Free Tools & Calculators
112 free tools — from tax calculators to typing tests. No sign-up required. Built with federal and state data and refreshed when the underlying agencies publish new figures.
Unlike generic calculators that rely on flat formulas, every tool here draws from primary government sources: IRS tax brackets, HUD Fair Market Rent, USDA income guidelines, CDC health thresholds, and state-specific tax rates across all 50 states. When the IRS updates brackets each January, the income tax and paycheck calculators reflect them. When HUD publishes new fair market rents, the rent affordability tool adjusts automatically.
These tools are built for Americans making real decisions — a first-time homebuyer running mortgage scenarios before an open house, a freelancer estimating quarterly payments before April 15, a parent checking school lunch eligibility, a recent graduate weighing standard versus income-driven repayment, a renter deciding whether buying makes more sense this year.
Every calculator shows its formula, data source, and last-verified date directly on the page. No account required, no email gate. Type your numbers and get an answer.
Browse 9 categories below.
Finance & Tax
35 toolsTax calculators, loan estimators, paycheck and retirement tools
- 401(k) Retirement PlannerProject your 401(k) balance at retirement. Accounts for employee contributions, employer match up to your salary limit, annual salary growth, investment returns, and IRS contribution caps including the age-50 catch-up.
- 529 College Savings CalculatorProject your 529 balance at college age and compare it to projected tuition costs. See your surplus or shortfall and what monthly contribution fully funds it.
- Auto Loan Calculator — Monthly Car PaymentEstimate your monthly car payment from vehicle price, down payment, trade-in, loan term, APR, and sales tax. See total interest paid over the life of the loan.
- Buy vs Rent CalculatorCompare the true cost of buying versus renting over your planned time horizon. Accounts for mortgage interest, property tax, insurance, maintenance, home appreciation, rent increases, and the opportunity cost of investing the down payment.
- Child Support Calculator — Federal Income Shares EstimateEstimate monthly child support using the federal Income Shares baseline, with adjustments for shared custody, health insurance, and childcare. State-specific results require a family law attorney or state child support agency.
- Compound Interest CalculatorCalculate how your investments grow over time with compound interest. Compare daily, monthly, quarterly, and annual compounding with optional monthly contributions.
- Cost of Living ComparisonCompare housing costs, home values, state taxes, and sales tax between any two US ZIP codes. Data sourced from HUD Fair Market Rent, Zillow ZHVI, and Tax Foundation.
- Credit Card Payoff Calculator — Avalanche vs SnowballCompare debt avalanche (highest APR first) and debt snowball (smallest balance first) strategies across up to 3 credit cards. See months to debt-free, total interest, and payoff order.
- Currency ConverterConvert between major world currencies using live rates from the European Central Bank via the Frankfurter API. Rates refresh once per business day at ECB close.
- Debt-to-Income Ratio CalculatorCalculate your front-end and back-end debt-to-income ratios using CFPB lender thresholds. See your rating, maximum affordable mortgage, and remaining headroom for additional debt.
- Discount CalculatorCalculate sale price, discount amount, and total savings from any percentage off. Optionally add sales tax to get the final checkout price.
- EITC & Child Tax Credit CalculatorEstimate your Earned Income Tax Credit and Child Tax Credit. Enter filing status, earned income, AGI, and qualifying children to see both credits and the combined refund impact.
- Estate Tax CalculatorEstimate federal and state estate taxes based on estate value and marital status. See net estate after taxes and which of the 13 states levy estate tax.
- HSA & FSA CalculatorCalculate your annual tax savings from an HSA or FSA contribution. See your effective cost per dollar, contribution limit, and projected HSA balance at age 65.
- Income Tax Calculator (Federal + All 50 States)Estimate your federal and state income tax, FICA, effective rate, and take-home pay for any state and filing status. 2026 brackets from IRS Rev Proc 2025-32.
- Inflation Calculator — Purchasing Power Over TimeCalculate how inflation erodes purchasing power over time. See what today's dollars will buy in the future, or what past dollars are worth in today's money.
- Loan Amortization CalculatorCalculate your monthly payment, total interest, and year-by-year amortization schedule for any loan amount, interest rate, and term.
- Margin & Markup CalculatorCalculate profit margin, markup percentage, and selling price from cost. Three modes: find margin, find price from margin, or find price from markup.
- Minimum Wage Lookup — By StateLook up the current minimum wage in any U.S. state and see which rate applies (state vs federal). Includes tipped minimum and annualized full-time equivalent.
