All 100 Free Online Calculators

All one hundred calculators in one place. Filter by name, narrow to a category, or star the ones you use often so they are a click away next time.

Every tool on this page works the same way: type a number, get an answer immediately, and read the formula underneath if you want to check it. Nothing asks for an account, nothing sends your figures anywhere, and every page carries at least one worked example calculated by hand.

If you know what you are looking for, the filter box above is quickest — it matches names, slugs and keywords, so typing house finds the affordability calculator and typing fba finds the Amazon profit tool. If you are browsing, the category chips narrow the grid without reloading the page, and you can select more than one at a time. The star on any calculator page adds it to your favourites, which are stored in your own browser and can be filtered here with the Favourites chip.

100 of 100 shown

Compound Interest Calculator

See what a starting balance and a monthly contribution grow into once interest starts earning interest, with a year-by-year breakdown.

FinancePopular

Simple Interest Calculator

Calculate interest charged on the original principal only — the way short-term loans, some bonds and many promissory notes actually work.

Finance

Savings Calculator

Project a savings balance from a starting amount, a regular monthly deposit and an interest rate, and see how much of it is deposits versus interest.

Finance

Investment Return Calculator

Turn a start value, an end value and the money you added along the way into a total return and an annualised return you can compare fairly.

Finance

ROI Calculator

Measure return on investment as a percentage of what you put in, so a $400 gain on $2,000 can be compared with a $4,000 gain on $50,000.

FinancePopular

Inflation Calculator

See what a sum of money will be worth after years of inflation, and how much you would need later to buy what it buys today.

Finance

Retirement Calculator

Compare the nest egg you are on track to build with the one your target retirement income needs, and see the gap in today's money.

FinancePopular

Debt Payoff Calculator

Enter every balance, rate and minimum, add whatever extra you can afford, and compare snowball against avalanche month by month.

FinancePopular

Loan Payment Calculator

Work out the fixed monthly payment on any amortising loan, plus total interest, total cost and a full payment schedule.

FinancePopular

Credit Card Interest Calculator

Find out how many months a card balance takes to clear at your current payment, and what the interest costs you along the way.

Finance

APR Calculator

Fold origination fees and points into the quoted rate to get the annual percentage rate that lets you compare loan offers honestly.

Finance

APY Calculator

Convert a nominal rate and a compounding frequency into annual percentage yield, the number that makes two savings accounts comparable.

Finance

CAGR Calculator

Compress a lumpy multi-year result into one smoothed annual growth rate so different investments and business lines can be ranked.

Finance

Future Value Calculator

Project what a lump sum, a stream of payments, or both together will be worth at a chosen date and rate of return.

Finance

Present Value Calculator

Discount a future amount back to what it is worth today, the single idea behind valuing offers, settlements and investments.

Finance

Net Worth Calculator

Add up everything you own, subtract everything you owe, and see the one number that tracks financial progress better than income does.

Finance

Budget Calculator

Lay income against itemised spending to find your monthly surplus or deficit and see what share each category takes.

Finance

50/30/20 Budget Calculator

Split take-home pay into 50% needs, 30% wants and 20% savings, then check the split against what you actually spend.

Finance

Emergency Fund Calculator

Size a cash buffer from your real essential spending, then see the shortfall and how many months of saving closes it.

Finance

Savings Rate Calculator

Divide what you save by what you earn to get the percentage that predicts how many working years stand between you and financial independence.

Finance

Mortgage Calculator

Build a full monthly housing payment — principal, interest, tax, insurance, HOA and PMI — with a complete amortisation schedule.

MortgagePopular

Mortgage Affordability Calculator

Work backwards from income, debts and a deposit to the highest house price a 28/36 debt-to-income test will actually approve.

MortgagePopular

Home Loan Calculator

Calculate an EMI on any home loan tenure, then add a prepayment to see the interest saved and the months cut from the term.

Mortgage

Rent vs Buy Calculator

Compare the full cost of renting against owning over your real time horizon, including appreciation, and find the break-even year.

