Financial Calculators
Loan payments, compound interest, VAT and tips — instant answers that never leave your device. No account, no tracking, no uploads.
Loan Calculator
Monthly payment, total interest and a year-by-year amortization schedule for mortgages, car and personal loans.
LiveCompound Interest
Project how savings and investments grow with regular contributions and compounding interest.
LiveVAT Calculator
Add VAT to a net price or extract the VAT from a gross price, at any rate.
LiveTip Splitter
Calculate the tip, the total and exactly what each person owes when splitting a bill.
LivePercentage Calculator
Percent of a value, what percent X is of Y, and percent change — the three questions, answered live.
LiveBMI Calculator
Body mass index with metric and imperial units, category, and healthy weight range for your height.
LiveAge Calculator
Exact age in years, months and days, plus totals and a countdown to your next birthday.
LiveDays Between Dates
Days, weeks and months between two dates — or add/subtract days from a date, weekday included.
Why run financial calculations in your browser?
Money is personal. The numbers you type into a loan calculator — your salary-derived budget, your debt, your savings — are exactly the kind of data you'd rather not hand to a stranger's server. On ToolHex, every calculation happens locally, inside your browser tab. Nothing is transmitted, logged or stored; close the tab and the numbers are gone. There is also no account, no rate limit and no waiting: results update the instant you type.
Transparent math, no black boxes
Each calculator page shows the formula it uses and explains every number in the result. The loan calculator uses the standard annuity formula that banks use for fixed-rate loans; the compound interest calculator iterates period by period so you can see exactly how the balance grows; the VAT and tip calculators are one-liners explained on the page. If a number surprises you, the explanation is right there — we'd rather teach the math than hide it.
One honest disclaimer, because it matters: these tools do arithmetic, not financial advising. Real loans carry fees, insurance and variable rates; real investments carry risk and taxes. Use the results to understand and compare, then verify anything consequential with your lender or a qualified adviser.
Which calculator do you need?
- Loan Calculator — "What will my monthly payment be, and how much interest will I pay in total?" Works for mortgages, car loans and personal loans with a fixed rate.
- Compound Interest Calculator — "If I save this much every month at this return, what will I have in 10 or 30 years?" The classic retirement and savings-goal tool.
- VAT Calculator — "What's the price with VAT added, or how much VAT is inside this gross price?" For invoices, freelancing and shop pricing at any rate.
- Tip Splitter — "What's 18% of this bill, and what does each of us owe?" For restaurants, taxis and group bills.
Frequently asked questions
Are my numbers sent anywhere?
No. All calculations run in your browser using JavaScript on your own device. Nothing is uploaded, logged or stored.
Are the results accurate?
The math is exact and uses the same standard formulas as banks and spreadsheets. Real-world loans and investments include fees, taxes and rate changes that no simple calculator can capture — treat results as estimates for comparison and planning.
Do the calculators work offline and on mobile?
Yes to both. Once a page has loaded it needs no connection, and every calculator is designed for phone screens first.