⭐ Starlight Tools / Finance Tools

Finance Tools

Free browser-based finance calculators for budgeting, loans, mortgages, ROI, investing, and taxes. Everything runs locally for privacy. Try our ROI Calculator, Mortgage Repayment Calculator, Compound Interest Calculator, or Budget Planner.

Finance Percentage Calculator — Find the percentage of a number, determine percentages, and more.

Percentage Calculator

Find the percentage of a number, determine percentages, and more. v1.0

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Finance Percentage Change Calculator — Quantify the increase or decrease between two values.

Percentage Change Calculator

Quantify the increase or decrease between two values. v1.0

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Finance NPV & IRR Calculator — Edit a cash-flow table, toggle periods or exact dates (XNPV/XIRR), and import/export CSV — all client-side for privacy.

NPV & IRR Calculator

Edit a cash-flow table, toggle periods or exact dates (XNPV/XIRR), and import/export CSV — all client-side for privacy. v1.0

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Finance Perpetuity Calculator — Compute PV for level, due, or growing perpetuities — or solve for cash flow (C), discount rate (r), or growth (g). 100% client-side.

Perpetuity Calculator

Compute PV for level, due, or growing perpetuities — or solve for cash flow (C), discount rate (r), or growth (g). 100% client-side. v1.0

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Finance New vs Old Car Cost Calculator — Compare TCO side-by-side: purchase/financing, fuel or electricity, maintenance, insurance, fees, and resale. Shows NPV, EAC, and cost...

New vs Old Car Cost Calculator

Compare TCO side-by-side: purchase/financing, fuel or electricity, maintenance, insurance, fees, and resale. Shows NPV, EAC, and cost per mile. 100% client-side. v1.0

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Finance Amortization Calculator — Compute loan payments, total interest, and an amortization schedule. Supports multiple currencies and flexible term units (days, months, years).

Amortization Calculator

Compute loan payments, total interest, and an amortization schedule. Supports multiple currencies and flexible term units (days, months, years). v1.0

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Finance Payback Time Calculator — Compute simple & discounted payback with annual or monthly cash flows, custom schedules, CSV export, and an interactive chart.

Payback Time Calculator

Compute simple & discounted payback with annual or monthly cash flows, custom schedules, CSV export, and an interactive chart. v1.0

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Finance Annuity PV/FV & Break-Even — Calculate PV/FV (ordinary/due or growing), break-even units & revenue, plus margin and markup — 100% client-side.

Annuity PV/FV & Break-Even

Calculate PV/FV (ordinary/due or growing), break-even units & revenue, plus margin and markup — 100% client-side. v1.0

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Finance Discrete Compounding Calculator — PV/FV for lump sums & annuities, rate/period solvers, and APR↔EAR — all client-side.

Discrete Compounding Calculator

PV/FV for lump sums & annuities, rate/period solvers, and APR↔EAR — all client-side. v1.0

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Finance VAT & Sales Tax Calculator — Add or remove VAT (UK/EU) or sales tax (US). Choose standard/reduced/zero rates—or type your own. Client-side & private.

VAT & Sales Tax Calculator

Add or remove VAT (UK/EU) or sales tax (US). Choose standard/reduced/zero rates—or type your own. Client-side & private. v1.0

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Finance Salary↔Hourly Converter — Convert annual salaries to hourly wages and vice versa, with after-tax estimation.

Salary↔Hourly Converter

Convert annual salaries to hourly wages and vice versa, with after-tax estimation. v1.0

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Finance Hourly → Annual Salary Calculator — Convert hourly wage into weekly, monthly, and annual pay. Supports overtime and optional after-tax estimate.

Hourly → Annual Salary Calculator

Convert hourly wage into weekly, monthly, and annual pay. Supports overtime and optional after-tax estimate. v1.0

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Finance Budget Planner — 50/30/20 Rule — Plan a monthly budget using the 50/30/20 rule with targets, progress bars, and a friendly donut chart. Private, client-side.

