# Calculatory

> Calculatory is a free, ad-supported web app of fast, accurate calculators for finance, education, health, everyday life, and developer utilities. No sign-up, no paywalls — every tool runs client-side in the browser and returns results instantly.

Built and maintained by Gaurav Yadav (idaete.com). US-focused (dollars, IRS/CDC/ACOG/NIST standards) with global calculators (SIP, EMI) alongside. All calculators are static pages with no server-side processing of user input — nothing entered into a calculator is transmitted or stored remotely.

## Financial Calculators

- [Financial Calculators](https://calculatory.app/financial-calculators/): Category index — mortgage, loans, retirement, and investment calculators
- [Mortgage Calculator](https://calculatory.app/financial-calculators/mortgage-calculator/): Monthly mortgage payment with property tax, insurance, PMI, and HOA
- [Refinance Calculator](https://calculatory.app/financial-calculators/refinance-calculator/): Refinance break-even point and total interest saved
- [Car Loan Calculator](https://calculatory.app/financial-calculators/car-loan-calculator/): Monthly auto loan payment and total interest
- [Personal Loan Calculator](https://calculatory.app/financial-calculators/personal-loan-calculator/): Monthly payment and full amortization schedule
- [Credit Card Payoff Calculator](https://calculatory.app/financial-calculators/credit-card-payoff-calculator/): Time and interest to pay off a credit card balance
- [401(k) Calculator](https://calculatory.app/financial-calculators/401k-calculator/): Projected 401(k) balance at retirement with employer match
- [Roth IRA Calculator](https://calculatory.app/financial-calculators/roth-ira-calculator/): Projected tax-free Roth IRA growth
- [Debt-to-Income Ratio Calculator](https://calculatory.app/financial-calculators/debt-to-income-ratio-calculator/): DTI ratio used by mortgage and loan lenders
- [Compound Interest Calculator](https://calculatory.app/financial-calculators/compound-interest-calculator/): Growth of money over time with compounding
- [Retirement Savings Calculator](https://calculatory.app/financial-calculators/retirement-savings-calculator/): Retirement number based on spending, returns, and Social Security
- [College Savings Calculator](https://calculatory.app/financial-calculators/college-savings-calculator/): Inflation-adjusted 529 plan projections
- [Student Loan Payoff Calculator](https://calculatory.app/financial-calculators/student-loan-payoff-calculator/): Avalanche vs snowball payoff strategy comparison
- [Loan & EMI Calculator](https://calculatory.app/financial-calculators/loan-emi-calculator/): Monthly payment and amortization for any loan worldwide
- [SIP Calculator](https://calculatory.app/financial-calculators/sip-calculator/): Indian mutual fund SIP returns and total corpus
- [ROI Calculator](https://calculatory.app/financial-calculators/roi-calculator/): Return on investment, annualized ROI, and payback period
- [Salary Calculator](https://calculatory.app/financial-calculators/salary-calculator/): US net paycheck after federal, FICA, and state tax

## Education Calculators

- [Education Calculators](https://calculatory.app/education-calculators/): Category index — GPA, test scores, and grade calculators
- [GPA Calculator](https://calculatory.app/education-calculators/gpa-calculator/): Semester GPA on a 4.0 scale
- [Weighted GPA Calculator](https://calculatory.app/education-calculators/weighted-gpa-calculator/): Weighted GPA on the 5.0 scale for AP/Honors classes
- [Final Grade Calculator](https://calculatory.app/education-calculators/final-grade-calculator/): Score needed on a final exam to hit a target grade
- [Class Rank Calculator](https://calculatory.app/education-calculators/class-rank-calculator/): Estimated class rank percentile from GPA
- [SAT Score Calculator](https://calculatory.app/education-calculators/sat-score-calculator/): Raw-to-scaled SAT score conversion with percentiles
- [ACT Score Calculator](https://calculatory.app/education-calculators/act-score-calculator/): Raw-to-scaled ACT score conversion with percentiles
- [ACT Composite Score Calculator](https://calculatory.app/education-calculators/act-composite-score-calculator/): ACT composite from section scores with superscoring
- [GMAT Score Calculator](https://calculatory.app/education-calculators/gmat-score-calculator/): GMAT total score from Verbal and Quant with business school ranges
- [Grade Calculator](https://calculatory.app/education-calculators/grade-calculator/): Overall course grade from assignments, quizzes, and exams
- [Study Hours Calculator](https://calculatory.app/education-calculators/study-hours-calculator/): Recommended study hours from credit hours and difficulty
- [Percentage Calculator](https://calculatory.app/education-calculators/percentage-calculator/): Percent of a number, percent change, and percent difference
- [Attendance Calculator](https://calculatory.app/education-calculators/attendance-calculator/): Attendance percentage and classes needed to hit a target
- [IELTS to TOEFL Converter](https://calculatory.app/education-calculators/ielts-to-toefl-converter/): IELTS Academic to TOEFL iBT conversion via ETS concordance

