Finance
Personal finance calculators for borrowing, saving, investing, pricing and pay.
22 free finance tools. Every tool runs in your browser, works without an account, and processes files locally whenever the browser allows it.
By the utils.sbs team · Reviewed November 2026
The shelf
All finance tools
22 tools · updated for 2026
- Loan CalculatorpopularEstimate monthly payments and total interest.
- Mortgage CalculatorWork out mortgage payments with taxes and insurance.
- Auto Loan CalculatorCalculate car payments, interest and payoff.
- Credit Card PayoffEstimate how long it takes to clear a balance.
- Compound Interest CalculatorSee how investments grow with compounding.
- Simple Interest CalculatorCalculate interest without compounding.
- Savings Goal CalculatorFind the monthly saving needed to hit a target.
- Retirement CalculatorProject your retirement nest egg and gap.
- ROI CalculatorCalculate return on investment and net profit.
- CAGR CalculatorFind the compound annual growth rate.
- Break-Even CalculatorFind the units needed to cover fixed costs.
- Profit Margin CalculatorCalculate gross margin and markup from cost and price.
- Markup CalculatorSet selling price from cost and desired markup.
- Discount CalculatorFind sale price and money saved.
- Tip CalculatorSplit a bill and calculate the tip per person.
- VAT CalculatorAdd or remove VAT from a gross or net amount.
- Salary to HourlyConvert annual salary to hourly, weekly and monthly pay.
- Freelance Rate CalculatorWork out a sustainable hourly freelance rate.
- Invoice Total CalculatorAdd tax, discounts and fees to an invoice total.
- Currency ConverterConvert currencies using a rate you provide (offline-safe).
- Crypto Profit CalculatorCalculate profit, loss and percentage return on a trade.
- Inflation CalculatorSee the future value of money after inflation.
How this shelf works
About finance tools
Finance tools handle the small, repeatable jobs that show up between real work: loans, pay, savings. They are built as focused utilities, so each page does one job without asking you to create an account or install software.
Open a tool, add your input, adjust the settings, and download the result. Processing happens in the browser using the platform APIs available for that file type. Files are not uploaded to a server, so the tool keeps working offline once the page has loaded.
Looking for something else? Browse the full tool index or search the catalogue from the homepage.
Finance tool questions
Are finance tools free?
Yes. Every finance tool on utils.sbs is free, requires no account, and has no per-file or per-use charge.
Are my files uploaded when I use a finance tool?
No. The tools are designed to process input in the browser whenever the platform API allows it. Files are not uploaded to a server for processing.
Do I need to install anything to use these tools?
No. Everything runs in a modern web browser. Open a tool page, use the workspace, and download the result.
How do I choose the right finance tool?
Each tool page describes what it does, its input and output formats, the engine it uses, and its limitations. Start with the description that matches your job, then open the tool page for the workspace and step-by-step guide.