Finance Tools

Generate valid test credit card numbers using the Luhn algorithm for multiple brands. Export results to JSON, CSV, XML, YAML, TOML, and NDJSON.

Convert annual, monthly, or weekly salary to hourly rate with customizable working hours and detailed calculation breakdown.

Convert salary to hourly rate and see all pay periods at a glance. Quick presets for common salaries, hours, and weeks with instant daily, weekly, bi-weekly, monthly, quarterly, and annual breakdown.

Calculate investment returns for lumpsum investments with CAGR, future value, and compound interest calculations. Browser-based history tracking for all calculations.

Calculate gross and net rental yield for property investments. Track rental income, expenses, vacancy rates, and compare property ROI with detailed analysis and log history.

Calculate trip fuel costs, fuel consumption, cost per km/mile, and CO2 emissions. Compare vehicle types, plan budgets, and estimate annual fuel expenses.

Calculate fair tip distribution based on hours worked. Divide total tips proportionally among employees based on their work hours with detailed breakdown.

Estimate how long it takes for an investment to double using the Rule of 72 formula. Calculate time to double based on interest rate with both approximation and exact calculations.

Calculate credit card debt-to-limit ratio (credit utilization) with support for multiple cards. Helps optimize your FICO score by tracking credit utilization.

Calculate asset depreciation using the straight-line method. Includes depreciation schedule, annual breakdown, and visual chart for accounting and tax purposes.

Project future affiliate marketing earnings with traffic growth, conversion rates, and commission calculations. Visualize income projections over time.

Fun viral calculator to see if your affiliate income can cover your monthly expenses. Get a reality check with emoji reactions and shareable results.

Calculate whether your monthly income is enough to cover your expenses. Break down spending into Needs, Installments, and Lifestyle to see your remaining balance and budget health.

Automatically divide your budget using the 50/30/20 rule: 50% for Needs, 30% for Wants, 20% for Savings. Perfect for personal financial planning and budgeting.

Paste your transaction list to detect where your money silently disappears. Categorizes leaks by type, scores them by severity, and projects your yearly loss.

Simulate how long your savings will last under different scenarios: normal spending, job loss, or expense cuts. Visualize your financial runway with inflation-adjusted projections.

Set a savings target, deadline, and current balance to find out if your plan is feasible. Get personalized recommendations to extend your timeline, boost income, or adjust your goal.

Compare debt snowball and debt avalanche payoff strategies across multiple balances. Estimate payoff time, total interest, and which repayment plan saves more.

Reveal the real cost of any purchase: how many work hours it takes to earn, and how much future wealth you give up by not investing that money instead.

What is delaying this actually costing you? Calculate the dollar cost of delay, opportunity cost, and a compounding "pain of not doing it" score based on task value, days delayed, hourly rate, and stress level.

Compare doing tasks yourself versus delegating. Calculate break-even point, recurring savings over 3/6/12 months, and a clear action recommendation.

Calculate the payback period, 5-year ROI, and whether learning a skill beats investing your time-cost in index funds.

Calculate the total financial cost of switching careers, break-even year, and lifetime earnings comparison between your current and target path.

Calculate cost-per-use for any purchase, find your personal price-per-use threshold, and get a pre-purchase warning score for future buys.

Calculate how much money you throw away in food waste, your annual and lifetime waste cost, and the work-hours you earned just to trash it.

Reveal your actual effective hourly rate after accounting for unpaid admin hours, revision time, taxes, and tool costs as a freelancer.

Rank your freelance clients by true profit-per-hour, identify your worst client by ROI, and see what firing them would free up.

Calculate the exact percentage you can raise your freelance rate while staying revenue-neutral, with tiered pricing suggestions.

Get a clear buy vs. build recommendation with break-even analysis based on purchase cost, build time, your hourly rate, and usage duration.

Calculate the total life-hours lost to commuting, what you could have learned or earned instead, and your true salary after commute costs.