Mortgage

Property Investment Calculator

Test a rental deal properly: monthly cash flow, cap rate, cash-on-cash return and an estimated internal rate of return.

Mortgage

Rental Yield Calculator

Turn annual rent, purchase price and running costs into gross and net yield so two rental properties can be compared on one scale.

Mortgage

Down Payment Calculator

Find the deposit a purchase price needs, how long saving takes at your current rate, and where the 20% PMI threshold sits.

Mortgage

Home Equity Calculator

Measure the equity in your home, the share a lender will actually let you borrow against, and your combined loan-to-value ratio.

Mortgage

Closing Cost Calculator

Itemise lender, title, prepaid and government fees to see total closing costs, what they are as a share of price, and cash to close.

Mortgage

Property Tax Calculator

Apply a mill rate or percentage to an assessed value, subtract exemptions, and get annual, monthly and effective property tax.

Mortgage

Profit Margin Calculator

Turn revenue and cost into a margin percentage, the figure that tells you what share of every sale you actually keep.

BusinessPopular

Markup Calculator

Convert between cost, markup and selling price — and between markup and margin, the two numbers people mix up most often.

Business

Break-Even Calculator

Find the unit volume and revenue at which fixed costs are finally covered, and chart how profit behaves either side of that point.

Business

Business ROI Calculator

Judge a project, hire or piece of equipment by return on investment, annualised return and the payback period in months.

Business

Revenue Growth Calculator

Compare two periods to get growth percentage, then annualise it so month-on-month and year-on-year figures stop misleading you.

Business

Gross Profit Calculator

Subtract cost of goods sold from revenue to get gross profit and gross margin, the first health check on any product line.

Business

Net Profit Calculator

Take revenue down through COGS, operating expenses, interest and tax to the bottom line and the net margin behind it.

Business

Operating Margin Calculator

Express operating income as a share of revenue to see how efficiently the core business runs before financing and tax.

Business

Ecommerce Profit Calculator

Strip product cost, shipping, platform fees, ad spend and returns out of an order to find what you really keep per sale.

EcommercePopular

Shopify Profit Calculator

Model a Shopify order end to end — plan fee, payment processing, product cost, shipping and ads — and get your break-even ROAS.

Ecommerce

Amazon FBA Profit Calculator

Stack referral fee, FBA fulfilment, storage, returns and PPC against your price to get net profit, margin, ROI and break-even ACoS.

EcommercePopular

Product Pricing Calculator

Back-solve the selling price that hits your target margin after percentage fees, per-order fees and shipping are taken out.

Ecommerce

Shipping Cost Calculator

Compare actual weight with dimensional weight, apply the carrier's divisor and zone rate, and get the billable cost per parcel.

Ecommerce

Wholesale Pricing Calculator

Set a wholesale price that keeps your margin intact and still leaves a retailer room for a workable keystone markup.

Ecommerce

Discount Calculator

Apply single or stacked discounts, add tax, and see the final price, the amount saved and the true effective discount rate.

EcommercePopular

Sales Tax Calculator

Add tax to a net price or strip it back out of a gross one, with the tax amount shown separately for bookkeeping.

Ecommerce

Ecommerce ROI Calculator

Measure advertising return against real gross profit, not revenue, so ROAS stops flattering campaigns that lose money.

Ecommerce

Conversion Rate Calculator

Turn conversions and visitors into a percentage, or reverse-solve the traffic needed to hit a conversion target.

MarketingPopular

CTR Calculator

Divide clicks by impressions to get click-through rate for ads, emails and search listings, with benchmarks to read it against.

Marketing

CPC Calculator

Work out cost per click from spend and clicks, and see the maximum CPC your conversion rate and margin can support.

Marketing

CPM Calculator

Price impressions per thousand, convert between CPM and CPC using CTR, and budget a reach campaign accurately.

Marketing

ROAS Calculator

Get return on ad spend as a ratio, then compare it with the break-even ROAS your gross margin actually requires.

MarketingPopular

Advertising ROI Calculator

Take revenue down to gross profit before subtracting ad spend, giving the return figure a finance team will accept.

