# UtilityShift

> Free calculators and tools for everyday decisions


## Posts

- [15-Year vs 30-Year Mortgage: Which Saves You More?](https://utilityshift.com/guides/15-year-vs-30-year-mortgage/): 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](https://utilityshift.com/guides/how-to-calculate-hours-worked-and-overtime/): Step-by-step: total your hours, convert minutes to decimals for payroll, and calculate overtime at time and a half.
- [Markup vs Margin: The Pricing Mistake That Costs Small Businesses](https://utilityshift.com/guides/markup-vs-margin/): Markup and margin are not the same thing. Learn the difference, how to convert between them, and how to price for the margin you need.
- [How to Calculate Percentages in Your Head (5 Easy Tricks)](https://utilityshift.com/guides/how-to-calculate-percentages-in-your-head/): Five simple mental math tricks for tips, discounts and percentage changes, with examples you can use every day.
- [BMR vs TDEE: How Many Calories Do You Really Need?](https://utilityshift.com/guides/bmr-vs-tdee-calories-you-need/): The difference between BMR and TDEE, how each is calculated, and how to use them to set a realistic calorie target.
- [How Compound Interest Works (With Real Examples)](https://utilityshift.com/guides/how-compound-interest-works/): Compound interest explained in plain English, with examples showing why starting early matters more than almost anything else.
- [How Much House Can I Afford? The 28/36 Rule Explained](https://utilityshift.com/guides/how-much-house-can-i-afford/): How lenders decide how much you can borrow, how the 28/36 rule works, and a worked example showing what a $90,000 income can afford.

## Pages

- [Property Tax Calculator](https://utilityshift.com/tools/property-tax-calculator/): Estimate annual and monthly property tax from assessed value, tax rate (percent or mills) and exemptions.
- [Rent vs Buy Calculator](https://utilityshift.com/tools/rent-vs-buy-calculator/): Rent vs buy calculator: compare the full cost of renting and owning over time and find the year buying becomes cheaper.
- [Amortization Schedule Calculator](https://utilityshift.com/tools/amortization-schedule-calculator/): Free amortization schedule calculator. See monthly and yearly principal, interest and remaining balance for any fixed-rate loan.
- [Home Equity Calculator](https://utilityshift.com/tools/home-equity-calculator/): Calculate your home equity, equity percentage, loan-to-value ratio and estimated borrowing power for a home equity loan or HELOC.
- [Mortgage Refinance Calculator](https://utilityshift.com/tools/mortgage-refinance-calculator/): Mortgage refinance calculator: compare old vs new payments, total interest and the break-even month for your closing costs.
- [Closing Cost Calculator](https://utilityshift.com/tools/closing-cost-calculator/): Estimate home purchase closing costs and total cash to close from your price, loan amount, closing cost percentage and fixed fees.
- [PMI Calculator](https://utilityshift.com/tools/pmi-calculator/): Estimate your monthly PMI cost and when you can remove it at 80% or 78% loan-to-value, with total PMI paid.
- [Down Payment Calculator](https://utilityshift.com/tools/down-payment-calculator/): Calculate your down payment and loan amount from a home price and percentage, and how many months it will take to save for it.
- [Mortgage Affordability Calculator](https://utilityshift.com/tools/mortgage-affordability-calculator/): How much house can I afford? Estimate a home price from your income, debts, down payment and rate using the 28/36 rule.
- [Mortgage Calculator](https://utilityshift.com/tools/mortgage-calculator/): Estimate your monthly house payment, including principal, interest, property tax, insurance, PMI and HOA fees, and see how much interest you will pay over the life of the loan.
- [Tool Categories](https://utilityshift.com/category/): Browse UtilityShift tools by topic.
- [All Free Tools](https://utilityshift.com/tools/): Every UtilityShift tool is free, works instantly in your browser and needs no account.
- [Final Grade Calculator](https://utilityshift.com/tools/grade-calculator/): Find out what score you need on your final exam to reach the course grade you want, based on your current grade and how much the final is worth.
- [How Long Will My Savings Last? Calculator](https://utilityshift.com/tools/how-long-will-my-savings-last/): Find out how long your savings or retirement nest egg will last when you withdraw a set amount each month, including investment growth and rising withdrawals for inflation.
- [Student Loan Payoff Calculator](https://utilityshift.com/tools/student-loan-payoff-calculator/): See how long it will take to pay off your student loans, how much interest you will pay, and how much time and money extra payments can save.
