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Finance Tools

Money, percentages, VAT, salary, loans and interest calculators. Tools are free to use with no account required. Most calculations run directly in your browser.

Use these finance calculators to compare borrowing, manage debt, model savings and fees, plan household reserves and answer everyday money questions in your chosen currency.

Choose the right finance tool

Budget and income

Work from the money you receive to a realistic monthly spending plan.

Take-home payBudgetParental payWorldwide salary after taxFreelance rate

Debt and borrowing

Compare repayments, interest and the full cost before committing.

Credit cardsLoansVehicle financeMortgagesMortgage overpaymentsDebt payoff strategiesCompare loansCredit utilisation

Savings and growth

Explore regular saving, interest and the effect of time.

SavingsCompound interestEmergency fundSavings goalInvestment fees

Everyday calculations

Handle percentages, VAT, discounts, tips and currency conversions.

PercentagesVATDiscounts
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🧮
Freelance Rate Calculator
Calculate hourly, day and project-rate planning figures from income goals, business costs, reserve assumptions and billable capacity.
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Credit Utilisation Calculator
Calculate per-card and overall revolving credit utilisation, target-payment amounts and balance or limit what-if scenarios.
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Emergency Fund Calculator
Build editable low, base and high emergency-fund targets from essential expenses, current savings and contributions.
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Savings Goal Calculator
Solve the monthly contribution, time or future value behind a savings goal with milestones and optional inflation adjustment.
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Investment Fee Calculator
Compare two investment fee structures with a no-fee projection, direct fees, lost growth and total fee drag.
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Percentage Calculator
Calculate percentages, percentage change and percentage increase or decrease from the values entered.
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Tip Calculator
Calculate a tip and split a bill using the entered amount, percentage and whole-number group size.
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Discount Calculator
Calculate sale price, savings and discount percentage from the entered price and rate.
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VAT & GST Calculator
Add or remove VAT or GST in any currency using a country preset or a custom tax rate.
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Currency Converter
Convert supported current currencies using daily indicative provider rates; fees and executable customer rates are not included.
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Compound Interest Calculator
Model a fixed nominal annual rate with selectable compounding and optional end-of-month contributions.
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Salary Calculator
Convert gross pay between hourly, daily, weekly, monthly and annual periods using entered working-time assumptions.
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Mortgage Overpayment Calculator
Compare regular and lump-sum mortgage overpayments, projected interest savings, term reduction and entered repayment charges.
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Debt Payoff Calculator
Compare Snowball, Avalanche and custom payoff orders with fixed-budget rollover, schedules and private saved plans.
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Loan Comparison Calculator
Compare two to four fixed-rate offers by payment, fees, total borrowing cost and transparent cash-flow annualisation.
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Mortgage Calculator
Estimate fixed-rate mortgage payments, total interest and an amortisation schedule in the selected currency.
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Loan Repayment Calculator
Estimate fixed-rate loan payments, total interest and an amortisation schedule in the selected currency.
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Savings Calculator
Project an initial deposit and regular contributions using the entered annual effective rate and timing assumptions.
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Credit Card Payoff Calculator
Estimate payoff time and interest from a fixed APR and monthly payment, subject to the stated model limits.
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Auto Loan Calculator
Estimate vehicle-finance payments, total interest and borrowing cost from price, deposit, term and APR.
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Salary After Tax Calculator
Estimate take-home pay in any currency using effective tax, payroll, pension and other deduction rates entered by the user.
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UK Take Home Pay Calculator
Estimate UK take-home pay for 2026/27 using separate Scottish bands, Income Tax, employee NI, pensions and student loans.
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Budget Calculator
Add monthly income and expenses to calculate a surplus or deficit and a spending breakdown.
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👶
Parental Leave Calculator UK
Estimate UK statutory maternity, paternity and shared parental pay using official 2026/27 rates; eligibility is separate.
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All guides →
FinanceMortgage Overpayments: Interest and Term ReductionRead guide →FinanceDebt Snowball vs Debt AvalancheRead guide →FinanceHow to Compare Loans: Rates, Fees and Total CostRead guide →DebtHow to Pay Off Credit Card Debt FasterRead guide →BudgetingHow to Build a Monthly BudgetRead guide →UK PayUK Parental Leave Pay 2026/27Read guide →SavingsHow Compound Interest WorksRead guide →

Choose the right finance calculator

Start with the decision you need to make rather than the number you already have. Use the budget calculator to understand monthly cash flow, the credit-card payoff calculator to compare repayment plans, or the mortgage calculator to estimate borrowing costs. Salary, tax and parental-leave tools are country-specific where stated; general percentage, savings and currency tools are designed for a global audience.

Read estimates in context

Financial calculators simplify real products. Interest may be calculated daily, lenders can add fees, exchange providers apply margins, and tax outcomes depend on personal circumstances. Treat results as planning estimates, check the assumptions shown on each page and compare them with official documents or a regulated professional before making a significant commitment.

Protect your information

ToolBullet finance tools are designed to calculate in the browser and do not require an account. You should still avoid entering account numbers, card details or other identifying information: the tools only need the figures required for the calculation.

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Finance Tools FAQ

Are these finance tools free?

Yes. ToolBullet tools are free to use with no account, no download and no sign up required.

Do these tools store my data?

No. ToolBullet tools are designed to run in your browser. Inputs are not sent to a ToolBullet database or saved to an account.