Money & Business — All 204 Free Online Tools

Every money & business tool on Toolfyra in one place — 204 free tools that run entirely in your browser. No signup, no uploads, no watermarks: open a tool, use it, close it — your data never leaves your device.

🍽️

Tip Calculator

Free tip calculator: add a tip percentage, split the bill between friends and see exactly what each person pay

🧾

GST / VAT Calculator

Free GST/VAT calculator: add tax to a net price or remove (reverse) tax from a gross price. Instant net, tax a

📈

Profit Margin Calculator

Free profit margin calculator: compute margin %, markup % and profit from cost and selling price — or find the

🌱

Compound Interest Calculator

Free compound interest calculator: project savings growth with yearly/quarterly/monthly compounding and regula

🧾

Invoice Generator

Free invoice generator: create a professional invoice with items, tax and totals — then print or save as PDF f

💸

Debt Payoff Coach

Free debt payoff coach: track debts, see your debt-free date, compare snowball vs avalanche, get smart guidanc

⏱️

Hourly to Salary Converter

Free hourly to salary converter: hourly rate × hours × weeks = annual, monthly and weekly pay — overtime note

⏰

Overtime Pay Calculator

Free overtime pay calculator: weekly FLSA time-and-a-half, California daily OT and double-time, plus the regul

🎁

Bonus Tax Calculator

Free bonus tax calculator: see how a bonus is taxed two ways — the 22% federal supplemental flat rate vs addin

🛒

Sales Tax Calculator

Free sales tax calculator for all 50 states + DC: add tax, remove tax from a total (reverse), or solve for the

📈

Capital Gains Estimator

Free capital gains estimator: buy/sell price, holding period, and estimated US tax — 0%/15%/20% long-term brac

🏦

401k Growth Calculator

Free 401k growth calculator: contribution + employer match projected to retirement with compound growth — show

⚔️

Roth vs Traditional Calculator

Free Roth vs Traditional calculator: same contributions, different tax timing — see which leaves you more afte

👴

Social Security Claiming Calculator

Free Social Security calculator: see your estimated monthly benefit at every claiming age 62–70 — early reduct

🏠

Mortgage Affordability Calculator

Free mortgage affordability calculator: income and debts in, maximum home price out — the 28/36 rule lenders u

📑

Closing Cost Estimator

Free closing cost estimator: loan price in, estimated buyer closing costs out — origination, title, appraisal,

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Refinance Break-Even Calculator

Free refinance break-even calculator: old vs new payment and closing costs — see exactly how many months until

🔑

Rent Affordability Calculator

Free rent affordability calculator: income in, max rent out — the 3x gross rule landlords use, the 30% budget

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Rent vs Buy Calculator

Free rent vs buy calculator: monthly rent vs owning costs (mortgage, tax, insurance, maintenance) over your pl

🚗

Auto Loan Calculator

Free auto loan calculator: car price, trade-in, sales tax, down payment, rate and term — monthly payment, tota

🤝

Lease vs Buy Calculator

Free lease vs buy calculator: compare 3-year total cost of leasing vs buying the same car — payments, down, sa

📉

Car Depreciation Calculator

Free car depreciation calculator: see your car's estimated value year by year — the 20%-year-one then ~15% cur

🇬🇧

UK Take-Home Calculator

Free UK salary calculator: gross to take-home with 2026/27 income tax bands (£12,570 allowance) and National I

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UK Stamp Duty Calculator

Free UK Stamp Duty Land Tax calculator: price in, SDLT out — current England/NI bands, first-time-buyer relief

🚙

UK Mileage Allowance Calculator

Free UK mileage calculator: AMAP rates (45p first 10,000 miles, 25p after) — business miles value, employer re

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UK Inheritance Tax Calculator

Free UK IHT calculator: estate value, home left to children, spouse context — nil-rate band £325k + residence

🇨🇦

Canada Take-Home Calculator

Free Canadian salary calculator: gross to take-home with federal brackets, basic personal amount, CPP and EI p

🇦🇺

Australia Take-Home Calculator

Free Australian salary calculator: gross to take-home with stage-3 tax rates, Medicare levy and the tax-free t

🔥

FIRE Number Calculator

Free FIRE calculator: annual expenses × 25 = your FIRE number, plus years-to-FI from your savings rate — lean,

