Free Calculators That Save You Real Money
See your mortgage payment, take-home pay, and 401(k) growth in seconds — 131 free tools built for the US, UK & Canada. No sign-up. No fees. Just answers.
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Every tool, organized by what it helps you with.
Finance
Mortgage, US salary tax, 401(k), sales tax and loans — personal finance calculators with American dollars and IRS-style numbers.
Health
BMI, calories, age and pregnancy due dates — simple, private health checks that run in your browser.
Math & Money
Percentages and discounts — everyday maths, solved in seconds.
Converters
Currency, length, weight, temperature and area — switch between metric and imperial units instantly.
AI & Media
Free AI audio, video and image editors: remove backgrounds, upscale photos, denoise voice recordings and design podcast covers — all in your browser.
Text Tools
Word counts, case changes and text cleanup — handy tools for students, writers and office work.
Everyday
Fuel costs, strong passwords, time zones, tips, GPA and sleep — small tools for daily life.
Developer Tools
Cron builders, regex testers and JSON formatters — free dev utilities that run entirely in your browser.
Business Tools
Overtime, commission, break-even, meeting costs, take-home pay, invoices and more — free tools for freelancers and small businesses.
Finance Tools
Loans, taxes, 401(k)s and rental money — US finance calculators that give real answers.
Mortgage Calculator
Estimate your monthly payment with principal, interest, taxes & insurance.
US Salary Tax Estimator
Estimate federal income tax and take-home pay from any US salary.
401(k) Retirement Calculator
Project your retirement savings with contributions and employer match.
Sales Tax Calculator
Add or strip sales tax at any US state rate in seconds.
Loan Calculator
Compare monthly payments and total interest on car or personal loans.
Compound Interest Calculator
See how your savings and investments grow with compounding over time.
Profit Margin Calculator
Compute profit margins and markups from cost or selling price.
Markup Calculator
Price your products: cost plus markup equals profit-ready pricing.
Discount Calculator
Sale prices and total savings from any percent-off deal.
Tip Calculator
Calculate tips and split the bill at any US restaurant.
Client Profitability Tracker
Track client profitability free: log revenue and hours per client, see true effective hourly rate ranked best to…
Freelance Contract Generator — Free, Signable PDF
Generate a freelance service agreement or NDA in minutes, then sign it right here. Free PDF download — no Bonsai…
Late Rent Fee Calculator
Calculate the maximum legal late rent fee for any of the 50 US states. Enter state, rent, and days late for an…
LLC Compliance Tracker
Free LLC compliance tracker: annual report deadlines, fees and filing links for all 50 states, plus countdowns and…
IRS Mileage Logbook
Free IRS mileage logbook: record business trips with date, route, purpose and odometer, auto-compute your…
Security Deposit Ledger
Free security deposit ledger for landlords: track deposits per tenant, log itemized move-out deductions, compute…
Subscription Audit
Audit subscriptions free: list recurring payments, see monthly and annual burn, cost-per-day rankings, cancel…
Percentage Calculator
Percentages, increases, decreases and ratios in a single click.
Unit Price Calculator
Compare up to 3 products by cost per unit — find the real cheapest deal.
Debt Payoff Calculator
Snowball vs avalanche: payoff order, months and interest for your debts.
Freelance Hourly Rate Calculator
Turn a target salary into the hourly rate that covers expenses and taxes.
Everyday Tools
Safety, privacy, home and documents — small tools for daily life.
Age Calculator
Calculate exact age in years, months and days from any birth date.
Fuel Cost Calculator
Estimate gas costs for any road trip from MPG and fuel price.
Time Duration Calculator
Find hours and minutes between any two times.
GPA Calculator
Compute semester GPA from grades and credit hours.
Sleep Cycle Calculator
Find the best bedtime or wake-up time by full sleep cycles.
