Money & finance calculators

Money decisions usually come down to a single number, but the formulas that produce it are scattered across spreadsheets, bank websites and friend-of-a-friend advice. This hub puts the calculators on one page: a take-home salary estimator, an annual-monthly-hourly converter, a compound-interest tool for retirement planning, a loan amortisation calculator, a mortgage-vs-rent comparator, percentage and discount math for shopping, a tip calculator for restaurants, plus live currency and crypto conversions.

Every tool is free and runs entirely in your browser: the salary, loan amount, or net worth you type never leaves your device, never gets shared with an advertiser, never gets stored in a database. There are no accounts, no paywalls, no ads injected into the interface. Pages load in milliseconds and weigh less than 200 KB, which matters when you're checking a number on a phone.

These calculators are educational and use standard textbook formulas; they're not a substitute for advice from an accountant, financial planner or tax professional, especially for your specific jurisdiction. Income-tax brackets, social-security caps and capital-gains rules differ by country and change every year - cross-check the numbers against your local tax authority before making a decision that depends on them.