Finance Calculators That Keep Your Numbers Local
Income, savings, pricing and balance sheet figures are the numbers people are least willing to type into a site that might store them. These calculators run entirely in your browser, so there is nothing to store.
Pick a tool
- Compound Interest CalculatorSee how principal, rate and contributions compound into a year-by-year schedule.
- Freelance Rate CalculatorEnter your target income, insurance and fixed costs to find your minimum viable hourly rate.
- Cash Conversion Cycle CalculatorTurn receivables, inventory and payables into DSO, DIO, DPO and the days you fund yourself.
- Household Cash Cycle CalculatorWork out how many days of ordinary spending you have to bridge yourself, and how much cash that needs.
- Unit Price ComparatorEnter the price and size of a few products and see which one is actually cheaper per unit.
The question each calculator answers
- The books show a profit, so why is there less money every month
- The cash conversion cycle calculator turns receivables, inventory and payables into three turnover figures, draws the stretch of days your cash is stuck, and tells you what working capital normal trading needs.
- How much actually needs to sit in the account so the month is not tight
- The household cash cycle calculator is the same idea for a home: stockpile, pay lag and card float give the days you bridge yourself each month, with working cash and an emergency fund kept firmly apart.
- What does this money grow into if I leave it alone
- The compound interest calculator turns principal, rate, compounding frequency and recurring contributions into a year-by-year balance, so you can see the year where interest rather than your own deposits starts driving the growth.
- Three pack sizes on the shelf, so which one is actually cheaper
- The unit price comparator converts grams against kilos, or millilitres against litres, into one basis, ranks the products by price per unit, and shows what each pack costs you over the best one.
- What is the least I can charge for this work without losing money
- The freelance rate calculator folds target income, insurance, fixed costs, days off and the share of unbillable work into one minimum viable hourly rate.
How to read the result
Both give you a floor and a trend, not an answer to copy straight out. The compound figure assumes a fixed annual return, which no real market delivers, and the rate figure assumes you can actually sell the billable hours you estimated. Treat them as the starting point for a plan or a negotiation, not as a promise.
Why there is no investment or tax advice here
These tools do arithmetic, not advice. Real tax rates, insurance brackets, transfer fees and country-specific rules are outside what they calculate. Check anything that matters with a licensed professional.
Are the amounts you enter recorded
No. The maths runs entirely in your browser, income and savings figures are never sent anywhere, and no analytics service is installed on this site. See the privacy policy for the details.
Other categories
- Developer tools — Schema diagrams, HTTPS requests, JWT decoding and JSON field extraction, all running locally in your browser with nothing uploaded.
- General tools — Generate codes, recolour SVG artwork, strip metadata from photos and clean up pasted text, without installing anything or creating an account.