## Health Calculators

- [Health Calculators](https://calculatory.app/health-calculators/): Category index — BMI, calorie, body composition, and pregnancy calculators
- [BMI Calculator](https://calculatory.app/health-calculators/bmi-calculator/): Body Mass Index with CDC categories and healthy weight range
- [BMR Calculator](https://calculatory.app/health-calculators/bmr-calculator/): Basal Metabolic Rate and TDEE via Mifflin-St Jeor
- [Calorie / TDEE Calculator](https://calculatory.app/health-calculators/calorie-calculator/): Daily calorie needs adjusted for activity level and goal
- [Body Fat Calculator](https://calculatory.app/health-calculators/body-fat-calculator/): Body fat percentage via the US Navy circumference method
- [Due Date Calculator](https://calculatory.app/health-calculators/due-date-calculator/): Pregnancy due date and prenatal milestone timeline
- [Ovulation Calculator](https://calculatory.app/health-calculators/ovulation-calculator/): Estimated ovulation date, fertile window, and next 3 cycles
- [Macro Calculator](https://calculatory.app/health-calculators/macro-calculator/): Daily calories plus protein, carb, and fat gram targets
- [Ideal Weight Calculator](https://calculatory.app/health-calculators/ideal-weight-calculator/): Ideal body weight from 4 clinical formulas plus BMI range

## Everyday Calculators

- [Everyday Calculators](https://calculatory.app/everyday-calculators/): Category index — date, time zone, currency, and unit calculators
- [Age Calculator](https://calculatory.app/everyday-calculators/age-calculator/): Exact age in years, months, weeks, and days between two dates
- [Time Zone Calculator](https://calculatory.app/everyday-calculators/time-zone-calculator/): Time conversion between US and world time zones with DST
- [Currency Converter](https://calculatory.app/everyday-calculators/currency-converter/): USD to 25+ world currencies with live exchange rates
- [Unit Converter](https://calculatory.app/everyday-calculators/unit-converter/): Length, weight, temperature, volume, area, speed, and data units
- [Tip Calculator](https://calculatory.app/everyday-calculators/tip-calculator/): Tip amount, total bill, and per-person split
- [Discount Calculator](https://calculatory.app/everyday-calculators/discount-calculator/): Percent off, stacked discounts, and sales tax
- [Date Calculator](https://calculatory.app/everyday-calculators/date-calculator/): Days between two dates, or add/subtract days from a date

## Digital & Dev Tools

- [Digital & Dev Tools](https://calculatory.app/digital-dev-tools/): Category index — text, number, and developer utility tools
- [Word & Character Counter](https://calculatory.app/digital-dev-tools/word-character-counter/): Word, character, sentence count, and reading time
- [Binary to Decimal Converter](https://calculatory.app/digital-dev-tools/binary-to-decimal-converter/): Conversion between binary, decimal, hex, and octal
- [Case Converter](https://calculatory.app/digital-dev-tools/case-converter/): Text case conversion including camelCase, snake_case, kebab-case
- [Hex to RGB Converter](https://calculatory.app/digital-dev-tools/hex-to-rgb-converter/): Hex color to RGB, HSL, and HSB with live preview
- [Unix Timestamp Converter](https://calculatory.app/digital-dev-tools/unix-timestamp-converter/): Unix timestamp to date conversion across time zones
- [Password Generator](https://calculatory.app/digital-dev-tools/password-generator/): Cryptographically random passwords with strength meter
- [JSON Formatter & Validator](https://calculatory.app/digital-dev-tools/json-formatter/): JSON beautify, minify, and validation with error location
- [QR Code Generator](https://calculatory.app/digital-dev-tools/qr-code-generator/): QR codes from any URL or text, exportable as PNG or SVG
- [UUID Generator](https://calculatory.app/digital-dev-tools/uuid-generator/): Bulk random v4 UUID / GUID generation
- [Base64 Encoder / Decoder](https://calculatory.app/digital-dev-tools/base64-converter/): Text-to-Base64 encoding and decoding with Unicode support

## Blog

- [Blog](https://calculatory.app/blog/): Guides on personal finance and health topics related to the calculators
- [401(k) Explained: A Beginner's Guide](https://calculatory.app/blog/401k-explained-beginners-guide/): How 401(k) contributions, matching, and growth work
- [What Is Debt-to-Income Ratio?](https://calculatory.app/blog/what-is-debt-to-income-ratio/): How DTI is calculated and why lenders use it
- [What Your BMI Actually Means](https://calculatory.app/blog/what-your-bmi-actually-means/): How BMI is calculated and its limitations

## About

- [About](https://calculatory.app/about/): Who built Calculatory and why
- [Contact](https://calculatory.app/contact/): Contact information
- [Privacy Policy](https://calculatory.app/privacy-policy/)
- [Terms of Service](https://calculatory.app/terms-of-service/)
- [Disclaimer](https://calculatory.app/disclaimer/): Calculators are for informational purposes only, not professional advice