Finance Tools — Free Online Utilities
Finance tools on BoxTool are calculators and planners for personal money decisions, with a few small-business helpers. For borrowing there is a Mortgage Calculator that includes property tax, insurance and PMI, a Loan Amortization Table that splits every payment into principal and interest, a Loan Comparison Calculator for up to three offers side by side, and a Loan Payoff Calculator that contrasts the avalanche and snowball strategies. For saving and planning, the Retirement Calculator projects a balance with inflation adjustment and a 4% rule income estimate, the Savings Goal Calculator tells you how long a target will take, and the 50/30/20 Budget Calculator, Budget Planner and Expense Tracker keep monthly spending in view; the trackers store entries in your browser's localStorage, not on our servers. The Inflation Calculator uses historical US CPI data from 1913 to 2025, and the Tax Calculator estimates US federal income tax with 2024 brackets. Small-business users get an Invoice Generator with tax lines and print-to-PDF, a VAT Calculator, and a Credit Card Validator that runs the Luhn check locally. The Currency Converter ships with a built-in rate table rather than a live feed, so its figures are indicative; Currency Exchange Rates fetches live rates instead. As with the rest of the site, calculations happen in your browser and your income, debts and balances are never transmitted.
All 29 Finance tools
Calculate and track your budget using the 50/30/20 rule.
Track monthly income and expenses, visualize spending by category, and export your budget to CSV.
Compare planned budget against actual spending with visual charts
Validate card numbers with Luhn check and detect card network
Convert between 30 world currencies using a stored snapshot of approximate January 2025 rates — offline, no live data.
Live currency exchange rates and converter
Track personal expenses by category, set monthly budgets, and visualize spending with summaries and trends.
Calculate purchasing power and inflation impact using historical CPI data from 1913–2025.
Project investment growth with compound interest and charts
Create professional invoices with line items, tax calculation, and print-to-PDF support.
Find the maximum loan you can afford based on your income, debts, and the 28/36 rule.
Calculate monthly payments and see a full amortization schedule with principal vs. interest breakdown.
Compare up to 3 loans side by side with visual charts
Estimate loan eligibility based on income, debts, credit score, and loan type.
Calculate how to pay off debt faster with avalanche vs snowball strategies.
Compare the total cost of buying (loan) versus leasing a car or equipment.
Calculate the real cost of a meeting based on attendee count, salaries, and duration with a live cost timer.
Calculate your monthly mortgage payment with taxes, insurance, PMI, and amortization.
Compare 2–3 mortgage offers side-by-side including APR and break-even analysis.
See how much time and interest you save by making extra mortgage payments.
Track assets, liabilities, and visualize your personal net worth
Build a clean one-page resume with live preview and print-to-PDF — no account needed.
Project your retirement savings with compound growth, inflation adjustment, and a 4% rule income estimate.
Calculate how long it takes to reach your savings goal with compound interest.
Generate stylised text signatures or draw freehand and download as PNG.
Filter and sort a demo dataset of 30 well-known stocks.
Estimate your 2024 US federal income tax from the IRS 2024 brackets and standard deduction — no other tax year is modelled.
Compare cost-per-unit across products to find the best shopping value.
Add or remove VAT / sales tax from any amount instantly.