All calculators
Every calculator shows its formula, assumptions, and official sources — no black boxes.
Finance Calculators
View allMortgage Payment Calculator
Estimate your monthly mortgage payment, total interest, and total cost from loan amount, rate, and term — with the exact formula shown.
Mortgage Affordability Calculator
See how much house you can afford with the 28/36 rule lenders use — from income, debts, down payment, rate, and term.
Refinance Break-Even Calculator
Find how many months until refinance closing costs pay for themselves in monthly savings — or whether they never do.
HELOC Calculator
Estimate your home equity line from value, mortgage balance, and CLTV limit — then see the jump from interest-only to repayment payments.
Amortization Schedule Calculator
Full month-by-month amortization schedule with the interest/principal split, running balance, and one-click CSV export.
Extra Mortgage Payment Calculator
See how much sooner an existing mortgage ends and how much interest you save with extra monthly, yearly, or one-time principal payments.
401(k) Calculator
Project your 401(k) balance at retirement — see what you contribute, what your employer match adds, and what compounding growth delivers.
Retirement Calculator
Find your FI number (25× expenses) and how many years of saving it takes to reach financial independence, with a 5-year projection table.
Compound Interest Calculator
See how monthly compounding grows a starting amount plus monthly contributions — future value, total interest, and a year-by-year growth table.
Zakat Calculator
Calculate zakat on cash, gold, silver, investments, and business assets — nisab from today’s metal prices, 2.5% on net wealth, any currency.
Auto Loan Calculator
Estimate your monthly car payment with sales tax and trade-in included — plus total interest and the true total cost of the loan.
Credit Card Payoff Calculator
See how many months a fixed payment takes to clear your card balance, the total interest, and what doubling the payment saves.
Loan & EMI Calculator
Work out the monthly payment (EMI) on any fixed-rate loan — total interest, payoff date, APR with fees, and a year-by-year balance table.
Rent vs Buy Calculator
Compare the full cost of renting vs buying over your stay — mortgage, taxes, upkeep, rent increases, sale proceeds, lost returns — and the break-even year.
Rental Property Calculator
Run the numbers on a rental: NOI, cap rate, cash flow, cash-on-cash return, DSCR, gross rent multiplier, and gross yield, with every formula shown.
Tax Calculators
View allPaycheck Calculator
See your take-home pay per paycheck after federal income tax, Social Security, Medicare, and state tax — full annual breakdown and effective rate shown.
California Paycheck Calculator
Estimate California take-home pay after federal tax, FICA, and all nine CA state brackets — with the FTB formula and sources shown.
Texas Paycheck Calculator
Estimate Texas take-home pay — no state income tax, so only federal tax, Social Security, and Medicare come out of your paycheck.
Florida Paycheck Calculator
Estimate Florida take-home pay after federal income tax, Social Security, and Medicare — Florida has no state income tax on wages.
Washington Paycheck Calculator
Estimate Washington take-home pay — no state income tax on wages, so only federal tax, Social Security, and Medicare come out of your paycheck.
New Hampshire Paycheck Calculator
Estimate New Hampshire take-home pay — with the interest-and-dividends tax repealed, wages face only federal tax, Social Security, and Medicare.
Alaska Paycheck Calculator
Estimate Alaska take-home pay: no state income tax — federal tax, Social Security, and Medicare, plus a 0.5% state unemployment contribution.
Arizona Paycheck Calculator
Estimate Arizona take-home pay after federal tax, FICA, and Arizona's flat 2.5% state income tax — the lowest flat rate in the US. Free, with the math shown.
Colorado Paycheck Calculator
Estimate Colorado take-home pay after federal tax, FICA, and Colorado's flat 4.4% income tax on federal taxable income. Free, with the math shown.
Idaho Paycheck Calculator
Estimate Idaho take-home pay after federal tax, FICA, and Idaho's flat 5.3% state income tax. Free, no signup, with the formula and sources shown.
