Free calculators · Easy to use · Helpful guides
Smart Decision Calculators
Free online calculators to help you plan your money, compare costs, and make smarter everyday decisions — from monthly budgets and loans to rent vs buy, solar payback and freelance rates.
10 calculators available
Popular calculators
Monthly Budget Calculator
See where your monthly income goes and how much is genuinely left to save.
PopularRent vs Buy Calculator
Compare years of rent against mortgage costs, including appreciation and rent rises.
PopularCar vs Bike Cost Calculator
Total ownership cost of a vehicle per month, per year and across three and five years.
PopularSalary Savings Calculator
Check what you save now against the savings target you actually want to hit.
PopularElectricity Appliance Cost Calculator
Turn appliance wattage and daily usage into a monthly and yearly bill.
PopularUniversity Cost Calculator
Add tuition, living costs and fees into one honest total for a full degree.
PopularTrip Budget Calculator
Plan a trip total, cost per person and average daily spend before booking.
PopularLoan / Installment Calculator
Monthly payment, total repayment and total interest from the standard formula.
PopularFreelancer Hourly Rate Calculator
Work back from your target income to the hourly rate you need to charge.
PopularBrowse by category
Money & Budget
Budgeting, savings targets and loan repayments worked out in plain numbers.
Home & Living
Compare renting against buying and understand the real cost of a home.
Car & Transport
What a vehicle really costs you each month, each year and over five years.
Education
Add up tuition, living costs and everything else a degree quietly asks for.
Travel
Plan a trip budget per person, per day and in total before you book.
Business & Freelancing
Work backwards from the income you want to the rate you need to charge.
Energy
Appliance running costs and solar payback estimates from your own usage.
General Planning
Everyday comparisons that help you decide between two reasonable options.