Free Money Calculators
Free calculators from Cedar & Ledger: debt payoff (snowball vs avalanche), sinking funds per paycheck, side hustle tax set-aside, freelance hourly rate, which paycheck pays which bill, grocery budget per week, small business break-even, the 50/30/20 split, yearly subscription costs, invoice due dates and late fees, side hustle profit per hour, a holiday gift budget, a small business profit and loss, credit card payoff, website costs, an emergency fund target, a 2026 mileage deduction, markup vs. margin pricing, debt-to-income ratio, hourly to salary pay, savings growth, cost per meal, freelance project quotes, loan extra payments, how much to pay yourself as a business owner, splitting bills with a roommate or partner, Etsy fees per sale, how much rent you can afford, whether a car fits the 20/4/10 rule, how much to save before moving out and what a price increase does to profit, which package size is the better deal, PayPal and Stripe fees on a payment, adding or removing sales tax, totaling hours worked in a week, what a raise means per paycheck, what an appliance costs to run, your savings rate, a sale price after stacked discounts, how many new customers a website needs to pay for itself, what paying bills late costs in a year, what thrown-out food costs, a rental property's monthly cash flow, how to split a wedding or event budget by category, your net worth the profit on one resold item, and what Thanksgiving or Christmas dinner costs. They run in your browser; nothing is saved. Results are estimates for planning, not financial or tax advice.
- Free Debt Payoff Calculator: Snowball vs Avalanche
Enter your debts and an extra monthly amount to compare the debt snowball and debt avalanche: months to debt-free, total interest and payoff order. Free, runs in your browser. - Free Sinking Fund Calculator: How Much to Save per Paycheck
Enter each savings goal, what you've saved and the date you need it. See how much to set aside per month and per paycheck. Free, runs in your browser. - Free Side Hustle Tax Calculator: How Much to Set Aside
Rough US estimate of self-employment tax plus income tax on side hustle profit, and how much to set aside per month and per quarter. Free, runs in your browser. - Free Freelance Rate Calculator: Find Your Hourly Floor
Work backward from a yearly pay target, business costs, a tax set-aside and your real billable hours to the lowest hourly rate that covers them, plus a project price. Free, runs in your browser. - Free Paycheck Budget Calculator: Which Check Pays Which Bill
Enter your pay schedule, take-home pay and bills with due dates to see which paycheck covers each bill in a month and what's left from every check. Free, runs in your browser. - Free Grocery Budget Calculator: Per Week, Per Day and Per Meal
Turn a monthly grocery budget into a weekly amount, a daily amount, and a cost per person per meal, and see what's left this week. Free, runs in your browser. - Free Break-Even Calculator: Profit per Sale and Sales Needed
Enter your price, cost per item, fees and monthly fixed costs to see profit per sale, margin, how many sales you need to break even each month, and profit at your expected sales. Free, runs in your browser. - Free 50/30/20 Budget Calculator: Needs, Wants and Savings
Enter your monthly take-home pay to split it 50/30/20 into needs, wants and savings, per month and per paycheck, or try your own split. Free, runs in your browser. - Free Subscription Cost Calculator: What Your Subscriptions Cost a Year
List your subscriptions with their price and billing cycle to see the total per month and per year, and how much you'd save by canceling the ones you don't use. Free, runs in your browser. - Free Invoice Due Date and Late Fee Calculator
Enter an invoice date and payment terms (Net 7, 15, 30, 60 or your own) to get the due date, how many days late it is, and the late fee your terms allow. Free, runs in your browser. - Free Side Hustle Profit Per Hour Calculator
Enter what your side hustle brought in, what it cost and the hours you really spent to see your profit per hour, before and after setting money aside for tax. Free, runs in your browser. - Free Holiday Gift Budget Calculator: Per Person and Per Paycheck