- [ROI Calculator](https://utilityshift.com/tools/roi-calculator/): Calculate the return on investment (ROI) of any project, purchase or investment, plus the annualized return so you can compare options held for different lengths of time.
- [Disclaimer](https://utilityshift.com/disclaimer/): The calculators, tools and guides on UtilityShift are provided for general information, education and planning purposes.
- [Terms of Use](https://utilityshift.com/terms/): By using utilityshift.com you agree to these terms. If you do not agree, please do not use the site.
- [Privacy Policy](https://utilityshift.com/privacy/): This privacy policy explains what information UtilityShift ("we", "us") collects when you use utilityshift.com, how it is used and the choices you have.
- [Contact UtilityShift](https://utilityshift.com/contact/): Found a calculation that looks wrong, have an idea for a new tool, or a question about how something works?
- [About UtilityShift](https://utilityshift.com/about/): UtilityShift is a free collection of calculators and planning tools for the everyday questions that deserve a straight answer: how much house you can afford, when a debt will be paid off, how many calories you need, how many business days are left before a deadline.
- [Guides](https://utilityshift.com/guides/)
- [Free Calculators & Tools for Everyday Decisions](https://utilityshift.com/): Free calculators and planners for money, health, work and everyday life.
- [Free Business Calculators](https://utilityshift.com/category/business/): Run the numbers behind a small business: pricing and margins, break-even sales, staffing costs, inventory and the customer metrics that drive growth, plus a free invoice generator.
- [Free Converters & Everyday Calculators](https://utilityshift.com/category/converters/): Quick, accurate answers to everyday number questions: convert units, work out percentages and discounts, split a bill, count the days between dates, and handle fractions, ratios, averages and more.
- [Free Work & Planning Tools](https://utilityshift.com/category/planning/): Get a clearer view of your time.
- [Free Health & Fitness Calculators](https://utilityshift.com/category/fitness/): Understand the numbers behind your health and training. These calculators use well-established formulas, such as Mifflin-St Jeor for calorie needs and the U.S.
- [Free Finance Calculators](https://utilityshift.com/category/finance/): Make money decisions with real numbers.
- [Free Invoice Generator](https://utilityshift.com/tools/simple-invoice-generator/): Free invoice generator: create a professional invoice with line items, tax and discount, then print or save as PDF.
- [Customer Acquisition Cost (CAC) Calculator](https://utilityshift.com/tools/cac-calculator/): CAC calculator: customer acquisition cost from marketing and sales spend, plus the payback period.
- [Churn Rate Calculator](https://utilityshift.com/tools/churn-rate-calculator/): Churn rate calculator: customer churn and retention for a period, with annualized churn and average customer lifetime.
- [Customer Lifetime Value Calculator](https://utilityshift.com/tools/customer-lifetime-value/): Customer lifetime value calculator: CLV from order value, purchase frequency, lifespan and margin, with the CLV:CAC ratio.
- [EOQ Calculator (Economic Order Quantity)](https://utilityshift.com/tools/economic-order-quantity/): EOQ calculator: economic order quantity, orders per year and total ordering and holding cost.
- [Reorder Point Calculator](https://utilityshift.com/tools/reorder-point-calculator/): Reorder point calculator: when to reorder from daily usage, lead time and safety stock, with an optional safety stock estimate.
- [Inventory Turnover Calculator](https://utilityshift.com/tools/inventory-turnover-calculator/): Inventory turnover calculator: turnover ratio and days in inventory from cost of goods sold and average inventory.
- [Depreciation Calculator](https://utilityshift.com/tools/depreciation-calculator/): Depreciation calculator: straight-line and double-declining balance depreciation with a yearly schedule and book value.
- [Employee Cost Calculator](https://utilityshift.com/tools/employee-cost-calculator/): Employee cost calculator: total cost of an employee including payroll taxes, benefits and overhead, per year and per hour.
- [Commission Calculator](https://utilityshift.com/tools/commission-calculator/): Commission calculator: flat or tiered sales commission and total pay with base salary.
- [Break-Even Calculator](https://utilityshift.com/tools/break-even-calculator/): Break-even calculator: units and revenue needed to cover fixed and variable costs, and sales for a profit target.
- [Markup Calculator](https://utilityshift.com/tools/markup-calculator/): Markup calculator: selling price from cost and markup %, profit per unit and the equivalent profit margin.
