Free Online Calculators for Finance, Health, Math & Time
Calculators for the numbers in your life — mortgage payments, compound interest, calories, grades, due dates — BeadCalc does the math instantly, shows the formula behind every answer, and checks its own work with worked examples. Free, no sign-up, nothing leaves your browser.
Mortgages, loans, interest, taxes, salaries and retirement — the money math of everyday life, done exactly.
Compound growth, DCF valuation, FIRE planning, dividend reinvestment, gold savings, forward exchange rates and break-even prices — the math behind investing decisions, worked with formulas and examples. For education only, not investment advice.
BMI, calories, body fat, pregnancy dates and running pace — health numbers estimated with the standard formulas doctors and coaches use.
Percentages, fractions, dates, grades and a full scientific calculator — school, work and everyday arithmetic without the friction.
A countdown timer, a stopwatch with laps, and a world clock that converts any moment across 40+ cities — daylight saving handled.
Make a photo that matches the official spec for your document — US 2×2 in, UK and Schengen 35×45 mm, Canada 50×70 mm — with guided cropping, on-device background replacement and print sheets. Your photo never leaves your browser.
Turn a sentence, a quote or a whole note into a designed card image — 60 templates, sizes for Xiaohongshu, Instagram, stories and article covers, exported as a high-resolution PNG. Template compositing, not AI generation, so cards render instantly. No watermark, and your text never leaves your browser.
Turn plain text into a swipeable social media carousel — one slide per paragraph, 16 bright styles with cover, content and closing layouts, exported as PNG, ZIP or PDF. Rendered entirely in your browser: your text is never uploaded and there is no watermark.
Mortgages run on local rules. These calculators use each country's real formula, taxes and fees — Canada (CMHC + provincial land transfer tax), the UK (stamp duty in all three nations), Australia (state stamp duty + offset accounts), the USA (property tax by state), plus China, Hong Kong, Taiwan, Singapore, India and New Zealand in their own languages and rules, and Ireland, the UAE and South Africa with their own caps, duties and schemes.
Anyone can put a form on a web page. The hard part is being right — every time, on the inputs real people actually type. Every BeadCalc tool therefore shows its formula in plain sight, works a full numerical example underneath the calculator, and is validated against independently computed reference values before it is published. If a tool ever disagrees with the example printed on its own page, the page is wrong and we want to hear about it.
BeadCalc is named after the beads of the abacus — for thousands of years the world's calculator. The abacus had no batteries, no ads in the way and no wrong answers. That is the standard we build to.