utilime

Small tools that finish the job.

Calculators

Money and percentages, with the working shown underneath.

About these tools

A calculator that returns one number is asking to be trusted about a decision worth thousands. These show the working instead: the schedule behind a monthly payment, the contributions and the interest separated out, the arithmetic behind a percentage that people most often get backwards.

The figures are checked against published examples rather than against themselves. Rounding is the part that quietly diverges, so where two conventions genuinely disagree the page says which one it uses and why — a lender rounds to the cent every month, and a savings projection that rounds the same way walks a little away from the closed-form figure people check against.

Everything runs as you type, so changing the rate is a question you can ask ten times in a row rather than a form you resubmit.