Precise Calculators for Every Financial Decision

200+ free online calculators for finance, business, and investment decisions. No sign-up, no paywall — just accurate results, fast.

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By The Numbers

200+
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15+
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Browse Categories

Investment & Returns

15 tools
Growth vs Value Stock → Forward P/E Ratio →

Mortgage & Real Estate

12 tools
Dual Income Mortgage → Balloon Mortgage →

Tax & Compliance

10 tools
Depreciation Recapture Tax → Bonus After Tax →

Business Operations

12 tools
Inventory Obsolescence Rate → Freight Audit Savings →

HR & Payroll

11 tools
International Payroll Cost → Key Man Insurance Cost →

Marketing & Growth

14 tools
Influencer Cost Per Engagement → Coupon Campaign ROI →

Credit & Loans

10 tools
BNPL True Cost → Credit Card Interest Rate →

Savings & Income

13 tools
Goal-Based SIP → Biweekly Pay →

All Tools

Effective Interest Rate

Investment

Bond Coupon Payment

Investment

Loan Default Risk

Credit

Lease vs Buy Equipment

Business

Hourly → Annual Salary

Income

Freelance Annual Income

Income

Employee Benefits Value

HR

HR Cost Per Hire

HR

Disposable Income

Income

Inflation-Adjusted Return

Investment

Expense Ratio Comparison

Investment

Cost of Capital

Business

Enterprise Value

Investment

EPS Growth

Investment

Liquidity Coverage Ratio

Business

Economic Value Added

Business

Closing Cost

Mortgage

Down Payment Assistance

Mortgage

529 College Savings

Savings

Credit Utilization

Credit

Real-World Scenarios

Home Buying

Should you buy that house?

Inputs
Home price$450,000
Down payment20%
Interest rate6.8%
Loan term30 years
Results
Monthly payment$2,351
Total interest$516,218
Closing costs$13,500
Housing cost ratio28.2%
Startup Funding

How much equity are you giving up?

Inputs
Pre-money valuation$2,000,000
Investment amount$500,000
ESOP pool10%
Your current stake80%
Results
Post-money$2,500,000
Investor stake20.0%
Your new stake57.6%
Dilution22.4%
Employee Cost

What does an employee really cost?

Inputs
Base salary$75,000
Benefits rate30%
Payroll tax7.65%
Work hours/year2,080
Results
Total cost$103,238
Per-hour cost$49.63
Benefits cost$22,500
Employer match$2,250

Frequently Asked Questions

No. Novagrid's calculator results are for personal estimation and reference only — they do not constitute tax advice, legal counsel, or professional accounting judgment. Tax laws are complex and vary by jurisdiction. For tax filings and legal documents, always consult a licensed CPA or tax attorney. Our tools help you quickly understand what the numbers mean, not replace professional services.
No. All calculations run entirely in your browser — nothing you type is ever sent to our servers, stored, shared, or used for any other purpose. Once you close the page, your inputs are gone. We don't require you to create an account, and we don't use cookies to track your calculations.
Some calculators pre-fill reference values based on recent market data (like average mortgage rates), but these defaults are only starting points. We recommend replacing them with the actual rates and fees you've received from your bank or broker for results that reflect your real situation. Every calculator lets you freely modify all input fields.
Not at all. All 200+ calculators on Novagrid are 100% free — no account required, no email needed, no paywalls, and no feature restrictions. Open a page, run your numbers, and close it when you're done. We believe financial calculators should be freely accessible infrastructure for everyone.
Yes. We regularly review and update calculators that involve tax rates, social security contributions, and standard deductions to reflect the latest federal and state regulations. However, tax laws change frequently — if you're using a calculator during tax season, double-check that the built-in rates match your state's current rules. Each calculator page displays its most recent data update date.