🏧

Withdrawal Rate Calculator

Free withdrawal rate calculator: portfolio in, sustainable annual and monthly income out — 3%, 3.5% and 4% rul

🌅

Retirement Drawdown Calculator

Free retirement drawdown calculator: savings, annual spending, returns and inflation — see how many years your

💸

Moving Cost Estimator

Free moving cost estimator: home size and distance in — DIY truck+gas vs professional movers compared, with th

🏠

Roommate Bill Split Calculator

Free roommate split calculator: rent, utilities and shared bills split fairly — equal shares or by room size,

🧾

Subscription Audit Calculator

Free subscription audit: add every Netflix, Spotify, gym and app subscription — see the shocking annual total

📦

Amazon Fee Calculator

Free Amazon seller fee calculator: price and category in — referral fee (~8-15%), FBA fulfillment estimate, an

🔨

eBay Fee Calculator

Free eBay fee calculator: sale price, category final value fee (~13.6% typical) and per-order fee — your true

🧶

Etsy Fee Calculator

Free Etsy fee calculator: listing fee $0.20, 6.5% transaction fee, payment processing ~3% + $0.25, offsite-ads

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Reseller Margin Calculator

Free reseller profit calculator: buy cost, sale price, marketplace fees and shipping — net profit, margin, ROI

🏖️

Vacation Accrual Calculator

Free PTO accrual calculator: annual allowance, hours worked and usage — see accrued vacation hours, remaining

⏳

Invoice Late Fee Calculator

Free late invoice calculator: invoice amount, due date and daily rate — interest owed, running total by month,

💼

Freelance Rate Calculator

Free freelance rate calculator: target salary + expenses + billable hours + taxes = your true hourly rate — th

🪙

Crypto Profit Calculator

Free crypto profit calculator: buy price, sell price, amount and exchange fees (~0.1-0.5%) — net P&L, ROI % an

💰

Dividend Yield Calculator

Free dividend yield calculator: share price and dividend in — yield %, annual income on your shares, and the y

⚖️

Net Worth Calculator

Free net worth calculator: assets (cash, home, investments) minus debts — your true net worth, tracked against

🕌

Zakat Calculator

Free Zakat calculator with 2026 nisab: enter gold, silver, cash, investments and liabilities — get your exact

⚡

Electricity Bill Calculator

Estimate your Pakistani electricity bill from units consumed: editable slab tariffs, taxes and surcharges incl

💵

Paycheck Calculator

One paycheck calculator for all 50 states + DC: pick your state, enter salary, get take-home after federal, st

🏷️

Discount Calculator

Free discount calculator: price minus percent off, plus tax option, double discounts (20% then 10%) and final

📈

Markup Calculator

Free markup calculator: cost + markup % = selling price, with gross margin % — and the markup-vs-margin differ

📊

ROI Calculator

Free ROI calculator: gain minus cost over cost, plus annualized ROI for multi-year investments — instant and c

📈

CAGR Calculator

Free CAGR calculator: beginning value, ending value, years → exact compound annual growth rate + total growth.

🏦

Simple Interest Calculator

Free simple interest calculator: P × R × T computed instantly with total amount — plus when simple beats compo

⚖️

Break-Even Calculator

Free break-even calculator: fixed costs, price, variable cost → break-even units and revenue, with margin per

📉

Inflation Impact Calculator

See what today's savings will actually buy in 1–30 years at any inflation rate, and the yearly amount needed t

🧾

Split Bill by Item

Assign each bill item to the people who had it (plus shared items everyone splits) and get exact per-person to

💒

Wedding Budget Calculator

Starts from your real per-head venue cost and back-solves the whole budget with planner percentages — the fast

🧮

Side Hustle Tax Set-Aside Calculator

Freelancers get no withholding, so the pros move a fixed % to a separate account on every payment. The buffers

🛫

Startup Runway Calculator

Runway = cash ÷ net burn. The 12-month line is where founders stay negotiable; fundraising starts ~6 months be

📦

Layoff Severance Estimator

Common formulas range 2-weeks to 1-month per service year. The point is leverage: know the ballpark before you

📈

Salary Negotiation Raise Calculator

Builds your ask from three defensible legs: inflation catch-up, market comp gap, and documented performance —

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Four-Day Week Pay Impact Calculator

Compares the 100-80-100 model (full pay, 80% hours) against pro-rata — showing the hourly-rate truth of each.

