Financially advanced. Privacy first.
Free browser-based financial & investment calculators
Six precision instruments for freelancers, investors and borrowers - compounding engines, capital-gains estimators and amortization schedules that run entirely on your device.
- No sign-up
- No data leaves your device
- Instant results
Calculator directory
Freelance Rate & Runway
Price your time with precision. Derive the minimum profitable hourly rate from your target income, overhead, taxes and billable hours - then measure how many months your savings can carry you.
- Reverse-engineers your minimum rate
- Monthly tax reserve target
- Liquid runway tracker
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FIRE & Early Retirement
Simulate compound growth toward financial independence. Model contributions, returns and inflation to find your FIRE number, your independence date and your coast-FI threshold.
- Inflation-adjusted FIRE number
- Month-by-month compounding
- Coast FI threshold
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Crypto & Stock Tax
Estimate capital gains tax, exchange fees and true net profit on any crypto or stock trade before you exit the position. Break-even pricing, ROI and profit margin included.
- Both trading legs modeled
- Capital gains tax estimate
- Break-even sell price
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Loan Payoff & Amortization
See every payment of your mortgage or loan laid bare. Full amortization schedule, principal-vs-interest splits, payoff dates, and how extra payments slash years and interest.
- Payment-by-payment schedule
- Principal vs interest donut
- Extra-payment savings
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Compound Interest
See how deposits snowball with compound interest. Model monthly contributions, compounding frequency and time to get the future value, total interest and effective APY of any plan.
- Future value with contributions
- APY across compounding frequencies
- Rule of 72 + growth chart
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Savings Goal
Work backwards from any savings goal. Enter your target, deadline and current savings to get the exact monthly amount, when you will hit each milestone and how much interest covers.
- Reverse-engineered monthly amount
- Milestone and halfway dates
- Interest vs deposits split
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The instrument panel
Built like an editorial, not a spreadsheet
Precision math
Every calculator shows the exact formula it uses, translated into plain language before you type a single number. No black boxes, no hidden assumptions, no hand-waving. If a figure appears on your screen, you can trace exactly how it got there - and verify it by hand if you want to.
Editorial clarity
Serif-italic accents, uppercase discipline and generous white space make these tools as pleasant to read as to use. Each page is edited like an article: one idea per section, numbers where you expect them, jargon defined the moment it appears. Financial software rarely feels this considered.
Zero friction
No accounts, no paywalls, no cookie walls, no email required. Open a page and calculate - that is the entire onboarding flow. Everything works on mobile, on a slow connection, and offline once the page has loaded.
Your numbers never leave the room.
Privacy isn’t a feature. It’s the architecture.
Every calculator on FinYield executes in your browser with plain JavaScript. There are no servers to query, no databases to write to, and no analytics pipeline waiting to swallow your inputs. Your salary, your portfolio, your loan balance - computed, rendered and discarded entirely on your own device.
All calculations are processed locally in your browser. No financial data is sent to external servers.
- No accounts, no emails, no tracking pixels
- Works offline once loaded
- Open formulas you can audit
Free financial calculators, no strings attached
FinYield is a directory of browser-based financial calculators built for people who want answers without handing over their personal data. Set a freelance hourly rate that actually covers taxes and overhead. Model a FIRE early retirement date with inflation-adjusted compounding. Estimate crypto capital gains tax before you exit a position, walk through a complete loan amortization schedule payment by payment, watch deposits snowball with compound interest, or work backwards from any savings goal. Each tool lives on a single page - enter your numbers, read the results, and be done in under a minute.
Everything here is privacy-first by construction: the math runs in your browser, not on a server, so your figures are never transmitted, stored or sold. There are no accounts to create and no premium tiers - the calculators are free forever, work on mobile, and keep working offline once loaded. When you are ready to run the numbers, jump back to the directory.