Every UtilityShift tool is free, works instantly in your browser and needs no account. Each one explains its formula, walks through a worked example and points out its limits, so you understand the answer as well as get it.
Money & Finance 42 tools · View category
Mortgage CalculatorMonthly payment with taxes, insurance and PMI.Mortgage Affordability CalculatorHow much house your income can support.Down Payment CalculatorCash needed upfront and time to save it.PMI CalculatorPMI cost and when it can be removed.Closing Cost CalculatorUpfront fees and total cash to close.Mortgage Refinance CalculatorSavings and break-even of a refinance.Home Equity CalculatorYour equity, LTV and borrowing power.Amortization Schedule CalculatorPrincipal and interest, payment by payment.Rent vs Buy CalculatorWhen buying becomes cheaper than renting.Property Tax CalculatorYearly and monthly property tax.Loan CalculatorPayment and interest on any fixed-rate loan.Auto Loan CalculatorCar payment with tax, fees and trade-in.Car Lease CalculatorMonthly lease payment from residual and money factor.Loan Payoff CalculatorTime and interest saved with extra payments.Credit Card Payoff CalculatorWhen your card will be paid off.Debt Snowball CalculatorPay the smallest balance first.Debt Avalanche CalculatorPay the highest interest rate first.Debt-to-Income Ratio CalculatorYour DTI ratio and what lenders think.Credit Utilization CalculatorCard utilization and how much to pay down.APR CalculatorTrue APR including loan fees.APY CalculatorAnnual yield from rate and compounding.Simple Interest CalculatorInterest = principal × rate × time.Compound Interest CalculatorGrowth with compounding and monthly deposits.Savings Goal CalculatorMonthly savings needed to hit a goal.Emergency Fund CalculatorHow big your safety net should be.Retirement Savings CalculatorNest egg and income at retirement.College Savings CalculatorCollege savings versus future costs.Investment Return CalculatorProjected growth and CAGR.Dividend CalculatorDividend income, yield and reinvesting.Rule of 72 CalculatorHow fast money doubles.Inflation CalculatorWhat inflation does to your money.Net Worth CalculatorAssets minus liabilities.Monthly Budget PlannerMonthly budget by category.50/30/20 Budget CalculatorCompare spending with 50/30/20.Hourly to Salary CalculatorHourly wage to yearly salary.Salary to Hourly CalculatorSalary to hourly and effective rate.Sales Tax CalculatorAdd or remove sales tax.Rental Yield CalculatorGross and net yield on a rental.Fuel Cost CalculatorFuel and cost for a trip.Subscription Cost CalculatorWhat your subscriptions cost a year.Student Loan Payoff CalculatorPayoff date and savings from extra payments.How Long Will My Savings Last?How long a nest egg lasts with withdrawals.
Health & Fitness 15 tools · View category
BMI CalculatorBody mass index and healthy range.BMR CalculatorCalories burned at rest.TDEE CalculatorTotal daily calories burned.Calorie CalculatorCalories to maintain, lose or gain.Macro CalculatorProtein, carbs and fat in grams.Protein Intake CalculatorDaily protein by body weight.Calorie Deficit CalculatorWeight loss from a calorie deficit.Body Fat CalculatorBody fat % with the Navy method.Ideal Weight CalculatorIdeal weight by four formulas.Water Intake CalculatorDaily hydration starting point.One Rep Max CalculatorEstimate your 1RM from reps.Running Pace CalculatorPace, speed and race predictions.Calories Burned CalculatorCalories burned by activity.Heart Rate Zone CalculatorMax heart rate and training zones.Sleep CalculatorBedtimes based on sleep cycles.
Work & Planning 10 tools · View category
Work Hours CalculatorHours worked between two times.Time Card CalculatorWeekly hours, overtime and pay.Overtime CalculatorOvertime pay and total earnings.Business Days CalculatorWeekdays between dates, minus holidays.Deadline CalculatorDays left and daily pace needed.Time Zone ConverterConvert times between cities.Meeting Cost CalculatorWhat a meeting really costs.Pomodoro PlannerPlan focus sessions and breaks.Priority Matrix (Eisenhower)Eisenhower matrix for your tasks.Habit TrackerA weekly grid to track habits.
Everyday & Converters 17 tools · View category
Unit ConverterLength, weight, temperature and more.Percentage CalculatorPercent of, percent change and more.Percentage Difference CalculatorCompare two values in percent.Discount CalculatorSale price and savings.Tip CalculatorTip and per-person split.Age CalculatorExact age in years, months, days.Date Difference CalculatorDays between two dates.Time CalculatorAdd and subtract hours and minutes.Fraction to Decimal ConverterFractions, decimals and percents.Ratio CalculatorSimplify ratios and solve proportions.Average CalculatorMean, median, mode and range.Roman Numeral ConverterNumbers to Roman numerals and back.Data Storage ConverterBytes, MB, GB and download time.Password GeneratorStrong random passwords.Hex to RGB Color ConverterHex, RGB and HSL color codes.Unix Timestamp ConverterUnix time to dates and back.Final Grade CalculatorScore you need on the final exam.
Business 14 tools · View category
Profit Margin CalculatorGross, operating and net margin.Markup CalculatorPrice from cost and markup.Break-Even CalculatorUnits needed to cover costs.Commission CalculatorFlat or tiered sales commission.Employee Cost CalculatorTrue cost of an employee.Depreciation CalculatorStraight-line and declining balance.Inventory Turnover CalculatorTurnover and days in inventory.Reorder Point CalculatorWhen to reorder stock.EOQ Calculator (Economic Order Quantity)Best order size (EOQ).Customer Lifetime Value CalculatorLifetime value of a customer.Churn Rate CalculatorCustomer churn and retention.Customer Acquisition Cost (CAC) CalculatorCost to acquire a customer.Free Invoice GeneratorCreate and print an invoice.ROI CalculatorReturn on investment and annualized ROI.
No tools match your search. Try a simpler word, or suggest a new tool.