Free online finance calculators
Compound interest, loan, mortgage, currency, investment return, and break-even calculators.
Seven small-business calculators, each doing arithmetic in the page rather than posting your numbers to an API. Break-Even Calculator takes fixed costs, unit price and variable cost per unit, returns the unit and revenue point where contribution covers overhead, and adds what-if sliders that move price, variable cost and fixed cost by a percentage so you can see how fragile the answer is before committing to it. Profit Margin Calculator is a three-way solver: lock any two of revenue, cost and margin percentage and it computes the third, using margin on revenue rather than markup on cost, and it will line several products up side by side for comparison. VAT Calculator works the same way on net amount, rate and gross — lock two, get the third — and ships the current standard rates for all 27 EU member states plus a non-EU list, so you can switch from 25 percent in Denmark to 19 in Germany or 27 in Hungary without looking anything up. It opens seeded with 100 at 20 percent so the worked example is on screen before you type, and it will total a list of line items at one rate. Freelance Rate Calculator turns a target annual salary into an hourly and day rate by working back through billable hours per week, weeks off, a tax percentage and monthly business expenses, then shows low, mid and high market bands for eight roles as a sanity check. Meeting Cost Calculator runs a live timer against attendee count and hourly rates in ten currencies, and translates the total into coffees, lunches or months of a streaming subscription, which is a more persuasive number in a room than a euro figure. IBAN Validator implements the real MOD-97 check from ISO 13616: it moves the first four characters to the end, converts letters to digits, takes the remainder modulo 97 and requires 1, while separately checking the length and structure mask for 30 countries. It also formats, batch-checks a pasted list and generates structurally valid example IBANs for testing. Currency Converter is the deliberate exception and says so on its own face: the exchange rates are hardcoded reference values, not a live market feed, which is why it keeps working with no connection and why you must not settle an invoice from it.
7 tools · always free · no account needed
Break-Even Calculator
Calculate break-even point with interactive chart
Profit Margin Calculator
Calculate gross margin, markup, and reverse pricing
VAT Calculator
Calculate VAT amounts with common EU rate presets
Currency Converter
Convert between 30+ world currencies
Freelance Rate Calculator
Calculate your minimum hourly rate from salary goals
Meeting Cost Calculator
Calculate the real cost of a meeting in real-time
IBAN Validator
Validate, format, and generate IBAN numbers
How to choose the right tool
Work out whether you are pricing, checking or measuring. For pricing, Freelance Rate Calculator is the one that starts from what you need to earn rather than what you feel comfortable charging, and Profit Margin Calculator is where you find out what a discount actually costs — dropping a 40 percent margin by ten points removes a quarter of your gross profit, not a quarter of the price. Break-Even Calculator belongs before either of them if there is fixed overhead to cover, because it tells you the volume the price has to reach. For checking, VAT Calculator handles the net-gross direction people get backwards most often, and IBAN Validator catches a mistyped account number before a payment file goes out rather than after. Meeting Cost Calculator is for measuring a habit rather than a transaction — run it live in a recurring meeting once and the decision usually makes itself. Currency Converter is for rough orientation only; use your bank or a live rate source for anything you will actually be invoiced on.
Frequently asked questions
Are the exchange rates in the currency converter live?
No, and the tool states this directly beneath the result. The rates are fixed reference values stored in the page, and the small trend arrows are illustrative rather than market data. That design has one real benefit — the converter works offline and never sends a request anywhere — and one obvious cost: the numbers drift from the market the moment they are written. Use it for a rough sense of scale when reading a foreign price. For an invoice, a contract, an expense claim or anything a tax authority will see, take the rate from your bank or a dated central-bank reference.
Which VAT rates are built into the calculator?
The standard rate for each of the 27 EU member states, from Luxembourg at 17 percent through Germany at 19, France and Austria at 20, the Netherlands and Latvia at 21, Italy and Slovenia at 22, Ireland, Portugal and Poland at 23, Denmark, Croatia and Sweden at 25, Finland at 25.5 and Hungary at 27, plus a ten-entry non-EU list covering the UK at 20, Norway at 25, Switzerland at 8.1, Iceland at 24, Canada at 5, Australia, Japan and South Korea at 10, India at 18 and Singapore at 9. These are standard rates only. Reduced and zero rates for food, books, transport, medicine and similar categories vary by country and by product, and cross-border B2B supplies often shift the liability entirely, so check the specific rate for your goods before filing.
Does the IBAN validator confirm the account actually exists?
It cannot, and nothing that runs purely in a browser can. What it verifies is that the number is well formed: the country code is known, the total length matches that country's specification, the structure fits the country's mask, and the MOD-97 checksum from ISO 13616 resolves to 1. That catches transposed digits, dropped characters and typos, which is the large majority of real payment errors. It does not tell you the account is open, belongs to the person you think, or can receive the currency you are sending. Only the receiving bank knows that.
Is the profit margin calculator using margin or markup?
Margin, expressed as a percentage of revenue: margin equals revenue minus cost, divided by revenue. Markup is the other convention — profit as a percentage of cost — and confusing the two is the most common pricing error there is. An item costing 60 and selling for 100 carries a 40 percent margin but a 67 percent markup. Because the tool is a solver you can also come at it from the other side: lock cost and the margin you need, and it returns the revenue figure to price at, which is usually the question you actually had.
How should I set billable hours in the freelance rate calculator?
Lower than your working week, which is the point of the field. The defaults offer 10 hours for a side project up to about 30 for full-time freelancing, never 40, because admin, sales, invoicing, learning and unpaid revisions are not billable. Add weeks off honestly, including sickness and public holidays, then enter a tax percentage and real monthly business costs such as software, insurance, accounting and equipment. The output divides what you must earn by the hours you can actually sell, which is why the resulting rate looks higher than an equivalent salary divided by 2,080.
Do any of these calculators send my numbers anywhere?
No. Every calculation here is arithmetic evaluated in JavaScript in this tab: the break-even solve, the three-way margin and VAT solvers, the rate maths, the meeting timer and the MOD-97 modulus. There is no API call, no analytics payload carrying your figures and no account storing them. Reload the page and the inputs are gone, which is the trade-off — nothing is retained for you either. If you want a record, use the copy or export buttons in the individual tools before you close the tab.
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