Free tools to make more money — and keep more of it.
45 calculators, generators and AI helpers for side hustlers, freelancers, small-business owners, savers and job seekers. They run your real numbers, explain the math and point to your next move. No signup needed.
Every tool, by category
Finance tools
- Compound Interest Calculator — See how your money grows with the power of compounding — visualised with charts and AI explanations. (Free, AI-powered)
- Debt Payoff Calculator — Snowball vs avalanche — let AI pick the strategy that gets you debt-free fastest. (Free, AI-powered)
- Budget Planner (50/30/20) — Build a personal budget with the proven 50/30/20 framework + AI-powered tips. (Free, AI-powered)
- Loan & Mortgage Calculator — Calculate monthly payments, total interest, and amortisation for any loan or mortgage. (Free, AI-powered)
- Credit Score Simulator — Simulate how actions impact your credit score with AI-powered explanations. (Free, AI-powered)
- Side Hustle Income Tracker — Track every dollar from your hustles — premium dashboard with charts and insights. (Premium)
- Retirement / FIRE Calculator — Find your FIRE number, project your portfolio to retirement, and see at what age you can stop working. (Free, AI-powered)
- Savings Goal Calculator — Name the goal, get the month you'll hit it — plus what it takes to reach it a year sooner. (Free)
- Rental Property Cash Flow Analyzer — Run the numbers on any rental — cap rate, cash-on-cash return, and real monthly cash flow after the mortgage. (Free)
- Roth vs Traditional IRA Calculator — Same dollars, two tax treatments. See your after-tax spendable balance at retirement under each account. (Free)
- 401(k) Calculator — Project your balance with employer match — and see the match money you're leaving on the table. (Free)
- Mortgage Calculator — Monthly payment, PMI, refinance breakeven, and payoff acceleration — the numbers that matter before you sign. (Free)
- FIRE Calculator — Your FIRE number, your savings rate, and the exact month work becomes optional — no mysticism, just the math. (Free)
Business tools
- AI Side Hustle Finder — Answer 5 questions, get 3 personalised side-hustle matches with action steps. (Free, AI-powered)
- LLC vs Sole Prop Calculator — Should you form an LLC? AI analyses your situation and recommends the right structure. (Free, AI-powered)
- Freelance Rate Calculator — Calculate your true hourly rate factoring taxes, expenses, and time off — with AI pricing tips. (Free, AI-powered)
- Invoice Generator — Create a professional PDF invoice in seconds — add line items, tax and notes, then have AI review it before you send. (Free, AI-powered)
- Business Name Generator — 20 brandable business names with the reasoning behind each — powered by AI, with a one-click .com search. (Free, AI-powered)
- Etsy / eBay Profit Calculator — Calculate true profit per sale after fees and shipping — AI suggests pricing optimisations. (Free, AI-powered)
- TikTok Money Calculator — Estimate your TikTok creator earnings and brand-deal rates with AI. (Free, AI-powered)
- YouTube Revenue Estimator — Estimate YouTube AdSense + sponsorship income from monthly views, niche CPM, and monetisable share. (Free)
- AI Business Plan Generator — Generate a 5-section business plan from a niche and goal — premium, AI-powered. (Premium, AI-powered)
- Business ROI & Payback Calculator — Plug in any investment — ads, software, equipment, a hire — and see ROI %, payback period, and a plain-English buy-or-skip verdict. (Free)
- eCommerce Profit Margin Calculator — Your true per-unit margin — COGS, shipping, ads, platform fees — plus monthly break-even units and profit. (Free)
- Position Size Calculator — Risk a fixed slice of your account per trade. Enter your entry and stop, get your exact share count. (Free)
- Options Profit Calculator — Breakeven, max profit, max loss — and a live payoff diagram for calls, puts, and covered calls. (Free)
Career tools
- Salary ↔ Hourly Converter — Convert hourly wages to annual salary (or back) — with after-tax take-home and a full pay-period breakdown. (Free)
