Free Online Finance Tools and Calculators

Use PraxisCalc as a hub for free financial calculators, investment calculators, loan calculators, business calculators, and supporting PDF/productivity tools from our network.

These tools (excluding EasyFinancialModels) are engineered by Zeta Digilux Labs, a global network of precision digital utilities.

Most-Used Free Financial Calculators

Start with the calculator clusters showing the strongest Google Search Console demand: discount, ROI, CAGR, net worth, 401(k), break-even, markup, mortgage, and loan tools.

Discount / Sale Price CalculatorPercent off, final price, coupon, tax, and original price. ROI CalculatorReturn percentage, business ROI, annualized ROI, and payback. CAGR CalculatorCompound annual growth rate, reverse CAGR, and monthly CAGR. Net Worth CalculatorAssets minus debts, household net worth, and net assets. 401(k) CalculatorSavings growth, employer match, contribution limits, and future value. Break-Even CalculatorUnits, sales revenue, contribution margin, and fixed costs. Markup CalculatorRetail markup, selling price, markup percentage, and margin difference. PITI Mortgage CalculatorPrincipal, interest, taxes, insurance, PMI, and monthly payment. Loan EMI CalculatorPersonal, home, auto, and monthly loan payment scenarios. Credit Utilization CalculatorOverall ratio, target pay-down amount, and per-card impact. Debt Snowball vs. AvalancheCompare payoff order, months to debt-free, and interest saved. Tip CalculatorSplit the bill, calculate gratuity, and see the per-person total. NPV CalculatorNet present value from an initial cost, discount rate, and cash flows. Rule of 72 CalculatorEstimate how many years it takes an investment to double. Tax Bracket CalculatorEstimate federal tax, marginal bracket, and effective tax rate. HELOC CalculatorAvailable home equity credit line and draw-period payment. Refinance CalculatorCompare old vs new loan payment and find the break-even point. Paycheck CalculatorEstimate take-home pay after federal tax and FICA. IRR CalculatorInternal rate of return from an investment's cash flows. Self-Employment TaxEstimate SE tax on freelance or business net income. Lease vs Buy CalculatorCompare total cost of leasing vs buying a car. Retirement WithdrawalEstimate annual withdrawals and portfolio longevity. Freelance Hourly RateFind the rate you need to charge to hit your income goal. Cost of Living ComparisonCompare cities and find the salary you need to relocate. Crypto Capital GainsEstimate capital gains tax on cryptocurrency sales. Wedding Budget CalculatorBreak down your wedding budget by category. Business Valuation (SDE)Estimate small business value using the SDE multiple method. Zakat CalculatorCalculate annual Zakat on eligible assets above Nisab. Income-Driven RepaymentEstimate student loan payments under an IDR plan. Life Insurance NeedsEstimate coverage needed using the DIME method. Debt Payoff CalculatorCalculate payoff time and total interest on a debt. RSU Vesting ValueCalculate after-tax value of vesting RSU shares. Stock Options ValueCalculate intrinsic value and exercise cost of options. 529 College SavingsProject 529 plan growth toward college costs. Solar Panel ROICalculate solar payback period and long-term savings. Gift Tax ExclusionCalculate gift amounts exceeding the annual exclusion. Expat Salary ComparisonCompare a foreign job offer to your home salary. Home AffordabilityFind the max home price you can afford (28/36 rule). Estate Tax EstimatorEstimate federal estate tax exposure above exemption. Real Wage GrowthCheck if your raise beat inflation in real terms. Rental Cap RateCalculate cap rate, cash flow, and cash-on-cash return. HSA Tax SavingsCalculate total tax savings from HSA contributions. Roth vs TraditionalCompare after-tax value of Roth vs Traditional 401(k). Bonus Tax CalculatorCalculate take-home pay from a work bonus. Alimony EstimatorEstimate potential spousal support for planning. Umbrella InsuranceEstimate umbrella liability coverage needed. Severance CalculatorEstimate severance package value and runway. Car Total Cost of OwnershipCalculate the true total cost of owning a car. Baby First-Year CostEstimate total cost of a baby's first year. Pet Ownership CostEstimate annual and lifetime cost of a pet. Moving Cost CalculatorEstimate total cost of your move. Quarterly Estimated TaxCalculate your quarterly estimated tax payment. Home Renovation ROICalculate ROI on a home renovation project. Down Payment SavingsCalculate monthly savings needed for a down payment. Bill Split CalculatorSplit a bill with tax and tip among a group. Overtime Pay CalculatorCalculate pay including time-and-a-half overtime. Total CompensationCalculate the true total value of a job offer. Balance Transfer SavingsCalculate savings from a 0% APR balance transfer. Vacation Budget CalculatorCalculate trip cost and monthly savings needed. Credit Card Rewards ValueSee if a rewards card's annual fee is worth it. Charitable Donation TaxCalculate tax savings from a charitable donation. Payday Loan True CostSee the real effective APR of a payday loan. Grocery Budget CalculatorCalculate a monthly grocery budget by household size. Electricity Cost CalculatorCalculate the cost of running an appliance. Subscription Cost CalculatorFind your true total subscription spending. Withholding AdjustmentAdjust paycheck withholding based on last year's refund. Unemployment BenefitsEstimate a weekly unemployment benefit amount. Commute Cost CalculatorCalculate the true monthly cost of your commute. Latte Factor CalculatorSee what a small daily expense could grow into. Raise Negotiation CalculatorSee how a bigger raise compounds over your career. Signing Bonus Clawback CalculatorCalculate prorated bonus repayment if you leave early.
Investment guide → Loans & credit guide → Business finance guide → Every calculator by life stage →

