Tooloolis691

💰 Finance Tools (108)

Money math you can check yourself instead of trusting a salesperson's slide deck: compound interest, loan costs, savings timelines, inflation impact and investment scenarios. All calculations run locally — your numbers never leave your browser.

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Finance

108 tools · all client-side

Percentage Calculator

Calculate percentages, increases, decreases & more

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Loan Calculator

Monthly payments, total interest & amortization

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Currency Converter

Live exchange rates for 170+ currencies

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Paycheck Calculator

Net salary after taxes — Germany, USA, UK

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Crypto Tax Calculator

Calculate crypto capital gains — FIFO or LIFO

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Mortgage Stress Test

Can you still afford your mortgage if rates rise?

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Decision Matrix

Weighted pros/cons for hard decisions

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Gross Margin Calculator

Revenue minus COGS over Revenue — business margin

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CAGR Calculator

Compound Annual Growth Rate — investments and revenue

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Mortgage Refinance Breakeven

When does refinance pay back?

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FIRE Calculator (Lean / Fat / Coast / Barista)

Modern FIRE math — 4 variants compared

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Currency Real Cost (Wise vs Revolut vs Bank)

Compare real fees, not just rates

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Salary True Total Compensation

Equity + benefits + PTO as € value

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Mortgage Stress Test 2026

What if rates rise to 8%?

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Real Inflation-Adjusted Calculator

$10K in 1990 = ? today

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Subscription Audit Stack

List all subs → find waste → save €

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True Cost of Car Ownership

Way more than monthly payment

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Cashback Multi-Card Optimizer

Best card per category — auto-routed

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Buy vs Lease Calculator

Cars / equipment / property — break-even

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Cost Per Use Calculator

€500 jacket worn 200× = €2.50/wear

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Job Change ROI Calculator

Salary + commute + tax + cost-of-living — full picture

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Pension Truth Calculator

Real purchasing power of your pension in 2050

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Affordability Reality Check

Can I really afford this? Stress-test with surprises

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Insurance Expected Value Calculator

Is the policy worth more than the premium?

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Education ROI Calculator

Is the degree worth it? Opportunity cost included

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Kids True Cost Calculator

Birth → 18: every realistic line item

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Marriage Cost Reality

Wedding + first 5 years joint finance

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Divorce Cost Reality

Legal fees + asset split + lifestyle change

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True Hourly Wage Calculator

Real $/hr after commute, work clothes, lunch, taxes

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Real Purchasing Power Converter

Beyond exchange rates — what $1 actually buys

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Tip Fairness Calculator

Tip based on living-wage gap, not arbitrary %

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Meeting True Cost Calculator

Multiply salaries × time — most meetings cost $1K+

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Time-Money Converter

Stop counting dollars — count life hours

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Client LTV by Acquisition Channel

Which channel brings the best lifetime value?

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Agency Hourly Rate Calculator

Costs + utilization + margin = real billable rate

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CAC Payback Period Calculator

Months to recover Customer Acquisition Cost

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Retainer vs Project Profitability

Which pricing model wins for your work?

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MQL → SQL Funnel Predictor

Forecast pipeline from top-of-funnel volume

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Agency Utilization Rate Calculator

Billable hours ÷ available — agency profit lever #1

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Invoice Generator

Create professional invoices and download as PDF

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Salary Negotiation Calculator

Calculate your market value and negotiation range

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Freelancer Price Calculator

Calculate your ideal hourly rate and project pricing

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Subscription Cost Tracker

Track all subscriptions — see yearly cost & per-day breakdown

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True Cost of Ownership

Calculate real cost of cars & homes including hidden expenses

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Side Hustle Income Calculator

Calculate side hustle income after taxes and break-even time

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Rent vs Buy Calculator

30-year simulation with inflation, interest & opportunity cost

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Income Tax Estimator

Estimate income tax for US, UK, DE, CA & more countries

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Resume vs Job Description Match Score

Paste both — see fit % + missing keywords

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Salary Negotiation Range Calculator

Anchor + target + walk-away — with phrasing scripts

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Interview Question Predictor

Top 20 likely questions per role + level

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Cover Letter Tone Analyzer

Confidence, formality, fit signals — paste & score

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LinkedIn Profile Quality Score

All 12 hidden ranking factors checked

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Career Pivot Feasibility Calculator

Time + money cost to switch fields

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Should I Quit My Job Today?

Composite score: burnout + savings + market + pivot cost

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Should I Take This Job Offer?

Salary + commute + tax + AI-risk + culture in 1 score

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Should I Buy This House?

Affordability + climate + resale + lifestyle composite

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Should I Have a Kid Now?

Age + finances + career + relationship + health composite

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Should I Move to This City?