- Mortgage Calculator — Monthly Payment & AmortizationCalculate your monthly mortgage payment including principal, interest, property tax, insurance, HOA, and PMI. See total interest and an amortization snapshot at key years.
- Moving Cost EstimatorEstimate how much your move will cost based on home size, distance, packing service, and season. Includes tip guidance and money-saving tips.
- Net Worth CalculatorCalculate your net worth by entering assets (savings, investments, real estate, vehicles) and liabilities (mortgage, student loans, auto loans, credit cards).
- Paycheck Calculator — See Your Take-Home PayEstimate your net pay per check for any pay frequency, state, and filing status. Includes federal withholding, state withholding, FICA, and pre/post-tax deductions.
- Property Tax Estimator — By StateEstimate your annual and monthly property tax using each state's effective property-tax rate. Includes assessment-ratio adjustment for states that assess below market value.
- Rent Affordability Calculator (HUD Comparison)See how much rent fits your income using the 30% rule, 28/36 rule, and 50/30/20 budget. Compares against HUD Fair Market Rent for your state and bedroom count.
- Rent Split CalculatorSplit rent fairly between up to 4 roommates. Choose equal split, by room size, or by income, and add utilities. See each person's monthly share.
- ROI CalculatorCalculate return on investment (ROI), total gain or loss, and annualized ROI for any investment. Covers stocks, real estate, business projects, and marketing.
- Salary to Hourly CalculatorConvert an annual salary into an hourly rate or vice versa, with a full pay-period breakdown (annual, monthly, biweekly, weekly, daily, hourly).
- Savings Goal CalculatorProject your future savings balance and see whether you will hit your goal. Calculates required monthly contribution if you are short, and shows a milestone table for 25/50/75/100% of goal.
- Shipping Cost Estimator — USPS, UPS, FedExEstimate domestic US shipping costs across USPS Priority Mail, UPS Ground, and FedEx Ground. Accounts for dimensional weight, ZIP zones, and service level.
- Social Security EstimatorEstimate your Social Security retirement benefit based on average earnings and planned retirement age. Compare claiming at 62, 65, 67, or 70.
- Student Loan Repayment Planner — SAVE vs IBR vs ICR vs StandardCompare federal student loan repayment plans side-by-side. Enter your balance, rate, income, and family size to see monthly payment, total interest, and forgiven amount under Standard, SAVE, IBR, and ICR.
- Tax Refund Estimator — Federal 2026Estimate your federal tax refund or amount owed using 2026 IRS brackets. Includes Child Tax Credit, standard or itemized deductions, and above-the-line adjustments.
- Total Compensation CalculatorCalculate your true total compensation — base salary plus bonus, 401(k) match, employer health insurance, PTO value, and other benefits. See effective hourly rate.
- W-4 Withholding CalculatorCalculate the correct W-4 withholding to avoid owing taxes or over-withholding. Get step-by-step W-4 line instructions based on your filing status and income.
Home & Housing
11 toolsMortgage, rent, square footage, paint, flooring, utilities
- Concrete Calculator — Yards, Bags & CostCalculate concrete volume for slabs, footings, and columns. Get cubic yards, 60 lb and 80 lb bag counts, and estimated cost with a waste factor.
- Electric Bill EstimatorEstimate your monthly electric bill by appliance. Enter your $/kWh rate and typical use for AC, heat, laundry, TV, computer, and lights to see total cost and per-appliance breakdown.
- Fabric Calculator — Yards Needed by ProjectEstimate fabric yardage for curtains, tablecloths, upholstery, and quilts. Accounts for fabric width, pattern repeat, fullness, and standard waste.
- Fence Calculator — Materials, Posts & Cost EstimatorCalculate the materials and estimated cost for your fence project. Enter total length, height, fence type, and number of gates to get a full materials list: posts, rails, boards or panels, concrete bags, and total cost range.
- Flooring Calculator — How Much Flooring Do I Need?Calculate how much flooring to buy. Enter room dimensions and waste percentage to get square footage plus the number of boxes needed for hardwood, laminate, tile, vinyl, or carpet.
- Mulch Calculator — Cubic Yards, Bags & CostCalculate how much mulch you need for any garden bed or landscape area. Enter dimensions and desired depth to get cubic yards, bag counts, cost estimate, and bulk vs bag comparison.
