hourly rate and daily hours to see California overtime pay: 1.5x over
• California Sales Tax CalculatorAdd California sales tax to any price: pick your county or city, from the 7.25%
• Cancel Subscription Savings CalculatorSee what cancelling subscriptions saves you: add your monthly costs to get the y
• Cap Rate CalculatorTurn rent and expenses into net operating income, then get the cap rate on the p
• Car Loan CalculatorFree car loan calculator: enter the price, down payment, trade-in, rebate and AP
• Car Worth CalculatorEstimate what your car is worth now: enter the price, age and yearly depreciatio
• Cash Back or Low Interest CalculatorCompare a cash rebate against a low APR car loan. See the monthly payment, the t
• Cash Wedding Gift CalculatorWork out how much cash to give at a wedding: pick your relationship, whether you
• Christmas Gift Budget CalculatorSet a Christmas gift budget from your income: enter take-home pay and how many p
• Closing Cost Percentage CalculatorConvert closing costs into a percentage of the purchase price or loan amount. Se
• Closing Costs CalculatorEstimate mortgage closing costs and total cash to close. Break down lender fees,
• Coffee Savings CalculatorSee what brewing at home saves: $4.25 a day, $1,547 a year, and up to $157,274 o
• Coffee Shop Tip CalculatorWork out the tip on a coffee or cafe order: enter the bill and tip rate to see t
• Commute Cost CalculatorAdd up what your commute costs each day, month and year, including gas, parking,
• Comparative Advantage CalculatorEnter hours per unit or output per worker for two producers and get every opport
• Compound Interest CalculatorSee what a balance grows to at any rate, with daily, monthly or annual compoundi
• Consumer Price Index CalculatorTurn two CPI-U readings into an inflation adjusted amount, then read the cumulat
• Contractor Dividend CalculatorWork out salary, corporation tax and dividends from your contract revenue. On £1
• Contribution Margin CalculatorFind contribution margin and the contribution margin ratio from price, units and
• Cost Benefit Analysis CalculatorCalculate NPV, benefit-cost ratio, discounted payback, and IRR for any project,
• Cost Effectiveness CalculatorCompare two programs with CER and ICER. Enter cost and effect for each option to
• Cost Function CalculatorCalculate total production cost, average fixed cost, variable cost per unit, and
• Cost Increase Percentage CalculatorCalculate cost increase percentage from original and new expenses. Determine uni
• Cost Per Mile CalculatorCompare your real cost per mile with the IRS standard mileage rate, and see whet
• Cost Per Use CalculatorDivide the total cost of any item by how many times you use it. See the real cos
• Cost Per Wear CalculatorFind out what a piece of clothing costs every time you wear it. Enter the price,
• Cost Savings CalculatorCalculate annual cost savings, percentage reduction, payback period in months, a
• Cost of Attendance CalculatorEstimate your college cost of attendance, including direct tuition and housing p
• Cost of Burnout CalculatorCalculate the organizational cost of workplace burnout across employee turnover,
• Cost of Capital CalculatorCalculate weighted average cost of capital (WACC) across equity, debt, and prefe
• Cost of Credit CalculatorEnter the amount, APR, term and fees to see the total cost of credit, the cost p
• Cost of Delay CalculatorCalculate the cost of delay on a project or feature: lost profit per week, oppor
• Cost of Doing Nothing CalculatorEstimate the cost of doing nothing: monthly leakage, escalating fix costs, and m
• Cost of Equity CalculatorEstimate your cost of equity with CAPM: a 4.99% Treasury yield, beta, and a 3.70
• Cost of Funds CalculatorCalculate a weighted cost of funds from deposit and borrowing balances, annualiz
• Cost of Meeting CalculatorWork out what a meeting costs: attendee pay with benefits, prep time and extras,
• Cost of Preferred Stock CalculatorCompute the cost of preferred stock from dividends, market price, and flotation
• Cost of Sales CalculatorAdd up beginning inventory, purchases, direct labor and freight, subtract ending
• Cost to Income Ratio CalculatorCalculate the cost to income ratio from operating expenses and operating income.
