Free calculators and tools for everyday decisions

A $20,000 loan with $1,000 in fees at $430/month for 60 months has a 12.8% APR — the true cost above the 12% quoted rate.

On a $300,000, 30-year mortgage at 6.5%, biweekly payments of $948 save about $88,000 in interest and cut the payoff from 30 years to about 24.

At 7% annual return, $10,000 compounds to about $20,096 in 10 years — and over 30 years it grows to roughly $76,123, with $66,123 of it pure interest. Add monthly contributions and growth accelerates dramatically. Enter your numbers to see your projection.

Divide your total monthly debt payments by your gross monthly income and multiply by 100. $1,500 of monthly debts on $6,000 gross income is a 25% DTI — comfortably below the 36% line most lenders consider healthy, and far below the 43% mortgage limit.

An extra $200 per month on a $300,000, 30-year mortgage at 6.5% saves about $103,000 in interest and pays the loan off roughly 7 years early. Enter your loan details above to see your exact numbers.

BMI is weight in kilograms divided by height in meters squared. At 70 kg and 175 cm, your BMI is 22.9 — in the normal range (18.5-25). BMI is a population-level screening tool, not a diagnosis: athletes and older adults often fall outside their true health range.

A 10 ft × 10 ft slab, 4 in thick, needs 33.3 cubic feet — 1.23 cubic yards. With a 10% waste buffer that is about 1.4 yards of ready-mix, or 62 80-lb bags if you are mixing by bag. Enter your own dimensions for an exact count.