- ATS Resume Builder — Paste your resume and a job description — AI scores how well it passes ATS screening and suggests specific improvements. (Free, AI-powered)
- AI Cover Letter Generator — Tailored cover letters generated from a job description in seconds. (Free, AI-powered)
SEO tools
- KDP Keyword Generator — 50 high-intent Amazon KDP keywords for any niche — AI-ranked. (Free, AI-powered)
- YouTube Tag Generator — AI generates SEO-optimised tags from your video title. (Free, AI-powered)
- Content Idea Generator — 10 viral content hooks per platform — AI-crafted. (Free, AI-powered)
- Etsy SEO Keyword Tool — AI-optimised Etsy listing titles + 13 tags from your product description. (Free, AI-powered)
Marketing tools
- Social Media Caption Generator — Generate Instagram, TikTok and LinkedIn captions in any tone. (Free, AI-powered)
- AI Email Subject Line Tester — Score subject lines on open-rate potential and get AI-improved versions. (Free, AI-powered)
- Hashtag Generator — 30 ranked hashtags for any topic and platform — AI-optimised. (Free, AI-powered)
AI Tools
- AI Text Summarizer — Paste any text — get a crisp 5-7 bullet summary instantly. (Free, AI-powered)
- AI Paraphraser / Rewriter — Rewrite any text in formal, casual, or creative tone — preserving meaning. (Free, AI-powered)
Utility tools
- PDF Merger — Merge multiple PDFs in your browser — no upload needed. (Free)
- PDF to Word Converter — Convert PDFs to editable Word documents. (Free)
- Image Compressor — Shrink images right in your browser to lightweight WebP — choose the quality and size, nothing is uploaded. (Free)
- Background Remover — AI removes image backgrounds in seconds. (Free, AI-powered)
- QR Code Generator — Generate QR codes for any URL or text — pick the colour and download a PNG. (Free)
- URL Shortener — Turn long links into short, shareable URLs in one click. (Free)
- Password Generator — Generate strong, secure passwords in your browser — never sent to any server. (Free)
Latest guides
- Index Funds: The Lazy Portfolio That Beats Most Pros —
Nearly 9 in 10 professional fund managers lose to a simple index fund. Here's the lazy portfolio, the fee math, and the catch nobody mentions.
- How to Read an Options Chain Without Panicking —
An options chain looks like chaos at first. Here's how to read every column, what delta and theta mean in plain English, and what to check first.
- Compound Interest: The Only Free Lunch in Finance —
Compound interest is the closest thing to free money in finance — and most people start a decade too late. The math, the Rule of 72, and what kills it.
- Dollar-Cost Averaging vs Lump Sum: What the Data Says —
Should you invest a lump sum all at once or spread it out? The research has a clear winner — but there's a catch your emotions won't like.
- Side Hustles That Survive Contact With Reality —
Most side hustles die in month two. Three filters that separate real income from fantasy — plus honest trade-offs for each popular option.
- The 1099 Tax Surprise: What New Freelancers Get Wrong —
Your first 1099 can bring a surprise tax bill plus penalties. How self-employment tax and quarterly payments work. Educational only — not tax advice.
Questions, answered.
Are the tools really free?
Yes. All 43 free tools work without paying and without an account. Premium is optional: it adds more daily AI runs, premium AI tools and an ad-free experience.
Do I need to sign up?
No. Open any free tool and start. A free account only adds saved results and your tool history.
What happens to the numbers I enter?
Most calculators run entirely in your browser, so your inputs never leave your device. We don't sell personal data — our privacy policy has the details.
How do the AI features work?
AI-assisted tools send what you type into that tool to an AI model to generate the answer. Free use includes a daily allowance of AI runs that resets every 24 hours.
Is this financial advice?
No. The tools are educational: they show the math and common assumptions so you can make your own call. For big decisions, talk to a licensed professional.
Which languages are supported?
English, Spanish and Tagalog. Switch any time from the language menu at the top of every page. Amounts are shown in US dollars.