• Cost-Plus Margin CalculatorCalculate selling price, gross profit, and revenue from unit cost and markup or
• Couple Expense Split CalculatorSplit shared bills between two people by income or down the middle. Enter each i
• Coupon Value CalculatorSee what a coupon is worth. Enter the price, the coupon value and any minimum sp
• Credit Card Interest CalculatorEnter your balance, APR and monthly payment to see the interest added each month
• Credit Card Minimum Payment CalculatorSee what a minimum payment costs: the formula issuers use, a $5,000 example at 2
• Credit Card Payoff CalculatorFree credit card payoff calculator: enter your balance, APR and monthly payment
• Cross Price Elasticity CalculatorEnter two prices and two quantities to get cross price elasticity, a substitutes
• Current Ratio CalculatorEnter cash, receivables, inventory and current liabilities to get the current ra
• Customer Retention Cost CalculatorCalculate customer retention cost per customer, compare annual CRC with lifetime
• Daily Savings CalculatorDaily savings calculator: turn a daily amount into a yearly total and a future v
• Deal Value CalculatorDeal value calculator: compare two offers by price per unit. Enter each price an
• Debt Avalanche CalculatorDebt avalanche calculator: list your debts and an extra payment to see the payof
• Debt Payoff CalculatorSee how many months it takes to clear a balance at your interest rate and monthl
• Debt Snowball CalculatorDebt snowball calculator: list your debts and an extra payment to see the payoff
• Delivery Tip CalculatorDelivery tip calculator: enter the food total, the delivery fee and a tip rate t
• Depreciation CalculatorRun straight-line, double-declining and MACRS schedules on an asset. A $12,000 m
• Dinner Split CalculatorDinner split calculator: divide a bill by people. Enter the food total, tax and
• Discount CalculatorWork out the money saved and the final price from a percent off or a dollars off
• Discounted Cash Flow CalculatorDiscount future cash flows at your required return to see what an investment is
• Disposable Income CalculatorTurn gross pay into take-home pay, subtract fixed and variable bills, and see yo
• Dollar Cost Averaging CalculatorEnter the price you paid each period and see your average cost per share, total
• Dollar a Day SavingsDollar a day savings: see what a dollar a day becomes. Enter a daily amount and
• Double Discount CalculatorCalculate stacked percentage discounts, compare them with the naive sum, and see
• Double Time CalculatorFree double time calculator: enter your hourly rate and hours to see your 2x dou
• Down Payment CalculatorSee what a down payment does to your loan, your monthly payment and your PMI. Co
• Drive vs Fly CalculatorCompare the real cost of driving and flying for your trip. Enter miles, gas, air
• EBIT CalculatorCalculate EBIT two ways: revenue minus costs, or net income plus interest and ta
• EBITDA CalculatorWork out EBITDA from revenue and costs, or build it up from net income. A $1.2M
• Early Retirement CalculatorSee when your savings reach 25 times your spending. Enter spending, savings and
• Earnings Per Share CalculatorCalculate basic EPS and diluted EPS from net income, preferred dividends and sha
• Effective Interest Rate CalculatorConvert nominal interest rate or APR to effective annual rate (EAR) and APY acro
• Electricity Bill Split CalculatorSplit a shared electricity bill fairly. Enter the bill and the roommates, weight
• Emergency Fund CalculatorFind the right emergency fund size. Enter your monthly expenses and savings to s
• Estimated Cost CalculatorEstimate project cost from labor hours, rates, materials, permit fees and contin
• Estimated Monthly Payment CalculatorEstimate a full house payment: principal, interest, property tax, insurance, PMI
• FHA Monthly Payment CalculatorEstimate an FHA house payment for 2026 with upfront MIP, annual MIP, property ta
• FICA Tax Calculator2026 FICA calculator: Social Security 6.2% up to $184,500, Medicare 1.45% with n
• Fair Rent CalculatorSplit a $2,400 rent three ways by even share, bedroom size or income, and see wh
• Family Phone Plan Split CalculatorSplit a family phone bill fairly: enter the plan cost, the fee per line and what
• Fixed Cost CalculatorAdd monthly fixed costs like rent, insurance, depreciation and salaried payroll,
• Florida Overtime CalculatorCalculate Florida overtime pay under state and FLSA wage laws. Compute weekly ti
• Florida Sales Tax CalculatorFlorida sales tax calculator by county: enter a price and your county to see the