- Paint Calculator — How Much Paint Do I Need?Calculate gallons of paint needed for a room. Enter dimensions, count doors and windows, and pick the number of coats — get gallons needed plus estimated cost.
- Square Footage CalculatorCalculate the area of a rectangle, circle, or triangle in square feet, square meters, and acres. Useful for flooring, painting, landscaping, and real-estate measurements.
- US Electricity Rate by StateLook up the average residential electricity rate for any US state and estimate your monthly bill. Includes national rank and comparison to the US average.
- Wallpaper Calculator — Rolls NeededCalculate how many wallpaper rolls you need. Enter wall dimensions, doors, windows, roll size, and pattern repeat — get the number of rolls plus a recommended spare.
- Water Heater Size CalculatorCalculate the right water heater size for your household. Get recommendations for tank (storage) or tankless (on-demand) water heaters based on household size, number of bathrooms, and usage patterns.
Health & Wellness
14 toolsBMI, calories, pregnancy, blood pressure, sleep, pace
- BAC Calculator — Blood Alcohol Content EstimatorEstimate blood alcohol content from drinks consumed, body weight, and time elapsed using the Widmark formula. For education only — never use to decide whether to drive.
- Blood Pressure Checker — AHA ClassificationEnter your systolic and diastolic blood pressure reading to see your AHA classification: Normal, Elevated, High Stage 1, High Stage 2, or Hypertensive Crisis. Includes what each category means and when to see a doctor.
- BMI CalculatorCalculate your Body Mass Index with imperial (lbs, ft/in) or metric (kg, cm) units. Includes category and WHO classification.
- Body Fat Calculator — US Navy MethodEstimate body fat percentage using the US Navy circumference method. Requires only a tape measure — no calipers or scale needed. Includes category classification and lean mass estimate.
- Calorie Calculator (TDEE)Estimate daily calorie needs using the Mifflin-St Jeor equation. Includes BMR, TDEE, and target calories for weight loss or gain.
- Daily Water Intake CalculatorEstimate your daily water intake target in ounces and liters, adjusted for body weight, activity, and climate.
- Due Date Calculator — When Is My Baby Due?Calculate your estimated due date using your last menstrual period, conception date, or IVF transfer date. Includes current trimester and key milestone dates.
- Macro Calculator — Daily Protein, Carbs & FatCalculate daily macronutrient targets in grams based on your calorie intake and chosen diet split. Preset ratios for Balanced, Low Carb, High Protein, and Keto, plus a custom mode.
- Pregnancy Week-by-Week CalculatorFind your current pregnancy week, trimester, and days remaining. See this week's developmental milestone, baby's size comparison, and upcoming milestones.
- Pregnancy Weight Gain CalculatorEstimate healthy pregnancy weight gain based on your pre-pregnancy BMI and current week. Uses 2009 Institute of Medicine guidelines (singleton + twin pregnancies).
- Running Pace CalculatorCalculate running pace, finish time, or distance from any two of the three. Pick a race preset (5K, 10K, half, marathon) or enter a custom distance. Shows race time predictions for other common distances.
- Sleep Calculator — Find Your Ideal Bedtime or Wake TimeFind the bedtime or wake time that aligns with your natural 90-minute sleep cycles. Waking at the end of a full cycle leaves you feeling refreshed instead of groggy.
- TDEE Calculator — Daily Calorie BurnCalculate your Total Daily Energy Expenditure (TDEE) using the Mifflin-St Jeor equation. See your BMR, maintenance calories, and targets for weight loss or gain.
- White Noise Generator — Sleep & Focus SoundsGenerate white noise, pink noise, brown noise, and binaural beats directly in your browser with no downloads or ads. Includes sleep timer (15 min, 30 min, 1 hour, 2 hours). All sounds generated via Web Audio API.
Education
4 toolsGPA, grades, Pell Grant, college net price
- College Net Price CalculatorEstimate what college will actually cost after grants and aid, based on institution type and household income. Compare sticker price vs. net price.
- GPA CalculatorCalculate your semester or cumulative GPA on a 4.0 scale. Add up to 10 courses with letter grades and credits.
- Grade Calculator — Weighted Average & Final Exam NeededTwo modes: (1) compute a weighted course grade from up to 6 categories, or (2) find the score you need on the final exam to hit your target grade.
- Pell Grant EstimatorEstimate your federal Pell Grant eligibility based on household income, family size, and enrollment status. 2025-26 maximum grant is $7,395.