Budget Planner — 50/30/20 Rule

Plan a monthly budget using the 50/30/20 rule with targets, progress bars, and a friendly donut chart. Private, client-side. v1.0.0

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Finance Emergency Fund Calculator — Work out a calm, realistic cash buffer with months-of-cover targets, progress bars, and a live timeline chart. Private, client-side.

Emergency Fund Calculator

Work out a calm, realistic cash buffer with months-of-cover targets, progress bars, and a live timeline chart. Private, client-side. v1.0.0

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Finance Tip Calculator — Calculate tips instantly. Choose %, split the bill, include/exclude tax, and apply rounding — all private in your browser.

Tip Calculator

Calculate tips instantly. Choose %, split the bill, include/exclude tax, and apply rounding — all private in your browser. v1.0

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Finance Restaurant Bill Splitter & Tip Calculator — Type items, prices, and quantities to split the check instantly. Add tip by % or fixed amount—mobile-first, 100% client-side.

Restaurant Bill Splitter & Tip Calculator

Type items, prices, and quantities to split the check instantly. Add tip by % or fixed amount—mobile-first, 100% client-side. v1.0

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Finance Shipping Cost Calculator — FOB vs CFR — Enter price, freight, insurance %, duty %, VAT %, destination fees, quantity, and FX. Get CIF, duty, VAT, total landed, and...

Shipping Cost Calculator — FOB vs CFR

Enter price, freight, insurance %, duty %, VAT %, destination fees, quantity, and FX. Get CIF, duty, VAT, total landed, and per-unit. 100% client-side. v1.0

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Finance CD Calculator — Estimate maturity value and total interest from principal, APY/APR, compounding, and term — 100% client-side.

CD Calculator

Estimate maturity value and total interest from principal, APY/APR, compounding, and term — 100% client-side. v1.0

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Finance Discount Rates Calculator — Single vs. stacked discounts with equivalent rate, compare options, and reverse target pricing — tax-aware.

Discount Rates Calculator

Single vs. stacked discounts with equivalent rate, compare options, and reverse target pricing — tax-aware. v1.0

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Finance Markup & Margin Calculator — Convert markup ↔ margin, price from cost, profit per unit, and scenario compare — all client-side.

Markup & Margin Calculator

Convert markup ↔ margin, price from cost, profit per unit, and scenario compare — all client-side. v1.0

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Finance Cash Conversion Cycle (CCC) Calculator — Compute DIO, DSO, DPO, and CCC days from your period data—date-based or custom length. Private, client-side.

Cash Conversion Cycle (CCC) Calculator

Compute DIO, DSO, DPO, and CCC days from your period data—date-based or custom length. Private, client-side. v1.0.0

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Credit & Debt Tools

Finance Loan Calculator — Calculate monthly payments and view a full repayment schedule.

Loan Calculator

Calculate monthly payments and view a full repayment schedule. v1.0

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Finance Mortgage Repayment Calculator — Estimate mortgage payments, total interest, and view a full amortization schedule.

Mortgage Repayment Calculator

Estimate mortgage payments, total interest, and view a full amortization schedule. v1.0

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Finance ARR Calculator — Compute Accounting Rate of Return (ARR) using initial or average investment. Simple or detailed mode with depreciation & tax.

ARR Calculator

Compute Accounting Rate of Return (ARR) using initial or average investment. Simple or detailed mode with depreciation & tax. v1.0

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Finance Mortgage vs Renting Calculator — Compare buying vs renting over time — monthly costs, equity build, and cumulative net cost with a simple chart. 100% client-side and...

Mortgage vs Renting Calculator

Compare buying vs renting over time — monthly costs, equity build, and cumulative net cost with a simple chart. 100% client-side and private. v1.0

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Finance Loan Comparison Calculator — Compare two loans side by side, add extra payments, and see early payoff dates and interest saved.

Loan Comparison Calculator

Compare two loans side by side, add extra payments, and see early payoff dates and interest saved. v1.0

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Finance Auto Loan Calculator — Estimate car payments with down payment, trade-in, taxes, fees, APR, and term. Includes amortization schedule.