- [Profit Margin Calculator](https://utilityshift.com/tools/profit-margin-calculator/): Profit margin calculator: gross, operating and net margin from revenue and costs, plus the price for a target margin.
- [Unix Timestamp Converter](https://utilityshift.com/tools/timestamp-converter/): Unix timestamp converter: epoch seconds or milliseconds to UTC and local date, and dates back to timestamps.
- [Hex to RGB Color Converter](https://utilityshift.com/tools/hex-to-rgb/): Hex to RGB converter: convert hex color codes to RGB and HSL and back, with a color preview and CSS values.
- [Password Generator](https://utilityshift.com/tools/password-generator/): Secure password generator: random passwords and passphrases created in your browser, with length, symbols and strength estimate.
- [Data Storage Converter](https://utilityshift.com/tools/data-storage-converter/): Data storage converter: bytes, KB, MB, GB and TB in decimal and binary units, plus download time at your internet speed.
- [Roman Numeral Converter](https://utilityshift.com/tools/roman-numeral-converter/): Roman numeral converter: numbers to Roman numerals and back (1 to 3,999), with the breakdown explained.
- [Average Calculator](https://utilityshift.com/tools/average-calculator/): Average calculator: mean, median, mode, range, sum, count and standard deviation for a list of numbers.
- [Ratio Calculator](https://utilityshift.com/tools/ratio-calculator/): Ratio calculator: simplify ratios and solve proportions A:B = C:D for a missing value.
- [Fraction to Decimal Converter](https://utilityshift.com/tools/fraction-to-decimal/): Fraction to decimal converter that also converts decimals to fractions and simplifies fractions to lowest terms.
- [Time Calculator](https://utilityshift.com/tools/time-calculator/): Time calculator: add and subtract hours, minutes and seconds, total durations, or find a clock time before or after.
- [Date Difference Calculator](https://utilityshift.com/tools/date-difference-calculator/): Date difference calculator: days, weeks, months and weekdays between two dates, or add/subtract days from a date.
- [Age Calculator](https://utilityshift.com/tools/age-calculator/): Age calculator: exact age in years, months and days, total days lived and days until your next birthday.
- [Tip Calculator](https://utilityshift.com/tools/tip-calculator/): Tip calculator: tip amount, total and per-person split for any bill and tip percentage, with round-up option.
- [Discount Calculator](https://utilityshift.com/tools/discount-calculator/): Discount calculator: sale price and savings from a percentage off, extra stacked discounts and sales tax.
- [Percentage Difference Calculator](https://utilityshift.com/tools/percentage-difference-calculator/): Percentage difference calculator: compare two values using their average, with the formula explained.
- [Percentage Calculator](https://utilityshift.com/tools/percentage-calculator/): Percentage calculator: X% of Y, X is what percent of Y, and percentage increase or decrease between two numbers.
- [Unit Converter](https://utilityshift.com/tools/unit-converter/): Free unit converter: length, weight, temperature, volume, area, speed, pressure and angle, metric and US units.
- [Habit Tracker](https://utilityshift.com/tools/habit-tracker-builder/): Free online habit tracker: a weekly grid for up to eight habits with completion score and streaks, saved privately in your browser.
- [Priority Matrix (Eisenhower)](https://utilityshift.com/tools/priority-sorter/): Eisenhower Matrix tool: sort tasks into do now, schedule, delegate and drop by urgency and importance.
- [Pomodoro Planner](https://utilityshift.com/tools/pomodoro-calculator/): Pomodoro planner: how many 25-minute focus sessions fit your time, with a timed schedule of breaks.
- [Meeting Cost Calculator](https://utilityshift.com/tools/meeting-cost-calculator/): Meeting cost calculator: the salary cost of a meeting per session and per year from attendees, hourly rates and length.
- [Time Zone Converter](https://utilityshift.com/tools/time-zone-converter/): Time zone converter with automatic daylight saving time. Convert a time between cities and see it across major time zones.
- [Deadline Calculator](https://utilityshift.com/tools/deadline-calculator/): Deadline calculator: days, business days and weeks until a due date, and how much work per day you need to finish.
- [Business Days Calculator](https://utilityshift.com/tools/business-days-calculator/): Business days calculator: count weekdays between two dates excluding U.S. federal holidays, or add business days to a date.
- [Overtime Calculator](https://utilityshift.com/tools/overtime-calculator/): Overtime calculator: overtime rate, overtime pay and total gross pay with time-and-a-half or double time.
