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ZeroUtil

Finance Tools

Mortgage, compound interest and investment calculators

Budget Planner (50/30/20)

Plan your monthly budget using the 50/30/20 rule. Editable percentages with weekly, monthly and annual breakdowns.

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Compound Interest Calculator

Calculate compound interest with customizable principal, rate, time, frequency and optional monthly contributions.

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Freelance Hourly Rate Calculator

Compute the hourly rate a freelancer must charge to hit a target take-home after taxes, business expenses, profit margin and realistic billable utilisation.

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Inflation Calculator

Calculate the impact of inflation on purchasing power over any time period.

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ROI Calculator (Return on Investment)

Calculate ROI, CAGR, annual return and percentage gain from initial investment, final value and holding period. Works for stock ROI, after-tax ROI, social ROI and required-return scenarios.

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Loan EMI Calculator

Calculate Equated Monthly Installments for any loan. See EMI, total interest and payment breakdown.

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Mortgage Calculator

Estimate monthly mortgage payments, total interest and total cost. Includes full amortization schedule.

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Net Worth Calculator

Calculate your net worth by adding assets and liabilities. Dynamic rows with debt-to-asset ratio.

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Paycheck Calculator

Estimate take-home pay after federal tax, Social Security and Medicare deductions.

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Retirement Calculator

Project your retirement fund based on current savings, monthly contributions and expected returns.

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Salary to Hourly Converter

Convert an annual salary to an hourly wage and back. Hourly, weekly, bi-weekly, monthly and annual figures side by side.

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Tax Bracket Calculator

Calculate federal income tax using 2024 and 2025 US tax brackets, with 2023 reference. See effective rate, marginal rate and tax per bracket.

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