New: Free Unit Converters

Beyond finance, PraxisCalc now offers fast, accurate unit converters for length, weight, temperature, volume, speed, and time, with more categories on the way.

Length Convertermm, cm, m, km, inches, feet, yards, miles. Weight & Mass Converterkg, lb, g, oz, stone, metric & US tons. Temperature ConverterCelsius, Fahrenheit, and Kelvin. Volume Converterml, liters, cups, tablespoons, gallons. Speed Convertermph, km/h, m/s, knots, ft/s. Time ConverterSeconds, minutes, hours, days, years.
Browse all unit converters →
Featured Tool

EasyFinancialModels.com

Free Investor-Grade Financial Model Generator

EasyFinancialModels lets you generate a complete, investor-grade financial model in under 60 seconds - no sign-up, no payment, no spreadsheet skills required. It outputs a fully formula-linked, 15-sheet Excel workbook ready for investor meetings, business plans, or internal forecasting.

What You Get in the Download

Every generated model is a production-ready .xlsx file containing 15 interconnected sheets:

Income Statement - revenue, COGS, gross margin, EBITDA, net income
Balance Sheet - assets, liabilities, equity with auto-balancing
Cash Flow Statement - operating, investing, financing activities
DCF Valuation - discounted cash flow with terminal value
CAPM / WACC - cost of equity, cost of debt, weighted average
Charts & Ratios - IRR, NPV, profitability ratios, visual dashboards

Key Features

  • ✓ 3 to 25-year projections - annual or quarterly granularity, you choose the horizon
  • ✓ 30+ currencies - USD, EUR, GBP, INR, AED, JPY, and more built in
  • ✓ Fully formula-linked - change one assumption and every sheet updates automatically
  • ✓ No sign-up required - enter your inputs, click generate, download the .xlsx
  • ✓ Built for investors & founders - suitable for pitch decks, bank loans, internal budgets, and startup fundraising

Who Is It For?

Developed by a professionally qualified Chartered Accountant (ACCA) and CIMA-qualified management accountant, EasyFinancialModels brings real-world financial expertise into every template. Whether you're a startup founder preparing for a seed round, a small business owner forecasting next year's cash flow, or a finance student learning financial modeling - it replaces hours of manual spreadsheet work with a one-click, professionally structured output. It pairs perfectly with PraxisCalc's ROI Calculator, CAGR Calculator, and Break-Even Calculator for quick sanity checks on individual assumptions before generating the full model.

Generate Your Free Financial Model

More Free Tools From Our Network

Each tool below is completely free - no hidden fees, no account required. Built and maintained to the same professional standard as PraxisCalc.

CustomizedPDF.com

Free, Secure, Browser-Based PDF Tools

CustomizedPDF is your all-in-one hub for free online PDF tools that work entirely inside your browser. Unlike most PDF sites, your files are processed client-side - they are never uploaded to a server, so confidential contracts, financial statements, and personal documents stay 100% private on your device.