Data Broker Opt-Out Kit
DIY: Opt out of 15 major data brokers yourself — direct removal links, a ready-made request-letter generator, and…
Sign PDF Free — Electronic Signature Online
Sign any PDF in your browser: draw, type or upload your signature and place it on the document. Free, unlimited…
Fake File Detector
Drop any suspicious file — invoice.pdf.exe, anyone? — and see its real file type from magic bytes, plus…
Fire Escape Plan Maker
Draw your home's floor plan on a grid, mark two escape routes per room plus an outside meeting point, then print a…
Freezer Inventory Tracker
Free freezer inventory tracker: log everything you freeze, get USDA-based use-by dates, auto-flag items to use…
Home Inventory — Free List for Insurance
Catalog your belongings room-by-room with photos and values, saved privately in your browser — then print a clean…
Kid Photo Safety Check
Check a photo of your child before posting: detects hidden GPS location data, counts faces, and walks you through…
Medication Tracker
Free printable medication tracker: build a large-print daily pill schedule, a weekly checklist grid, and refill…
Move-In Inspection Checklist
Free rental move-in and move-out inspection checklist: room-by-room conditions, photos per item, and a printable…
Moving Box QR Labels — Free Printable
Create printable QR labels for your moving boxes — scan any box with a phone camera to see what's inside. Free, no…
Overshare Checker
Paste text before you post: Overshare Checker finds emails, phone numbers, SSNs, credit cards, API keys and…
PDF Bates Stamper
Stamp sequential Bates numbers on every page of a PDF in your browser. Custom prefix, start number and position —…
PDF Booklet Maker
Turn any PDF into a print-ready booklet: pages reordered into saddle-stitch signatures, 2-up, padded to multiples…
Compress PDF — Shrink PDF Size Free, No Upload
Reduce PDF file size in your browser. Perfect for scanned documents and image-heavy PDFs — free, unlimited…
PDF Link Extractor
Extract every hyperlink and URL from a PDF in seconds. Clean, deduped list with copy-all and CSV download — free…
PDF Metadata Editor
View and edit hidden PDF properties — title, author, subject, keywords — in your browser. Fix 'Untitled' docs or…
Social Privacy Checkup
Lock down Instagram, Facebook, TikTok, X, Snapchat and LinkedIn with step-by-step privacy checklists. Track…
Stain Removal Guide
Free interactive stain removal guide: pick from 40 common stains and your fabric type for step-by-step removal…
WhatsApp Chat Analyzer — Free Chat Stats
Analyze any WhatsApp chat export (.txt) free: message stats, busiest hours, top words, emojis and per-person…
WhatsApp Wrapped — Year in Review
Your WhatsApp chats, Wrapped-style: story cards with awards for most messages, longest streak, night owl, emoji…
Text Tools
Word counts, PDF helpers, email tools and writing utilities.
Word Counter
Count words, characters, sentences and reading time of any text.
Character Counter
Count letters and characters, with or without spaces.
Remove Duplicate Lines
Clean lists by deleting duplicate lines in one click.
Text to Slug
Turn headlines into clean, SEO-friendly URL slugs.
Certificate Mail Merge
Turn one certificate PDF template into hundreds of personalized certificates. Upload a CSV, position fields with…
Voice Dictation — Free Speech-to-Text Online
Dictate live into text with free browser speech recognition. 8 languages, live results, copy or download notes…
Email Button Generator
Build bulletproof email CTA buttons free — VML fallback for Outlook plus styled anchor, live preview, custom…
Email Newsletter Composer
Write Markdown, get email-client-safe HTML — table-based layouts with inline CSS for Outlook and Gmail. 3…
Hashtag Generator — Instagram & TikTok Hashtags
Hashtag Generator — curated hashtag sets for Instagram, TikTok, X, YouTube and LinkedIn. Click chips to copy…
Mojibake Fixer
Paste garbled text (Café, broken CSV exports) and get readable text back — auto-detects the wrong encoding, tries…
PasteFix — Fix Broken PDF Copy-Paste
Paste text copied from a PDF and PasteFix instantly rejoins wrapped lines, removes hyphenation and restores…
Script Beat Planner
Plan retention-proof video scripts free — enter topic and length, get a timed beat-sheet with per-section word…
Subtitle Editor — Free SRT Maker & Caption Timer
Free subtitle editor: create and time SRT captions in your browser with live preview, bulk timing shifts and…
Text to Speech Reader — Free Read-Aloud TTS
Read any text aloud for free with natural browser voices. Adjust speed, pitch and voice, follow live sentence…
WhatsApp Chat to PDF — Free Chat Book Maker
Turn a WhatsApp chat export (.txt) into a beautiful printable chat book. Filter by date, align your own messages…
Converters
Units, currencies, time zones and file-format conversions.