• Freight Class CalculatorTurn pallet dimensions and weight into pounds per cubic foot, then read the 2025
• Future Salary CalculatorCalculate your future salary based on annual raises, inflation, and years of gro
• Future Value CalculatorProject a lump sum plus monthly deposits, with the inflation-adjusted value, eff
• GDP CalculatorGDP calculator: convert nominal GDP to real GDP with the price deflator, find th
• GDP Price Index CalculatorCompute the GDP price index, implicit price deflator, real GDP, and annualized i
• GDP per Capita CalculatorDivide GDP by population to get output per person, then convert to purchasing po
• Gender Wage Gap CalculatorThe 2023 gender wage gap: women earned 83.6 cents on the dollar, a 16.4 percent
• Gift Tax CalculatorSee how much of a 2026 gift the $19,000 annual exclusion covers, what has to go
• Gold to Silver Price Ratio CalculatorEnter the gold price and the silver price to get the gold to silver ratio, its i
• Grocery Budget for a Family of 4See what a family of 4 should spend on groceries in 2026: USDA food plan costs r
• Gross Rent Multiplier CalculatorGet the gross rent multiplier, months of rent and gross yield from price and ren
• Growth Rate CalculatorEnter a starting value, an ending value and the number of periods to get total g
• HELOC Monthly Payment CalculatorCalculate your HELOC monthly payment during the draw and repayment periods. See
• Home Equity Loan Monthly Payment CalculatorWork out the monthly payment on a fixed rate home equity loan, with total intere
• Hourly Pay CalculatorEnter a gross paycheck, hours, overtime and tips to back out your real hourly ra
• Hourly to Salary CalculatorTurn an hourly wage into a yearly salary with overtime and unpaid weeks. See mon
• House Loan Monthly Payment CalculatorA $400,000 house with 10 percent down costs $3,030.44 a month. Enter price, rate
• How Long to Save CalculatorEnter a savings goal, what you have now, and your monthly deposit to see how man
• How Much Car Insurance Do I Need?Size your car insurance liability limits, deductible and physical damage coverag
• How Much Does a Wedding Cost?See what a US wedding costs in 2026: $34,200 on average, $292 per guest, with ve
• How Much House Can I AffordSee how much house you can afford. Enter your income, debts, down payment and ra
• How Much Rent Can I Afford?Enter your income and debts to see how much rent you can afford: the 30% rule, t
• How Much Should I Have in Savings By Age?Savings benchmarks by age: retirement salary multiples from 1x at 30 to 8x at 60
• How Much Should I Spend on Groceries Per Month?USDA's July 2026 food plans put a family of four at $1,024.90 to $1,682.90 a mon
• How Much to Save for College Per MonthWork backward from a college target: a 100000 dollar goal costs 251 dollars a mo
• How Much to Spend on an Engagement RingThe two months salary rule was an ad campaign, not a budget. Build a ring budget
• How Much to TipFree tip calculator: enter your bill and tip percentage to see the tip, the tota
• IRR CalculatorEnter an investment and its yearly cash flows to get the internal rate of return
• Income Based Rent Split CalculatorSplit rent by what each roommate earns: enter incomes and the rent to see each p
• Income Elasticity of Demand CalculatorCalculate income elasticity of demand from two incomes and two quantities, with
• Increase Price by Percentage CalculatorRaise any price by a percentage and see the new price, dollar increase and gross
• Indirect Costs CalculatorTurn an indirect cost pool and an allocation base into an overhead rate, then ap
• Inflation CalculatorFree US inflation calculator: enter an amount and two years to see what that mon
• Interest CalculatorFind simple and compound interest on any balance, or work backward to the rate a
• Interest Rate CalculatorSolve the interest rate behind a monthly payment, then add points and fees to se
• Internet Bill Split CalculatorSplit an internet bill between roommates in seconds: see the equal share, a pror
• Investment CalculatorFree investment calculator: add a starting amount, monthly contribution, return
• Itemized Bill Split CalculatorSplit a restaurant bill fairly: each person pays their own items plus a fair sha
• Laundry Cost Per Load CalculatorSee what one load of laundry costs. Enter your energy and water rates, detergent
• Line of Credit Monthly Payment CalculatorCalculate line of credit monthly payments. Interest-only draw, fixed percentage,
• Liquor Cost Percentage CalculatorCalculate bar pour cost percentage, drink recipe portion costs, bottle yields, a