Everyday Tools
15 toolsTips, units, dates, cooking, time zones, sizes
- Age CalculatorCalculate exact age in years, months, and days, plus total days lived and days until next birthday.
- Clothing Size Converter — US, EU, UK, JapanConvert clothing sizes between US, EU, UK, and Japan systems for men's and women's tops and pants. Includes body measurement reference in inches and cm.
- Cooking Temperature Chart — USDA Safe Internal TempsLook up safe internal cooking temperatures for beef, chicken, pork, fish, lamb, and eggs based on USDA guidelines. Includes doneness tiers and rest times.
- Cooking Unit ConverterConvert between cups, tablespoons, teaspoons, fluid ounces, milliliters, grams, ounces, and pounds. Includes density-aware conversion for flour, sugar, butter, milk, honey, and oil.
- Date Difference CalculatorCalculate the number of days, weeks, months, years, and business days between two dates.
- Overtime Pay CalculatorCalculate weekly pay with overtime at 1.5× (time-and-a-half) or 2× (double-time). Covers FLSA-style 40-hour-week overtime.
- Percentage CalculatorThree percentage calculations in one tool: what is X% of Y, X is what percent of Y, and percent change from X to Y.
- QR Code GeneratorGenerate a QR code for any text, URL, Wi-Fi credential, or contact card. Choose size and error-correction level, then download as PNG. Free, no signup, no watermark.
- Ring Size Converter — US, UK, EU, JPConvert ring sizes between US/Canada, UK/Australia, EU, and Japan systems. Find your ring size in every standard plus inner diameter and circumference in mm.
- Scientific Notation ConverterConvert between standard numbers and scientific notation in both directions. Also displays engineering notation (exponent in multiples of 3) for the same value.
- Secure Password GeneratorGenerate cryptographically random passwords with full control over length and character set. Runs entirely in your browser — passwords never leave your device.
- Shoe Size Converter — US, EU, UK, JapanConvert shoe sizes between US, EU, UK, and Japanese (cm) systems for men's, women's, and kids' shoes. Find your closest match plus sizing tips.
- Time Zone ConverterConvert a date and time between any two time zones. Handles Daylight Saving Time automatically via the IANA time zone database. Quick reference: current time in New York, London, Tokyo, Sydney, and Los Angeles.
- Tip Calculator & Bill SplitterCalculate tip and split the bill across any number of people. Standard US tip guidance with 15%, 18%, 20%, and 25% comparison.
- Unit ConverterConvert between common units of length, weight, volume, area, speed, time, and temperature. Imperial ↔ Metric.
Auto & Driving
4 toolsGas mileage, tire size, fuel cost, DMV practice test
- DMV Practice Test — Free 20-Question QuizFree 20-question DMV practice test covering road signs, right-of-way, speed limits, DUI laws, and safe driving. Instant feedback, explanations, and review of missed questions.
- Fuel Cost CalculatorEstimate how much gas your trip will cost. Enter distance, fuel efficiency, and price per gallon — works with MPG (US) or L/100km (metric).
- Gas Mileage (MPG) CalculatorCalculate your real-world MPG, estimate trip fuel cost, or compare two vehicles' annual fuel cost. Get cost per mile and L/100 km for reference.
- Tire Size Comparison CalculatorCompare two tire sizes side by side. Get overall diameter, sidewall height, speedometer error at 60 mph, and revs per mile so you can plus-size or downsize safely.
Developer & Design
14 toolsJSON, regex, color, Base64, hash, encoders
- Aspect Ratio CalculatorFind the aspect ratio of any resolution, or scale dimensions proportionally. Recognizes common presets like 16:9, 4:3, and 1:1.
- Base64 Encoder & DecoderEncode plain text to Base64 or decode Base64 back to text. Handles Unicode characters correctly. Runs entirely in your browser — no data sent to any server.
- Case ConverterConvert text between 10 different letter cases instantly — UPPER CASE, lower case, Title Case, camelCase, PascalCase, snake_case, kebab-case, and more.
- Character CounterCount characters in your text and see how many remain for Twitter, Instagram, LinkedIn, SMS, and SEO meta fields.
- Color Converter — Hex, RGB & HSLConvert color codes between Hex, RGB, and HSL with an inline color preview. Useful for web design, CSS, brand assets, and accessibility-contrast checks.