Currency Converter
Convert between USD, EUR, GBP and more with built-in rates.
Length Converter
Miles, km, feet, inches, meters — swap metric and imperial instantly.
Weight Converter
Pounds, kilograms, grams and ounces, converted in seconds.
Temperature Converter
Celsius, Fahrenheit and Kelvin with a single tap.
Area Converter
Square feet, acres, hectares and square meters, made easy.
Time Zone Converter
Convert times between US time zones and the rest of the world.
Unix Timestamp Converter
Convert epoch timestamps to dates — and dates back to timestamps.
Case Converter
UPPERCASE, lowercase, Title Case and more — instantly.
HEIC to JPG/PNG Converter
Convert HEIC/HEIF photos from iPhone to JPG or PNG right in your browser. Free, no signup, batch support — your…
PDF to PNG Converter — Free, Unlimited, Private
Convert PDF pages to PNG or JPG images in your browser. Unlimited pages, no upload, no daily caps — a free…
Video to GIF Maker — Free MP4 to GIF Converter
Turn short video clips into animated GIFs free in your browser: set start time, duration, frame rate and size…
AI & Media Tools
AI audio, video and image editors — free, private, right in your browser.
AI Image Generator
Generate AI images free from text prompts — no signup. Photorealistic, anime and art styles, 3 sizes, one-click…
AI Tell Highlighter
Paste writing to spot AI-style patterns: highlights overused phrases, em-dash overuse and hedgy qualifiers, with…
AI Audio Noise Remover — Free Voice Denoiser
Remove background noise from voice recordings with AI — free, unlimited, private. A free alternative to Krisp's…
Audio Speed Changer — Faster or Slower Audio
Speed up or slow down any audio file free in your browser: preview at 0.5x–2.0x, then download as WAV. No signup —…
Audio Sync Fix — Fix Lip-Sync Drift | Free Online
Fix out-of-sync video audio in your browser. Slide the offset until lips match, A/B preview original vs fixed…
Audiobook Chapter Splitter
Split an audiobook into chapters in your browser: reads embedded M4B chapters or finds silence breaks, then…
Background Remover — Free, Unlimited, Private
Remove image backgrounds in your browser with AI. Unlimited, no watermark, photos never uploaded — a free…
Beat Tag Dropper
Drop your producer tag over any beat automatically: set the interval, fades and ducking, preview the protected…
Before/After Slider Generator
Build a draggable before/after image comparison slider for your website. Free embed-code generator — no plugins…
Cinemagraph Maker — Living Photos | Free Online
Turn any short video into a cinemagraph — a living photo with one moving region. Paint the mask, preview the loop…
Dialogue Analyzer
Paste a story chapter for a free dialogue report: dialogue-vs-narration ratio, speech-tag census, adverb check and…
Duplicate Photo Finder — Free Online (Private)
Find exact and near-duplicate photos right in your browser — free, no signup, unlimited scanning, your photos…
Face Blur — Blur Faces in Photos Automatically
Blur faces in photos automatically or draw your own boxes. Free, no signup, unlimited photos — your images never…
AI Image Upscaler — Free 4x Upscale, No Signup
Upscale images 2x–4x with AI in your browser. Free, unlimited, private — no Topaz subscription, no watermarks, no…
Karaoke Recorder
Upload a backing track, sing along with live mic monitoring, then mix your voice with the music and export one…
Lower Third Maker
Design broadcast-style lower thirds free — 5 presets, custom colors and fonts, safe-margin guides, transparent PNG…
Media Metadata Scrubber
Strip EXIF, GPS, IPTC and XMP metadata from photos and videos in one click. Batch scrubbing with before/after…
Meme Generator — Free Top & Bottom Text Memes
Meme Generator — make classic top-and-bottom-text memes in seconds. Pick a background, style your caption…
Party Mix Maker
Queue your songs, set crossfade times, preview the continuous mix and export one MP3 or WAV file. Free DJ-style…
Passport Photo Maker — Free ID Photos & Print
Make compliant passport & ID photos at home: country size presets, head-size guides, 4×6 print sheet. Free — no $9…
Photo Mosaic Maker
Build a photo mosaic in your browser: one master photo plus up to 60 tile photos, matched by color. Free hi-res…
Podcast Chapter Marker
Mark podcast chapters with one keypress on the waveform, then export YouTube chapters, Podcasting 2.0 JSON, or MP3…
