UD5 Toolkit
Refinance Breakeven Calculator – Online Savings vs. Costs
Enter current and new loan details plus closing costs to see how many months to break even on a refinance.
Financial & Investment Calculators
17+ toolsNumber to English Words (Decimal) – Online Check Writer
Convert a number like 1234.56 to English words 'one thousand two hundred thirty-four and 56/100'. For checks.
Debt Payoff Strategy Comparison – Online Avalanche vs Snowball
List your debts and compare the total interest paid using avalanche vs snowball methods. Pick the best strategy.
Currency Exchange Fee Calculator - Online Hidden Cost Revealer
Compare the real cost of currency exchange including hidden mark-ups and service fees. See how much you lose per transaction. Local educational tool.
Savings Goal Tracker - Online Visual Thermometer Chart
Set a financial goal and track progress with an animated thermometer. Enter current savings, target amount, and see percentage complete. Motivational & local.
USD Inflation Calculator - Online Consumer Price Index Estimator
Calculate the buying power of US dollars between any two years using official CPI data (updated annually). See how inflation erodes purchasing power. Local.
W‑4 Withholding Estimator – Online Simple Tax Refund Checker
Enter income, pay frequency, and expected deductions to estimate your tax refund or balance due. Simplified model.
Bill Tracker – Online Visual Calendar for Due Dates
Add recurring bills with amounts and see a monthly calendar with due date indicators. Simple finance organizer.
Credit Card Utilization Calculator – Online Ratio & Score Effect
Enter total balance and limit to see utilization percentage. See how it affects credit score bands.
Auto Loan Calculator – Online Monthly Payment Estimator
Enter vehicle price, down payment, rate, term to compute monthly payment and total interest paid.
UK Tax Code Checker - Online Understand Your Code
Enter your UK tax code and see an explanation of what the numbers and letters mean. Simple educational reference. No data stored.
Loan Prepayment Analyzer - Online Interest Savings Calculator
See how making extra payments reduces tenure and saves interest. Visual graph comparing original vs prepaid amortization. Purely local financial tool.
Tip Pool Splitter - Online Fair Share for Staff
Divide pooled tips among staff based on hours worked or weighted percentages. Ensures fair distribution. Instant local calculation.
Rent vs Buy Breakeven Calculator – Online Simple Comparison
Compare renting to buying a home by entering price, rent, interest, and years. See which saves more. Simplified model.
Bill Splitter with Tip & Tax - Online Shared Expense Divider
Enter total bill, tip %, tax amount, and number of people. Instantly see what each person owes. Handles uneven splits too. No data saved.
Simple Tax Credit Checker - Online Estimate GST/HST & Climate
Quick eligibility estimator for Canadian GST/HST credit and climate action incentive based on income and family size. For informational purpose only.
Simple Interest Calculator - Online Principal Rate Time Tool
Compute simple interest and final amount given principal, annual rate, and duration. Also reverse-calculates rate or time. Local only.