Free Online Calculators

Fast, accurate, no sign-up. Fifteen calculators for finance, loans, retirement, health, packaging and everyday math — all running instantly in your browser. Switch currency, toggle dark mode, and share results with a link.

Latest guides

How Compound Interest Actually Works (With Real Numbers)

See exactly how £200/month at 7% grows over 10, 20 and 30 years — and why starting early matters more than how much you save.

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How to Calculate ROI on Anything (With Real Examples)

The ROI formula explained with worked examples for stocks, property, side hustles and reselling — in pounds.

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What's a Good ROI? Benchmarks by Investment Type

Compare average returns for stocks, property, savings, bonds and side hustles — so you know if your returns are good or just average.

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ROI vs Annualized Return: What's the Difference?

Why a 50% ROI over 10 years is worse than 20% over 2 years — and how to calculate annualised return from any ROI.

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How to Calculate ROI on Real Estate (With UK Examples)

Property ROI done properly — including stamp duty, voids, agent fees and mortgage interest, with a full UK rental example.

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ROI vs Profit: Which Number Actually Matters?

Why a 300% ROI on £50 is worth less than a 10% ROI on £10,000 — and which number to use when evaluating investments.

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Avalanche vs Snowball: Which Debt Payoff Method Saves You More?

Two methods, two wildly different costs. Which gets you debt-free cheapest — and which one most people actually stick with.

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How to Calculate Compound Interest by Hand (Step by Step)

Every step of the formula, by hand, with a £1,000 at 7% for 30 years example you can verify on a basic calculator.

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The 4% Rule Explained: How Much Do You Need to Retire UK?

What the rule actually says, when it breaks, and how to use it alongside the UK State Pension, ISAs and SIPPs in pounds.

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How Much Should I Save Each Month? (UK Benchmarks)

The 50/30/20 rule, savings targets by age in the UK, and a worked example for a £30k salary in Manchester.

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How Long Will It Take to Pay Off My Loan? (UK Examples)

Loan payoff time bends sharply with your monthly payment — see how much an extra £50/month saves in real numbers.

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Compound Interest

See how money grows with compounded interest and monthly or weekly contributions, with a year-by-year chart.

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Savings Goal

Work out the monthly (and weekly) amount needed to hit any savings goal by a target date.

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Retirement / 401(k)

Project your nest egg at retirement from current savings and monthly contributions.

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ROI

Measure return on investment as a percentage, net profit and annualized return.

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Loan Payoff

Monthly payment, total interest and amortization for any loan amount and rate.

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Mortgage

Total monthly housing payment including down payment, tax, insurance and HOA.

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Credit Card Payoff

Months to debt-free and total interest for any monthly payment you choose.

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Hourly to Salary

Convert an hourly wage and weekly hours into weekly, monthly and annual pay.

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Sales Tax

Add sales tax to any amount, or find the tax portion of a total.

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Tip

Split the bill and calculate tips for any party size and percentage.

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Percentage

X% of Y, X is what percent of Y, and percent change — all in one tool.

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BMI

Body Mass Index in metric or imperial units with a color-coded category gauge.

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Calorie / TDEE

Daily calories to maintain, lose or gain weight using the Mifflin-St Jeor formula.

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Unit Converter

Convert length, mass, volume, speed, time and temperature instantly.

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Roll Length

Total length of material on a roll from outer diameter, core diameter and thickness (microns, mm or inches).

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Why use these calculators?

Every calculator here runs entirely in your browser. There is no account to create, no data leaves your device, pages load instantly, and inputs are saved locally so you can come back to them. You can switch currency for money results, toggle dark mode, share a calculation as a link, print results, and export schedules to CSV.

Finance & investing

Compound interest is the most powerful force in personal finance — it's how small, steady contributions turn into meaningful wealth. Our compound interest calculator shows year-by-year growth so you can see the snowball effect. The retirement calculator extends that to a full working career, and the ROI calculator turns any investment outcome into a single comparable number.

Debt & savings

For balances you carry, the loan payoff and mortgage calculators reveal exactly how much interest you pay and how extra payments shorten the term. The credit card payoff calculator shows the true cost of minimum payments. The savings goal calculator works backwards from your target to the monthly amount you need.

Everyday math & health

The tip and percentage tools handle daily math, the BMI and calorie calculators give quick health screening numbers, and the unit converter closes the gap between metric and imperial.