Podcast Cover Maker
Design a spec-correct 3000×3000 podcast cover free — 6 templates, custom text, colors and fonts, 55px legibility…
QR Safety Scan
Decode any QR code safely in your browser — see the hidden link, spot quishing tricks like fake domains and IP…
Screenshot Redactor — Blur Sensitive Info
Black out or blur names, addresses and secrets in screenshots. Paste straight from your clipboard — free, private…
LongShot — Stitch Screenshots Into One Image
Combine multiple screenshots into one tall image. Reorder, set spacing and width, then download or copy — free…
Shorts Hook Generator
Get 20 scroll-stopping hooks for Shorts, TikTok and Reels from proven copywriting formulas — no AI. Pick a hook…
Silence Chapters — Split Audio by Pauses
Split podcasts and meetings into chapters in your browser. Detects silences, shows a pause map, exports clips as…
Stream Highlight Logger
Log stream highlights with one tap — big MARK button, M hotkey, running session timer, per-mark notes…
Subtitle Burner
Burn styled subtitles permanently into your video in your browser. Upload MP4 + SRT/VTT, style the captions…
YouTube Thumbnail Maker — Free 1280x720 Designer
YouTube Thumbnail Maker — design click-worthy 1280x720 thumbnails with bold text, shapes and your own images…
Timestamp Burner — Dashcam Date/Time Overlay
Burn date, time and running timecode onto your video, dashcam/CCTV style. Live preview, custom position and fonts…
Tiny Planet Maker
Turn a panorama into a tiny planet with stereographic projection. Free in-browser tool with rotation, zoom and…
YouTube Description Builder
Assemble a YouTube description with live SEO checks: 150-char above-fold preview, 5000-char meter, chapter…
Video Inventory — Metadata Spreadsheet
Audit up to 100 video files in your browser: duration, resolution and size in a sortable table with CSV export…
Video QC Checker
Scan your video for black frames, frozen frames, dead audio and delivery-spec issues before upload. Free…
Voice Recorder — Record, Trim & Download WAV
Record voice memos in your browser with a live waveform, trim the audio and download it as a WAV file. Free, no…
Voice-Over Ducking Mixer
Duck background music under your voice-over in the browser: adjustable depth, attack and release, live preview…
Watermark Cover-Up — Blur Marks on Your Photos
Cover watermarks on your own photos with blur, pixelate or clone-stamp. Free, unlimited, private — no…
Free YouTube Title Analyzer
Score any video title 0-100 with transparent checks: length, power words, numbers, brackets and more. No signup.
AI Prompt Generator
Build polished AI prompts from a structured form: task, context, tone and format — with copy button and presets.
Developer Tools
UUIDs, JWTs, Base64, URLs, cron, regex, JSON and passwords — free utilities for developers and DevOps, right in your browser.
Cron Expression Generator
Build cron schedules visually and see the next 5 run times with a plain-English description.
Online Regex Tester
Test regular expressions live with highlighted matches, capture groups and friendly error messages.
JSON Formatter Online
Validate, beautify and minify JSON with exact line-and-column error pinpointing.
UUID Generator Online Free
Generate bulk v1 and v4 UUIDs instantly with per-line copy — free, private, in your browser.
JWT Decoder Online
Decode any JWT header and payload 100% client-side — expiry warnings, nothing leaves your browser.
Base64 Encoder/Decoder Online
Encode and decode Base64 live both directions with full Unicode support and clear error messages.
URL Encoder/Decoder Online
Encode or decode URLs and components instantly — full-URL vs component modes explained.
Strong Password Generator Online
Create strong passwords or memorable passphrases with a strength meter — 100% client-side, never leaves your browser.
Business Tools
Overtime, commission, break-even, meeting costs, take-home pay, invoices and more — free tools for freelancers and small businesses.
Free Invoice Generator (No Signup)
Create professional invoices in your browser: line items, tax, live preview, print or save as PDF.
Business Name Generator
Generate 40+ unique business name ideas from your keyword, with domain and trademark checklists.
Overtime Pay Calculator
Calculate overtime pay at 1.5× or 2× rates with regular hours, OT hours and weekly totals.
