UD5 Toolkit
Mortgage Calculator - Online Home Loan & Amortization Tool
Estimate monthly mortgage payments with amortization schedule. Input loan amount, interest rate, and term. All calculations performed securely on your device.
Financial Calculators - Money Management
78+ toolsSimple Budget Worksheet - Online Monthly Income Expense
Fill out a clean budget worksheet with income and expense categories. See totals and print. No data stored.
Sales Tax Calculator - Online U.S. State Tax Estimator
Estimate the total price after adding US state sales tax. Select state, enter amount, and see breakdown. Simple and quick, perfect for shoppers.
Subscription Rename & Cost Calculator - Online Saver
Track your subscriptions, calculate monthly and yearly totals, and find savings by pausing unused services. Local data.
Compound Interest Calculator - Online Investment Growth Tool
Project how your savings and investments grow over time with compound interest. Interactive chart and detailed table. Free and anonymous.
Currency Symbol Lookup - Online Find $ € ¥
Search by country or currency name to find its symbol and code. Quick static reference for international business.
Static Currency Converter - Online Fixed Rates Table
Convert currencies using a built‑in table of approximate fixed rates. Useful for quick estimates without live data. Local.
Credit Card Payoff Calculator - Online Debt Repayment Plan
Calculate how long it will take to pay off credit card debt with fixed monthly payments or a payoff goal. Understand interest costs fully.
CAGR Calculator - Online Compound Annual Growth Rate
Find the CAGR of an investment given start and end values over a time period. Instant growth rate.
Net Worth Tracker - Online Assets & Liabilities Overview
Log your assets and liabilities to calculate your net worth over time. Data saved only in your browser for security. Simple and clutter-free.
Crypto Price Ticker - Online Live Bitcoin & Ethereum
Live cryptocurrency prices from public APIs. Clean ticker with percentage changes. Pure frontend, no account needed.
ISO Currency Code Lookup - Online Search by Country
Find the three‑letter currency code (USD, EUR, JPY) for any country. Also lists currency symbol and name. Static.
Simple Ledger Book - Online Debit / Credit Tracker
A basic double‑entry bookkeeping table. Add transactions with description, debit, and credit. Balances automatically.
Event Budget Planner - Online Party Expense Estimator
Plan a party or event budget by category (venue, food, decorations). See total and cost per guest. Export summary.
Expense Tracker - Online Simple Budget & Spend Logger
Track personal expenses and categorize spending. Interactive charts show where your money goes. All financial data remains in your browser only.
Compound Interval Calculator - Online Daily/Weekly Growth
Compute compound interest with various compounding frequencies (daily, weekly, monthly). Compare APY with simple interest. Local and secure.
Hourly Pay Calculator - Online Wage & Overtime Estimator
Calculate your weekly, monthly, or annual pay based on hourly wage and hours. Include overtime rates. Accurate and private.
IBAN Structure Checker - Online Validate Format & Country
Check if an IBAN has the correct length and structure for its country. Early validation, no bank connection.
Envelope Budget Planner - Online Cash Category Allocator
Allocate your monthly income into virtual envelopes by category. Track spending and see remaining balances. LocalStorage.
Loan Calculator - Online EMI & Amortization Schedule Generator
Calculate monthly EMIs for any loan type and see the detailed amortization schedule. Compare different interest rates and tenures with instant results.
Currency Converter - Online Exchange Rate (Manual Update)
Convert between currencies using manually updated or default rates. Great for estimation when offline. Local settings.
Rule of 72 Calculator - Online Estimate Investment Doubling
See how many years it takes to double your money at a given interest rate using the Rule of 72. Quick financial math.
Number to English Words - Online Write Out Checks
Enter any number up to trillion and get the English word representation. For filling out checks or legal documents.
Currency Name ↔ Code Converter - Online USD/EUR Lookup
Find the currency code (USD, EUR, JPY) for any country or reverse‑lookup the country from a code. Static reference.
Car Loan Calculator - Online Auto Financing & EMI Tool
Estimate monthly car loan payments with trade-in, down payment, and sales tax options. Amortization schedule included. Client-side calculation.
Crypto Address Format Checker - Online Validate Wallet
Paste a Bitcoin, Ethereum, or other crypto wallet address and quickly verify its format and checksum. No connection to blockchain.
Itemized Receipt Splitter - Online Who Ordered What?
Assign each receipt item to specific people, then split tax and tip proportionally. Fair group dining payments. All local.
Stock Average Down Calculator - Online Investment Cost Basis
Calculate the new average cost of a stock after buying more shares at a different price. Invest smarter. All local.
Retirement Calculator - Online Savings & Investment Planner
Project your retirement savings growth with monthly contributions, employer match, and CAGR. Interactive chart. Financial data stays on your device.
NPV Calculator - Online Net Present Value & IRR
Enter cash flows and discount rate to compute Net Present Value and Internal Rate of Return. Finance 101.
Simplified DCF Valuation - Online Stock Intrinsic Value
Estimate the intrinsic value of a stock using a simplified Discounted Cash Flow model with growth rate and discount rate.
Mortgage Overpayment & Amortization Calculator - Online
See how extra monthly or lump‑sum payments reduce your mortgage term and total interest. Dynamic chart. All local calculation.
