Finance

The finance category covers the calculators a freelancer, small business, or anyone managing personal money reaches for most often: loan and mortgage amortization, compound interest, ROI, profit margin and markup, break-even, salary-to-hourly conversion, percentage math, VAT and sales tax, tip-and-split, and an invoice generator that builds a clean PDF without an account.

Every calculator here runs entirely in your browser. Income, debts, prices, margins, client details — none of it is uploaded or stored. That is the right design for financial inputs, which are sensitive even when they feel mundane. The tools are tuned to be useful estimates rather than authoritative quotes: a loan calculator gives you the bank's amortization formula but not the lender's specific fees; an invoice generator produces a valid-looking PDF but the legal requirements in your country (EU VAT, UK MTD, US sales tax) are worth confirming before sending in a regulated context. Use them to make decisions faster, then verify with the system of record.