Marketing

Email Open Rate Calculator

Calculate open rate on delivered mail, plus click rate and click-to-open rate — the metric that isolates content from subject line.

Marketing

Engagement Rate Calculator

Measure social engagement against followers and against reach, the two versions of the metric that tell very different stories.

Marketing

SEO Traffic Value Calculator

Price an organic ranking in ad money: search volume, a position CTR curve and CPC give the monthly value of that traffic.

Marketing

Lead Conversion Calculator

Track leads through MQL, SQL and closed deals to get stage conversion rates, pipeline value and cost per lead.

Marketing

Percentage Calculator

Three modes in one tool: what is X% of Y, X is what percent of Y, and the percentage increase or decrease between two numbers.

MathPopular

Fraction Calculator

Add, subtract, multiply and divide fractions with automatic simplification, mixed-number conversion and a decimal equivalent.

Math

Average Calculator

Paste a list of numbers and get mean, median, mode, range, count and sum together, so outliers cannot hide behind the mean.

Math

Ratio Calculator

Simplify a ratio, solve for a missing term, scale a recipe or mix, and convert between ratio, fraction and percentage.

Math

Scientific Calculator

A full keypad with trigonometry, logarithms, powers, roots, factorials and constants, parsed safely without ever using eval.

Math

Exponent Calculator

Raise any base to any power, including negative and fractional exponents, with scientific notation for very large results.

Math

Square Root Calculator

Find square roots, cube roots and any nth root, with simplified radical form and a perfect-square check for whole numbers.

Math

Probability Calculator

Compute single-event, union, intersection, complement and at-least-once probabilities for independent and dependent events.

Math

Standard Deviation Calculator

Get population or sample standard deviation, variance, mean and standard error from a dataset, with every step shown.

Math

Area Calculator

Calculate area for eight shapes — square, rectangle, triangle, circle, trapezoid, parallelogram, ellipse and sector — in any unit.

Math

BMI Calculator

Calculate Body Mass Index from height and weight in metric or imperial units, see your WHO category and your healthy weight range.

HealthPopular

BMR Calculator

Estimate basal metabolic rate — the energy your body burns at complete rest — using Mifflin-St Jeor or Harris-Benedict.

Health

TDEE Calculator

Multiply your BMR by an activity factor to get total daily energy expenditure, the calorie number every diet plan starts from.

HealthPopular

Calorie Calculator

Get maintenance calories plus cutting and bulking targets, with the weekly weight change each target implies.

HealthPopular

Macro Calculator

Split a calorie target into protein, carbohydrate and fat grams using 4/4/9 energy values and a split that suits your goal.

Health

Protein Calculator

Set a daily protein target from body weight, training load and goal, then split it sensibly across your meals.

Health

Body Fat Calculator

Estimate body fat percentage with the US Navy tape method, and see lean mass plus the category your result falls into.

Health

Ideal Weight Calculator

Compare the Devine, Robinson, Miller and Hamwi formulas side by side, plus the healthy BMI weight range for your height.

Health

Water Intake Calculator

Estimate a daily fluid target from body weight, exercise minutes and climate, shown in litres, cups and fluid ounces.

Health

Running Pace Calculator

Solve for pace, time or distance, get a splits table for your target, and see equivalent times at common race distances.

Health

Concrete Calculator

Calculate concrete volume for slabs, footings and columns in cubic feet, yards and metres, plus bag counts and material cost.

Construction

Gravel Calculator

Work out gravel volume and tonnage for a driveway or path from area and depth, with truckload counts and delivered cost.

Construction

Mulch Calculator

Convert bed area and mulch depth into cubic yards and two-cubic-foot bags, so you order once and finish the job.

Construction

Flooring Calculator

Turn room dimensions and plank size into boxes of flooring, including the waste allowance your layout and cut pattern need.

Construction

Paint Calculator

Subtract doors and windows from wall area, apply coverage and coats, and get the gallons or litres to buy plus cost.

Construction

Roofing Calculator

Apply a pitch multiplier to the building footprint to get true roof area, roofing squares, bundles and underlayment rolls.

