Free financial calculators.
Free financial calculators with clear formulas for saving, investing, loans, budgeting, freelancing and business. Your calculations run in your browser.
Household bill split comparison
Compare equal and income-based contributions with exact settlement-unit totals.
Fixed-rate loan offer comparison
Compare payments, upfront cash fees, borrowing costs and remaining debt at a chosen month.
Savings withdrawal runway planner
Model fixed monthly withdrawals, growth or losses, and the first funding shortfall.
Extra-payment debt payoff planner
Compare payoff time and interest with an extra monthly payment on one debt.
Investment fee impact comparison
Compare annual percentage fees, ending balances and forgone growth on one lump sum.
Inflation and purchasing-power planner
Compare nominal savings, real buying power and future monthly costs using your own rates.
Bill timing cash-flow planner
Spot gaps between bill dates and income dates with a daily closing-balance plan.
Business break-even planner
Find the whole units needed to cover monthly costs and explore planned sales.
Emergency fund runway planner
See how long your reserve could cover essentials after an unexpected cost.
Freelance income currency stress test
Compare currency scenarios, monthly expense coverage and required foreign income.
Compound interest calculator
Explore investment growth with recurring contributions and flexible compounding.
Loan repayment calculator
Estimate monthly payments, total repayment and interest on a fixed-rate loan.
Savings goal calculator
Find the monthly contribution needed to reach your savings target.
ABOUT NUM.AM
Clear assumptions. Calculations you can inspect.
Who runs this site
num.am is operated by bool.am. These free tools help you explore financial scenarios without an account. Questions or corrections? Contact [email protected] or use Feedback on the relevant page.
How the math is maintained
The calculators use decimal arithmetic and automated checks for formulas, rounding, invalid inputs and edge cases. Each tool explains its assumptions and exclusions. Educational references provide context; they do not endorse or certify these tools. Estimates are not financial advice or provider quotes.
Your information
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