• Loan CalculatorCompare two personal loan offers side by side: monthly payment, total interest,
• Machinery Cost CalculatorEstimate what a tractor, combine or excavator costs to own and run. Enter price,
• Maintenance Fee CalculatorCalculate condo and co-op maintenance fees. Operating vs. reserve split, square
• Margin CalculatorTurn cost and price into gross margin, markup and net profit. See why a $100 cos
• Markup CalculatorFree markup calculator: enter your cost and markup to see the selling price, pro
• Mileage Deduction CalculatorWork out your 2026 mileage deduction at the IRS rate for business, medical, movi
• Minimum Payment CalculatorSee how long a card takes to clear if you pay only the minimum, the interest you
• Mobile Home Monthly Payment CalculatorEstimate a mobile home payment with loan principal, interest, lot rent, taxes an
• Monthly Income CalculatorTurn an hourly rate, weekly pay or salary into monthly income, with the 2026 FIC
• Monthly Loan Payments CalculatorCalculate monthly loan payments, total interest, and payoff schedules for person
• Monthly Payment Formula CalculatorCalculate loan payments using the standard amortization formula. Learn the deriv
• Monthly Salary to Hourly Pay CalculatorTurn a monthly salary into an hourly wage. See how 2,080 paid hours, unpaid week
• Monthly to Annual Cost CalculatorConvert monthly expenses to annual, weekly, and daily costs. Calculate cumulativ
• Mortgage CalculatorFree mortgage calculator: enter the price, down payment, rate and term to get yo
• Motorcycle Monthly Payment CalculatorEstimate monthly motorcycle loan payments with APR, terms from 12 to 72 months,
• Mover Tip CalculatorEnter the bill, crew size and hours to see a fair mover tip three ways: percent,
• Nanny Cost CalculatorEstimate nanny cost from the hourly rate, weekly hours, overtime and employer pa
• Net Effective Rent CalculatorWork out net effective rent from face rent, free months and cash concessions, se
• Net Worth CalculatorAdd up what you own and what you owe to get your net worth, your debt ratio, and
• New York Sales Tax CalculatorAdd New York sales tax to any price: pick your county or city, from the 4% state
• Occupancy Cost CalculatorAnnual occupancy cost from base rent, operating expenses, utilities, parking, an
• Out-of-Pocket Cost CalculatorCalculate your health insurance out-of-pocket costs with deductibles, coinsuranc
• Overtime CalculatorEnter your hourly rate and hours worked to see your time-and-a-half overtime pay
• PVIFA CalculatorFind the present value interest factor of an annuity for any rate and term, with
• Part Time Hourly to Salary CalculatorEnter a part time hourly rate, weekly hours and paid weeks to see weekly, monthl
• Partial Month Salary CalculatorCalculate prorated salary for a partial month using workdays, calendar days, or
• Pay Off a $5,000 Credit CardSee how long a $5,000 credit card balance takes to clear at your APR and payment
• Pay Raise CalculatorFree pay raise calculator: see your new salary and what the raise adds per year,
• Payback Period CalculatorEnter a project cost and the cash it returns each year to get the simple and dis
• Pennies to Dollars CalculatorEnter a pile of pennies and get the dollar amount, plus coin rolls, coin weight
• Pension CalculatorEstimate a defined benefit pension from years of service, the plan multiplier an
• Percent Increase CalculatorFree percent increase calculator: enter an original value and a new value to get
• Percentage Increase CalculatorCalculate the percentage increase from old to new, work backwards to the origina
• Permit Fee CalculatorEstimate a building permit cost from project value: permit fee, plan review, tec
• Present Value CalculatorDiscount a lump sum, annuity or perpetuity to today at your rate. Get the PV, th
• Price Elasticity of Demand CalculatorCalculate price elasticity of demand from two prices and two quantities, with th
• Price Per Square Foot CalculatorTurn any total price into a price per square foot, per square yard or per square
• Price to Income Ratio CalculatorDivide home price by household income to get the price to income ratio, see the
• Price to Rent Ratio CalculatorDivide a home price by a year of rent to get the price to rent ratio, see which
• Profit CalculatorEnter revenue and costs to get net profit, profit margin and markup in one step,
• Property Management Cost CalculatorCalculate full property management costs including monthly fees, tenant placemen
• Prorated Rent CalculatorWork out rent for a partial month from your move-in or move-out date, using actu
