Finance tools

Open Finance tools on Happytails.ai. This view has the same page content and links, with explicit tool capabilities. Read the processing notes before using a tool.

Page guide

Find the right tool and get straight to your task.

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Mortgage payment

Estimate principal and interest payments for a fixed-rate mortgage.

Compound interest

Calculate growth from regular compounding at a fixed rate.

Loan payment

Estimate monthly payments on a fixed-rate loan.

Salary to hourly calculator

Turn annual pay into an hourly estimate.

Pay raise calculator

See what a percentage raise means per hour and per year.

Overtime calculator

Calculate regular pay, overtime pay and their total.

Savings goal

Estimate the monthly contribution needed to reach a savings goal.

Compare keeping a credit card balance where it is with moving it to a promotional card. See the transfer fee, the interest on each path, the payoff month and what the transfer saves or costs with the same monthly payment.

Balloon payment calculator

Work out the balloon left on a loan when regular payments stop before the loan is fully repaid. See the monthly payment, the interest paid, the balloon amount and the final payment, with the full schedule.

Bonus pool allocation calculator

Split a fixed bonus pool across employees by base pay, target percentage and rating, or by your own weights. Awards add up to the pool exactly, to the cent.

Gift budget planner

Compare what you have spent and still plan to spend on gifts with a budget for each person, with exact totals and anyone over budget flagged.

Pet expense tracker

Add up what you spend on your pets by category, pet or month, and see what repeating costs such as food or insurance will add up to by a date you choose. Paste a JSON backup from this tool to restore saved entries.

Rent versus buy calculator

Compare the cost of buying a home with renting a similar one over the years you choose. See home equity, owner costs, rent, the investment growth a renter keeps and the year buying starts to cost less, all from your own assumptions.

Savings account comparison calculator

Compare up to 10 savings accounts with their own rates, crediting frequency, fees and opening deposits under the same monthly contribution. See the closing balance, interest and fees for each account, ranked from best to worst.

Savings withdrawal calculator

See how long a savings balance lasts with monthly withdrawals, or find the largest monthly withdrawal that lasts for the months you choose. Interest, yearly increases and the month the money runs out are shown in a full schedule.

Subscription cost calculator

Convert weekly, monthly, yearly and other recurring plans into one monthly and yearly total. Includes first-year cost after free trial months.

Currency converter

Convert an amount between currencies and check the rate used.

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About finance tools

These free financial calculators help you plan borrowing, saving and pay. The Mortgage payment and Loan payment calculators estimate monthly costs, while Compound interest and Simple interest show how money grows. Salary to hourly, Pay raise and Overtime calculators turn pay figures into terms you can compare. For bigger decisions, try the Rent versus buy, Balance transfer, Savings goal and Savings withdrawal calculators.

Run the same scenario more than once with different rates or terms. A small change in interest rate or loan length can shift the total cost far more than the monthly payment suggests, so compare totals as well as payments.

Popular finance tools

Common questions

Does the mortgage calculator include taxes and insurance?

The Mortgage payment calculator estimates principal and interest from the loan amount, rate and term. Add property tax, insurance and any mortgage insurance or fees separately to estimate your full monthly cost, and confirm the figures with your lender.

Are these calculators financial advice?

No. They apply standard formulas to the numbers you enter and give estimates for planning. Rates, fees and tax rules vary, so speak with a qualified advisor or your lender before making a major financial decision.

Is my financial information stored?

The Mortgage payment, Compound interest, Loan payment and pay calculators run in your browser. The numbers you enter are not sent to our server and are cleared when you close or reload the page.