From finance to productivity — fast, accurate tools that work instantly, right in your browser. No clutter, no waiting.
Simple tools across different use cases — built for speed, clarity, and everyday decisions.
Free, US-focused tools to plan a mortgage, retirement, a 401(k), a loan or your long-term investments — built for clarity and speed.
Estimate your monthly US mortgage payment — principal, interest, taxes & insurance (PITI).
Project your nest egg and the monthly income it can fund — in today's dollars.
See your 401(k) at retirement with employer match and IRS contribution limits.
Monthly payment and total interest on auto, personal, home equity or student loans.
Future value of monthly investments or a lump sum into index funds and ETFs.
Big money decisions — buying a home, picking a 401(k) contribution rate, choosing an auto loan term or starting to invest — usually come down to a handful of numbers: an interest rate, a time horizon, a monthly amount and a future value. Plug those into the right formula and the right answer is obvious. Skip the math and you can easily overpay tens of thousands of dollars over the life of a mortgage, leave free employer-match money on the table, or under-save for a retirement that quietly runs out.
Every tool on Utilix uses standard, well-known financial formulas — the same ones US lenders, brokers and retirement planners use — and runs entirely in your browser. There is no signup, no data collected and no waiting between clicks. Use them to compare 15-year vs 30-year mortgages, model what a 1% bump to your 401(k) contribution does over 30 years, see the true cost of stretching a 5-year auto loan to 7, or watch the power of compounding turn $500 a month into a real retirement nest egg.
Pick the tool that matches the decision you’re making right now.
Estimate your US monthly mortgage payment — principal, interest, taxes and insurance (PITI).
OpenProject your retirement nest egg and the monthly income it can fund — in today's dollars.
OpenSee how big your 401(k) can grow with employer match, IRS limits, salary growth and tax-deferred compounding.
OpenPlan Financial Independence, Retire Early — your FIRE number, FIRE age, and a side-by-side view of Lean, Regular and Fat FIRE.
OpenTrack how close you are to financial independence — progress %, savings rate, FI ratio and whether you’re ahead or behind your target FIRE age.
OpenCompare Lean, Regular, Fat and Barista FIRE side-by-side — see the trade-off between lifestyle and time freedom.
OpenFind the moment you can stop saving for retirement — and let compound growth carry you the rest of the way.
OpenSee how long your retirement savings will last — with inflation-adjusted withdrawals, Social Security, and pessimistic / base / optimistic scenarios.
OpenSee exactly how your money grows — with daily, monthly, or annual compounding.
OpenSee your new salary after a raise — or the hike % you need to hit a target.
OpenPlan monthly investments or a one-time lump sum and see the power of compounding over time.
OpenCalculate the monthly payment on any fixed-rate loan — auto, personal, home equity or student loan.
OpenKnow your true profit after all charges, statutory fees and taxes on equity, F&O trades.
OpenConvert your annual salary into hourly, daily, weekly and monthly equivalents — instantly.
OpenSee how fast you can clear an existing loan — and how much interest extra payments save.
OpenShould you rent or buy? Compare total wealth after a fixed holding period — with break-even year.
OpenAdd up everything you own minus everything you owe — your personal balance sheet in one number.
OpenFocus in 25-minute sprints with built-in breaks.
OpenA simple, fast task list — with a sticky Active Task that follows you across the site.
OpenBuild streaks one day at a time — a tiny, private habit tracker that lives in your browser.
OpenPick a sport, drop in your players, get balanced teams and a match schedule.
OpenCount words, characters, sentences and reading time — with readability, keyword density and writing insights.
OpenPaste any text to get instant reading time, speaking time and page count — with slow, average and fast reader presets.
OpenFind the percentage increase or decrease between two values — instantly.
OpenApply a percentage increase or decrease to any number — markup, discount, tip or growth, in one tap.
OpenFind your Body Mass Index in seconds — with the healthy weight range for your height.
OpenEstimate body-fat % from a tape measure — the U.S. Navy method, in metric or imperial.
OpenCompare four classic ideal-weight formulas alongside the WHO healthy BMI range.
OpenFind your Basal Metabolic Rate and daily calorie targets to maintain, lose or gain weight.
OpenEvery detail is built to help you get answers faster — without friction.
Every change updates instantly. No buttons, no delays.
Inputs and results stay visible together — even on small screens.
All calculations happen in your browser. Your inputs stay with you.
Answers to common questions about using Utilix tools.
Yes — every tool on Utilix is free to use, with no signup required.
No. Calculations happen entirely in your browser. We don't track values you enter.
Tools use standard, well-known formulas. Real-world outcomes can vary because of taxes, fees, market conditions and individual context.
Absolutely. The interface is mobile-first but adapts beautifully to tablet and desktop with side-by-side inputs and results.
Pick a tool and try it — no signup required.