• ROAS CalculatorCalculate ROAS from ad spend and revenue, then see the break-even ROAS your marg
• ROI CalculatorWork out return on investment from cost, sale value and income. See profit, the
• RV Monthly Payment CalculatorCalculate RV monthly payments based on loan amount, interest rate, down payment,
• Rebar Cost CalculatorAdd up what rebar costs in total: sticks to buy with waste, weight by ASTM A615,
• Rent Affordability CalculatorSee how much rent you can afford on your income, compare the 30% rule with HUD's
• Rent CalculatorAdd utilities, pet rent, parking, insurance and fees to an apartment's asking re
• Rent Increase CalculatorTurn a rent increase into dollars and percent, see the yearly cost, and check th
• Rental Property CalculatorEstimate rental property NOI, cap rate, mortgage payment, cash flow, cash-on-cas
• Renters Insurance Cost Per Month CalculatorConvert any renters policy to a monthly cost. Annual to monthly math, installmen
• Retirement Countdown CalculatorFree retirement countdown calculator: see the years, months, days and workdays u
• Return on Equity (ROE) CalculatorCalculate return on equity from net income and shareholders equity, then split i
• Reverse Discount CalculatorPaid $72 after 20% off? Enter the sale price and the discount to find the origin
• Reverse Sales Tax CalculatorEnter the total you paid and the sales tax rate to back out the price before tax
• Salary CalculatorCompare two salary offers on total pay: base, bonus, 401(k) match, health covera
• Salary Increase CalculatorTurn a raise into a new salary, a yearly increase and the change per paycheck. E
• Salary Raise Percentage CalculatorCalculate your pay raise percentage, new salary, paycheck difference, and real p
• Salary Range Percentile CalculatorEstimate your salary range percentile from a posted range and market quartiles.
• Salary to Hourly CalculatorTurn an annual salary into the rate you earn per hour, after unpaid weeks, unpai
• Sales Tax CalculatorAdd sales tax to any price or reverse a tax inclusive total back to its pre tax
• Sales Tax by State CalculatorCompare combined state and local sales tax rates for all 50 states in 2026, from
• Save $1,000 in 30 Days CalculatorSee the daily and weekly amount that gets you to $1,000 in 30 days, compare flat
• Savings Goal CalculatorEnter a goal, what you have saved and a monthly deposit to see how many months i
• Savings Interest Rate CalculatorSee what a 4.00% savings rate pays: APY of 4.07%, inflation-adjusted gain on $10
• Second Story Addition Cost CalculatorEstimate a second story addition in 2026: shell, structural reinforcement, stair
• Self-Employment Tax CalculatorEstimate self-employment tax on your 1099 or business profit: 15.3% for Social S
• Seller Cost CalculatorWork out what you keep when selling a home: agent commission, seller closing cos
• Selling Cost CalculatorAdd up what it costs to sell a house: repairs, staging, commission, transfer tax
• Simple Interest CalculatorEnter a principal, rate and term to get the simple interest, the total repaid an
• Social Security Monthly Payment CalculatorEstimate your monthly Social Security check for any claiming age 62 to 70. Enter
• Speaker Fee CalculatorEstimate what a keynote speaker costs an event and what the speaker keeps after
• Spin-Off Cost Basis CalculatorAllocate stock cost basis after a corporate spin-off using IRS relative fair mar
• Stacked Discount CalculatorTwo discounts of 20% and 25% give 40% off, not 45%. Stack percent-off codes, cou
• Standard Cost CalculatorBuild a standard cost card, then split material, labor and overhead variances in
• Startup Cost CalculatorAdd up the real cost of opening a shop: LLC filing, licenses, equipment, first i
• Stock Average Cost CalculatorStock average cost calculator: add each lot and commission to see your average c
• Streaming Cost CalculatorAdd up what your streaming plans cost. See the monthly and yearly total, the ad-
• Student Loan CalculatorFree student loan calculator: enter your balance, rate and term to see the month
• Subscription Cost CalculatorAdd up to five subscriptions on any billing cycle to see the monthly and yearly
• Subscription Cost per YearFind the true yearly cost of any subscription. Enter the price and billing cycle
• TSP Monthly Payment CalculatorWork out your TSP loan payment from balance, term, and the G Fund rate. See mont
• Take-Home Pay CalculatorTurn a gross salary into real take-home pay using the 2026 federal brackets, FIC
