Everyday Money Calculators
Budgets, net worth, emergency funds, pay conversion, discounts, tax, tips and inflation.
Calculators
- Inflation Calculator
Purchasing power over time at an inflation rate you enter.
- Discount Calculator
Sale price after one discount or several stacked discounts, and the true combined percent off.
- Sales Tax Calculator
Add sales tax to a price, or back tax out of a tax-inclusive total.
- Tip Calculator
Tip on a bill and each person’s share, with pre-tax tipping and rounding options.
- Salary to Hourly Calculator
Convert gross pay between hourly, weekly, monthly and annual using your hours and weeks.
- Emergency Fund Calculator
Target for an emergency fund from essential expenses and months of coverage.
- Budget Calculator with Savings Rate
Monthly and annual budget with savings rate; mix weekly, monthly and annual items.
- Net Worth Calculator
Assets minus liabilities by category, saved on this device only if you choose.
Finding the right everyday money calculator
These tools cover quick checks at the register and slower questions about where your money goes.
- What will I pay at the checkout?
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Discount Calculator Sales Tax Calculator
Stacks discounts in order to show the real percentage off, adds sales tax from its component rates, or backs the tax out of a receipt total.
- How much does each person owe?
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Tip on the pre-tax or after-tax amount, split the bill, and round without losing a cent between shares.
- What is my salary per hour, or my hourly rate per year?
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Converts gross pay between hourly, weekly, bi-weekly, semi-monthly, monthly and annual figures using your hours and weeks worked.
- Where does my money go, and what am I worth?
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Budget Calculator with Savings Rate Net Worth Calculator
Monthly totals and a savings rate from income and expense lines of any frequency; assets minus liabilities by category. Figures are kept on your device only if you choose to save them.
- How big should my emergency fund be?
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A target from essential monthly costs and the months of cover you pick, and how long your saving rate takes to reach it.
- What will this cost in ten years?
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Future cost, or today’s buying power of a future sum, at an inflation rate you enter.
Have these to hand
- Recent statements for regular bills, including ones paid yearly or quarterly.
- Gross pay, hours per week and paid weeks per year.
Mistakes that change the answer
- Adding stacked discounts. 20% off and then 10% off is 28% off, not 30%.
- Treating bi-weekly and semi-monthly pay as the same: one is 26 paychecks a year, the other 24.
- Reading a converted salary as take-home pay. Taxes and deductions are not subtracted.
Related guides
- Common percentage mistakes and how to avoid them
Six percentage slips that produce confident wrong answers, from percentage points to negative starting values, each worked with example numbers you can check.
- Extra mortgage payments: what they save and what they cost
What extra principal payments save in interest and time, what they cost in cash you can’t easily get back, and how prepaying compares with investing, recasting and paying other debts first.
- Debt snowball vs. avalanche: which pays off debt faster?
The snowball, the avalanche and minimum payments compared on the same four debts: what each costs, where the interest difference comes from, why rolling payments over matters, and when a minimum payment never clears a balance.
- Nominal vs. real returns: adjusting savings for inflation
How to turn a nominal return into a real one, when subtracting inflation goes wrong, and how to show a 30-year savings projection in today’s dollars.
- Margin vs. markup: formulas, conversion chart and discounts
Margin and markup divide the same profit by different numbers. How to convert one to the other, set a price for a target margin, and work out what a discount really costs.
- APR vs. APY vs. interest rate: which number to compare
Which rate to compare when you borrow and when you save, what each one includes, and how to convert between them, with worked numbers you can rerun.