Free calculators & tools, explained in plain English
Mortgages, loans, taxes, QR codes, text tools, passwords and more. Get instant answers with clear explanations, no sign-up needed.
Everyday tools, calculated
Free tools for money, work and daily life: finance calculators, QR generators, text tools, password tools and more. Pick a category to filter.
Mortgage Calculator
Estimate your monthly mortgage payment with taxes, insurance and PMI.
Home LoansHome Affordability Calculator
Find out how much house your income can comfortably support.
LoansLoan Payment Calculator
Monthly payment, total interest and payoff timeline for any loan.
LoansEMI Calculator
Compute equated monthly installments and lifetime interest cost.
InvestingCompound Interest Calculator
Watch your money grow, contributions plus compounding returns.
SavingSavings Goal Calculator
How much to save each month to hit any target on time.
DebtDebt Payoff Calculator
Your debt-free date, total interest and the fastest payoff plan.
Home LoansRefinance Calculator
Is refinancing worth it? Compare payments, savings and breakeven.
LoansAuto Loan Calculator
Monthly car payment with down payment, trade-in and loan term.
TaxesSalary Paycheck Calculator
US take-home pay after federal, FICA and state taxes.
DebtCredit Card Payoff Calculator
How fast you can kill credit card debt, and what it costs.
InvestingRetirement Savings Calculator
Project your 401(k) growth with contributions and employer match.
LoansStudent Loan Calculator
Monthly payment, total interest and the payoff boost from extra payments.
PlanningNet Worth Calculator
Add up everything you own, subtract what you owe, see where you stand.
PlanningBudget Calculator
Apply the 50/30/20 rule to your income and spot budget leaks.
SavingEmergency Fund Calculator
How big your safety net should be, and how fast you can build it.
InvestingInflation Calculator
See what rising prices do to your money over time.
InvestingROI Calculator
Total return and annualized growth for any investment.
SavingCollege Savings Calculator
Project future tuition costs and the monthly savings to cover them.
LoansDebt-to-Income Ratio Calculator
The number lenders check first, computed from your debts.
TaxesSalary to Hourly Calculator
Convert between annual salary and hourly wage instantly.
LoansCar Affordability Calculator
How much car your income can handle, using the 15% rule.
Home LoansRent vs Buy Calculator
The true 7-year cost of renting against buying, side by side.
Home LoansHome Equity Loan Calculator
Your equity, LTV and how much you can borrow against your home.
InvestingAPR to APY Converter
Convert nominal rates to true yields, both directions.
PlanningTip Calculator
Tip, total and per-person split in one tap.
TaxesOvertime Pay Calculator
Regular pay plus time-and-a-half, weekly and annual totals.
Investing401(k) Max-Out Calculator
Are you maxing your 401(k)? Contributions, match and tax savings.
SavingHigh-Yield Savings Calculator
What a high APY really earns you versus a regular account.
TaxesCapital Gains Tax Calculator
Tax on your profit, long-term vs short-term, after-tax proceeds.
LoansLoan Comparison Calculator
Two loan offers head-to-head: payment, interest and total cost.
TaxesPaycheck Breakdown Calculator
Where every dollar of your paycheck goes, visualized.
RetirementRoth vs Traditional IRA Calculator
Which IRA wins for you? Compare after-tax retirement values side by side.
Home LoansBiweekly Mortgage Calculator
See how paying half your mortgage every 2 weeks shaves years off your loan.
Taxes1099 vs W-2 Calculator
Contractor vs employee take-home pay - which one really pays more?
TaxesSelf-Employment Tax Calculator
How much SE tax you owe on freelance and 1099 income.
TaxesQuarterly Estimated Tax Calculator
How much to pay each quarter, with 2026 IRS due dates.
RetirementRoth vs Traditional 401(k) Calculator
Which 401(k) wins for you? Fair take-home comparison with employer match.
TaxesSide Hustle Tax Calculator
What your gig work really keeps after self-employment + income tax.
Text ToolsCharacter Counter
Count characters, words and lines instantly - with live social-media limit meters.
Text ToolsWord Counter
Count words and characters, estimate reading time, and check keyword density.
Text ToolsCase Converter
Convert text between UPPER, lower, Title, Sentence, aLtErNaTiNg and InVeRsE case.
QR ToolsQR Code Generator
Create free QR codes for links, text and contact info - download as PNG or SVG, no signup.
QR ToolsWiFi QR Generator
Share your WiFi with a scannable QR code - guests join without typing the password. Print a guest sign.
TaxesPay Stub Generator
Create a free printable pay stub from your hours, rate and deductions - with FICA auto-calc and YTD columns.
Security ToolsPassword Generator
Generate strong random passwords and memorable passphrases - crypto-secure, 100% in your browser.