Auto Loan Calculator

Estimate car payments with down payment, trade-in, taxes, fees, APR, and term. Includes amortization schedule. v1.0

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Finance APR ↔ APY Converter & CAGR — Convert APR⇄APY (AER/EAR) with custom compounding—including daily (360/365) and continuous—plus a fast CAGR calculator. 100% client-side.

APR ↔ APY Converter & CAGR

Convert APR⇄APY (AER/EAR) with custom compounding—including daily (360/365) and continuous—plus a fast CAGR calculator. 100% client-side. v1.0

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Finance Debt Snowball & Avalanche Calculator — Plan your debt payoff with Snowball (smallest balance first) or Avalanche (highest APR first), rolling payments, and a clear...

Debt Snowball & Avalanche Calculator

Plan your debt payoff with Snowball (smallest balance first) or Avalanche (highest APR first), rolling payments, and a clear monthly timeline. 100% client-side. v1.0.0

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Finance Debt Avalanche Calculator — Target the highest APR first, roll payments forward, and see your payoff date, total interest, and monthly timeline. 100% client-side.

Debt Avalanche Calculator

Target the highest APR first, roll payments forward, and see your payoff date, total interest, and monthly timeline. 100% client-side. v1.0.0

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Finance Minimum Credit Card Payment Calculator — Estimate your minimum payment, months to pay off, and total interest. Supports “% of balance” and “greater of % or fixed”....

Minimum Credit Card Payment Calculator

Estimate your minimum payment, months to pay off, and total interest. Supports “% of balance” and “greater of % or fixed”. Private, client-side. v1.0.0

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Finance Debt Consolidation Calculator — Compare a consolidation loan’s monthly payment and total interest against your current debts. Includes fees, term, and savings...

Debt Consolidation Calculator

Compare a consolidation loan’s monthly payment and total interest against your current debts. Includes fees, term, and savings estimate. Private, client-side. v1.0.0

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Finance Debt-to-Income (DTI) Ratio Calculator — See front-end (housing) and back-end (total) DTI from monthly or annual income. Friendly thresholds, clear tips. Private...

Debt-to-Income (DTI) Ratio Calculator

See front-end (housing) and back-end (total) DTI from monthly or annual income. Friendly thresholds, clear tips. Private, client-side. v1.0.0

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Finance Loan Affordability Calculator — Find a calm, realistic max payment, loan amount, and (mortgage mode) home price using income, debts, and DTI caps. Private, client-side.

Loan Affordability Calculator

Find a calm, realistic max payment, loan amount, and (mortgage mode) home price using income, debts, and DTI caps. Private, client-side. v1.0.0

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Finance Refinance Break-Even Calculator — See months to break even, monthly savings, and interest comparison with costs/points and rolled-in fees.

Refinance Break-Even Calculator

See months to break even, monthly savings, and interest comparison with costs/points and rolled-in fees. v1.0.0

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Finance Credit Card Payoff Time Calculator — See months to payoff from a fixed monthly payment, estimated interest, and an amortization table. Includes a payment solver.

Credit Card Payoff Time Calculator

See months to payoff from a fixed monthly payment, estimated interest, and an amortization table. Includes a payment solver. v1.0.0

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Investment & Returns Tools

Finance ROI Calculator — Calculate Return on Investment (ROI) and annualized returns.

ROI Calculator

Calculate Return on Investment (ROI) and annualized returns. v1.0

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Finance ROI by Project / Business Line Calculator — Calculate per-project ROI, gain, fees, CAGR, and portfolio weighted ROI. Date or length mode. Private, client-side.

ROI by Project / Business Line Calculator

Calculate per-project ROI, gain, fees, CAGR, and portfolio weighted ROI. Date or length mode. Private, client-side. v1.0.0

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Finance Rule of 72 Calculator — Estimate years to double your money—or the required rate—using the classic Rule of 72. Compare with exact compounding. Private, client-side.

Rule of 72 Calculator

Estimate years to double your money—or the required rate—using the classic Rule of 72. Compare with exact compounding. Private, client-side. v1.0.0

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Finance Simple Interest Calculator — Calculate simple interest and the total amount instantly.

