Why TidyCalcs exists
Most of life's recurring math questions are simple in shape but tedious to do by hand. What will this mortgage actually cost me each month? How long will it take to pay off my credit card? Should I refinance? How much house can I actually afford?
The web has plenty of tools that answer these questions — but many are slow to load, demand sign-ups, or bury the result under walls of ads and noise. TidyCalcs takes the opposite approach. Each tool does one job, loads instantly, works entirely in your browser, and gives you the answer immediately. No accounts. No downloads. No noise.
Our calculators
Our guides
How our calculators work
Every TidyCalcs calculator uses standard, published formulas rather than black boxes. The mortgage calculator applies the conventional fixed-rate amortization formula used by lenders worldwide. The refinance calculator calculates break-even by dividing closing costs by monthly savings. The debt payoff calculator simulates month-by-month balance reduction using both snowball and avalanche ordering. The currency converter uses mid-market rates — the midpoint between buy and sell prices. The calorie calculator estimates basal metabolic rate using the Mifflin-St Jeor equation, then scales by activity level.
Where a calculation involves judgment or assumptions, we say so on the tool's page. We believe you should understand what's being calculated, not just trust a number that appears on a screen.
What our results are — and aren't
Our calculators are designed to be accurate, but they provide general information, not professional advice. A mortgage estimate is not a loan offer — your lender's quote will reflect your specific credit profile, fees, and local taxes. Exchange rates shown are mid-market reference rates; banks and transfer services apply their own margins. Calorie and BMI figures are population-level estimates that cannot account for your individual health picture.
For decisions that matter, please consult a qualified professional — a licensed lender, financial advisor, or your doctor.
TidyCalcs is free to use and is supported by advertising and affiliate partnerships. When you click a link to a financial product, TidyCalcs may earn a small commission at no cost to you. Ads and affiliate relationships keep the tools free without requiring accounts or subscriptions. You can read more in our Privacy Policy.
Get in touch
Spotted a bug, have a question, or want to suggest a new calculator? We'd genuinely like to hear it — visit the contact page and send us a note.