Free calculators for money, health and home

Mortgages, debts and savings to the penny, training numbers, and how much paint, gravel or brick to buy. Nothing to sign up for, nothing sent anywhere.

Mortgages, loans and debt

Mortgage calculatorMonthly payment, interest, overpayments Loan calculatorMonthly payment and total interest Debt payoff calculatorSnowball or avalanche, side by side Credit card payoff calculatorA fixed payment against the minimum Rent vs buy calculatorWhich leaves you better off, honestly

Saving and investing

Compound interest calculatorSavings growth with regular additions Savings goal calculatorHow much to save each month Net worth calculatorWhat you own less what you owe Retirement savings calculatorYour pot at retirement and the income Inflation calculatorWhat money is worth then and now Return on investment calculatorROI and the yearly return

Work and business

Salary to hourly calculatorPay per hour, day, week, month, year VAT and sales tax calculatorAdd or take off tax at any rate Profit margin and markup calculatorMargin, markup and price, both ways Break-even calculatorHow many sales cover your costs

Everyday costs

Electricity cost calculatorWhat an appliance costs to run Fuel cost calculatorWhat a journey costs in fuel Tip calculatorTip, total and splitIn Figure Split the bill calculatorShares with a tipIn Figure Percentage calculatorOf, change, plus and minusIn Figure Percentage increase calculatorAnd decreaseIn Figure Discount calculatorSale price and savingsIn Figure

Health and fitness

Pace calculatorRunning and cycling pace, time, splits Heart-rate zones calculatorTraining zones from your age Due date calculatorEstimated due date and how far along Body fat calculatorAn estimate from a tape measure One-rep max calculator1RM from any set, with a % table BMI calculatorMetric and imperialIn Figure Calories calculatorBMR and daily caloriesIn Figure

Home and DIY

Paint calculatorLitres or gallons for a room Tiles calculatorTiles and boxes for a floor or wall Flooring calculatorPacks of laminate, wood or vinyl Concrete calculatorSlabs, footings, post holes, bags Wallpaper calculatorRolls, with the pattern repeat Fabric calculatorCurtain fabric and yardage Gravel, sand and soil calculatorTonnes and bags for an area Decking calculatorBoards, joists and screws Fencing calculatorPanels and posts, or rails and pickets Bricks and blocks calculatorBricks, blocks and mortar for a wall

Maths you can check

Every money calculator here works in exact decimals, the way a bank ledger does, not the binary fractions most web pages use, so 0.1 + 0.2 is 0.3 and a loan’s payments add up to exactly what you borrow plus the interest. Each payment is rounded to the penny when it’s made, and the last one clears whatever is left.

Nothing is looked up for you. Interest rates, tax rates, paint coverage and prices are yours to type, with typical figures filled in to start from and labelled as typical, so the answer is always about your numbers.

Private and offline

The calculators run in your browser. What you type stays on your device: each calculator remembers your last numbers so you can come back to them, and Reset clears them. Once a page has loaded it works without a connection.

Share, copy and send

Tap any result to copy it. Share makes a link that opens the calculator with your numbers filled in, so a partner or a builder sees exactly what you see. A mortgage, loan or debt plan opens as a spreadsheet in Gridwork, and a total can go to Budget or Invoice.

Questions

Are these calculators free?

Yes, every calculator is free, with no account, no adverts and nothing locked.

Is what I type saved or sent anywhere?

Nothing is sent anywhere. Each calculator remembers your last numbers in this browser so you can pick up where you left off, and you can clear them with Reset.

Why might my bank’s figure differ by a few pennies?

Lenders round at different moments, some charge interest daily rather than monthly, and fees change the total. These calculators work monthly at a twelfth of the yearly rate, round each payment to the penny and let the last payment clear what is left, which is how most repayment loans are set out.

Do they work in my currency and units?

Yes. Choose your currency in Settings; the home and DIY calculators and the pace calculator work in metric or imperial units, and remember your choice.