Simple Interest Calculator

Calculate simple interest and the total amount instantly. v1.0

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Finance Compound Interest Calculator — Project your financial growth with contributions and inflation adjustment.

Compound Interest Calculator

Project your financial growth with contributions and inflation adjustment. v1.0

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Finance Simple vs Compound Interest — Compare simple vs compound totals with compounding frequency options and a clean growth chart — 100% client-side & private.

Simple vs Compound Interest

Compare simple vs compound totals with compounding frequency options and a clean growth chart — 100% client-side & private. v1.0

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Finance Compound Interest Table Generator — Generate tables across rates (0.25%–100%) with custom step, EAR/APR conversion, CSV export, and an interactive graph.

Compound Interest Table Generator

Generate tables across rates (0.25%–100%) with custom step, EAR/APR conversion, CSV export, and an interactive graph. v1.0

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Finance SIP Calculator — Estimate invested amount, wealth gained, and maturity value for systematic investments — monthly, quarterly, or yearly.

SIP Calculator

Estimate invested amount, wealth gained, and maturity value for systematic investments — monthly, quarterly, or yearly. v1.0

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Finance Bond Calculator — A simple financial tool to calculate a bond's price, yield, coupon, or maturity.

Bond Calculator

A simple financial tool to calculate a bond's price, yield, coupon, or maturity. v1.0

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Finance Stock Return Calculator — Compute total return and CAGR with dividends. DRIP toggle, dividend tax, equity curve, and CSV export.

Stock Return Calculator

Compute total return and CAGR with dividends. DRIP toggle, dividend tax, equity curve, and CSV export. v1.0.0

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Finance Net Income Calculator — Compute Net Income and NOPAT from simple EBIT/EBT inputs or a full operating layout—shows EBITDA, EBT, taxes, and margins. 100% client-side.

Net Income Calculator

Compute Net Income and NOPAT from simple EBIT/EBT inputs or a full operating layout—shows EBITDA, EBT, taxes, and margins. 100% client-side. v1.0

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Finance EBIT & EBITDA Calculator — Compute operating profit (EBIT) and cash proxy (EBITDA) from simple or detailed inputs, with D&A, other operating, and margins.

EBIT & EBITDA Calculator

Compute operating profit (EBIT) and cash proxy (EBITDA) from simple or detailed inputs, with D&A, other operating, and margins. v1.0.0

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Finance Savings Goal / Sinking Fund — Plan by date or budget with live chart, progress bar, and CSV schedule — 100% client-side.

Savings Goal / Sinking Fund

Plan by date or budget with live chart, progress bar, and CSV schedule — 100% client-side. v1.0

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Finance Savings vs. Investing Comparison — Compare cash vs. investing over time with breakeven, inflation-adjusted results, and optional uncertainty band. Download CSV.

Savings vs. Investing Comparison

Compare cash vs. investing over time with breakeven, inflation-adjusted results, and optional uncertainty band. Download CSV. v1.0.0

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Finance Inflation-Adjusted Return (Real Return) Calculator — Compute real returns from nominal & inflation (Fisher), or from values using CPI. Also solve the nominal needed...

Inflation-Adjusted Return (Real Return) Calculator

Compute real returns from nominal & inflation (Fisher), or from values using CPI. Also solve the nominal needed for a target real return. Private, in-browser. v1.0.0

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Finance Retirement Planner — Adjust savings, age, returns, and inflation with live charts to see if your retirement goals are on track.

Retirement Planner

Adjust savings, age, returns, and inflation with live charts to see if your retirement goals are on track. v1.0

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Finance FIRE Calculator — Estimate time to Financial Independence from spending (SWR) or a target number, with inflation-aware projections and a live chart. Private, client-side.

FIRE Calculator

Estimate time to Financial Independence from spending (SWR) or a target number, with inflation-aware projections and a live chart. Private, client-side. v1.0.0

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Finance Retirement Withdrawal / 4% Rule Simulator — Simulate the classic 4% rule, flat nominal withdrawals, or a custom % rule. Monthly compounding, annual COLA...