Commission Calculator
Work out straight or tiered sales commission with per-tier breakdowns and effective rates.
Break-Even Calculator for Small Business
Find the units and revenue you need to cover costs — with contribution margin and a profit visual.
Meeting Cost Calculator
See what meetings really cost — live ticking timer plus the shocking annual projection.
Take-Home Pay Calculator by State
Estimate your net paycheck with 2026 federal, FICA and state tax for all 50 states.
Health Tools
BMI, calories and pregnancy due dates — quick private health checks.
Spotlight: Hear Any Text Read Aloud
The most-searched tool on ToolNest — paste any text, pick a voice, and listen.
Text to Speech Reader — Free Read-Aloud TTS
Read any text aloud for free with natural browser voices. Adjust speed, pitch and voice, follow live sentence…
Voice Dictation — Free Speech-to-Text Online
The reader in reverse: dictate live into text with free browser speech recognition, in 8 languages.
Word Counter
Count words, characters, sentences and reading time — know exactly how long your text takes to read aloud.
Writers proofread with it (ears catch the typos eyes miss), students revise with it, and anyone who would rather listen than stare uses it for long articles. It runs entirely in your browser with the voices already on your device — free, private, nothing to install. Try the Text to Speech Reader →
Why ToolNest?
Built to be the calculator site you actually bookmark.
Free Forever
Every calculator and tool on this site is completely free, with no sign-up, no trial periods and no locked features. What you see is what you get.
Private by Design
Everything runs in your browser. Your numbers, your text and your health details never leave your device — we do not collect or store them.
Built for the US, UK, Canada & Europe
Mortgages in dollars, IRS-style tax estimates, 401(k) matches, metric and imperial units — tools built around how people in the US, UK, Canada and Europe actually calculate things.
Frequently Asked Questions
What is ToolNest?
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Latest from the Blog
Plain-English guides behind the numbers.
How Mortgage Payments Work: P&I, Escrow and PMI Explained
What your monthly payment is really made of — and how to estimate it before you buy.
Federal Income Tax Brackets 2026: The Full Guide
Every 2026 bracket explained, with a worked example on an $80,000 salary.
401(k) Employer Match Explained: Don't Leave Free Money Behind
How matching works, what vesting means, and why the match is the best return you'll ever get.
Workbooks & Packs
The calculators are free forever. These downloadable workbooks and printable kits go further — complete systems you keep, from our Gumroad shop.
Monthly Budget Lite
A free one-sheet monthly budget with Budget, Actual and Difference columns, automatic totals, net savings and a 12-month annual view. Free download via Gumroad — Gumroad asks for your email at checkout so it can send you the file.
Quarterly Tax Set-Aside Worksheet
A free quarterly tax estimator for US freelancers: self-employment tax, a federal estimate and the monthly amount to set aside — all live formulas. Free download via Gumroad — Gumroad asks for your email at checkout so it can send you the file.
Subscription Audit Worksheet
Log every recurring charge, see its true monthly cost, and total what cancelling the ones you mark Cancel would save. Free download via Gumroad — Gumroad asks for your email at checkout so it can send you the file.
Business Mileage & Trip Logbook
A free trip logbook with mileage calculated from odometer readings, a per-client breakdown and an annual deduction estimate. Free download via Gumroad — Gumroad asks for your email at checkout so it can send you the file.
ToolNest Freelancer OS Bundle
The complete freelance system in one download: the income, invoice & tax tracker, the client CRM tracker, and 10 client documents — $87 bought separately.
Small Business Bookkeeping & P&L System
A complete bookkeeping workbook: chart of accounts, income and expense logs, an automatic monthly P&L, quarterly tax set-aside and bank reconciliation.
Data Broker Opt-Out Kit — Printable Workbook
The 45-page printable companion to our free opt-out tool: a record page for each of 15 brokers, ready-to-send request letters and a re-check schedule.
Visit the ToolNest Shop
All of our workbooks and packs in one place on Gumroad — secure checkout and instant download, and the files are yours forever.
Free downloads are delivered by Gumroad: it asks for your email at checkout so it can send you the file — there is no charge and no card needed. Paid packs are one-time purchases with no subscription, and every spreadsheet opens in Excel or Google Sheets.