- [Time Card Calculator](https://utilityshift.com/tools/time-card-calculator/): Weekly time card calculator: total hours from daily shifts and breaks, overtime over 40 hours and gross pay.
- [Work Hours Calculator](https://utilityshift.com/tools/work-hours-calculator/): Work hours calculator: hours worked between two times minus breaks, in hours:minutes and decimal hours, with pay.
- [Sleep Calculator](https://utilityshift.com/tools/sleep-calculator/): Sleep calculator: best bedtimes for a wake-up time, or wake-up times for a bedtime, using 90-minute sleep cycles.
- [Heart Rate Zone Calculator](https://utilityshift.com/tools/heart-rate-calculator/): Heart rate zone calculator: maximum heart rate and five training zones by age, with the Karvonen heart rate reserve method.
- [Calories Burned Calculator](https://utilityshift.com/tools/calories-burned-calculator/): Calories burned calculator: estimate exercise calories for walking, running, cycling, swimming and more using MET values.
- [Running Pace Calculator](https://utilityshift.com/tools/running-pace-calculator/): Running pace calculator: pace per mile and km, speed and predicted race times from any distance and time.
- [One Rep Max Calculator](https://utilityshift.com/tools/one-rep-max-calculator/): One rep max calculator: estimate your 1RM from reps with the Epley and Brzycki formulas, plus a percentage chart for training.
- [Water Intake Calculator](https://utilityshift.com/tools/water-intake-calculator/): Water intake calculator: a daily hydration starting point from body weight and exercise, in ounces, liters and cups.
- [Ideal Weight Calculator](https://utilityshift.com/tools/ideal-weight-calculator/): Ideal weight calculator: Devine, Robinson, Miller and Hamwi formulas plus the healthy BMI weight range for your height.
- [Body Fat Calculator](https://utilityshift.com/tools/body-fat-calculator/): Body fat calculator using the U.S. Navy tape-measure method: body fat %, fat mass, lean body mass and category.
- [Calorie Deficit Calculator](https://utilityshift.com/tools/calorie-deficit-calculator/): Calorie deficit calculator: estimated weight loss from a daily deficit and time to reach your goal weight.
- [Protein Intake Calculator](https://utilityshift.com/tools/protein-intake-calculator/): Protein calculator: daily protein needs in grams from body weight, activity and goal, with per-meal targets.
- [Macro Calculator](https://utilityshift.com/tools/macro-calculator/): Macro calculator: convert daily calories into grams of protein, carbs and fat with preset or custom ratios.
- [Calorie Calculator](https://utilityshift.com/tools/calorie-calculator/): Calorie calculator: daily calories to maintain, lose or gain weight, based on Mifflin-St Jeor BMR and your activity level.
- [TDEE Calculator](https://utilityshift.com/tools/tdee-calculator/): TDEE calculator: estimate total daily calories burned from BMR and activity level, in US or metric units.
- [BMR Calculator](https://utilityshift.com/tools/bmr-calculator/): BMR calculator using the Mifflin-St Jeor equation. Estimate the calories your body burns at rest, in US or metric units.
- [BMI Calculator](https://utilityshift.com/tools/bmi-calculator/): BMI calculator for adults in pounds and feet or kg and cm. See your BMI, category and healthy weight range for your height.
- [Subscription Cost Calculator](https://utilityshift.com/tools/subscription-cost-tracker/): Subscription cost calculator: total your monthly and yearly subscriptions and see the true annual cost.
- [Fuel Cost Calculator](https://utilityshift.com/tools/fuel-cost-calculator/): Fuel cost calculator for road trips: fuel needed and total cost in MPG or L/100 km, with cost per person.
- [Rental Yield Calculator](https://utilityshift.com/tools/rental-yield-calculator/): Rental yield calculator: gross yield, net yield and cash-on-cash return from price, rent, expenses and vacancy.
- [Sales Tax Calculator](https://utilityshift.com/tools/sales-tax-calculator/): Sales tax calculator: add tax to a price or remove tax from a total to find the pre-tax price.
- [Salary to Hourly Calculator](https://utilityshift.com/tools/salary-to-hourly-calculator/): Salary to hourly calculator: hourly rate from annual salary, plus your effective rate after time off and extra hours.
- [Hourly to Salary Calculator](https://utilityshift.com/tools/hourly-to-salary-calculator/): Hourly to salary calculator: convert hourly pay to annual, monthly, biweekly and weekly income with overtime and unpaid weeks.