Illinois Paycheck Calculator
Estimate Illinois take-home pay after federal tax, FICA, and Illinois's flat 4.95% income tax with its per-person exemption. Free, with the math shown.
Indiana Paycheck Calculator
Estimate Indiana take-home pay after federal tax, FICA, and Indiana's flat 2.95% state income tax (county taxes noted separately). Free, math shown.
Louisiana Paycheck Calculator
Estimate Louisiana take-home pay after federal tax, FICA, and Louisiana's new flat 3% state income tax. Free, no signup, with the formula shown.
Michigan Paycheck Calculator
Estimate Michigan take-home pay after federal tax, FICA, and Michigan's flat 4.25% state income tax (city taxes noted separately). Free, math shown.
Mississippi Paycheck Calculator
Estimate Mississippi take-home pay after federal tax, FICA, and its flat 4% income tax above a $10,000 exemption. Free, with the math shown.
Pennsylvania Paycheck Calculator
Estimate Pennsylvania take-home pay after federal tax, FICA, and PA's flat 3.07% tax on gross pay (local EIT noted). Free, with the math shown.
Kansas Paycheck Calculator
Estimate Kansas take-home pay after federal tax, FICA, and Kansas's two-bracket income tax (5.2% / 5.58%) with its large personal exemption. Free, math shown.
Nebraska Paycheck Calculator
Estimate Nebraska take-home pay after federal tax, FICA, and Nebraska's graduated income tax (2.46%–4.55% for 2026). Free, with the formula and sources shown.
Virginia Paycheck Calculator
Estimate Virginia take-home pay after federal tax, FICA, and Virginia's graduated income tax (2% to 5.75%). Free, no signup, with the formula and sources.
New Jersey Paycheck Calculator
Estimate New Jersey take-home pay after federal tax, FICA, and New Jersey's graduated income tax (1.4% to 10.75%). Free, with the formula and sources shown.
New Mexico Paycheck Calculator
Estimate New Mexico take-home pay after federal tax, FICA, and New Mexico's graduated income tax (1.5% to 5.9%). Free, with the formula and sources shown.
Rhode Island Paycheck Calculator
Estimate Rhode Island take-home pay after federal tax, FICA, and Rhode Island's income tax (3.75% / 4.75% / 5.99%). Free, with the formula and sources shown.
Delaware Paycheck Calculator
Estimate Delaware take-home pay after federal tax, FICA, and Delaware's graduated income tax (2.2% to 6.6%). Free, with the formula and sources shown.
Maine Paycheck Calculator
Estimate Maine take-home pay after federal tax, FICA, and Maine's graduated income tax (5.8% to 7.15%). Free, with the formula and sources shown.
North Dakota Paycheck Calculator
Estimate North Dakota take-home pay — its 0% bracket means many middle incomes owe no state tax, then 1.95% / 2.5%. Free, with the math shown.
Vermont Paycheck Calculator
Estimate Vermont take-home pay after federal tax, FICA, and Vermont's graduated income tax (3.35% to 8.75%). Free, with the formula and sources shown.
Georgia Paycheck Calculator
Estimate Georgia take-home pay after federal tax, FICA, and Georgia's flat 4.99% income tax. Free, with the 2026 formula and sources shown.
Iowa Paycheck Calculator
Estimate Iowa take-home pay after federal tax, FICA, and Iowa's new flat 3.8% income tax. Free, with the 2026 formula and sources shown.
Kentucky Paycheck Calculator
Estimate Kentucky take-home pay after federal tax, FICA, and Kentucky's flat 3.5% income tax. Free, with the 2026 formula and sources shown.
North Carolina Paycheck Calculator
Estimate North Carolina take-home pay after federal tax, FICA, and NC's flat 3.99% income tax. Free, with the 2026 formula and sources shown.