Developer ToolsJSON Formatter & Validator
Format, minify, validate and explore JSON in your browser - with tree view, error pinpointing and JSON-to-CSV.
Developer ToolsUUID Generator
Generate RFC 4122 v4 UUIDs in bulk - crypto-secure, uppercase and no-hyphens modes, copy or download.
Text ToolsLorem Ipsum Generator
Generate classic or themed placeholder text - Latin, startup, coffee and pirate ipsum, with copy and download.
Time ToolsStopwatch & Timer
Free online stopwatch with lap times, a countdown timer with quick presets, and a Pomodoro focus timer - all on one page.
Developer ToolsHex to RGB Color Converter
Convert hex colors to RGB, RGBA and HSL instantly - two-way converter with live color picker plus a 9-step brand palette generator.
QR ToolsFree Barcode Generator
Create scannable barcodes instantly: Code 128, EAN-13, UPC-A, Code 39, ITF-14 and Codabar, with SVG/PNG download and a printable product label sheet.
Image ToolsFree Image Compressor
Shrink JPG, PNG and WebP images right in your browser: batch compression, resize limits, and a target file size mode for portal limits, with no upload and no signup.
Developer ToolsBase64 Encoder & Decoder
Encode text to Base64 or decode it back, UTF-8 safe: standard and URL-safe alphabets, padding control, file-to-Base64, and data-URI decoding, all in your browser.
Developer ToolsURL Encoder & Decoder
Percent-encode URLs and text or decode them back: encodeURIComponent vs encodeURI scopes, %20 vs + spaces, double-encoding detection, URL parts breakdown and a query-string builder, all in your browser.
Developer ToolsText Diff Checker
Compare two texts side by side in one view: added lines in green, removed lines in red, the exact changed words highlighted inside changed lines, ignore-whitespace and ignore-case options, and a downloadable unified diff, all in your browser.
Developer ToolsJSON to CSV Converter
Turn JSON into a spreadsheet-ready CSV, or CSV back into JSON: nested objects flatten to dot-notation columns, fields escape per RFC 4180, delimiters, header rows and Excel-safe UTF-8 BOM included, all in your browser.
Developer ToolsUnix Timestamp Converter
Turn a Unix timestamp into a readable date, or a date into a timestamp: seconds, milliseconds, microseconds and nanoseconds with auto-detection, UTC plus local and 11 extra timezones, relative time, and batch conversion, all in your browser.
Developer ToolsJWT Decoder
Decode a JSON Web Token in your browser: read its header and payload, see every claim with human-readable expiry and issue dates, and catch alg none and expired-token risks before they reach production.
Developer ToolsMarkdown to HTML Converter
Convert Markdown to clean, safe HTML in your browser: live rendered preview, raw HTML source, GFM tables, task lists and code blocks, with copy and standalone .html download.
Developer ToolsRegex Tester
Test JavaScript regular expressions live: highlighted matches, capture-group inspection, all six flags, a pattern library, find-and-replace preview and a copyable code snippet, all in your browser.
Developer ToolsCron Expression Builder
Build a 5-field cron schedule without memorizing syntax: per-field controls, plain-English explanation, next 5 run times and a copyable crontab line, all in your browser.
Numbers you can trust, explained like a friend would
Most expensive financial mistakes share one trait: nobody did the math first. We make that math effortless, and make sure you understand it.
Real formulas, verified
Standard amortization math, federal tax brackets and payoff logic, tested against known benchmarks. No black boxes, no guesswork.
Private by design
Every calculation runs entirely in your browser. The numbers you type never leave your device, are never stored, never sold.
Plain English, always
Each result comes with an explanation of why the numbers look that way, so you understand the decision, not just the digit.
Latest money guides
In-depth, jargon-free explainers that pair with the calculators.
What Mortgage Can I Afford on a $100K Salary? ($314K-$369K Loan in 2026)
On $100K salary you can afford a $314K-$369K mortgage at 6.5% on a 30-year loan. See the exact 28/36 math, a $350K home payment table, and how debts shrink the number.
InvestingHow Much Do I Need to Invest Per Month to Reach $1 Million? (2026 Math)
At 7% annual returns, $381 a month for 40 years reaches $1 million. With only 30 years it takes $820 a month, and with 20 years $1,920. The full table, the cost of waiting, and what $500 a month really becomes.
Money GuidesHow Much Tax Do I Pay on 1099 Income? (2026 Self-Employment Tax Explained)
On $100,000 of 1099 income, self-employment tax alone is $14,129.55, before income tax. The 15.3% formula, a full tax table, and quarterly payment math for 2026.
Frequently asked questions
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The average homebuyer who compares total loan costs saves thousands. Run your numbers in under a minute, free.