Calculators

Mortgage, money, health and DIY calculators · Free finance app for your browser

Calculators is a free set of thirty-two calculators in your browser on a phone or computer, for mortgages and loans, debt and credit cards, rent vs buy, savings, retirement and inflation, margins and break-even, fuel and electricity costs, pace, heart rate, body fat and one rep max, and DIY jobs from paint and tiles to gravel, decking, fencing and bricks, with no account and nothing sent anywhere.

Thirty-two free calculators that get the maths right, each on its own page. Money: a mortgage calculator with overpayments and the full amortisation schedule, loan repayments, debt snowball and avalanche side by side, credit card payoff against the minimum, rent vs buy with every assumption shown, compound interest, savings goals, retirement savings, inflation, return on investment and net worth. Work and business: salary to hourly, VAT and sales tax at any rate, profit margin and markup both ways, and break-even. Everyday costs: what an appliance costs to run and the fuel for a journey in mpg or L/100 km. Health and fitness: running pace with splits, heart-rate zones, body fat by the US Navy method, one rep max and a pregnancy due date, all as estimates with no medical advice. Home and DIY: paint, tiles, flooring, concrete, gravel and soil, decking, fencing, bricks and blocks, wallpaper and curtain fabric, in metric or imperial. Money is worked in exact decimals to the penny, and nothing is looked up: rates and prices are yours to type. Results update as you type; tap any to copy it, share a link with your numbers, open a schedule in Gridwork or send a total to Budget or Invoice. Works offline; what you type stays on your device.

Mortgage with overpayments, loans, debt snowball and credit card payoff

Rent vs buy, retirement, compound interest, savings goals and inflation

Profit margin and markup, break-even, ROI, salary to hourly and VAT

Fuel and electricity running costs

Pace, heart-rate zones, body fat, one rep max and due date, advice-free

Paint, tiles, flooring, concrete, gravel, decking, fencing and bricks in metric or imperial

Works offline

Private: stays on your device

No account or sign-up

Free to use. Works on iPhone, Android, Mac and PC; add it to your Home Screen to open it like an app.

Quick answers about Calculators

Is there a free mortgage calculator with overpayments?

Yes. The mortgage calculator works out the monthly payment for a repayment or interest-only mortgage, adds a monthly or one-off overpayment to show the interest and time it saves, and shows the full schedule year by year or month by month, which can open as a spreadsheet in Gridwork.

Are the calculators accurate to the penny?

Yes. Money is worked in exact decimals rather than the binary fractions most web pages use, each payment and month’s interest is rounded to the penny, and the last payment clears what is left, so a loan’s payments add up exactly to the amount borrowed plus the interest.

Which is better, debt snowball or avalanche?

The avalanche (highest rate first) always costs the least interest; the snowball (smallest balance first) clears a first debt sooner. The debt payoff calculator shows both plans side by side for your own debts, with what the difference costs.

Is it better to rent or buy?

It depends on how long you stay, how fast homes and rents rise and what savings earn. The rent vs buy calculator follows both for the years you choose, with every assumption typed and shown, and says which leaves you better off.

Does it look up interest, tax or energy prices?

No. You type the rates and prices; typical figures, such as paint coverage or the density of gravel, are filled in to start from and labelled as typical. It gives no tax, pension or medical advice.

Does it work in metric and imperial?

Yes. The home and DIY calculators, pace, body fat, one rep max and fuel cost switch between metric and imperial and convert what you have typed; money works in your choice of currency.

Do I need to sign up or download Calculators?

No: it opens in the browser on any phone, tablet or computer, with no account.

Does Calculators upload my data?

No, it all stays on your device, and it works offline.

More like Calculators

BudgetGive every pound a job

Coin JarBudgets, goals and bills

Even SplitSplit group costs and settle up

HoursTime tracker for freelancers

InvoiceQuote, invoice and get paid