Massachusetts Paycheck Calculator
Estimate Massachusetts take-home pay after federal tax, FICA, and Massachusetts's flat 5% income tax. Free, with the 2026 formula and sources shown.
Montana Paycheck Calculator
Estimate Montana take-home pay after federal tax, FICA, and Montana's two-bracket income tax (4.7% to 5.65%). Free, with the 2026 formula and sources shown.
Oklahoma Paycheck Calculator
Estimate Oklahoma take-home pay after federal tax, FICA, and Oklahoma's 2026 income tax (a 0% band, then 2.5% to 4.5%). Free, with the formula shown.
Washington DC Paycheck Calculator
Estimate Washington DC take-home pay after federal tax, FICA, and DC's graduated income tax (4% to 10.75%). Free, with the 2026 formula and sources shown.
Tax Refund Calculator
Estimate your 2026 federal tax refund — or what you may owe — from income, W-2 withholding, and the child tax credit, with the math shown.
Health Calculators
View allBMI Calculator
Check your body mass index in metric or imperial units and see your WHO weight category instantly — with the exact formula and sources shown.
TDEE Calculator
Estimate your daily calorie burn with the Mifflin-St Jeor equation, plus maintenance, cut, and bulk targets — formula and sources shown.
Business Calculators
View allTimesheet Calculator
Add up weekly work hours from clock-in/out times with breaks, overtime after 40h, pay totals, and a CSV export. Handles night shifts.
Payroll Hours Calculator
Total an employee’s weekly hours for payroll — in/out times, unpaid breaks, FLSA overtime split, and a CSV you can file.
Legal Tools
View allNDA Generator
Create a free non-disclosure agreement (mutual or one-way) — fill in the parties and terms, preview the clauses, and download a clean PDF, all in your browser.
Lease Agreement Generator
Generate a residential lease agreement template — landlord, tenant, rent, deposit, and term — with a live preview and PDF download, entirely on your device.
Freelance Contract Generator
Create an independent contractor agreement for freelance work — scope, fee, payment terms, and IP ownership — previewed live and downloaded as a PDF. No signup.
Promissory Note Generator
Write a promissory note for a personal or business loan — principal, interest, and repayment terms — with a live preview and PDF download, generated locally.
Home & Construction
View allSquare Footage Calculator
Add up the square footage of any space — rectangles, triangles, and circles per area, summed live with the metric equivalent shown.
Paint Calculator
Work out how many gallons of paint a room needs — wall area minus doors and windows, times coats, at your can's real coverage rate. Math shown.
Flooring Calculator
Work out how many boxes of flooring to order — area plus the right cutting-waste allowance for your layout, divided by the coverage on the box label.
Concrete Calculator
Slab volume in cubic yards plus exact 80/60/40 lb bag counts from the yields printed on the bags — with an honest bags-vs-ready-mix threshold.
BTU Calculator
Size a room air conditioner with the ENERGY STAR table and its published adjustments — sun, occupants, ceilings, kitchens — plus why oversizing backfires.
Education Calculators
View allFinal Grade Calculator
What do you need on the final? Enter your current grade, target, and the exam weight — get the required score with an honest achievable/impossible verdict.
Weighted Grade Calculator
Combine homework, midterms, and finals by their weights into your course grade — with a warning when weights don't add to 100%.
GPA Converter & Calculator
Convert percentages to letter grades and 4.0-scale GPA, and compute your credit-weighted cumulative GPA — with the full scale shown.
Everyday Calculators
View allPercentage Calculator
Solve all three percentage questions in one place — X% of Y, X as a percent of Y, and percent change — instantly, with the sentence spelled out.
Age Calculator
Turn a date of birth into an exact age in years, months, and days — plus total days lived and a countdown to the next birthday.
Date Difference Calculator
Count the days between two dates — total days, weeks plus days, and a calendar breakdown, with an option to include the end day.
Unit Converter
Convert length, weight, temperature, volume, area, and speed between 46 units using exact international definitions — instantly, with the formula shown.