Retirement Withdrawal / 4% Rule Simulator

Simulate the classic 4% rule, flat nominal withdrawals, or a custom % rule. Monthly compounding, annual COLA, inflation-adjusted results, and a live chart. Private, client-side. v1.0.0

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Finance Rebalancing Impact Calculator — Compare Buy & Hold vs periodic and threshold rebalancing. Paste returns or simulate, see returns/vol/drawdowns, turnover & trading...

Rebalancing Impact Calculator

Compare Buy & Hold vs periodic and threshold rebalancing. Paste returns or simulate, see returns/vol/drawdowns, turnover & trading cost impact. Private, client-side. v1.0.0

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Finance Investment Goal Tracker — Plan by date or monthly budget with return, fees, inflation, and optional volatility. Live chart, success probability, CSV. Private...

Investment Goal Tracker

Plan by date or monthly budget with return, fees, inflation, and optional volatility. Live chart, success probability, CSV. Private, client-side. v1.0.0

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Finance Dividend Reinvestment (DRIP) Calculator — Model DRIP with yield or DPS, dividend growth, price growth, tax, and contributions. Fractional shares, live chart, CSV....

Dividend Reinvestment (DRIP) Calculator

Model DRIP with yield or DPS, dividend growth, price growth, tax, and contributions. Fractional shares, live chart, CSV. Private, client-side. v1.0.0

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Finance Time-Weighted Return (TWR) Calculator — Link subperiod returns or use Modified Dietz for intra-period flows. Friendly table input, growth chart, CAGR, CSV. Private...

Time-Weighted Return (TWR) Calculator

Link subperiod returns or use Modified Dietz for intra-period flows. Friendly table input, growth chart, CAGR, CSV. Private, client-side. v1.0.0

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Finance Portfolio Return (Weighted Average ROI) Calculator — Enter holdings to see per-position ROI, invested-weighted & value-weighted averages, optional CAGR, and a quick...

Portfolio Return (Weighted Average ROI) Calculator

Enter holdings to see per-position ROI, invested-weighted & value-weighted averages, optional CAGR, and a quick contribution chart. 100% client-side.

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Macro-Economic & Inflation Tools

Finance GDP Calculator — Calculate Gross Domestic Product (GDP) using the Expenditure and Income approaches.

GDP Calculator

Calculate Gross Domestic Product (GDP) using the Expenditure and Income approaches. v1.0

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Finance Inflation Calculator — Compute expected inflation (Fisher), forward rates, and inflate/deflate amounts using CPI — all private, client-side.

Inflation Calculator

Compute expected inflation (Fisher), forward rates, and inflate/deflate amounts using CPI — all private, client-side. v1.0

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Finance PPP Calculator — Purchasing Power Parity — Convert amounts between countries using PPP conversion factors or CPI + FX. Private, client-side.

PPP Calculator — Purchasing Power Parity

Convert amounts between countries using PPP conversion factors or CPI + FX. Private, client-side. v1.0.0

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Finance Interest Rate Parity Calculator — Price FX forwards (CIP), solve implied interest rates, or estimate expected spot (UIP). Private, client-side.

Interest Rate Parity Calculator

Price FX forwards (CIP), solve implied interest rates, or estimate expected spot (UIP). Private, client-side. v1.0.0

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Finance Real GDP Growth Adjustment Calculator — Convert nominal to real growth (Fisher), deflate levels with indices, and chain periods. Private, client-side.

Real GDP Growth Adjustment Calculator

Convert nominal to real growth (Fisher), deflate levels with indices, and chain periods. Private, client-side. v1.0.0

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Finance Inflation Impact on Salary — Calculate real raises, break-even raises, CPI-based salary adjustments, and multi-year purchasing power. Private, client-side.

Inflation Impact on Salary

Calculate real raises, break-even raises, CPI-based salary adjustments, and multi-year purchasing power. Private, client-side. v1.0.0

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Finance Exchange Rate Impact on Investments — Compare unhedged vs hedged returns, decompose FX effects, run scenarios, and find break-even FX. Private, client-side.

