Olutil stands for Online Utilities — a growing suite of privacy-first, browser-native web tools. This sub-site gives you a set of everyday finance calculators that run entirely in your browser. Estimate mortgage and car payments, project compound interest, plan for retirement and turn a savings goal into a monthly number — all in one place. 100% Local Processing
Estimate monthly payments, total interest and a yearly repayment summary for a fixed-rate home loan.
Work out the monthly payment and the total cost of a car loan, including your down payment.
Grow a starting amount plus monthly contributions and see the future value and interest earned.
Project your savings to retirement and find the gap between what you need and what you have.
Estimate tax, net income and the effective rate from a simplified bracket set or a custom flat rate.
Convert hourly, monthly and annual pay into hourly, daily, weekly, bi-weekly, monthly and annual figures.
Work out the tip, the total and the per-person split for any bill.
Build a monthly repayment schedule with principal, interest and balance, and export it as CSV.
Compare the snowball and avalanche payoff orders for several debts and see the months and interest each saves.
Turn a savings target and deadline into the monthly amount you need to set aside.
Project a starting amount plus monthly contributions and see the future value and total gain.
Estimate tax, tax after credits and your effective and marginal rates from a simplified bracket ladder.
Find your financial independence number and the years to reach it, including your savings rate.
Split your monthly income into needs, wants and savings with the 50/30/20 rule or your own percentages.
Convert between currencies with a built-in approximate rate table or your own entered rate.
Compare several loan offers by monthly payment, total interest and total cost.
See the monthly saving and the break-even months for refinancing a loan.
See how long a card balance takes to clear and how much the minimum payment really costs.
See the future cost of today's spending and the buying power of your money.
Total your assets and liabilities to see your net worth and how it breaks down.
Work out the monthly and yearly amount to save for tuition.
All tools on this site do their work locally in your browser. The numbers you type are never sent to any server, so your figures stay on your device. Pick a calculator, fill in the fields, press the calculate button and read or copy the result.
Yes. Every calculator on this site is free to use, with no account and no sign-up required.
No. All results are estimates for general information only and are not financial, investment or tax advice. Please confirm details with a licensed adviser or your lender.
Yes. All processing runs locally in your browser. The numbers you enter are not uploaded to any server, and you can use the tools while offline once the page is loaded.