Construction

Tile Calculator

Get tile count, boxes, grout and adhesive for a floor or wall, with a waste percentage that matches your layout.

Construction

Square Footage Calculator

Measure rooms of any shape, add them together, and convert the total between square feet, square metres and square yards.

ConstructionPopular

Sand Calculator

Calculate sand volume and weight for bedding, sandboxes or paver bases using the density of the sand type you are buying.

Construction

Electricity Cost Calculator

Convert an appliance's wattage and run time into kilowatt-hours, then into daily, monthly and yearly cost and CO2.

Construction

GPA Calculator

Convert letter grades and credit hours into a 4.0 grade point average, with a weighted option for honours and AP courses.

EverydayPopular

Grade Calculator

Combine assignment scores and their weights into a current course grade, letter grade and the points still available.

Everyday

Final Grade Calculator

Find the exact score you need on a final exam to finish a course at your target grade, given its weight.

EverydayPopular

Attendance Calculator

Check your attendance percentage against a required minimum, and see how many classes you must attend or can still miss.

Everyday

Age Calculator

Get an exact age in years, months and days from any birth date, plus total days lived and a countdown to the next birthday.

EverydayPopular

Date Difference Calculator

Measure the gap between two dates in years, months, weeks and days, with an option to include or exclude the end date.

Everyday

Days Between Dates Calculator

Count calendar days, weeks and business days between two dates, with weekends and named holidays excluded on request.

Everyday

Time Duration Calculator

Subtract a start time from an end time, take out breaks, and get the result in hours, minutes and decimal hours.

Everyday

Work Hours Calculator

Add up a week of shifts with breaks, split regular from overtime hours, and turn the total into gross pay.

Everyday

Birthday Calculator

See the weekday you were born, days until your next birthday, milestone dates like 10,000 days, your zodiac sign and generation.

Everyday

Not sure which tool you need?

Start from the question rather than the name. If you are asking what something will be worth later, you want the compound interest or future value calculator. If you are asking what something costs you, start with loan payment or credit card interest. If you are asking whether a price works, the profit margin and break-even tools are the pair to reach for, and the product pricing calculator solves the same relationship backwards.

Health questions chain together in a fixed order: BMR gives what you burn at rest, TDEE adds your activity, calories turns that into a goal, and macros splits the goal into grams. Construction questions almost all start with square footage, because area is the input every material calculation needs.

How the list is organised

The default order puts the twenty-one most-used calculators first and then follows the order they appear in our index, which groups them by subject. A – Z is the obvious alternative when you know the name. Newest reverses the index order, which surfaces the everyday and construction tools that were added last.

Category chips are additive rather than exclusive: select Finance and Mortgage together and you see all thirty of those tools at once, which is useful when a question straddles both. The count beside the chips updates live, so you can see how much a filter narrowed things before you scroll.

One habit that pays off: the filter box matches keywords as well as names. Several calculators are best found by the problem rather than the title — typing overtime finds the work hours calculator, deposit finds the down payment one, and macros finds the macro calculator even though the page is titled differently. If a search you would expect to work does not, that is a gap in our keywords and we would like to hear about it.

What every calculator here has in common

Whatever you open from this grid, the page is built the same way. There is a calculator card at the top that updates as you type, with sliders on the fields where dragging is faster than typing and unit toggles where two systems are in common use. Below it sits the result panel: one headline figure, two to four supporting numbers, and — where it helps — a chart or a full breakdown table.

Under that comes the writing: how to use the tool, the formula with every variable defined, at least one example worked through by hand, how to read the result, and where the method stops being reliable. That last section is the one we spend longest on, because a number without its caveats is worse than no number at all.

Every page also offers three things at the bottom of the result panel. Copy puts the inputs and the result on your clipboard as plain text. Share link builds a URL with your numbers in it, so a colleague opens the same calculation rather than a blank form. Print produces a clean one-page sheet with no navigation and no advertising on it.

Each of the nine category pages explains its own tools in more depth and says which one to choose when two look similar. If none of the hundred answers your question, email info@factonisam.com — a fair number of these started as a request.