46 finance tools
Finance tools
Clear estimates for everyday money decisions.
Available Finance tools
Loan Calculator
Free loan calculator to estimate monthly repayments, total repayment, and interest.
Loan & EMI Calculator
Free loan and EMI calculator to estimate monthly repayments, total interest, total repayment, and an amortisation schedule from your loan amount, interest rate, and term.
Invoice Generator
Free invoice generator to create a clear, printable invoice with editable line items, discounts, tax, and currency labels in your browser.
Compound Interest Calculator
See how an investment can grow with regular contributions.
Savings Calculator
Plan regular savings and see the estimated future balance.
GST/VAT Calculator
Add tax to a price or remove it from an inclusive total.
Mortgage Calculator
Free mortgage calculator to estimate monthly payments for a home purchase or refinance.
Fuel Cost Calculator
Estimate how much fuel a trip will use and what it will cost.
Mortgage Overpayment Calculator
See how extra repayments reduce your interest and shorten your loan term.
Investment Return Calculator
Project the growth of an investment with regular contributions.
Break-Even Calculator
Find how many units you need to sell to cover your costs.
Profit Margin Calculator
Calculate profit or loss, margin percentage, and markup percentage.
Salary to Hourly Calculator
Turn an annual salary into hourly, weekly, and monthly pay.
Debt Payoff Calculator
Estimate how long a balance will take to repay at a fixed payment.
Mortgage Affordability Calculator
Estimate a home price from income, debts, deposit, rate, and term.
Freelance Rate Calculator
Free freelance rate calculator to estimate an hourly and daily rate based on your income goal, expenses, working time, and billable hours.
Simple Interest Calculator
Free simple interest calculator to calculate interest and the total amount from principal, rate, and time.
Savings Goal Calculator
Free savings goal calculator to estimate how long regular contributions may take to reach a target.
Overtime Pay Calculator
Estimate regular pay, overtime pay, and total earnings from hourly work.
Rent vs Buy Calculator
Compare estimated monthly rent with a home payment and ownership costs.
APR Calculator
Estimate annual percentage rate from a loan, fees, payment, and term.
Emergency Fund Calculator
Set an emergency-fund target and see how many months your savings cover.
Budget Allocation Calculator
Turn budget percentages into clear monthly amounts.
Markup vs Margin Calculator
Compare markup, selling price, profit, and profit margin from a cost.
Net Worth Calculator
Add assets and liabilities to estimate your current net worth.
Commission Calculator
Calculate commission earnings from sales, a rate, and optional base pay.
Electricity Cost Calculator
Estimate appliance electricity use and cost from watts, time, and tariff.
Debt-to-Income Calculator
Compare monthly debt payments with gross monthly income.
Meeting Cost Calculator
Estimate the staff time cost of a recurring meeting.
Freelancer Hourly Rate Calculator
Plan a freelance hourly rate from income, costs, and billable time.
Cash Runway Calculator
Estimate how many months available cash can cover net monthly burn.
Profit and Loss Calculator
Summarise revenue, costs, expenses, profit, and margins.
Recurring Payment Cost Calculator
Compare recurring payments as monthly and annual total costs.
Rent Affordability Calculator
Compare rent with a personal income-ratio target.
Shared Expense Splitter
Split group bills and purchases by payer and participant.
Cost Split by Percentage Calculator
Divide a shared cost using custom percentages.
Subscription Plan Comparison
Compare up to three subscription plans using your own costs and billing cycles.
Job Offer Comparison Calculator
Compare two job offers using pay, hours, commute, and benefit assumptions.
Recipe Cost Calculator
Estimate ingredient and per-serving recipe cost from package prices.
Price Per Use Calculator
Estimate an item’s cost for each expected use.
Billable Hours and Project Cost Calculator
Estimate a project total from billable hours, rates, and direct costs.
Trip Cost Calculator
Estimate travel expenses per day and per person.
EV Charging Cost Calculator
Estimate EV charging cost from energy, tariff, and charging loss.
Parking Cost Calculator
Estimate parking charges from block rates and daily caps.
Commute Cost Comparison
Compare driving, EV, and public-transport commute costs.
Appliance Running Cost Comparison
Compare electricity costs for up to three appliances.
Helpful answers
Frequently Asked Questions
Useful details that apply across BiyoTool’s finance tools.
No. Results are mathematical planning estimates based on your entries. A lender, employer, accountant, insurer, or other provider may use different definitions, fees, thresholds, timing, or rules.
No. The calculators use the values you enter and do not retrieve account balances, lender offers, tax settings, or live exchange and market rates.