Complete PDF Toolkit

Everything you need to manage, edit, and convert PDF documents in one place:

Merge & Split - combine multiple PDFs or extract individual pages
Compress - shrink large PDFs without losing quality
Convert - PDF to Word, Excel, JPG, and back again
Rotate & Organize - reorder, delete, and rotate pages
Watermark & Sign - add watermarks, page numbers, and stamps
Protect & Unlock - add or remove password protection

Why Choose CustomizedPDF?

  • ✓ 100% private - files processed in-browser, never uploaded to a server
  • ✓ No installation - works on any device with a modern browser
  • ✓ Completely free - every tool, no hidden fees or watermarks
  • ✓ Fast & unlimited - no daily caps, no waiting queues

Perfect Companion to Your Financial Work

Building a business plan or loan application with PraxisCalc and EasyFinancialModels? Use CustomizedPDF to merge your financial model, calculator results, and supporting documents into a single polished PDF for investors or lenders - then compress it for easy email delivery. It's the natural last step after running your loan and ROI numbers.

Open CustomizedPDF Tools

FastipLOOKUP.com

Instant IP Geolocation & Network Diagnostics

FastipLOOKUP is a fast, free IP address lookup and geolocation tool. In one click it answers "what is my IP address?" and reveals detailed network intelligence about any IPv4 or IPv6 address - making it indispensable for network admins, security analysts, and digital marketers.

What You Can Look Up

Geolocation - country, region, city, and approximate coordinates
ISP & Network - internet provider, ASN, and organization
Timezone - local time and UTC offset for the IP
IPv4 & IPv6 - full support for both address formats

Who Uses It?

  • ✓ Network administrators - diagnose connectivity and routing issues
  • ✓ Cybersecurity teams - investigate suspicious traffic and verify origins
  • ✓ Digital marketers - audit geo-targeting and verify ad delivery regions
  • ✓ Remote workers - confirm a VPN is masking their real location

Fast, Free & No Sign-Up

No registration, no software, no limits - just instant results in your browser. Whether you're troubleshooting a network, checking a VPN, or researching an IP, FastipLOOKUP delivers accurate data in seconds.

Look Up Your IP Now

ApexConverter.com

The Global Unit & Measurement Converter Hub

ApexConverter is a precision online unit converter built for engineers, students, scientists, and anyone who works across measurement systems. From everyday metric-to-imperial conversions to advanced scientific units, it brings the entire universe of measurements to your fingertips - instantly and accurately.

Convert Anything

Length - cm to inches, meters to feet, miles to km
Mass & Weight - kg to lbs, grams to ounces, tonnes
Temperature - Celsius, Fahrenheit, and Kelvin
Volume, Speed, Area - liters, gallons, mph, km/h, m2, acres
Scientific Units - energy, pressure, power, data, and more
Currency-Ready - perfect for international financial work

Built for Precision

  • ✓ Precision algorithms - full decimal accuracy on every conversion
  • ✓ Hundreds of units - from everyday to highly specialized
  • ✓ Instant & free - no sign-up, results as you type
  • ✓ Clean interface - designed for engineers, students, and pros

Great for Global Finance

Working with international suppliers, imports, or cross-border projects? Use ApexConverter for unit conversions alongside PraxisCalc's Currency Converter and VAT/GST Calculator to keep both your measurements and your money accurate.

Start Converting Units

CheckBodyScore.com

Your Partner for Smarter Health Insights

CheckBodyScore is a comprehensive platform of free, science-backed health and body calculators. Built on the belief that health decisions should be guided by knowledge, it helps you measure, track, and optimize your personal health metrics - all using clinically recognized formulas.

Health Calculators Included

BMI Calculator - body mass index with healthy-range guidance
Body Fat % - US Navy method circumference calculation
BMR & TDEE - basal metabolic rate & daily calorie needs
Ideal Weight - target weight ranges by height and frame

Backed by Real Science

  • ✓ Peer-reviewed formulas - Mifflin-St Jeor, Harris-Benedict, US Navy method
  • ✓ Clear explanations - understand what each number actually means
  • ✓ Metric & imperial - works with your preferred units
  • ✓ Free & private - no sign-up, no data stored

"Measure Smart. Live Better."

Just as PraxisCalc helps you take control of your finances, CheckBodyScore helps you take control of your health - with the same commitment to accuracy, clarity, and free access for everyone.

Check Your Body Score

Browse More Financial Calculators

PraxisCalc offers 36 free calculators for investment, loans, retirement, business planning, shopping math, and personal finance. Use this hub to jump into priority tools or browse the complete calculator library.

Browse All 36 Calculators