🏢

Home Office Deduction Estimator

Runs both IRS-style methods (actual % of home costs vs $5/sq ft simplified, capped) so you take the bigger one

🌍

Take-Home Comparator (same gross, 3 countries)

Relocation offers quote GROSS; lives are lived on NET. Plug each country's effective all-in rate and compare w

🏘️

Rent Increase Legality Checker (US state caps)

Encodes the well-known cap regimes (CA AB1482, OR statewide, NY RGB, no-cap states) with a verify-current-law

⚖️

Job Offer Comparator (A vs B)

Lines up year-one cash (base+bonus) both ways; the reminder list keeps equity and commute in the conversation.

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Rent Receipt Generator

The five fields every valid rent receipt needs — copy, fill the payment-mode blank, sign. Template, not legal

⚠️

Demand Letter Template Generator

The 'without prejudice' final-demand structure courts recognise — firm, factual, deadline-set. Free, instant,

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IBAN Validator

Validate IBANs free with the official mod-97 algorithm and per-country length rules. Instant, private, in-brow

🛒

Unit Price Calculator

Compare up to 3 products by price per 100 g, 100 ml or piece — mixed packs normalized automatically and the ch

🧾

Split Bill Calculator

Split any bill fairly — add tip, tax and a round-up per person, or weight heavy eaters 2×. Handles even and un

💁

Tip Calculator

US-style tip calculator — slide 0–30% or tap 10/15/18/20, split the bill and see per-person amounts instantly.

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Payroll Cost Calculator

Free payroll cost calculator: true cost of an employee = salary + employer FICA match + FUTA/SUTA + benefits +

💼

Self-Employed Tax Calculator

Free self-employed tax calculator for 2026: 15.3% SE tax on 92.35% of net earnings, federal brackets, half-SE

🏢

LLC Cost Calculator

Free LLC cost calculator: filing fee, annual report/franchise fees, registered agent and DIY-vs-service cost f

🏠

Mortgage Calculator

Free mortgage calculator with taxes, insurance, HOA and PMI that auto-drops at 20% equity — plus extra-payment

📄

Estimate Generator

Free estimate generator for freelancers and contractors: line items, tax, deposit and balance due — print to P

🏦

Mortgage Pre Approval Calculator

Free mortgage pre-approval estimate: income, debts and down payment in - max loan, price and monthly PITI usin

📊

LTV Calculator

Free LTV calculator: loan and property value in, loan-to-value ratio and CLTV out - 80% PMI threshold marked,

🧾

Pay Stub Generator (Estimate)

Free pay stub generator: estimate gross, deductions and net for wages you actually earned. A record-keeping te

📆

Semi-Monthly Paycheck Calculator

Free semi-monthly paycheck calculator: salary over 24 checks - deductions, net per check and annual net, plus

📋

Contractor Invoice Template

Free contractor invoice template: labor and material lines, site address, license #, Net 7/15/30 terms, deposi

🎓

Income-Driven Repayment Calculator

Estimate IBR, PAYE and ICR monthly payments from your AGI and family size, each vs the 10-year standard plan.

🏦

Credit Builder Loan Calculator

True cost of a credit builder loan: amortized payment, total interest, program fees and the net cost of buildi

💱

Forex Pip Calculator

Forex pip value by pair and lot size: per pip, per 10 and per 100 pips in your account currency, with standard

🔏

NDA Template Generator

Free NDA template generator: plain-text mutual or one-way confidentiality agreement with exclusions, term and

🏛

Operating Agreement Generator

Free single-member LLC operating agreement template: eleven plain-text sections with capital, ownership, autho

📑

Business Contract Template Generator

Free business contract template: a plain-text service agreement with payment schedule, late fee, kill fee, IP

🪙

Crypto Portfolio Tracker

Crypto portfolio tracker: log coins, buy and current prices, cost basis, value and P/L per holding, allocation

💰

Alabama Paycheck Calculator

Alabama paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

Arizona Paycheck Calculator

Arizona paycheck calculator: estimate take-home pay after federal tax, the flat 2.50 percent state rate, Socia

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Arkansas Paycheck Calculator

Arkansas paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

California Paycheck Calculator

California paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Soci

💰

Canada Paycheck Calculator

Canada paycheck calculator: estimate take-home pay after federal and provincial tax, CPP, and EI for 2025 wage

