Is my financial data stored?

No. Every calculation: loan interest, invoice data, everything, runs in your browser and is never uploaded or stored.

Can I export my invoices?

Yes, the Invoice Generator produces 4K PDF assets ready for professional submission to clients and accounting software.

How does the Freelancer Income Calculator account for platform fees?

It includes fee structures for major platforms: Upwork (20%/10%/5% tiered), Fiverr (20% flat), and customizable fields for any other platform. It also estimates self-employment tax at 15.3% plus income tax based on your bracket, giving you a realistic take-home pay figure.

Can I use multiple currencies in the GST/VAT Calculator?

Yes. The calculator works with any numeric amount regardless of currency, just enter your price and tax rate. Country-specific presets (UK 20%, Australia 10%, India 18%, Canada 5%) are built in for quick selection.

Does the Currency Converter support cryptocurrency?

Yes. Major cryptocurrencies (BTC, ETH, USDT, BNB) are supported alongside 150+ fiat currencies, with live exchange rates refreshed every 60 seconds.

Studio 04: 11 tools

Finance Calculators

Simple calculators for money decisions: loan and EMI schedules, freelance invoices, YouTube and ad revenue, currency conversion, and tax. Get clear numbers in your browser, nothing you enter is stored.

11 toolsBrowser-basedFree · no signup

WHY IT'S SAFE

Where it runsIn your browser

AccountsNot required

SpeedInstant

Most tools run right on your device. When one needs the internet, we only send what's required.

The tools

Browser-based

Loans & Debt

3 tools

In-browser

Loan & EMI Calculator

Calculate loan EMI payments with a full amortization schedule. See how prepayments save interest and find your debt-free date, free, no signup.

Secure Node→

In-browser

Compound Interest Calculator

Free compound interest calculator. Project investment growth with monthly contributions, custom rates and compounding frequency, see future value, interest earned and a yearly breakdown.

Secure Node→

In-browser

Debt Snowball vs Avalanche Calculator

Free debt snowball vs avalanche calculator. Compare payoff strategies side by side, add extra or lump-sum payments, see your debt-free date, total interest, an amortization schedule and interest saved — no signup, nothing stored.

Secure Node→

Budgeting & Spending

1 tools

In-browser

Subscription Cost Tracker

Free subscription cost tracker. See true monthly, yearly and daily totals, a category donut, a 12-month forecast, budget tracking and savings insights (trials, cancel candidates, annual-plan savings) — no signup, saved privately in your browser.

Secure Node→

Business & Invoicing

3 tools

In-browser

Invoice Generator

Create professional invoices online. Add your logo and brand colour, itemize services, set terms and due dates, auto-calculate tax, discounts and balance due, then download as PDF, free, no account, no data stored.

Secure Node→

In-browser

GST / VAT / Sales Tax Calculator

Add or remove GST, VAT, or sales tax from any price instantly. Includes country rate presets and reverse (tax-inclusive) calculation, free, private, and processed locally.

Secure Node→

In-browser

Profit Margin Calculator

Free profit margin calculator. Enter cost and price to get profit, margin % and markup %, or set a target margin to find the price you should charge.

Secure Node→

Freelance & Income

3 tools

In-browser

Freelancer Income Calculator

Calculate your true freelance income after platform fees, taxes, and overhead. Know your real hourly rate and plan your monthly revenue accurately.

Secure Node→

In-browser

Hourly to Salary Calculator

Free hourly to salary calculator. Convert hourly wage to annual, monthly, weekly and daily pay (or salary back to hourly) based on your hours per week and weeks per year.

Secure Node→

In-browser

YouTube Revenue Calculator

Calculate your estimated YouTube earnings based on views, CPM rates, and niche. See monthly and annual revenue projections after platform fees.

Secure Node→

Currency

1 tools

In-browser

Currency Converter

Convert between 150+ currencies with live exchange rates. Supports major cryptocurrencies and shows real-time market data, free, no signup.

Secure Node→

Why this studio

Why Finance Calculators?

ToolNova's Finance Calculators tools are built to be fast and private. Most run entirely in your browser; when a tool needs the internet, like live data or an SEO check, it sends only what's required and never stores your data.

01Real-time 2026 market benchmarks for CPM, tax rates, and platform fees

02All financial data processed locally, nothing stored or transmitted

03Multi-currency support with live forex rates and crypto conversion

Common Use Cases

Freelancers calculating true take-home pay after Upwork, Fiverr, and self-employment taxes

Small business owners generating professional PDF invoices and computing VAT/GST obligations

YouTube creators forecasting monthly and annual channel revenue by niche and geographic CPM

Individuals comparing loan offers by running full amortization schedules with prepayment scenarios

Frequently Asked Questions

6 questions

Our algorithms use updated 2026 CPM/RPM benchmarks across 40+ niches to provide the most realistic earnings forecasts available.

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