PennyloomMake sense of everyday money
Explore tools
EXPLORE Pennyloom

Find your next answer

A focused collection of useful calculators. Choose a topic, adjust the assumptions and explore what changes.

39 tools

Hourly to annual salary

Compare hourly pay with annual, monthly and biweekly gross income. Set paid weeks to reflect your actual contract.

Annual salary to hourly

Find the hourly equivalent of a salary offer, accounting for your working hours and paid weeks.

Overtime pay calculator

Compare regular and extra-hours pay using the multiplier in your agreement. This tool does not determine legal overtime eligibility.

Freelance rate calculator

Set a sustainable project rate by allowing for non-billable time, operating expenses and your annual income target.

Loan and extra-payment calculator

Calculate a loan's monthly repayment, total interest and payoff schedule. Compare regular extra payments using your own loan amount, rate and term.

Mortgage repayment calculator

Estimate mortgage principal and interest, then compare overpayments and months saved. Keep property taxes, insurance and maintenance in a separate budget.

Car payment calculator

Calculate a car loan payment and compare repayment terms. See total interest and the effect of extra payments on the vehicle's financed balance.

Simple interest calculator

Calculate interest charged only on the original balance. Compare this with compounding before comparing products.

Compound interest calculator

Model monthly contributions and a constant assumed return. Contributions are added at the end of each month; returns are not guaranteed.

Savings goal calculator

Turn a savings target and deadline into a clear monthly amount. No interest or investment return is assumed.

Emergency fund calculator

Choose how many months of essential expenses to cover and see the gap after existing savings. The coverage period is your assumption.

Discount and sales tax calculator

Check the amount saved by a discount and an optional tax applied after the discount. Enter the applicable tax yourself.

Percentage calculator

Find a percentage of any amount and compare an increase or decrease by the same percentage.

Percentage change calculator

Measure growth or decline relative to a positive starting value. A percentage-point change is a different calculation.

Electricity cost calculator

Estimate energy use from actual operating power and hours. Enter your own tariff; this is not a national average or a complete utility bill.

Fuel cost calculator

Plan a trip using distance, real-world fuel consumption and your local price per litre.

EV charging cost calculator

Include charging losses when estimating the electricity cost and approximate charging time. Actual power can taper.

EV versus gasoline energy cost

Compare annual energy spending using grid-side EV consumption, including losses. Purchase price and maintenance are excluded.

Car depreciation calculator

Explore a constant percentage loss in vehicle value. The chosen rate is a scenario, not a market valuation.

Total car ownership cost

Compare the full cost of ownership using purchase and resale values, fuel, insurance, maintenance and finance charges.

Loan affordability calculator

Translate a monthly budget into a loan amount. Choose your own spending ratio and include all other commitments.

Rent budget calculator

Choose the share of income available for rent and see what remains for other expenses. There is no universally safe rent ratio.

Flooring project calculator

Estimate flooring material, labour, waste and contingency from your measured floor area and local quotes. See which installation costs need a separate budget.

Roofing budget calculator

Build a roof budget using measured roof area, material and labour quotes, waste and contingency. Review quote inclusions before comparing contractors.

Renovation budget calculator

Plan an area-based renovation budget with material, labour and contingency inputs. Separate fixed costs and compare equivalent scopes of work.

Paint quantity calculator

Calculate paint from the wall area after subtracting openings. Use the coverage stated on your selected paint product.

Fence materials calculator

Estimate panels and posts for one straight fence run without gates. Corners, slopes, foundations and labour need separate allowances.

Solar savings calculator

Compare self-consumption and exports using a generation estimate from your installer. This is a simple cash-flow scenario.

Inflation scenario calculator

Test how a constant assumed inflation rate affects a future budget and the purchasing power of cash. No forecast is implied.

Credit card payoff calculator

Find the payoff time for a fixed payment and constant APR, with no new purchases. Actual issuers may calculate interest daily.

Unit price comparison

Compare two pack sizes using the same quantity unit. See the cheaper unit price and the percentage difference before choosing a larger pack.

Subscription cost planner

Bring daily, weekly, monthly and annual recurring costs into one yearly budget. Model what cancelling a chosen percentage of spending would save.

Break-even calculator

Find how many units cover your fixed costs and a chosen profit target. Keep all fixed costs and targets in the same reporting period.

Bill and tip splitter

Split a shared bill evenly, with an optional tip and separately entered fees. The tip applies only to the starting bill; check whether service is already included.

Moving cost planner

Build a moving budget from actual quotes: labour, transport, packing and other charges. Compare doing part of the work yourself by changing hours or crew size.

Battery and UPS runtime

Estimate how long a battery or UPS can run a constant load. Include usable capacity and conversion losses; actual runtime varies with temperature, battery condition and discharge rate.

PC electricity cost: active, idle and sleep

Compare the cost of your measured active, idle and sleep power. Test the saving from replacing idle time with sleep. The example values are assumptions, not hardware benchmarks.

Download and upload time calculator

Estimate a file transfer in either direction. Use upload speed for backups. Compare current throughput with twice that speed; enter 100% when your speed already measures actual file throughput.

Streaming data and allowance calculator

Plan usage from an assumed average bitrate and your own allowance. Include game downloads or updates separately. This is not a provider billing meter or a prediction of adaptive streaming quality.

Privacy choices

Tools work without analytics. You may allow interaction measurement without sending your financial inputs. You can manage or disable advertising below. Regional consent requirements still apply.