Finance calculator collection

Explore loan repayments, debt-to-income ratios, ETF growth and FIRE goals in one place. These free calculators work in your browser without installation or registration. Each tool explains its assumptions, calculation rules and limitations. Results are estimates for comparing scenarios.

ETF return comparison calculatorCompare the long-term performance of two ETFs Free ETF recurring investment calculatorEstimate returns from regular investments Free Loan interest calculatorCompare interest by repayment method Free DSR calculatorEstimated repayment burden relative to income Free Hourly wage calculator2026 minimum hourly wage, monthly salary, and annual salary to hourly wage conversion Free FIRE calculatorEstimate when you could reach your goal based on your savings rate and assumed returns Free

Which tool should you use?

If you choose the situation first, you can go straight to the matching tool.

When checking whether part-time or hourly pay came in correctly Hourly wage calculator : Converts to a monthly wage using the 2026 minimum hourly wage and whether the weekly holiday allowance is included.

When comparing the monthly repayment and total interest before taking out a loan Loan interest calculator : Compares equal principal-and-interest repayment and equal principal repayment side by side.

When checking whether more loan limit is available or whether it is blocked DSR calculator : Shows whether the regulatory limit is exceeded, using the ratio of principal and interest to annual income.

When you want to know the long-term result of an investment you pay into every month ETF recurring investment calculator : Calculates compound growth from the amount paid in, the rate of return, and the period.

When you want to see how wide the fee difference between two products grows ETF comparison calculator : Compares the effect of the total fee difference on long-term return.

When calculating when financial independence is possible FIRE calculator : Estimates the time of achievement from the savings rate and target assets.

Distinctions between easily confused tools

Hourly pay or debt-to-income ratio?

Use the hourly wage calculator to convert earnings and working time into an hourly rate. Use the debt-to-income ratio calculator to compare income with debt payments. Check the income basis and assumptions shown by each tool.

Loan interest calculator vs DSR calculator

The loan interest calculator answers 'how much you repay if you assume you have already borrowed,' and the DSR calculator answers 'how much you can borrow in the first place.' If you want to know the limit, look at the DSR first, and when you compare the repayment burden within the limit, move on to the loan interest calculator.

Loan repayment or debt-to-income ratio?

Use the loan interest calculator to compare repayment schedules, monthly payments and total interest. Use the debt-to-income ratio calculator to compare those payments with your income. Actual lending terms and eligibility depend on the lender and your contract.

ETF regular-contribution compound calculator vs ETF comparison calculator

The regular-contribution compound calculator looks at the difference that time makes when you hold one product for a long time, and the comparison calculator looks at the difference that the gap in total expense ratio between two products makes. If you want to know 'how long,' it is the former. If you want to know 'which product,' it is the latter.

Compound savings or FIRE goals?

The compound interest calculator models how contributions and assumed returns change savings over time. The FIRE calculator connects spending, savings and a withdrawal-rate assumption to an estimated goal and timeline. Neither guarantees a future balance or retirement date.

Tools to use together

Frequently asked questions

Are Toolvil finance calculators accurate?

These are reference estimates based on published tax rates, rates, and formulas. Each calculator displays the calculation basis, the source, and the review date, and actual billing, loan approval, and taxes follow the latest standards and review of the relevant institution. Before an important decision, check again with official materials.

Are the income or amounts you enter saved on the server?

No. Finance calculators calculate entered values only in the browser and do not send them to a server or save them. Login or installation is not required either.

Which calculator should I use first?

Choose by task: hourly wage for earnings per hour, debt-to-income ratio and loan interest for repayment scenarios, and ETF or FIRE calculators for long-term savings assumptions. Check each tool’s stated scope before interpreting the result.