💰

Colorado Paycheck Calculator

Colorado paycheck calculator: estimate take-home pay after federal tax, the flat 4.40 percent state rate, Soci

💰

Delaware Paycheck Calculator

Delaware paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

Florida Paycheck Calculator

Florida paycheck calculator: estimate take-home pay after federal tax, no state income tax, Social Security, a

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Georgia Paycheck Calculator

Georgia paycheck calculator: estimate take-home pay after federal tax, the flat 5.19 percent state rate, Socia

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Hawaii Paycheck Calculator

Hawaii paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social S

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Idaho Paycheck Calculator

Idaho paycheck calculator: estimate take-home pay after federal tax, the flat 5.70 percent state rate, Social

💰

Illinois Paycheck Calculator

Illinois paycheck calculator: estimate take-home pay after federal tax, the flat 4.95 percent state rate, Soci

💰

Indiana Paycheck Calculator

Indiana paycheck calculator: estimate take-home pay after federal tax, the flat 3.00 percent state rate, Socia

💰

Iowa Paycheck Calculator

Iowa paycheck calculator: estimate take-home pay after federal tax, the flat 3.80 percent state rate, Social S

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Kansas Paycheck Calculator

Kansas paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social S

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Louisiana Paycheck Calculator

Louisiana paycheck calculator: estimate take-home pay after federal tax, the flat 3.00 percent state rate, Soc

💰

Maryland Paycheck Calculator

Maryland paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

Massachusetts Paycheck Calculator

Calculate your Massachusetts take-home pay. Includes MA 5% flat tax, PFML, federal brackets, and FICA. Free ho

💰

Michigan Paycheck Calculator

Michigan paycheck calculator: estimate take-home pay after federal tax, the flat 4.25 percent state rate, Soci

💰

Mississippi Paycheck Calculator

Mississippi paycheck calculator: estimate take-home pay after federal tax, the flat 4.40 percent state rate, S

💰

Missouri Paycheck Calculator

Missouri paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

Nebraska Paycheck Calculator

Nebraska paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

Nevada Paycheck Calculator

Nevada paycheck calculator: estimate take-home pay after federal tax, no state income tax, Social Security, an

💰

New Hampshire Paycheck Calculator

New Hampshire paycheck calculator: estimate take-home pay after federal tax, no state income tax, Social Secur

💰

New Jersey Paycheck Calculator

New Jersey paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Soci

💰

New Mexico Paycheck Calculator

New Mexico paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Soci

💰

New York Paycheck Calculator

New York paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

North Carolina Paycheck Calculator

North Carolina paycheck calculator: estimate take-home pay after federal tax, the flat 4.25 percent state rate

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North Dakota Paycheck Calculator

North Dakota paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, So

💰

Ohio Paycheck Calculator

Ohio paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social Sec

💰

Oklahoma Paycheck Calculator

Oklahoma paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

Oregon Paycheck Calculator

Oregon paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social S

💰

South Carolina Paycheck Calculator

South Carolina paycheck calculator: estimate take-home pay after federal tax, the flat 6.30 percent state rate

💰

South Dakota Paycheck Calculator

South Dakota paycheck calculator: estimate take-home pay after federal tax, no state income tax, Social Securi

💰

Tennessee Paycheck Calculator

Tennessee paycheck calculator: estimate take-home pay after federal tax, no state income tax, Social Security,

💰

Texas Paycheck Calculator

Texas paycheck calculator: estimate take-home pay after federal tax, no state income tax, Social Security, and

💰

Paycheck Calculator UK

Estimate UK take-home pay for 2025/26 using HMRC income tax bands, National Insurance, pension deductions and

💰

Utah Paycheck Calculator

Utah paycheck calculator: estimate take-home pay after federal tax, the flat 4.55 percent state rate, Social S

💰

Virginia Paycheck Calculator

Virginia paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Social

💰

Washington Paycheck Calculator

Washington paycheck calculator: estimate take-home pay after federal tax, no state income tax, Social Security

💰

West Virginia Paycheck Calculator

West Virginia paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, S

💰

Wisconsin Paycheck Calculator

Wisconsin paycheck calculator: estimate take-home pay after federal tax, the progressive state brackets, Socia

💰

Arkansas Sales Tax Calculator

Arkansas sales tax with stacked city and county layers on a 6.5 percent base: compute a total or back the tax

💰

California Sales Tax Calculator

Price California sales tax at the 7.25 percent base plus district taxes, or unwind a taxed total to its pre-ta

💰

Florida Sales Tax Calculator

Add or remove Florida sales tax: the 6 percent state rate plus county surtax on any amount, or reverse a recei

💰

Illinois Sales Tax Calculator

Illinois sales tax from the 6.25 percent base up through stacked city and county layers: add tax to a price or

💰

Massachusetts Sales Tax Calculator

Massachusetts sales tax at one flat 6.25 percent rate statewide: add tax to a price or take it out of a total.