- Color Picker — HEX/RGB/HSL, Palettes & WCAG ContrastPick colors, generate complementary/analogous/triadic/split/monochromatic palettes, and check WCAG 2.1 contrast ratios with live previews.
- Hash GeneratorGenerate cryptographic hash values for any text using SHA-256, SHA-384, and SHA-512. Runs in your browser using the Web Crypto API — no data sent to any server.
- Internet Speed Calculator — What Speed Do I Need?Calculate how much internet speed your household needs based on streaming devices, work-from-home video calls, gaming, and smart home devices. Get a recommended Mbps and plan tier.
- JSON Formatter & ValidatorInstantly format, pretty-print, and validate JSON. Detects syntax errors with position info, and shows key count, max depth, and byte size.
- Lorem Ipsum GeneratorGenerate random Lorem Ipsum placeholder text by paragraphs, sentences, or words. Runs entirely in your browser — no server required.
- Pixel Ruler — PPI, Print Size & Resize CalculatorThree calculators in one: PPI from screen dimensions, maximum print size from pixel count, and aspect-locked image resizing.
- Regex Tester — Test Regular Expressions in Real TimeTest and debug regular expressions in real time. Highlights all matches, shows capture groups and match positions, includes a quick-reference cheat sheet, and has common pattern presets for email, phone, URL, IP address, and date formats.
- URL Encoder & DecoderEncode text for safe use in URLs or decode percent-encoded strings back to plain text. Handles spaces, &, ?, =, and all special characters.
- Word CounterCount words, characters, sentences, and paragraphs in any text. Instantly see estimated reading and speaking time.
Interactive
11 toolsTyping test, pomodoro, flashcards, habit + mood tracker
- Baby Name Popularity LookupLook up how popular a baby name is using the most-recent US Social Security Administration top-100 rankings. See rank, approximate births, and nearby names.
- Cat Age Calculator — Cat Years to Human YearsConvert your cat's age into human-equivalent years using the AAHA/AAFP formula. See life stage, average lifespan by indoor/outdoor status, and remaining-year context.
- Coin Flip & Dice RollerFlip coins or roll dice with cryptographically secure randomness. Runs entirely in your browser — no server, no logs.
- Dog Age Calculator — Dog Years to Human YearsEstimate your dog's age in human years using AVMA-aligned size-adjusted formulas — the simple ×7 myth is wrong. Larger breeds age faster than smaller ones.
- Flashcard Maker — Free Study ToolBuild flashcards by typing or bulk-importing pairs, then study with shuffle and 'got it / again' marking. No account needed; cards stay in this browser session.
- Habit Tracker — Weekly Habit GridTrack up to 10 daily habits across a 7-day grid. Tap to mark complete, see streaks and completion rate, and reset weekly. No sign-up; in-session only.
- Mood Tracker — Daily Mood LoggerLog your mood with a tap, add an optional note, and see your trend over time. Five-point scale, timeline view, simple chart. In-session only; no account.
- Pomodoro TimerClassic 25-minute work / 5-minute break Pomodoro timer with long-break cycle, session counter, audio alert, and adjustable durations.
- Random Number GeneratorGenerate cryptographically random integers in a range, with or without duplicates. Runs entirely in your browser using crypto.getRandomValues — no server, no logs.
- Screen Time CalculatorAdd up your daily screen time across phone, computer, TV, gaming, and tablet. See weekly, monthly, and annual totals plus how it compares to AAP recommendations.
- Typing Speed Test — WPM TesterTest your typing speed and accuracy. Get real-time WPM, error tracking, and a new passage every round. No sign-up.
Benefits & Eligibility
4 toolsMedicaid, SNAP, school lunch, ACA subsidy
- ACA Health Insurance Subsidy EstimatorEstimate your ACA marketplace subsidy (premium tax credit) based on household size, income, and age. Uses 2025 federal poverty guidelines and national average Silver plan benchmarks.
- Free School Lunch Eligibility CheckerFind out if your child qualifies for free or reduced-price school meals under the National School Lunch Program. Uses 2025 federal poverty thresholds.
- Medicaid Eligibility Checker — All 50 StatesCheck Medicaid and CHIP eligibility for your state using MAGI rules, the 2025 Federal Poverty Guidelines, and state-specific FPL thresholds. Includes coverage-gap warnings.
- SNAP / Food Stamps Eligibility CalculatorFind out if your household qualifies for SNAP (food stamps) benefits. Uses 2025 federal poverty guidelines and state-specific BBCE rules.