CM to Inches Converter
Convert centimeters to inches (and back) with the exact 2.54 factor — instant results, a common-sizes table, and the height conversions people actually look up.
KG to LBS Converter
Convert kilograms to pounds (and back) using the exact 2.2046226 factor — body weight, luggage limits, and gym plates, converted instantly on your device.
Celsius to Fahrenheit Converter
Convert °C to °F (and back) with the exact formula — weather, fever, and oven temperatures instantly, plus the anchor points worth memorizing.
Miles to KM Converter
Convert miles to kilometers (and back) with the exact 1.609344 factor — road distances, running races, and speed limits, converted as you type.
Meters to Feet Converter
Convert meters to feet (and back) using the exact 0.3048 definition — ceilings, mountains, pools, and altitude, with a common-values table.
Grams to Ounces Converter
Convert grams to ounces (and back) with the exact 28.349523 factor — recipes, postage, and portions, plus the troy-ounce trap explained.
Liters to Gallons Converter
Convert liters to US gallons (and back) with the exact 3.785411784 definition — fuel, tanks, and aquariums, with the UK imperial gallon handled honestly.
MM to Inches Converter
Convert millimeters to inches (and back) with the exact 25.4 definition — plus the fraction table (1/16ths) that hardware and jewelry sizes actually use.
Feet to Meters Converter
Convert feet to meters (and back) using the exact 0.3048 definition — real estate, aviation altitudes, and sports distances, converted instantly.
KM/H to MPH Converter
Convert km/h to mph (and back) with the exact 1.609344 relationship — speed limits abroad, treadmill settings, and wind speeds, as you type.
Pounds to KG Converter
Convert pounds to kilograms instantly (and back) with the exact 0.45359237 definition — for metric medical forms, international shipping, and metric gyms.
Inches to CM Converter
Convert inches to centimeters instantly (and back) with the exact 2.54 definition — TV sizes, US product specs, and sewing measurements in metric.
Fahrenheit to Celsius Converter
Convert °F to °C instantly (and back) with the exact formula — US oven recipes, thermostat settings, and weather for metric readers.
KM to Miles Converter
Convert kilometers to miles instantly (and back) with the exact 0.62137119 factor — race distances, pace math, and rental-car odometers.
Stone to KG Converter
Convert stone to kilograms instantly (and back) — the exact 6.35029318 factor, plus stones-and-pounds arithmetic for UK body weight.
ML to OZ Converter
Convert milliliters to US fluid ounces instantly (and back) — the exact 29.5735 factor, the TSA 100 mL = 3.4 oz rule, and recipe liquid measures.
Square Meters to Square Feet Converter
Convert square meters to square feet instantly (and back) with the exact 10.7639 factor — apartment listings, offices, and why linear factors mislead.
Hectares to Acres Converter
Convert hectares to acres instantly (and back) with the exact 2.4710538 factor — farmland, plots, and how both units relate to football pitches.
MPH to KM/H Converter
Convert mph to km/h instantly (and back) with the exact 1.609344 factor — US speed limits for visiting drivers, hurricane categories, and ball speeds.
Yards to Meters Converter
Convert yards to meters instantly (and back) with the exact 0.9144 definition — golf distances, pool lengths, fabric, and football fields.
Word Game Solvers
View allAnagram Solver
Find every anagram of your letters — full rearrangements plus all shorter words, from the 172,000-word public-domain ENABLE list, solved on your device.
Jumble Solver
Unjumble scrambled letters instantly — the dictionary words that use every letter, plus shorter words for two-word puzzles. Solved locally, no signup.
Wordle Solver
Enter your guesses, click the tiles to match the colors, and see every word that fits — ranked by letter frequency, filtered entirely on your device.
Scrabble Word Finder
Every word your tiles can play, scored with standard letter values and sorted highest first — blanks supported, searched locally on your device.