Free Financial Calculators and Money Tools

Model a mortgage with extra payments and refinance break-even, compare a line of credit against a term loan, price invoice factoring as an APR, check rental yield and cap rate, count Schengen days for a nomad visa, track a monthly budget, and turn tracked hours into invoices.

Your income, balances and client details are calculated and stored in your own browser, not in an account on our server. There is no bank login and no signup. The calculators show their formulas so you can check the maths before you rely on a result. Freelancers, landlords and small-business owners use them to sanity-check a deal before talking to a lender or accountant.

• Mortgage & Refinance Simulator — Full amortization schedule and refinance break-even, no lead-capture wall.
• Freelance Invoicing — Track time and generate clean client invoices, no signup, no client book upload.
• Digital Nomad Tax & Visa Matcher — Schengen day tracking and rough tax-residency estimates for remote workers.
• Commercial Real Estate (CRE) Cap Rate Calculator — Compute cap rate and cash-on-cash return from NOI and purchase price.
• Business Line of Credit vs. Term Loan APR Simulator — Compare a revolving line of credit and a fixed term loan side by side on effective APR and total interest.
• Invoice Factoring Cost Estimator — See the real annualized effective APR behind a factoring company's flat discount rate.
• Rental Yield Calculator — See gross and net rental yield, accounting for expenses and vacancy, not just the headline rent-to-price ratio.
• Budget & Expense Tracker — Track income and expenses by category and month, compare against budgets, and export CSV — all stored in your browser.

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