Exchange Rate Impact on Investments

Compare unhedged vs hedged returns, decompose FX effects, run scenarios, and find break-even FX. Private, client-side. v1.0.0

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Insurance Tools

Finance Car Insurance Cost Estimator — Estimate an illustrative annual premium with a transparent factor breakdown — private, in-browser. Not a quote or advice.

Car Insurance Cost Estimator

Estimate an illustrative annual premium with a transparent factor breakdown — private, in-browser. Not a quote or advice. v1.0

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Finance Life Insurance Calculator — Educational level-term premium estimator using survival probabilities & PV math. CSV export. Private, client-side (not a quote).

Life Insurance Calculator

Educational level-term premium estimator using survival probabilities & PV math. CSV export. Private, client-side (not a quote). v1.0

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Finance Health Insurance Cost Estimator — Estimate total annual cost — premiums + out-of-pocket with deductible, copays, coinsurance, and OOP max. Private, client-side.

Health Insurance Cost Estimator

Estimate total annual cost — premiums + out-of-pocket with deductible, copays, coinsurance, and OOP max. Private, client-side. v1.0

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Finance Dental Insurance Cost Estimator — Estimate annual cost — premiums + your share after deductible & coinsurance, with plan annual max and ortho lifetime max. Private...

Dental Insurance Cost Estimator

Estimate annual cost — premiums + your share after deductible & coinsurance, with plan annual max and ortho lifetime max. Private, client-side. v1.0

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Finance Travel Insurance Cost Estimator — Estimate a single-trip premium with duration, region, age, medical limit, cancellation, baggage, sports, and excess. Private...

Travel Insurance Cost Estimator

Estimate a single-trip premium with duration, region, age, medical limit, cancellation, baggage, sports, and excess. Private, client-side. v1.0

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Finance Business Insurance Cost Estimator — Transparent, educational estimator for GL, Property, Workers’ Comp, and Professional/Cyber. CSV export & client-side privacy.

Business Insurance Cost Estimator

Transparent, educational estimator for GL, Property, Workers’ Comp, and Professional/Cyber. CSV export & client-side privacy. v1.0

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Finance House Insurance Cost Estimator — Estimate an illustrative annual premium with a transparent factor breakdown. Private, client-side, and educational.

House Insurance Cost Estimator

Estimate an illustrative annual premium with a transparent factor breakdown. Private, client-side, and educational. v1.0

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Finance Apartment / Flat Insurance Estimator — Estimate an illustrative annual premium for renters & condo/leasehold owners with a clear factor breakdown (contents, floor...

Apartment / Flat Insurance Estimator

Estimate an illustrative annual premium for renters & condo/leasehold owners with a clear factor breakdown (contents, floor level, sprinklers, security, location, excess). Private, client-side. v1.0

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Finance Renters Insurance Cost Estimator — Estimate an illustrative HO-4 premium with a transparent factor breakdown, endorsements & discounts. Private, client-side.

Renters Insurance Cost Estimator

Estimate an illustrative HO-4 premium with a transparent factor breakdown, endorsements & discounts. Private, client-side. v1.0

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Finance Pet Insurance Cost Estimator — Estimate an illustrative monthly & annual premium for dogs & cats with a transparent factor breakdown (species, breed risk, age...

Pet Insurance Cost Estimator

Estimate an illustrative monthly & annual premium for dogs & cats with a transparent factor breakdown (species, breed risk, age, weight, vet-cost index, plan design). Private, client-side. v1.0

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Cryptocurrency Tools

Finance Bitcoin Unit Converter — Convert between BTC, satoshi (sats), mBTC, and μBTC (bits). Private, in-browser.

Bitcoin Unit Converter

Convert between BTC, satoshi (sats), mBTC, and μBTC (bits). Private, in-browser. v1.0.0

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Finance Mining Profitability Calculator — Hashrate, power, electricity price, difficulty & block reward → daily/monthly profit, breakeven, ROI. Private, in-browser.

Mining Profitability Calculator

Hashrate, power, electricity price, difficulty & block reward → daily/monthly profit, breakeven, ROI. Private, in-browser. v1.0.0

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Finance Crypto Transaction Fee Calculator — Tx size (bytes) × sat/vB → fee in sats, BTC, and fiat using your BTC price. Private, in-browser.