💰

Minnesota Sales Tax Calculator

Minnesota sales tax at the 6.875 percent base or any local total: compute tax on a price, or reverse a receipt

💰

Missouri Sales Tax Calculator

Missouri sales tax from the 4.225 percent base up through stacked local layers: add tax to a price or take it

💰

New York Sales Tax Calculator

New York sales tax at any combined rate: the 4 percent state base, 8.875 in NYC, or your county figure. Add ta

💰

North Carolina Sales Tax Calculator

North Carolina sales tax on the 4.75 percent base plus local add-ons: compute a total or reverse a receipt. Fo

💰

Ohio Sales Tax Calculator

Ohio sales tax with county add-ons on a 5.75 percent base: price a purchase or reverse a receipt total. Free,

💰

Pennsylvania Sales Tax Calculator

Pennsylvania's flat 6 percent rate, 8 in Philadelphia, 7 in Allegheny: add tax to a price or remove it from a

💰

Tennessee Sales Tax Calculator

Tennessee sales tax on any combined rate near the top of the national range: price a purchase forward, or unwi

💰

Texas Sales Tax Calculator

Texas sales tax calculator: add the 6.25 percent state base plus local rates to any price, or strip tax back o

💰

Utah Sales Tax Calculator

Utah sales tax at the 6.10 percent base plus local options: add tax to a price or recover the pre-tax amount f

💰

Washington Sales Tax Calculator

Washington sales tax calculator for stacked local rates: build a total from the 6.5 percent base, or recover t

💵

US Income Tax Calculator

Estimate 2025 federal income tax with the official brackets, standard deduction and FICA, plus monthly take-ho

🪙

Crypto Price Converter

Convert Bitcoin, Ethereum, Solana and more to or from USD at live CoinGecko market rates — timestamped, refres

🧪

A/B Test Significance Calculator

Run a two-proportion z-test on your A/B split results and get conversion lift, z-score and p-value with 90/95/

📈

ARR Calculator

Turn MRR into ARR with a 12-month run-rate projection, net revenue retention and growth rates — the SaaS metri

💳

Credit Utilization Calculator

Add every card's limit and balance to see per-card and overall utilization, color-zoned, plus the exact pay-do

🏦

CD Calculator

Project a certificate of deposit to maturity with daily, monthly or quarterly compounding — interest earned, e

🧾

Stripe Fee Calculator

Calculate Stripe's standard 2.9% + 30¢ fee with international and currency add-ons — see the net payout or the

📊

Stock Average Calculator

Average up to six buy lots into one cost basis, then add the current price to see market value, unrealized P/L

🌱

Dividend Calculator

Project dividend income with DRIP reinvestment versus cash payouts, a year-by-year table to 40 years, final va

🅿️

PayPal Fee Calculator

Calculate PayPal goods & services or QR-code fees with international and FX add-ons — the exact fee, net payou

🛡️

Privacy Policy Generator

Generate a clear, sectioned privacy policy for any website in minutes: cookies, analytics, accounts, ads and n

📜

Terms & Conditions Generator

Create a terms and conditions draft with acceptance, license, liability, termination and governing-law section

💸

Refund Policy Generator

Draft a plain-English refund policy for digital products, goods or services with window, process, exceptions a

⚠️

Liability Waiver Generator

Build an activity liability waiver with assumption of risk, release, indemnification, medical consent and sign

🤝

Consulting Agreement Generator

Generate a consulting agreement with services, hourly or flat rates, IP assignment, confidentiality and termin

👔

Employment Contract Generator

Create an employment contract draft covering position, salary, at-will or fixed term, benefits and confidentia

🏢

Partnership Agreement Generator

Draft a partnership agreement for two to four partners with ownership splits, capital, voting rules, buyouts a

🏠

Eviction Notice Generator

Build a formal eviction notice letter with common notice-day suggestions per type and strong verify-your-state

