# CalculatorFree

> Free online calculators for finance, math, health, and everyday life. Instant, accurate, and easy to use with no signup required. All tools run in-browser.

CalculatorFree provides free, accurate, and private online calculators. All calculations are performed entirely in the user's browser — no data is ever sent to a server.

## Available Calculators

- [Mortgage Calculator](https://calculatorfree.vercel.app/mortgage-calculator): Calculate your monthly mortgage payment including principal, interest, taxes, and insurance (PITI). See the full amortization schedule.
- [Mortgage Amortization Calculator](https://calculatorfree.vercel.app/mortgage-amortization-calculator): View the complete amortization schedule for any mortgage. See exactly how each payment is split between principal and interest, year by year.
- [House Affordability Calculator](https://calculatorfree.vercel.app/house-affordability-calculator): Find out how much house you can afford based on your income, debts, and down payment. Uses the 28/36 DTI rule used by mortgage lenders.
- [Rent Calculator](https://calculatorfree.vercel.app/rent-calculator): Calculate your true total cost of renting including utilities, insurance, parking, and fees. See 10-year projections with annual rent increases.
- [Rent vs. Buy Calculator](https://calculatorfree.vercel.app/rent-vs-buy-calculator): Compare the true financial cost of renting versus buying a home over time. Find your break-even year and net cost difference.
- [Age Calculator](https://calculatorfree.vercel.app/age-calculator): Calculate your exact age in years, months, days, hours, and minutes. Find out how many days until your next birthday.
- [BMI Calculator](https://calculatorfree.vercel.app/bmi-calculator): Calculate your Body Mass Index (BMI) using metric or imperial units. Get your weight category and healthy weight range.
- [Calorie Calculator](https://calculatorfree.vercel.app/calorie-calculator): Calculate your daily calorie needs using the Mifflin-St Jeor formula. Find your BMR and TDEE for weight loss or gain.
- [GPA Calculator](https://calculatorfree.vercel.app/gpa-calculator): Calculate your weighted and unweighted GPA. Supports regular, honors, and AP/IB courses on a 4.0 scale.
- [Loan Calculator](https://calculatorfree.vercel.app/loan-calculator): Calculate monthly loan payments, total interest, and view a full amortization schedule for any loan amount.
- [Percentage Calculator](https://calculatorfree.vercel.app/percentage-calculator): Calculate percentages instantly. Find what % of a number is, what percent one number is of another, or % change.
- [Tip Calculator](https://calculatorfree.vercel.app/tip-calculator): Calculate the tip amount and split the bill among multiple people. Works for any tip percentage.
- [Rental Property Calculator](https://calculatorfree.vercel.app/rental-property-calculator): Analyze a rental property investment. Calculate monthly cash flow, cash-on-cash return, cap rate, and gross rent multiplier using real expenses.
- [Real Estate Calculator](https://calculatorfree.vercel.app/real-estate-calculator): Calculate real estate ROI, home appreciation, equity growth, and total profit on a property sale. Includes optional rental income analysis.
- [FHA Loan Calculator](https://calculatorfree.vercel.app/fha-loan-calculator): Calculate FHA loan payments including upfront and annual Mortgage Insurance Premium (MIP). See the true monthly cost for low-down-payment buyers.
- [VA Mortgage Calculator](https://calculatorfree.vercel.app/va-mortgage-calculator): Calculate VA loan payments and funding fee for veterans and active-duty service members. No PMI required — see how much you save vs a conventional loan.
- [Home Equity Loan Calculator](https://calculatorfree.vercel.app/home-equity-loan-calculator): Calculate how much you can borrow against your home equity. See monthly payments, CLTV ratio, and total cost for a fixed-rate second mortgage.
- [HELOC Calculator](https://calculatorfree.vercel.app/heloc-calculator): Calculate your Home Equity Line of Credit limit, draw-period interest-only payments, and repayment-period P&I payments. See CLTV, max credit line, and total interest across both phases.
- [Down Payment Calculator](https://calculatorfree.vercel.app/down-payment-calculator): Calculate how much you need for a down payment and closing costs. See PMI costs, loan-type minimums (FHA, VA, conventional), and a savings timeline to reach your goal.
- [Refinance Calculator](https://calculatorfree.vercel.app/refinance-calculator): Find out if refinancing your mortgage makes sense. Compare monthly savings, break-even point, and lifetime interest savings against closing costs.
- [Mortgage Payoff Calculator](https://calculatorfree.vercel.app/mortgage-payoff-calculator): See how extra monthly payments or a lump sum can accelerate your mortgage payoff. Calculate interest saved and years cut from your loan term.
- [Mortgage Calculator UK](https://calculatorfree.vercel.app/mortgage-uk-calculator): UK mortgage calculator with Stamp Duty Land Tax (SDLT), LTV, repayment vs interest-only, and arrangement fees. First-time buyer and buy-to-let rates included.

## Categories

### Financial
- Mortgage Calculator
- Mortgage Amortization Calculator
- House Affordability Calculator
- Rent Calculator
- Rent vs. Buy Calculator
- Loan Calculator
- Rental Property Calculator
- Real Estate Calculator
- FHA Loan Calculator
- VA Mortgage Calculator
- Home Equity Loan Calculator
- HELOC Calculator
- Down Payment Calculator
- Refinance Calculator
- Mortgage Payoff Calculator
- Mortgage Calculator UK

### Fitness & Health
- BMI Calculator
- Calorie Calculator

### Math
- GPA Calculator
- Percentage Calculator

### Lifestyle
- Age Calculator
- Tip Calculator

## Key Facts

- All calculations: 100% client-side, zero server requests
- Privacy: No user data collected or transmitted
- Cost: Completely free, no account required
- Accuracy: Formulas verified against industry standards
- Availability: 24/7, no downtime

## Technology

Built with Next.js 15, TypeScript, and Tailwind CSS. Deployed on Vercel.

## Contact

Website: https://calculatorfree.vercel.app