Most money decisions come down to one number you can't quite work out in your head. What actually lands in my account after tax? How much does this loan really cost once interest is counted? If I put £200 a month away for twenty years, what's it worth — and what's it worth after inflation? Is paying an extra $100 a month on the credit card worth it, or am I better off leaving it?
These are all arithmetic problems, and the arithmetic isn't hard. It's just tedious, easy to get subtly wrong, and full of details — tax bands, compounding frequency, amortization, the difference between the rate you're quoted and the rate you pay — that most people reasonably don't want to memorize.
The money calculators on FWD Tools are 21 of these, all free and all running in your browser. Nothing you type is uploaded — which matters more here than in most tool categories, because the inputs are your salary, your debts, and your savings. There's no account, no export limit, and no product being recommended at the end of it.
Here's the whole set, grouped by the question each one answers.
Who these are for
- Anyone comparing a job offer, a loan, or a mortgage and needing a real number instead of a headline one.
- People setting up a budget or a savings plan for the first time, where the useful thing isn't precision — it's seeing how much the outcome moves when you change one input.
- Freelancers and the self-employed, who have to compute their own tax, invoicing, and income planning that an employer would otherwise handle.
- Anyone who has ever opened a spreadsheet to answer one question and closed it forty minutes later, still not sure the formula was right.
Take-home pay: what you actually get
The gap between a salary and a bank deposit is the most commonly misjudged number in personal finance, and it's country-specific — so these are separate tools with real tax rules in them, not one generic calculator with a "tax %" box.
- Paycheck Calculator (US) — Take-home pay after federal income tax, state income tax, Social Security, Medicare, 401(k) contributions and health insurance, with 2025 tax tables and all 50 states covered. Enter a salary or an hourly rate. The state selector matters more than people expect: the same salary in Texas and California produces meaningfully different paychecks.
- UK Take-Home Pay — Income tax, National Insurance, pension contributions and student loan repayments, with a switch between the 2026/27 and 2025/26 tax years and separate handling for Scotland, which has its own bands.
- Canada Take-Home Pay — 2026 federal and provincial tax, CPP and CPP2, EI, and RRSP deductions, broken down annually, monthly and bi-weekly.
- Australia Take-Home Pay — Income tax, the Medicare levy and surcharge, HECS/HELP repayments, and employer superannuation, on 2024–25 ATO figures, with weekly, fortnightly or monthly output.
- Salary to Hourly Converter — Convert between eight pay periods — hourly, daily, weekly, bi-weekly, semi-monthly, monthly, quarterly and annual — while adjusting hours per day, days per week and weeks per year. The tool to reach for when a contract quotes a day rate and you want to know whether it beats the salary you're on.
Debt: loans, mortgages and cards
- Mortgage Calculator — US monthly payments the honest way: principal and interest plus property tax, homeowners insurance, PMI and HOA dues, with a payoff date and a downloadable amortization schedule. The PITI total is usually the surprise — the payment your lender quotes is rarely the payment that leaves your account.
- EMI Calculator — Monthly EMI, total interest and a full amortization schedule for home, car, personal and education loans, with a donut chart splitting principal from interest. Seeing that split is the point: on a long loan, the interest slice is frequently larger than people assume.
- Loan Payoff Calculator — How long any personal, auto or student loan takes to clear, and what it costs in interest — plus the number that changes behavior, which is how much you save by adding an extra payment each month.
- Credit Card Payoff — Enter your balance, APR and either a monthly payment or a target number of months, and compare it against paying only the minimum. The minimum-payment comparison is the single most useful output in this entire set: it's the difference between clearing a card in two years and still carrying it in fifteen.
- Rent vs Buy Calculator — The one decision that deserves more than a monthly-payment comparison. It weighs rent growth against mortgage costs, property tax, insurance, HOA, maintenance, appreciation, closing costs, selling costs, and what your deposit would have earned if invested instead.
Saving and investing: what it grows to
- Compound Interest Calculator — Starting amount, monthly contributions, rate and duration in; future value, total invested, interest earned and an inflation-adjusted figure out. That last one is what most compound-interest tools leave off, and it's the one that tells you whether you're actually getting richer.
- Monthly Investment Calculator — The same growth question for daily, weekly or monthly contributions, in whichever of dozens of currencies you use, with two contribution amounts compared side by side, milestone markers, a Rule of 72 readout and CSV export. Comparing "£200 a month" against "£250 a month" over the same period is the most motivating chart in personal finance.
- SIP Calculator — Mutual fund SIP planning for India: monthly SIP, expected return, duration, annual step-up, an optional lump sum, and inflation — giving invested amount, gains and future value. The step-up field is the one worth playing with, since increasing the SIP by 10% a year changes the outcome dramatically.
- FD Calculator — Fixed deposit maturity and interest for any principal, rate and tenure, across monthly, quarterly, half-yearly and yearly compounding, with a year-wise growth table. A good demonstration of how much compounding frequency actually matters at the same headline rate.
- Retirement Calculator — Works both directions: the nest egg you'll need, the monthly contribution required to reach it, the inflation-adjusted value of what you're building, and the income a given withdrawal rate would produce. Multi-currency, so it isn't locked to one country's assumptions.