📝

Meeting Minutes Generator

Turn rough notes into clean Robert's-Rules-style meeting minutes with attendance, numbered decisions, action i

📸

Media Release Form Generator

Create a photo, video or audio release form with consent, rights granted, revocation limits, minor-guardian co

📈

Capital Gains Tax Calculator

Estimate US capital gains tax on stocks, funds, crypto or a home sale using real 2025 brackets, NIIT and state

💼

Self Employment Tax Calculator

Calculate 2025 self-employment tax at 15.3% — Social Security up to the wage base, uncapped Medicare and the e

🗓️

Quarterly Estimated Tax Calculator

Turn expected 1099 profit into 2025 quarterly estimated tax payments with SE tax and safe-harbor logic — see e

🏛️

Estate Tax Calculator

Estimate 2025 federal estate tax with the $13.99M exemption, real tentative-tax brackets, deductions and porta

🎁

Gift Tax Calculator

Check 2025 gift tax on cash or property gifts using the $19,000 annual exclusion and the lifetime exemption —

🏠

Interest Only Mortgage Calculator

Compare interest-only mortgage payments with a standard amortizing loan and see exactly what the IO period cos

🌾

Land Loan Calculator

Calculate land loan payments for raw or improved acreage with down payment, total interest and a first-year am

🚐

RV Loan Calculator

Calculate RV loan payments across terms up to 20 years with down payment, trade-in, total interest and a first

🏍️

Motorcycle Loan Calculator

Calculate motorcycle loan payments with down payment, trade-in, total interest and a first-year principal/inte

⛵

Boat Loan Calculator

Calculate boat loan payments across terms up to 15 years with down payment, trade-in, total interest and a fir

🚗

Car Accident Settlement Calculator

Enter your medical bills, lost wages and a pain multiplier to get an instant car accident settlement estimate

⚖️

Personal Injury Settlement Calculator

Combine medical specials, lost income and a fair pain multiplier to see a personal injury settlement estimate

💼

Wrongful Termination Settlement Calc

Estimate a wrongful termination settlement from back pay, front pay and distress in seconds — free, private, w

💸

Severance Pay Calculator

Turn years of service and salary into a severance pay estimate with PTO payout and cap options in seconds — fr

🏠

Property Tax Estimator

Estimate annual and monthly property tax from market value, assessment ratio, millage rate and exemptions in s

🩺

FSA Calculator

Project your FSA balance paycheck by paycheck and see exactly what you could forfeit at year end — free, priva

🔑

PMI Removal Calculator

See when your PMI ends: track 80% LTV from your loan balance, extra payments and home value — free, private, w

🧾

Insurance Premium Calculator

Build a quick insurance premium estimate from coverage, rate per $1,000 and age or health factors — free, priv

🩹

Disability Insurance Calculator

Estimate your disability insurance benefit and monthly premium from income, elimination period and occupation

🛡️

Life Insurance Needs Calculator

Add up debts, income replacement, mortgage and education with the DIME method to size your life insurance need

📈

ROAS Calculator

Enter ad spend and revenue to get ROAS, ACoS and a margin-aware break-even ROAS, so you know instantly whether

💰

CAC Calculator

Add up every sales and marketing dollar, divide by new customers won, and see CAC plus gross-margin payback mo

👥

Customer Lifetime Value Calculator

Turn average order value, purchase frequency, gross margin and lifespan into a real CLV, with a discount-rate

🏔️

Debt Avalanche Calculator

List each balance, APR and minimum payment plus an extra monthly amount, then get your exact payoff order, deb

🏠

Airbnb Profit Calculator

Enter nightly rate, occupancy, fees and monthly costs to see real monthly and annual Airbnb profit after the 3

🎯

Mortgage Points Calculator

Compare your rate with and without discount points to get the monthly saving, break-even months and net benefi

🦅

TSP Retirement Calculator

Project your Thrift Savings Plan balance year by year with salary, contributions and the automatic 1% plus ful

🏛️

FERS Retirement Calculator

Enter your high-3 salary, years of service and retirement age for the basic FERS annuity estimate, including t

🚚

Towing Capacity Calculator

Check a trailer against payload, GVWR, tongue weight and GCWR limits before you hitch up, with the binding con

🔌

EV Charging Cost Calculator

Enter battery size, charge window and your electricity rate to get cost per charge, cost per 100 miles and ann