• Tattoo Tip CalculatorWork out a fair tip on a tattoo: enter the price and pick 15 to 25 percent to se
• Tax CalculatorEstimate 2026 federal income tax by filing status with the IRS brackets, standar
• Tax Refund EstimatorSee whether you get a refund or owe money: enter income, federal tax withheld an
• Texas Sales Tax CalculatorEnter a price and pick the local rate to see the 6.25 percent Texas state tax, t
• Time Card CalculatorFree time card calculator: enter your daily hours and hourly rate to get total h
• Time and a Half CalculatorFree time and a half calculator: enter your hourly rate and overtime hours to se
• Tip Calculator With TaxSee the tip on the pre-tax and post-tax amount side by side, the dollar gap betw
• Tip Jar Split CalculatorSplit a pooled tip jar by hours worked or by weighted role. Enter the pool, card
• Toyota Monthly Payment CalculatorWork out the monthly payment on a new Toyota after trade-in, down payment, sales
• Trip Gas Price CalculatorWork out fuel cost for any road trip from miles, MPG and the pump price, with fi
• Turnover Cost CalculatorSee what one resignation costs in recruiting, HR time, lost output, training and
• US Pay Gap CalculatorCompare any salary against the 2024 BLS median pay for full-time men and women,
• Upfront Cost CalculatorAdd up cash due on day one: down payment, tax, fees, prepaid insurance, setup an
• Utility Split CalculatorSplit electric, gas, water, and internet bills fairly among roommates by room si
• VA Monthly Payment CalculatorEstimate a VA loan payment with the 2026 funding fee, taxes, insurance and HOA.
• VAT CalculatorAdd VAT to a net price or take VAT out of a gross price at any rate. See the VAT
• Variable Cost Ratio CalculatorDivide variable costs by net sales to get your variable cost ratio, contribution
• Vehicle Monthly Payment CalculatorWork out a vehicle loan payment from price, trade-in, down payment, sales tax an
• WACC CalculatorBuild WACC from market values, a CAPM cost of equity and the after-tax cost of d
• Water Bill Split CalculatorSplit a shared water bill fairly: base meter fee divided equally, commodity char
• Wedding Gift CalculatorEstimate a wedding gift amount by relationship, head count, travel cost, and bud
• Wedding Vendor Tip CalculatorCalculate wedding vendor tips and cash gratuities across caterers, photographers
• Weekly Pay to Annual Salary CalculatorConvert your weekly pay to annual salary across 52-week, 50-week, monthly, and h
• Weekly Payment CalculatorTurn a loan amount, APR and term into a weekly payment, see total interest, comp
• Yard Clean Up Cost CalculatorEstimate yard clean up costs for spring or fall. Calculate pricing based on lot
• Yearly Loan Payment CalculatorSee the yearly cost of a loan: annual payment, first-year interest, a year-by-ye
• Yearly Wage CalculatorConvert hourly rate to yearly pay: enter rate, hours per week and weeks worked t
• Yield on Cost CalculatorFind your dividend yield on cost from purchase price, current dividend and growt
• Yield to Maturity CalculatorEnter a bond's price, coupon and years to get the exact YTM by bisection, plus c
• Zillow Monthly Payment CalculatorRebuild a Zillow-style house payment: principal, interest, tax, insurance, HOA a
• kWh to Cost CalculatorConvert kilowatt-hours (kWh) to electricity cost using current utility rates. Es

Money questions come up in small, ordinary moments: splitting a dinner bill, checking whether a raise beats inflation, figuring out how long a credit card balance will take to clear. These tools do the arithmetic so you can see the number before you make a decision.

What the numbers look like

Credit card interest is the one people underestimate most. A $5,000 balance at 22% APR paid at $250 a month takes 26 months to clear and costs $1,285.72 in interest, about 26% of the original balance. Paying $50 more each month cuts that to 21 months and $1,021.60 in interest, a saving of $1,776 compared with the slowest schedule in the chart.

• Tipping: a 20% tip on a $68 dinner is $13.60, and split three ways each person leaves $27.20 all in.
• Overtime: time and a half on a $20 hourly rate is $30 an hour, and double time is $40.
• Raises: moving from $62,000 to $68,000 is a 9.7% increase, and a jump from $10.99 to $13.99 on a subscription is 27.3%.
• Inflation: the calculator uses official BLS consumer price index data to show what an old amount is worth today.

The habit worth building is to run the percentage before reacting. A $3 increase feels the same whether it lands on an $11 service or a $60 pair of shoes, but it is 27% in one case and 5% in the other.