Everyday money
- Budget Planner — Splits take-home pay across needs, wants, savings and debt payoff using the 50/30/20 rule, with goal timelines. The value of a rule-based split is that it turns "am I overspending?" from a feeling into a comparison.
- Net Worth Calculator — Assets minus liabilities: cash, investments and property against loans and credit cards, with debt ratios and monthly CSV snapshots in multiple currencies. Net worth is the only number that captures both sides of the balance sheet, and tracking it monthly beats obsessing over any single account.
- Inflation Calculator — What £1,000 in 1990 is worth today, using real US CPI data back to 1913 from the BLS and UK RPI data back to 1948 from the ONS, with total inflation, average annual rate, purchasing power and a year-by-year chart. Genuine historical data, not a flat assumed percentage.
- Tip Calculator — Bill, tip percentage, number of people, per-person total, with 10–25% presets, a custom rate and round-up options. Small, but it settles the arithmetic at the end of a meal faster than anyone can do it politely in their head.
Tax on what you sell
- UK VAT Calculator — Add or remove VAT at 20%, 5%, 0% or a custom rate, showing net, VAT and gross at once, with the registration threshold for reference. "Remove VAT" is the direction people get wrong — you divide by 1.2, you don't subtract 20%, and those give different answers.
- GST Calculator — Add or remove GST for India (0%, 5%, 12%, 18%, 28% or custom) and Australia (10%), with India's CGST/SGST split shown for intra-state supply and IGST for inter-state, plus registration thresholds for both countries.
If invoicing is why you're here, the Freelance Invoice Generator and the Freelance Rate Calculator sit alongside these and handle the rest of the job.
Questions these answer in about a minute
- "Is this job offer actually better?" Run both salaries through the US paycheck or UK take-home calculator. A raise that crosses a tax band is worth less than it looks.
- "Should I overpay the mortgage or invest?" The interest saved in the Loan Payoff Calculator against the growth in the Compound Interest Calculator, at the same monthly amount.
- "Can I afford this house?" The Mortgage Calculator with tax, insurance and PMI included — then the Budget Planner to see what's left of the month.
- "How bad is this credit card?" The payoff calculator, compared against minimum payments. This one changes people's plans more often than any other tool here.
- "Is my salary keeping up?" Your salary from five years ago through the Inflation Calculator, against what you earn now.
- "What does day rate X equal as a salary?" The Salary to Hourly Converter, with your real weeks-per-year rather than 52.
- "Am I saving enough to retire?" The Retirement Calculator — and the inflation-adjusted figure, not the headline one.
How to get a useful answer, not just an answer
- Use your real numbers. Round figures produce round conclusions. Your actual rent, your actual APR.
- Change one input at a time. The insight is rarely the first result — it's what happens to the total when the rate moves 1%, or the term shortens by two years.
- Look at the inflation-adjusted figure where one is offered. A number thirty years out in today's money means something; the raw future value mostly doesn't.
- Assume worse returns and higher costs than you expect. A plan that still works at 5% growth instead of 8%, with maintenance and fees rounded up, is a plan you can rely on.
- Save the output. Several tools export CSV or a full schedule — worth keeping alongside the decision you made, so future-you knows what past-you assumed.
Frequently asked questions
Are these calculators free?
Yes — all 21, with no account, no sign-up, and no limits. Nothing is held back for a paid tier, and no financial product is being sold to you at the end.
Is my financial information sent anywhere?
No. Every calculation runs in your browser on your own device. Salaries, debts and balances are never uploaded, which is exactly why these run client-side rather than on a server.
How accurate are the tax calculators?
They use published tax rules for the years they state — 2025 tables for the US paycheck calculator, 2026/27 and 2025/26 for the UK, 2026 for Canada, and 2024–25 ATO figures for Australia. They're built for planning and comparison, and they can't know about your personal allowances, tax codes, benefits or one-off adjustments. Treat the result as a close estimate, not a payslip or a tax return.
Which currencies do they support?
Several — including the retirement, net worth and monthly investment calculators — let you pick from multiple currencies. Others are country-specific by design, because the tax rules they encode only apply in one place.
Why are there separate calculators for each country's take-home pay?
Because a generic "salary minus tax %" tool is wrong everywhere. National Insurance, CPP, the Medicare levy, state income tax and student loan thresholds all work differently, and modeling them properly requires separate rules per country.
Can I use these for business or client work?
Yes. They're free for commercial use with no attribution — plenty of people use the VAT, GST and invoice tools for exactly that. They aren't a substitute for an accountant on anything you'll file.
Do the results save when I come back?
These are calculators rather than trackers, so the intended flow is: get the number, act on it, keep the export if you need a record. For ongoing tracking, the Net Worth Calculator produces CSV snapshots you can keep month to month.
Are the tax years kept up to date?
They're updated as new tax years land, and several keep both the current and previous year available so you can compare. They don't all move at the same moment, though — each tool states the year it's using, so check that label before relying on a figure.
Start with the number that's bothering you
Nobody needs 21 calculators. Pick the question that's actually on your mind: your real pay with the paycheck or UK take-home calculator, your debt with the credit card payoff tool, or your future with the compound interest calculator. Five minutes and one honest set of inputs usually settles something you've been carrying around for weeks.
Browse the full set of free tools on FWD Tools — all browser-based, all free, and none of them asking you to sign up.
