Free Financial Calculators
Free calculators for the money decisions that actually cost you
216 working calculators across insurance, borrowing, legal practice and trading. Every one runs in your browser, needs no account, and stores nothing you type.
Most financial calculators online exist to collect a lead. They ask for a postcode, an email, a phone number, and hand the result to someone who wants to sell you a policy or a loan.
These do not. There is no form, no account, no lead generation and no data collection of any kind - the arithmetic runs inside your browser and the numbers never leave it. The site is funded by advertising, which is the whole business model.
All 50 sections
Each section groups the tools for one topic. Every tool also sits at the root, so a calculator is one click from anywhere.
Insurance15 sections · 76 tools
Premiums, deductibles, coverage limits and what a claim actually pays.
Legal practice12 sections · 48 tools
Billable time, fee estimates, deadlines and matter budgets.
Loans & mortgage12 sections · 48 tools
Payments, affordability, amortisation, refinancing and debt payoff.
- MortgageAffordabilityTools
Free Home Affordability Calculators
4 tools
Mortgage Affordability Calculator → - MortgageBrokerTools
Free Mortgage Brokerage Business Calculators
4 tools
Mortgage Broker Revenue Calculator → - LoanOfficerTools
Free Loan Officer Production Calculators
4 tools
Loan Officer Income Target Calculator →
Trading & crypto11 sections · 44 tools
Position sizing, risk limits, performance statistics and record keeping.
Start here
Insurance Quote Calculator
Rebuild a quoted premium from its base rate and rating factors so you can see exactly what each factor is costing you.
Open calculator →Auto Insurance Calculator
Add up a car insurance premium from its individual coverages and see which part of the policy is actually costing you money.
Open calculator →Home Insurance Calculator
Build out the full coverage structure of a homeowner policy from the dwelling limit, and see what every other limit is derived from.
Open calculator →Life Insurance Calculator
Size life cover by adding up the obligations it would need to meet, then subtracting the resources already in place.
Open calculator →Coverage Analyzer
Compare up to three policies on the total cost of being insured, combining the premium with the share of a claim each one leaves with you.
Open calculator →Policy Renewal Date Calculator
Work out your renewal date, expiry, grace period and the point at which you should start comparing quotes.
Open calculator →Deductible Ladder Calculator
Compare the premium at four deductible levels at once and find the step that buys the most saving per dollar of extra exposure.
Open calculator →Insurance Premium Calculator
Calculate a premium from a rate per $1,000 of coverage, with surcharges, discounts, fees and tax applied in the order carriers use.
Open calculator →Why these are different
Nothing is collected
No sign-up, no email, no stored figures. Calculations happen in the page, which is why nothing can be transmitted.
Real working tools
216 calculators built on 129 engines, with worked examples computed by the same code that runs the tool.
The assumptions are stated
Every tool says what it calculates, what it ignores, and where an estimate stops being reliable.
No invented numbers
No fabricated rates, statistics, reviews or experts anywhere. Every figure comes from what you enter.
How to use this site
- Pick the calculator that matches your question.
- Enter your own figures - from a quote, a statement or your own records.
- Read the result, the breakdown, and the assumptions behind it.
- Copy or download the result; nothing is saved on our side.
Common questions
Is any of this free?
Yes, all 216 tools, with no account and no paid tier. The site is funded by advertising and nothing else.
Do you store what I type?
No. Calculations run in your browser and the values are never transmitted. Tools that keep records - the trading journal, the checklists - store them in your own browser and can be exported.
Do you sell leads or pass details to providers?
No. There is no application form, no quote request and no lead generation anywhere on this site.
Are these results advice?
No. They are estimates from figures you supply, for informational and educational purposes. Insurance, legal, lending and trading decisions need a qualified professional who knows your circumstances.