Free Online Finance & Money Tools

What Each Tool Does

Every tool below opens instantly, needs no account, and processes your data locally in your browser. Here is what each one is for:

Loan EMI

The exact monthly payment (EMI), total interest and payoff schedule for any fixed-rate loan — personal, auto, or anything else with a rate and a term. Open the Loan EMI →

Debt Payoff

Enter every card and loan, choose avalanche or snowball, and get your debt-free date, total interest and the exact payoff order. Open the Debt Payoff →

Credit Score

Answer five questions — payment history, utilization, credit age, mix, inquiries — and see your estimated FICO range with a factor-by-factor breakdown. Open the Credit Score →

Budget Planner

Monthly income against itemized expenses, with an instant surplus/deficit readout and a 50/30/20-rule health check on your split. Open the Budget Planner →

CD Interest

Maturity value and interest earned on any Certificate of Deposit from deposit, APY and term — including monthly-vs-daily compounding and early-withdrawal penalty math. Open the CD Interest →

Inflation

Convert dollars between any two years using historical CPI averages, or project what today's money will buy at a custom future inflation rate. Open the Inflation →

Balance Transfer

Prices a 0% APR balance transfer honestly: transfer fee included, promo expiration included, versus paying down the card where it is. Open the Balance Transfer →

Payoff Order

Ranks your credit cards into the exact order to pay them, with avalanche and snowball timelines and interest compared side by side in one table. Open the Payoff Order →

Card Rewards

Your real annual rewards value from category-by-category spending and earn rates, with the annual fee netted out and a break-even spend figure. Open the Card Rewards →

FICO Impact

Pick any credit event — a 30-day late, a maxed card, a new account, a collection — and see the typical point impact for your score tier plus the recovery timeline. Open the FICO Impact →

Overtime Pay

Time-and-a-half and double-time math under FLSA rules: your overtime rate, weekly gross with overtime, and what each extra hour is really worth. Open the Overtime Pay →

Break-Even

The classic startup question answered exactly: units and revenue to break even from fixed costs, price and variable cost — plus contribution margin and margin of safety. Open the Break-Even →

Freelance Rate

Converts your target income into the hourly and day rate you must actually charge, after self-employment tax, benefits you now buy yourself, overhead and unbillable time. Open the Freelance Rate →

Side Hustle

Gross gig revenue in, true profit out: expenses, platform fees, mileage and self-employment tax subtracted, ending with the number that matters — your real hourly wage. Open the Side Hustle →

Salary vs Inflation

Walks a salary between any two years in CPI terms and answers the raise question honestly: did your pay grow in real dollars, or just in nominal ones? Open the Salary vs Inflation →

Unemployment

Estimates your weekly unemployment insurance check from recent wages and state formulas, with each state's minimum/maximum caps and typical 26-week duration applied. Open the Unemployment →

How to Choose the Right Tool

Start with what hurts: if it's debt, the Debt Payoff and Credit Card Payoff Order calculators show the fastest way out, and the Balance Transfer calculator prices the 0% APR escape route. Borrowing? The Loan EMI calculator handles any fixed-rate loan. Building rather than paying down, use the Budget Planner, CD Interest and Down-Payment-style savings tools, and let the Inflation calculators translate everything into today's dollars. The credit tools — Credit Score Estimator and FICO Impact Simulator — help you understand the number lenders see before you apply for anything.

Frequently Asked Questions

Are these calculators a substitute for financial advice?

No. They compute standard, published formulas accurately, which is ideal for comparing scenarios — but a licensed advisor can weigh factors no calculator sees. Use the numbers as preparation, not prescription.

Are my financial details stored or transmitted?

No. Every calculation runs locally in your browser. Nothing you type — balances, income, debts — leaves your device.

How accurate are the credit score tools?

They model the publicly documented FICO factor weights (payment history 35%, utilization 30%, age 15%, mix 10%, new credit 10%). Actual scores vary by bureau and model version, so treat results as a realistic range, not a promise.

Do the loan calculators work for any currency?

Yes — the math of amortization is currency-agnostic. Dollar signs are used for display, but you can read the results in any currency you enter.

Explore More WiserWork Categories

WiserWork offers 423 free browser-based tools across 26 categories — all private, all free, no sign-up required.