Finance tools
20 browser-based personal finance calculators — compound interest, mortgage, amortization, debt snowball, emergency fund, Rule of 72, house affordability, 401(k), inflation, tip splitting, VAT, payroll, and more. No signup, no cloud, nothing leaves your device.
Finance Tools
-
Tip Calculator
Calculate tip amount and total per person for any bill size and party.
Open tool →
-
Bill Splitter
Split a restaurant or shared bill equally or by custom amounts per person.
Open tool →
-
Currency Converter
Convert between 30+ currencies using reference exchange rates — no API needed.
Open tool →
-
Savings Goal Planner
Find out how long it takes to reach a savings target with monthly contributions.
Open tool →
-
Retirement Planner
Estimate your retirement nest egg based on monthly savings, rate of return, and years to retire.
Open tool →
-
Investment Return Calculator
Calculate compound interest and future value of any lump-sum or recurring investment.
Open tool →
-
VAT Calculator
Add or remove VAT from any price — supports custom rates for any country.
Open tool →
-
Payroll Calculator
Estimate net take-home pay from gross salary after tax rate and deductions.
Open tool →
-
Freelance Quote Calculator
Build a client quote from hourly rate, estimated hours, overhead, and desired profit margin.
Open tool →
-
Profit Margin Calculator
Calculate gross profit, profit margin percentage, and markup from revenue and cost.
Open tool →
-
Compound Interest Calculator
Calculate how investments grow with compound interest — any rate, frequency, and time horizon.
Open tool →
-
Mortgage Calculator
Estimate monthly mortgage payments, total interest, and full cost from price, rate, and term.
Open tool →
-
Amortization Schedule
Generate a full month-by-month loan repayment table showing principal and interest breakdown.
Open tool →
-
Debt Snowball Calculator
Plan debt payoff using the snowball method — smallest balance first, extra payment rolling.
Open tool →
-
Emergency Fund Calculator
Find your ideal emergency fund target and how long to build it with monthly savings.
Open tool →
-
Rule of 72 Calculator
Estimate years to double your money at any annual return rate — and the reverse.
Open tool →
-
Car Lease vs Buy Calculator
Compare total cost of leasing versus financing a car purchase over any time period.
Open tool →
-
House Affordability Calculator
Find the maximum home price you can afford based on income, debts, and down payment.
Open tool →
-
401(k) Projection Calculator
Project your 401(k) balance at retirement from current savings, contributions, and employer match.
Open tool →
-
Inflation Impact Calculator
See how inflation erodes purchasing power — future cost of today's goods and services.
Open tool →
Why browser-only finance tools?
Salary figures, investment amounts, and business margins are sensitive data. Sending them to a third-party server — even a reputable one — creates an unnecessary privacy risk. Every tool on this page runs entirely in your browser: your numbers stay on your device, calculations happen instantly, and the tools work offline once the page has loaded.
Choosing the right tool
For dining: use the Tip Calculator for quick single-person bills or the Bill Splitter for group meals. For travel: the Currency Converter handles 30+ currencies. For personal goals: the Savings Goal Planner, Emergency Fund Calculator, and Retirement Planner show you how far your monthly contributions go. For investing: Compound Interest Calculator, Rule of 72, 401(k) Projection, and Inflation Impact. For real estate: the Mortgage Calculator, Amortization Schedule, and House Affordability Calculator. For business: use the VAT Calculator, Payroll Calculator, Freelance Quote Calculator, Profit Margin Calculator, and Car Lease vs Buy.
Frequently Asked Questions
- Do these finance tools send my numbers anywhere?
- No. Every tool on this page runs entirely in your browser using JavaScript. Your salary figures, savings amounts, and business data never leave your device — not even temporarily.
- Are the currency rates up to date?
- The Currency Converter uses reference rates that are periodically updated in the tool. Because the site is static and runs offline-capable, live rates require an API — the static rates are suitable for quick estimates and travel planning.
- Which tool should I use for a restaurant bill?
- Use the Tip Calculator to work out the gratuity and per-person share in one step. For groups with unequal shares, switch to the Bill Splitter which lets you assign different amounts to each person.