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Clear answers for everyday decisions
Free calculators and planners for money, health, work and everyday life. Every tool shows its formula, a worked example and its limits, so you understand the answer.
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Five categories, each with tools built around the questions people actually ask.
Money & FinanceMortgages, loans, debt, saving, investing and budgeting.42 tools →Health & FitnessBMI, calories, macros, body fat, running and sleep.15 tools →Work & PlanningHours, pay, deadlines, time zones and focus.10 tools →Everyday & ConvertersUnits, percentages, dates, tips and more.17 tools →BusinessMargins, pricing, inventory and customer metrics.14 tools →
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Mortgage CalculatorMonthly payment with taxes, insurance and PMI.Compound Interest CalculatorGrowth with compounding and monthly deposits.Debt Avalanche CalculatorPay the highest interest rate first.Loan CalculatorPayment and interest on any fixed-rate loan.BMI CalculatorBody mass index and healthy range.Calorie CalculatorCalories to maintain, lose or gain.TDEE CalculatorTotal daily calories burned.Percentage CalculatorPercent of, percent change and more.Unit ConverterLength, weight, temperature and more.Age CalculatorExact age in years, months, days.Time Zone ConverterConvert times between cities.Profit Margin CalculatorGross, operating and net margin.
Why UtilityShift
Useful tools. Nothing in the way.
Free means free
No premium tiers, no paywalls and no account to create. Open a tool and use it.
Private by design
Calculations run in your browser. The numbers you type are not sent to or stored on our servers.
Understand the answer
Every tool explains its formula, includes a worked example and is honest about its limits.
Guides
Learn the numbers behind the decisions
Plain-English guides that pair with our calculators.
- APR vs APY: What's the Difference and Why It Matters
APR and APY look similar but measure different things. Learn which to compare for loans and which for savings. - 15-Year vs 30-Year Mortgage: Which Saves You More?
Compare 15- and 30-year mortgages side by side: monthly payment, total interest and when each makes sense. - How to Calculate Hours Worked and Overtime Pay
Step-by-step: total your hours, convert minutes to decimals for payroll, and calculate overtime at time and a half.
UtilityShift tools provide estimates for education and planning, not professional financial, medical, tax or legal advice. See our disclaimer.