Receipt & Expense Logger - Online Simple Finance
Snap or type expense details and store them locally. Categorize and see monthly totals. No cloud, no sign‑up.
Currency Code to Symbol Converter - Online ISO 4217 Lookup
Enter a three‑letter currency code like USD or EUR and instantly see the corresponding symbol and number of decimals. Quick developer reference.
Investment Goal Timeline - Online Reach Your Target
Enter your current savings, monthly contribution, and target amount. Calculate time needed and suggestions. Private.
International eSIM & Roaming Cost Comparator – Data per Day
Compare the cost of international roaming versus buying a local eSIM or physical SIM for your trip. Input data usage and duration for a total cost estimate.
USD Inflation Calculator – Historical Buying Power
Find out what a dollar amount from a past year is worth today, or vice versa. Uses official US CPI data to show the true impact of inflation over time.
Commute Cost Calculator – Gas, Public Transport & Time
Calculate your daily, monthly, and yearly commuting costs by car vs public transit. Factor in fuel, parking, maintenance, and your time to find the smartest option.
Wedding Budget Calculator – Allocate Costs by Category
Plan your wedding spending with a simple percentage-based budget breakdown. Adjust the total budget to see recommended amounts for venue, catering, attire, and more.
Bi‑Weekly Mortgage Payment Calculator – Save Thousands
Calculate the interest savings and earlier payoff date by switching to bi‑weekly mortgage payments instead of monthly. See the power of an extra annual payment.
Wedding Vendor Tip Calculator – Who & How Much to Tip
Enter the cost of each vendor service and see the customary tip range for caterers, photographers, hair stylists, and more. Print the final gratuity list.
Cat Litter Cost per Use Calculator – Clumping, Crystal & Pine
Enter the price and weight of a litter box fill and how long it lasts to calculate daily and monthly cost. Compare different litter types.
Customs Duty Estimator – Import Tax & Tariff Quick Reference
Get a rough estimate of customs duties when importing goods to the US or EU. Input item value, category, and origin to see potential extra costs.
Virtual Savings Jar – Digitally Track Your Fund Goals
Create a visual savings jar for each of your financial goals. Drag coins and notes to fill the jar as you save, and see your progress toward a target amount.
Wishlist Cost Accumulator – Total Your Dream Purchases
Add items to a personal wishlist with their prices to see the total cost. Helps prioritize purchases and set a realistic savings goal for your dream gear.
Student Loan Repayment Calculator – Standard vs IDR Plans
Estimate monthly payments under different student loan repayment plans including Standard, Graduated, and Income-Driven Repayment (IDR). Compare total interest paid over time.
Kids Allowance Tracker – Manage Weekly Pocket Money
Track your child's weekly allowance, extra chore earnings, and savings goals. A simple digital ledger to teach money management and the value of saving.
No‑Spend Challenge Tracker – Mark Your Frugal Days
Click days on a calendar when you spent nothing. Build a streak and see how many no‑spend days you can achieve in a month.
Mega Millions Payout Calculator – Lump Sum vs Annuity
Calculate the after‑tax payout of a Mega Millions jackpot. Compare the lump‑sum cash value with the 30‑year annuity option, including federal and state tax estimates.
Coast FIRE Calculator – When Can You Stop Saving?
Find the age at which your existing retirement savings will grow enough to reach your FIRE number without any further contributions. Perfect for planning a career downshift.
Subscription True Cost Calculator – Monthly to Annual
See the annual equivalent of all your monthly subscriptions. Convert weekly and monthly fees to a yearly total – you might cancel a few!
Live Currency Converter – 170+ Currencies & Cryptocurrencies
Convert between 170+ fiat currencies and top cryptocurrencies with live mid‑market exchange rates. No historical charts, just clean conversion.
Rental Yield Calculator – Gross & Net Yield Percentage
Evaluate a rental property by entering purchase price and annual rent to instantly see gross and net rental yield. Factor in expenses for accurate ROI.
Compound Frequency Impact Calculator – Daily vs Monthly Compounding
Compare how different compounding frequencies (daily, monthly, quarterly, annually) affect the final amount of your investment or loan. Visualize the power of compound interest.
CD Ladder Calculator – Build a Certificate of Deposit Strategy
Model a CD ladder strategy by mixing CDs with different maturity lengths. See projected returns and liquidity flow to safely grow your savings while maintaining access to funds.
APY to APR Converter – Calculate Effective Annual Rate Online
Quickly convert between Annual Percentage Yield (APY) and Annual Percentage Rate (APR) with compounding frequency. Understand the true cost of loans or real return on savings in a simple online tool.
Streaming Service Cost Comparison – Netflix, Disney+, & More
Compare monthly and annual costs of popular streaming services side by side. Add multiple services to see your total entertainment bill and find the best bundle.
Light Bulb Savings Calculator – LED vs Incandescent
See how much money and energy you can save by switching from incandescent or CFL bulbs to LED. Includes payback period and annual savings estimates.
Economic Order Quantity Calculator – Optimal Inventory EOQ
Minimize total inventory costs by calculating the Economic Order Quantity. Enter annual demand, ordering cost, and holding cost for an instant optimal reorder size.
Gas vs Electric Vehicle Savings Calculator – Total Cost of Ownership
Calculate the total cost of ownership between a gasoline car and an electric vehicle. Includes fuel/electricity, maintenance, tax credits, and resale value estimates.