🏠

Rental Property ROI Calculator

Enter price, rent, down payment and running expenses to get cap rate, cash-on-cash return, gross yield and a 1

⏳

Loan Payoff + Extra Payments

Enter loan balance, rate and payment plus any extra you can add monthly to see months saved, interest saved an

💵

Hourly to Salary Calculator

Convert hourly pay to annual, monthly, biweekly and weekly gross salary, with 1.5× overtime and unpaid time of

✈️

Travel Insurance Cost Calculator

Estimate travel insurance cost from trip price, age, duration and coverage level using honest 4–10% industry r

🏦

Escrow Calculator

Calculate your monthly escrow deposit from property tax, insurance and PMI, with the two-month RESPA cushion s

🏖️

PTO Payout Calculator

Value your accrued PTO payout: gross pay, estimated 22% supplemental withholding and FICA, and net cash — plus

📉

Margin Loan Calculator

Price a margin loan: annual and daily interest, loan-to-value, the exact margin-call portfolio level and the d

🚗

Car Insurance Estimator

Estimate annual car insurance from state, age, coverage, vehicle class and record factors — a transparent non-

🧾

Personal Loan Payment Calculator

Calculate personal loan monthly payments with total interest, origination-fee impact and the fee-adjusted APR

📖 Popular guides

🏆 Expert roundups

FAQ

Are these money & business tools really free?
Yes — all 204 tools in this collection are 100% free with no signup, no watermarks and no daily limits. They run entirely in your browser, so there is nothing to install and nothing to pay for.
Do these money & business work on mobile?
Yes — every tool is mobile-first and works in any modern browser on Android and iPhone. Files are processed on your own device, which keeps them fast even on mobile data.
Is it safe to use online money & business?
On Toolfyra, yes: your files and data are processed locally in your browser and never uploaded to a server. Privacy-first, client-side processing is the core promise behind every tool on this page.

204 money tools, sorted by the question you're asking

The Money & Business collection pulls all 204 Toolfyra finance tools into one index, and they answer four kinds of questions. 'What lands in my bank account?' is the paycheck row — take-home calculators for forty-plus US states plus the UK, Canada and Australia. 'Can I afford it?' is the housing and debt row: mortgage, rent and closing-cost tools, auto and personal loans, payoff planners. 'What does the business keep?' is the fee and margin row — Stripe, PayPal, eBay and Etsy calculators beside invoice generators. And the document row handles rent receipts, NDAs and meeting minutes instead of numbers.

A job offer shows how the rows chain together. You're offered $85,000 in North Carolina while earning $95,000 in California — instead of guessing, run each state's paycheck calculator, note what actually arrives monthly, then feed both offers into the Job Offer Comparator for the commute, benefits and title side. Selling $40 candles on Etsy? The Etsy Fee Calculator tells you what survives before you price the next batch. No tool here saves your inputs, so screenshot the summary screens while you compare scenarios.

Money questions, answered straight

How do I find my state's paycheck calculator?
Scroll to the paycheck section — there's a dedicated page for most states, including California, New York, Texas and Washington. If yours isn't listed, the generic Paycheck Calculator covers federal treatment and you can adjust for your state's flat or absent income tax yourself. Each state page works the same way: gross pay, filing status and pay frequency in, take-home out.
Which tools should a new freelancer open first?
Three, in order. The Freelance Rate Calculator turns your target income into an hourly or project rate. The Contractor Invoice Template and Invoice Late Fee Calculator handle getting paid, including what to charge when clients drag their feet. The Self-Employed Tax and Quarterly Estimated Tax calculators keep the set-aside honest so April doesn't ambush you. Everything else — LLC costs, NDAs, severance math — can wait until the invoices are flowing.
Are the contract and policy generators lawyer-ready?
Treat them as strong first drafts, not finished legal work. The NDA, operating agreement, consulting agreement and privacy policy generators produce well-structured templates you can fill in and sign for low-stakes situations. For anything with real money, equity or liability attached, have a licensed professional in your state read it first — that review usually costs less than fixing a bad clause later.
Can I compare salaries across countries?
Yes — the Take-Home Comparator runs the same gross salary through three countries side by side, which is the honest way to weigh an offer abroad against the one at home. Remember that take-home isn't purchasing power: rent, transit and healthcare costs differ too, so pair the result with a quick cost-of-living check before you sign anything.