List who you're buying for and the extras (wrapping, shipping, food, travel) to see your full holiday budget and how much to set aside each paycheck until you shop. Free, runs in your browser. - Free Small Business Profit and Loss Calculator
Enter your sales, cost of goods and expenses for a month, quarter or year to see gross profit, net profit, margins and your yearly pace. Free, runs in your browser. - Free Credit Card Payoff Calculator: Months, Interest and Payment Needed
Enter your card balance, APR and monthly payment to see how many months it takes to pay off and the interest you'll pay, or pick a payoff date to see the payment needed. Free, runs in your browser. - Free Small Business Website Cost Calculator: Builder vs. Designer vs. DIY
Compare what a small business website costs over 1 and 3 years with a website builder, a hired designer or a do-it-yourself template, using the prices you've been quoted. Free, runs in your browser. - Free Emergency Fund Calculator: How Much You Need and How Fast
Add up your must-pay monthly costs to see a 3-month and 6-month emergency fund target, and how much to save each month to reach it by your date. Free, runs in your browser. - Free Mileage Deduction Calculator (2026 IRS Rates)
Enter your business miles to estimate your 2026 standard mileage deduction at the IRS rates (72.5 cents a mile Jan to June, 76 cents July to Dec), plus parking and tolls. Free, runs in your browser. - Free Markup vs. Margin Calculator for Small Businesses
Enter what an item costs you and what you sell it for to see profit, margin and markup, or pick a target margin or markup to get the price. Free, runs in your browser. - Free Debt-to-Income Ratio Calculator (DTI)
Enter your gross monthly income and monthly debt payments to see your debt-to-income ratio (DTI) and how much you'd need to cut to reach a target. Free, runs in your browser. - Free Hourly to Salary Calculator (Per Paycheck Too)
Turn an hourly wage into yearly, monthly, weekly and per-paycheck pay, with optional overtime and an estimated take-home after taxes. Free, runs in your browser. - Free Savings Growth Calculator (Compound Interest)
Enter a starting amount, a monthly deposit, the interest rate (APY) and years to see what your savings could grow to, how much is interest, and a year-by-year table. Free, runs in your browser. - Free Cost Per Meal Calculator: Home Cooking vs Takeout
List what a recipe's ingredients cost and how many servings it makes to see the cost per meal, then compare it with takeout per week, month and year. Free, runs in your browser. - Free Freelance Project Quote Calculator
Estimate a freelance project price from your hours, hourly rate, expenses and a time buffer, then see the deposit and the balance due. Free, runs in your browser. - Free Extra Payment Calculator for Loans
See how much sooner you'd pay off a car, student or personal loan, and how much interest you'd save, by adding an extra amount to each monthly payment. Free, runs in your browser. - Free Owner Pay Calculator: How Much to Pay Yourself
Work out how much a small business owner can safely pay themselves each month after expenses, a tax set-aside and a cushion left in the business. Free, runs in your browser. - Free Bill Split Calculator: Even or By Income
Split rent and shared bills with a roommate or partner two ways: 50/50, or in proportion to each person's income. Free, runs in your browser. - Free Etsy Fee Calculator (US Sellers, 2026)
See what Etsy takes from a sale (listing, 6.5% transaction, 3% + $0.25 payment processing and optional Offsite Ads) and what you keep after your costs. Free, runs in your browser. - Free Rent Affordability Calculator: How Much Rent Can I Afford?
See how much rent you can afford three ways: the 30% rule, the landlord 40x income rule and what your take-home pay leaves after other needs. Free, runs in your browser. - Free Car Affordability Calculator (20/4/10 Rule)
See the monthly payment, total interest and full monthly cost of a car, and check it against the 20/4/10 rule: 20% down, a loan of 4 years or less, car costs under 10% of pay. Free, runs in your browser. - Free Moving Out Calculator: How Much to Save Before You Move
Add up what moving into your first apartment costs up front (deposit, first month, fees, movers, furniture, utility setup and a cushion) and how much to save each month to get there. Free, runs in your browser. - Free Price Increase Calculator: How Many Customers Can You Lose?