Crypto Transaction Fee Calculator

Tx size (bytes) × sat/vB rate → total fee in sats, BTC, and fiat (using your BTC price). No APIs; 100% client-side. v1.0.0

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Finance Crypto Portfolio Diversification Calculator — Enter holdings and prices to see allocations, concentration, and equal-weight rebalance suggestions. Private, client-side.

Crypto Portfolio Diversification Calculator

Enter holdings and prices to see allocations, concentration, and an equal-weight rebalance suggestion. Private, client-side. v1.0.0

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Finance Crypto Profit/Loss Calculator — Buy price, sell price, quantity, and fees → instant P/L, ROI %, breakeven, and fee breakdown. Private, in-browser.

Crypto Profit/Loss Calculator

Buy price, sell price, quantity, and fees → instant P/L, ROI %, breakeven, and fee breakdown. Private, in-browser. v1.0.0

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Finance Crypto Loan Collateral Calculator — Loan amount, target LTV, and liquidation threshold → required collateral, buffer to liquidation, and optional liquidation price. Private, in-browser.

Crypto Loan Collateral Calculator

Loan amount, target LTV, and liquidation threshold → required collateral value, overcollateralization, and buffer to liquidation. Optional price shows units and liquidation price. Private, in-browser. v1.0.0

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Finance Crypto DCA Calculator — Recurring amount, frequency, and dates → average cost basis, total invested, fees, and unrealized P/L. Private, in-browser.

Crypto DCA Calculator

Recurring amount, frequency, and dates → average cost basis, total invested, fees, and unrealized P/L. Private, in-browser. v1.0.0

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Finance Crypto Impermanent Loss Calculator — Price change in a 50/50 AMM pair → IL %, LP vs HODL value. Private, client-side.

Crypto Impermanent Loss Calculator

Price change in a 50/50 liquidity pair → impermanent loss %, LP value, and HODL comparison. Educational, client-side. v1.0.0

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Finance Crypto Retirement Calculator — Monthly DCA, projected rate, and target → time to goal (months/years). Private, client-side.

Crypto Retirement Calculator

Monthly DCA, projected growth rate, and a target balance → estimated months and years to goal. Private, in-browser. v1.0.0

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Finance HODL Time Value Calculator — Initial amount, final value, and time held → ROI, CAGR, and gap vs benchmark. Client-side.

HODL Time Value Calculator

Initial amount, time held, and final value → ROI, annualized CAGR, and comparison to a benchmark return. Private, in-browser. v1.0.0

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Finance Crypto Staking Rewards Calculator — Estimate rewards and final balance from amount, APY %, and time. Fixed-rate, client-side, private.

Crypto Staking Rewards Calculator

Estimate staking rewards and final balance from amount, APY %, and time. Fixed-rate assumption, 100% client-side. v1.0.0

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Finance Tools — FAQs

Are these finance tools accurate?

They use standard formulas and are accurate for educational and planning purposes, but they are not financial advice.

Do the tools run entirely in my browser?

Yes, calculations run client-side in your browser and no input data is sent to a server.

Can I change compounding frequency and contribution timing?

Yes, most calculators let you select compounding frequency and whether contributions occur at the start or end of each period.

Which currencies and number formats are supported?

You can enter any numbers; currency symbols are for display only and results scale with your chosen units.

Can I save or share my results?

You can bookmark the tool and export or copy results where available; some tools also support printing.

Will my inputs be stored?

No, inputs are not stored by Starlight Tools; you can clear or refresh the page to reset fields.

Who should I contact about bugs or feature requests?

Please use the contact link on the homepage or the relevant GitHub issue tracker if provided.

About These Finance Tools

Starlight Tools offers privacy-first finance calculators for budgeting, debt payoff, mortgages, investing, and business metrics. Every calculation runs in your browser so your numbers stay on your device.

Popular picks include the ROI Calculator, Mortgage Repayment Calculator, Compound Interest Calculator, Budget Planner, and Debt Snowball Calculator. Use them anytime to plan smarter money decisions.