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CalcOrchard is a growing collection of fast, accurate, beautifully simple calculators. Plug in your numbers, get a clear answer — and actually understand it.
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Compound Interest Calculator See how your savings or investments grow over time with compound interest. Add regular contributions and visualise year-by-year growth. Loan & Mortgage Payment Calculator Work out the monthly payment on any loan or mortgage, see the total interest you'll pay, and explore how extra payments help you finish sooner. Savings Goal Calculator Find out how much to save each month to reach a money goal — or how long it will take if you already know your monthly amount. Mortgage Affordability Calculator Estimate the maximum home price and mortgage you can afford based on your income, debts, and down payment. Uses the standard 28/36 qualifying ratios. Percentage Calculator Quickly work out a percentage of a number, what percent one number is of another, and the percentage increase or decrease between two values. Tip Calculator Calculate how much to tip on any restaurant bill. Choose your tip percentage, split it between any number of people, and see exactly what each person pays. ROI Calculator Calculate the return on investment for any project, stock, or business venture. Get simple ROI, annualized ROI, and see whether a gain or loss is worth it. BMI Calculator Calculate your Body Mass Index in metric or imperial units. See your BMI category and where you fall on the standard weight classification scale. Age Calculator Find your exact age in years, months, and days from any birth date. See your next birthday countdown and discover what day of the week you were born. Unit Converter Convert between units of length, weight, temperature, volume, area, and speed instantly. Metric and imperial units — just type a value and get the answer. Currency Converter Convert between 160+ world currencies using live exchange rates. Fast, free, and updated automatically. Discount Calculator Calculate the sale price after a percentage discount, the amount you save, and the discount percentage from original and sale prices. Retirement Calculator Project your retirement nest egg based on current savings, monthly contributions, expected return, and years until retirement. See the monthly income your savings could provide. Inflation Calculator Find out what a dollar was worth in any year from 1913 to today. See how inflation erodes purchasing power over time using US CPI data. GPA Calculator Calculate your weighted GPA from letter grades and credit hours. Supports 4.0, percentage, and letter grade scales. Sleep Calculator Find the best time to sleep or wake up based on 90-minute sleep cycles. Wake up refreshed instead of groggy — this calculator uses the science of REM sleep to time your rest. Calorie / TDEE Calculator Work out your Basal Metabolic Rate (BMR) and Total Daily Energy Expenditure (TDEE) using the Mifflin-St Jeor formula. See how many calories you need to maintain, lose, or gain weight. Date & Time Difference Calculator Find out exactly how many days, weeks, months, and years are between two dates. Also calculate hours and minutes between two times. Hours to Salary Calculator Convert between hourly wage and annual salary. See weekly, monthly, and yearly earnings. Calculate take-home pay after tax. Scientific Notation Calculator Convert numbers between standard, scientific, and engineering notation. Round to significant figures and add, subtract, multiply, or divide numbers in scientific notation. Average Calculator Calculate the mean, median, mode, and range of any set of numbers. Enter your numbers separated by commas and get instant statistical results. Random Number Generator Generate random numbers, roll dice, flip a coin, or pick from a list. Cryptographically random results, instantly. Word & Character Counter Count words, characters, sentences, and paragraphs in any text. Get an estimated reading time and speaking time. Fraction Calculator Add, subtract, multiply, and divide fractions. Simplify fractions to lowest terms and convert between fractions and decimals. Sales Tax Calculator Calculate the final price after sales tax, find the pre-tax price from a total, or work out the tax rate. Supports any tax percentage. Pace Calculator Calculate running pace, speed, distance, or time. Supports miles and kilometres. Find out how fast you need to run for a target race time. Auto Loan Calculator Calculate your monthly car payment including down payment, trade-in value, sales tax, and fees. See total interest and full amortisation. Water Intake Calculator Calculate how much water you should drink each day based on your weight, activity level, and climate. Get a personalised hydration target in ml, litres, or cups. Rent vs Buy Calculator Compare the true cost of renting versus buying a home over any time horizon. Factors in mortgage interest, property tax, maintenance, appreciation, and the opportunity cost of your down payment. Debt Payoff Calculator Enter your credit cards and loans, choose a total monthly payment, and see exactly when you'll be debt-free. Compare the snowball and avalanche methods side by side. Body Fat Percentage Calculator Estimate your body fat percentage using the US Navy method — just tape-measure your waist, neck, and (for women) hips. See where you fall on the body fat scale. US Income Tax Calculator (2024) Estimate your 2024 federal income tax, effective tax rate, and marginal tax bracket. Supports single, married filing jointly, married filing separately, and head of household with the standard deduction. IPv4 Subnet Calculator Calculate network address, broadcast address, usable host range, subnet mask, wildcard mask, and number of hosts for any IPv4 CIDR block. Convert between prefix length and dotted-decimal mask instantly. Dice Roller & Probability Calculator Roll any dice notation (2d6, 4d6kh3, 1d20+5) with cryptographically random results, or compute the exact probability distribution — mean, min, max, and chance of hitting any target number. VAT Calculator Add VAT to a net price or remove VAT from a gross price. Supports UK (20%), Ireland (23%), Germany (19%), France (20%), and every EU rate — plus any custom percentage. Break-Even Point Calculator Find the number of units you need to sell to cover your fixed costs. Enter fixed costs, price per unit, and variable cost per unit — get break-even units, revenue, safety margin, and target-profit units. Markup & Margin Calculator Convert between cost, markup, margin, and selling price. Enter any two values and get the other two instantly. Perfect for pricing products, checking distributor deals, or converting markup % to margin %. UK Stamp Duty Calculator (SDLT) Work out how much Stamp Duty Land Tax you'll pay on a UK property purchase. Handles standard buyers, first-time buyers, and additional / buy-to-let properties, with a full band-by-band breakdown. Freelance Hourly Rate Calculator Work out the hourly rate you need to charge as a freelancer or contractor. Factors in target take-home, taxes, business expenses, holiday, sick days, and non-billable time so you don't undercharge. UK Take-Home Pay Calculator (Salary After Tax) Work out your UK take-home pay after Income Tax, National Insurance, pension and student loan. Enter your gross annual salary and see your monthly, weekly and hourly net pay with a full deduction breakdown. UK Self-Employed Tax Calculator (Sole Trader) Work out how much Income Tax and National Insurance (Class 2 & Class 4) you'll owe as a UK sole trader or self-employed freelancer. Enter your gross profit and get your tax bill, take-home, and payment-on-account estimate. Scottish Take-Home Pay Calculator (Salary After Tax) Work out your Scottish take-home pay after Scottish Income Tax, National Insurance, pension and student loan. Uses all six Scottish tax bands (starter, basic, intermediate, higher, advanced, top) for the 2024/25 tax year. International Money Transfer Cost Calculator Work out how much your bank is really costing you on international transfers. Compare the true cost of a bank vs a mid-market provider (exchange-rate markup + fixed fees) and see how much more your recipient could get. Password Generator Generate strong random passwords with configurable length, character sets, and rules. Cryptographically secure — passwords generated in your browser, never sent anywhere.
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Instant & accurate
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Private by design
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Made to be understood
Each tool explains the formula and what the result means, so you learn while you calculate.