WhatIPIP tools + free calculators

All calculators

Every calculator in one place, grouped by category. Click any tool to use it right away. No signup, no tracking, no spam.

Finance

26

Mortgage Calculator
Estimate your monthly mortgage payment with principal, interest, property tax, insurance, and HOA. Free, instant, no signup.
Loan Calculator
Calculate your monthly loan payment, total interest, and payoff date. Adds support for extra principal payments to see how much you can save.
US Mortgage Calculator
Estimate a US mortgage payment with US-realistic property tax, insurance, and HOA defaults. Includes principal, interest, and full amortization.
Compound Interest Calculator
See how compound interest grows your savings over time, with optional monthly contributions and adjustable compounding frequency.
ROI Calculator
Calculate return on investment for stocks, real estate, side projects, or any asset. See total ROI plus the annualized rate.
Savings Calculator
Project the balance of any savings account with a starting amount, monthly deposits, and a chosen interest rate. See what you accumulate over time.
Inflation Calculator
See what an amount of money will be worth after inflation. Project purchasing power loss over any horizon at any inflation rate.
Retirement Calculator
Project your retirement nest egg from current savings, monthly contributions, and expected returns. See real spending power after inflation and a safe withdrawal rate.
Investment Calculator
Project how a starting amount and regular monthly contributions grow over time at a chosen rate of return. See total contributions and total growth.
SaaS Metrics Calculator
Calculate MRR, ARR, annualized churn, customer lifetime value, LTV to CAC ratio, and CAC payback for any subscription business.
Ecommerce Profit Margin Calculator
Calculate ecommerce profit margins, markup, processor fees, and monthly net profit projections. Adjust price, COGS, shipping, and fees in real time.
Business Break-Even Calculator
Calculate the number of units and revenue required to break even given your fixed costs, sale price, and variable cost per unit.
House Affordability Calculator (Max Home Price by Income)
Estimate the maximum home price you can afford given income, debts, down payment, mortgage rate, and the back-end DTI ratio. Includes property tax and insurance assumptions.
Rental Property Yield Calculator (Cap Rate + Cash-on-Cash)
Calculate cap rate, gross yield, net operating income, and cash-on-cash return for a rental property investment. Accounts for vacancy, expenses, and mortgage debt service.
Refinance Break-Even Calculator (Months to Recoup Closing)
Calculate how many months it takes for refinance savings to cover closing costs. Compares current and new monthly payments and shows net savings over the remaining term.
Car Loan vs Lease Calculator (Total Cost of Ownership)
Compare the total cost of buying a car with a loan versus leasing. Includes residual value, down payments, monthly payments, and effective per-month cost.
Term Life Insurance Coverage Calculator (DIME Method)
Estimate how much term life insurance you need using the DIME method: Debt + Income replacement + Mortgage + Education for children + Final expenses.
Tip Calculator and Bill Splitter (Per Person Total)
Split a restaurant bill including sales tax and tip across a group. Returns per-person total, the tip amount, and the tax amount separately.
Disability Insurance Coverage Calculator (Income Protection)
Estimate the monthly disability income coverage you need to protect against disability, accounting for employer LTD, SSDI offset, and replacement target.
Umbrella Insurance Policy Calculator (Coverage Limit)
Estimate the umbrella insurance policy limit you need based on assets and income exposure. Compares against current home and auto liability limits.
EV vs Gas Car Break-Even Calculator (Years to Recoup Premium)
Calculate how many years until an EV's lower fuel and maintenance costs offset the higher upfront purchase price. Comparable to a typical mid-size gas car.
Vehicle Depreciation Calculator (Year-by-Year Value Curve)
Project a vehicle's depreciation curve year by year using stepped rates for years 1, 2-5, and 6+. Estimates resale value, total depreciation, and average annual loss.
Cost to Raise a Child Calculator (USDA-Based Estimates)
Estimate the total cost of raising a child from birth to age 17, using USDA Expenditures on Children by Families data adjusted for income and region.
529 Plan Growth Calculator (Tax-Free + State Deduction)
Project the tax-free growth of a 529 college savings plan and estimate the state tax deduction. Compounds monthly contributions over the years until college.
BRRRR ROI Calculator (Buy, Rehab, Rent, Refinance, Repeat)
Calculate ROI for the BRRRR real estate strategy: Buy, Rehab, Rent, Refinance, Repeat. Returns cash-on-cash, cash left in deal, and total ROI at refi.
College Savings Goal Calculator (Required Monthly Contribution)
Calculate the monthly contribution required to hit a college savings target by a specific year, given current savings and expected investment return.

Salary & Tax

103

Tax

3

Health

11

Crypto

1

Crypto Profit Calculator
Calculate your crypto trade profit after exchange fees and capital gains tax. Built for Bitcoin, Ethereum, and any token.

Creator Economy

1

YouTube Earnings Calculator
Estimate monthly YouTube ad earnings based on views, channel niche, and audience country. Free, transparent, no signup required.

Freelance

1

Freelance Hourly Rate Calculator
Find the freelance hourly rate you need to charge to hit your income goal after taxes, business expenses, and realistic utilization.