- [50/30/20 Budget Calculator](https://utilityshift.com/tools/budget-breakdown-tool/): 50/30/20 budget calculator: see your needs, wants and savings targets and compare them with your actual spending.
- [Monthly Budget Planner](https://utilityshift.com/tools/budget-planner-tool/): Free monthly budget planner: compare take-home income with expenses by category and see what is left to save.
- [Net Worth Calculator](https://utilityshift.com/tools/net-worth-calculator/): Net worth calculator: total assets minus total liabilities, with a breakdown of what you own and owe.
- [Inflation Calculator](https://utilityshift.com/tools/inflation-impact-calculator/): Inflation calculator: future purchasing power of your money and how much prices rise at any inflation rate.
- [Rule of 72 Calculator](https://utilityshift.com/tools/rule-of-72-calculator/): Rule of 72 calculator: years to double your money at any interest rate, or the rate needed to double in a target time.
- [Dividend Calculator](https://utilityshift.com/tools/dividend-calculator/): Dividend calculator: annual dividend income, yield and the effect of reinvesting dividends (DRIP) over time.
- [Investment Return Calculator](https://utilityshift.com/tools/investment-return-calculator/): Investment return calculator: project future value with contributions, or calculate total return and CAGR from start and end values.
- [College Savings Calculator](https://utilityshift.com/tools/college-savings-calculator/): College savings calculator: projected 529 or savings balance by enrollment and how it compares with future college costs.
- [Retirement Savings Calculator](https://utilityshift.com/tools/retirement-savings-calculator/): Retirement calculator: projected savings at retirement, 4% withdrawal income, and the value in today's dollars.
- [Emergency Fund Calculator](https://utilityshift.com/tools/emergency-fund-calculator/): Emergency fund calculator: target amount from essential expenses, how much more you need and how long it takes to save.
- [Savings Goal Calculator](https://utilityshift.com/tools/savings-goal-calculator/): Savings goal calculator: monthly savings needed to reach a target by a date, or how long it takes, with interest.
- [Compound Interest Calculator](https://utilityshift.com/tools/compound-interest-calculator/): Compound interest calculator with monthly contributions. See future value, total contributions and interest year by year.
- [Simple Interest Calculator](https://utilityshift.com/tools/simple-interest-calculator/): Simple interest calculator: interest = principal × rate × time, for days, months or years.
- [APY Calculator](https://utilityshift.com/tools/apy-calculator/): APY calculator: convert an interest rate (APR) to annual percentage yield for daily, monthly or quarterly compounding.
- [APR Calculator](https://utilityshift.com/tools/apr-calculator/): APR calculator: find the true annual percentage rate of a loan including origination and other fees.
- [Credit Utilization Calculator](https://utilityshift.com/tools/credit-utilization-calculator/): Credit utilization calculator: overall and per-card utilization, and how much to pay to get under 30% or 10%.
- [Debt-to-Income Ratio Calculator](https://utilityshift.com/tools/debt-to-income-calculator/): Debt-to-income ratio calculator: front-end and back-end DTI from your income and monthly debts, with lender guidelines.
- [Debt Avalanche Calculator](https://utilityshift.com/tools/debt-avalanche-calculator/): Debt avalanche calculator: payoff order, debt-free date and total interest when you pay the highest interest rate first.
- [Debt Snowball Calculator](https://utilityshift.com/tools/debt-snowball-calculator/): Debt snowball calculator: payoff order, debt-free date and total interest when you pay the smallest balance first.
- [Credit Card Payoff Calculator](https://utilityshift.com/tools/credit-card-payoff-calculator/): Credit card payoff calculator: time to pay off a balance and total interest, or the payment needed to be debt-free by a set date.
- [Loan Payoff Calculator](https://utilityshift.com/tools/loan-payoff-calculator/): Loan payoff calculator: see your payoff date and interest savings from extra monthly payments on any loan.
- [Car Lease Calculator](https://utilityshift.com/tools/lease-calculator/): Car lease calculator: monthly payment from price, residual value, money factor or APR, term, down payment and sales tax.
- [Auto Loan Calculator](https://utilityshift.com/tools/auto-loan-calculator/): Auto loan calculator with sales tax, fees, down payment and trade-in. See your monthly car payment and total interest.
- [Loan Calculator](https://utilityshift.com/tools/loan-calculator/): Free loan calculator: monthly payment, total interest and total cost for any fixed-rate personal, auto or consolidation loan.


[comment]: # (Generated by Hostinger Tools Plugin)