See how many sales you could lose after raising your price and still make the same profit, and how much more you make if everyone stays. Free, runs in your browser. - Free Unit Price Calculator: Which Size Is the Better Deal?
Compare up to three package sizes by price per ounce, pound or item to see which is the better deal and how much you save. Free, runs in your browser. - Free PayPal Fee Calculator (US, 2026): What You Keep
See the PayPal fee on a payment and what you keep, or what to charge to receive a set amount. US rates for Checkout, cards, goods and services and Pay Later. Free. - Free Sales Tax Calculator: Add Tax or Take It Out
Add sales tax to a price, or work backward from a total that already includes tax to find the price before tax and the tax amount. Free, runs in your browser. - Free Hours Worked Calculator: Weekly Timesheet and Pay
Enter start and end times and unpaid breaks for each day to total your hours for the week in hours:minutes and decimal hours, plus pay at your hourly rate. Free. - Free Raise Calculator: What a Raise Means Per Paycheck
Enter your current pay and a raise as a percent or a new amount to see the difference per year, per month and per paycheck, before and after a rough tax estimate. Free. - Free Stripe Fee Calculator (US, 2026): What You Keep
See the Stripe fee on a card payment and what you keep, or what to charge to receive a set amount. Uses the US standard rate of 2.9% + 30¢, which you can change. Free. - Free Electricity Cost Calculator: What an Appliance Costs
See what an appliance costs to run per day, month and year from its watts, hours of use and your electric rate. Add up to five appliances. Free, runs in your browser. - Free Savings Rate Calculator: What Percent You Save
See what percent of your income you save each month, including retirement taken from your paycheck, and how much more it takes to hit a target rate. Free, runs in your browser. - Free Discount Calculator: Sale Price After Percent Off
Work out the sale price after a percent off, an extra percent off on top, and sales tax, plus what you save and the real total discount. Free, runs in your browser. - Free Website Break-Even Calculator for Small Businesses
See how many new customers a small business website needs to bring in to pay for itself, from its yearly cost and what you make per customer. Free, runs in your browser. - Free Late Fee Calculator: What Paying Bills Late Costs
Add up what late fees, plus any overdraft or returned-payment fees, cost you over a year. Enter up to five bills and how often each was late. Free, runs in your browser. - Free Food Waste Calculator: What Thrown-Out Food Costs a Year
Add up what the food you throw out in a typical week costs over a month and a year. Enter up to five items, what you paid and how much went in the trash. Free, runs in your browser. - Free Rental Property Cash Flow Calculator (Monthly and Yearly)
Enter rent, vacancy, the loan payment, taxes, insurance, HOA, repairs and management to see a rental's monthly and yearly cash flow, plus optional cash-on-cash return. Free, runs in your browser. - Free Wedding Budget Calculator: Split by Category + Cost per Guest
Enter a total wedding or event budget and guest count to split it by category (venue, food and drink, photos, attire and more) with percentages you can change, and see the cost per guest. Free, runs in your browser. - Free Net Worth Calculator: Assets Minus Debts
Add up what you own and what you owe to see your net worth, how much of your assets your debts equal, and the change since last time. Free, runs in your browser. - Free Reseller Profit Calculator: Profit, Margin and ROI per Item
Enter the sale price, what you paid, platform and payment fees, shipping and supplies to see one item's profit, margin, ROI and break-even price. Free, runs in your browser. - Free Thanksgiving Dinner Cost Calculator: Total and per Guest
Enter your guest count and prices to estimate what Thanksgiving dinner costs: turkey, sides, desserts and drinks, the cost per guest and a potluck split. Free, runs in your browser. - Free Christmas Dinner Cost Calculator: Total and per Guest
Enter your guest count and prices to estimate what Christmas dinner costs: the roast (ham, turkey or prime rib), sides, desserts and drinks, the cost per guest and a potluck split. Free, runs in your browser.