Money & Business — All 68 Free Online Tools
Every money & business tool on Toolfyra in one place — 68 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: regular + 1.5x + double-time breakdown for daily and weekly hours — see exactly
🎁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: add tax to a pre-tax price or remove tax from a total (reverse mode) — with quick p
📈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,
🔄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
🏘️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
🏷️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
🏛️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
💹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
Free US paycheck calculator: enter annual salary and filing status to estimate take-home pay per paycheck — fe
🏷️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 —
🗓️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.
🧾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,
🏦IBAN Validator
Validate IBANs free with the official mod-97 algorithm and per-country length rules. Instant, private, in-brow
📖 Popular guides
- Tip Calculator — how to use
- Tip Calculator — mistakes
- Tip Calculator — faq
- GST / VAT Calculator — how to use
- GST / VAT Calculator — mistakes
- GST / VAT Calculator — faq
- Profit Margin Calculator — how to use
- Profit Margin Calculator — mistakes
- Profit Margin Calculator — faq
- Compound Interest Calculator — how to use
- Compound Interest Calculator — mistakes
- Compound Interest Calculator — faq
- Invoice Generator — how to use
- Invoice Generator — mistakes
- Invoice Generator — faq
- Debt Payoff Coach — how to use
- Debt Payoff Coach — mistakes
- Debt Payoff Coach — faq