Job + CoL + tax + climate + schools + politics composite

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Should I Go Self-Employed?

Income volatility + savings + insurance + family composite

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Crypto Tax-Loss Harvest Optimizer

Realize losses to offset gains — DE/US/UK rules

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Stablecoin Yield + Safety Score

USDT, USDC, DAI — yield × risk

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Self-Custody Migration Readiness

Are you ready to leave the exchange?

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NFT Real ROI Calculator (with Gas)

Floor + gas + platform fees = actual profit

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Crypto Portfolio Concentration Risk

How over-exposed are you to BTC/ETH/single coin?

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DeFi Yield vs Staking vs CeFi

APY × risk-adjusted across all flavors

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Phone Lifetime ROI: Keep or Upgrade?

Performance + battery + repair vs new

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Phone Repair vs Buy New

Screen, battery, back glass — when to repair

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Smartphone Trade-In Value Predictor

Depreciation curve per brand

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Flight Delay Compensation (EU 261 / DOT)

Cancelled or delayed? Up to €600 EU / $600 US

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VPN Worth-It Calculator

Privacy + streaming + security ROI score

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2FA Method Risk-Score

SMS vs TOTP vs Hardware-Key — security ranked

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Cap Rate Calculator Pro

NOI / value + market context

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BRRRR Strategy Calculator

Buy-Rehab-Rent-Refi-Repeat — money out?

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Rental Yield by City Comparator

Gross + net yield ranges across 30+ cities

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Estate Planning Readiness Check

Will + POA + Trust + Beneficiaries — what you need

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Inheritance Tax Multi-Region

US / DE / UK / FR estate tax compared

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Digital Estate Planner

Passwords + accounts + crypto when you die

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Income Percentile — US/DE/UK/Global

Where does your income rank?

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Net Worth by Age — Cohort Percentile

Are you ahead or behind your age cohort?

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Coffee Lifetime Cost — Truth

Career years × cups × opportunity cost

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Phone Pickup Life Cost

Daily pickups × time × salary × years

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Subscription Bleed Detector

Find phantom subscriptions costing thousands

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Doom Scroll Attention Cost

TikTok/IG hours → cognitive + earnings cost

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Unused Gym Membership Cost

Membership × usage% × years = real cost per visit

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Commute True Life Cost

Time × stress × salary × decade

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Real Hourly Wage Truth

Your job doesn't pay you what you think — true earnings per actual hour

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Streaming Services Total Burn

Add up every subscription you forgot to cancel — lifetime cost shock

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Boomer vs You — Wealth at Same Age

Your generation got robbed — here's the inflation-adjusted proof

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Lifetime Food Waste Cost

You throw away 6 tons of food = €18,000 — over your lifetime

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Wedding Cost vs Investment ROI

Your wedding could be a paid-off house — here's the math you avoid

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University Degree ROI by Major

Bachelor in Philosophy: 31-year payback. BWL: 12. Architecture: 19.

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Lottery Lifetime ROI

Spent €X, won €Y, expected return: -50%. Math vs hope.

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Office Return True Cost

€11,400/year hidden in your "free" commute — the WFH math

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Engagement Ring Stupid Tax

Bought €5K diamond, resale value €1.5K — the diamond cartel math

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Alcohol Lifetime Cost

Beer + wine + spirits — €, calories, liver-years lost over a lifetime

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Smoking Lifetime Cost

Cigarettes + life-years lost — the brutal compounding math

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Soda / Cola Lifetime Cost

€ + sugar + CO2 — what your daily soda does over your life

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Bottled Water Lifetime Cost

€ + plastic + CO2 — vs tap water in your country

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Takeout / Delivery Lifetime Cost

€19/day DoorDash → €805K lifetime — the convenience tax

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Wine Lifetime Cost

Bottles + glasses + fine drinking — what your wine habit actually costs

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Energy Drinks Lifetime Cost

Red Bull + Monster + Celsius — sugar, money, heart-rate cost

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Junk Food Lifetime Cost

Big Mac + chips + chocolate — calories, money, body-fat over decades

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Coffee Pods Lifetime Cost

Nespresso + Tassimo — €40k for coffee that wholesale costs €0.05/cup

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Online Shopping Returns Lifetime

Return shipping CO2 + plastic + fees — the hidden cost of "free" returns

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Cannabis Lifetime Cost

Joints + edibles + dispensary runs — money + lung-years over decades

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Net Worth Percentile By Age

Where you stand vs your age cohort — Fed SCF + EU wealth data

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Real Cost of Having a Baby

First 18 years — diapers + childcare + college + opportunity cost

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Real Cost of Pet Lifetime

Dog/cat lifetime — food + vet + insurance + the surprise vet bill

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