# GrabCalc

> Free online calculator site — 65 calculators for finance, education, and daily life. Every tool runs 100% locally in the browser with no signup, no data collection, and instant results.

## Calculators

- [Mortgage Calculator](https://grabcalc.com/mortgage-calculator): Monthly payment, total interest, and extra-payment savings for home loans
- [Auto Loan Calculator](https://grabcalc.com/auto-loan-calculator): Car loan payment, interest, and total cost with extra payments
- [Compound Interest Calculator](https://grabcalc.com/compound-interest-calculator): Savings growth with any compounding frequency
- [Percentage Calculator](https://grabcalc.com/percentage-calculator): X% of Y, what percent X is of Y, and percentage change
- [Tip Calculator](https://grabcalc.com/tip-calculator): Gratuity and bill splitting with per-person totals
- [Discount Calculator](https://grabcalc.com/discount-calculator): Final price and savings from percent-off deals
- [Sales Tax Calculator](https://grabcalc.com/sales-tax-calculator): Add or remove sales tax/GST/VAT from prices
- [Age Calculator](https://grabcalc.com/age-calculator): Exact age in years, months, days with next-birthday countdown
- [Date Difference Calculator](https://grabcalc.com/date-difference-calculator): Years, months, days, weeks, and hours between two dates
- [Hourly to Salary Calculator](https://grabcalc.com/hourly-to-salary-calculator): Convert hourly wage to weekly, monthly, and annual income
- [Credit Card Payoff Calculator](https://grabcalc.com/credit-card-payoff-calculator): Debt-free date and interest savings with extra payments
- [Mortgage Refinance Calculator](https://grabcalc.com/mortgage-refinance-calculator): Monthly savings, break-even point, and lifetime interest comparison
- [Inflation Calculator](https://grabcalc.com/inflation-calculator): What past money is worth today using CPI data
- [APR to APY Calculator](https://grabcalc.com/apr-apy-calculator): Convert between nominal and effective annual rates
- [Retirement Calculator](https://grabcalc.com/retirement-calculator): Projected retirement fund and monthly income
- [Amortization Schedule Calculator](https://grabcalc.com/amortization-calculator): Year-by-year principal vs interest breakdown
- [Break Even Calculator](https://grabcalc.com/break-even-calculator): Units needed to cover fixed costs and reach profit
- [GPA Calculator](https://grabcalc.com/gpa-calculator): Cumulative GPA from semester grades and credit hours
- [CGPA to Percentage Calculator](https://grabcalc.com/cgpa-percentage-calculator): Convert 10-point CGPA to percentage and back using the standard 9.5 multiplier
- [Crypto Profit Calculator](https://grabcalc.com/crypto-profit-calculator): Crypto profit or loss, ROI, and exchange fees from buy and sell prices
- [Stock Average Down Calculator](https://grabcalc.com/stock-average-calculator): Average cost basis, total invested, and break-even price across multiple share purchases
- [Margin vs Markup Calculator](https://grabcalc.com/margin-vs-markup-calculator): Convert between profit margin and markup percentage, and calculate selling prices from unit costs
- [Discounted Cash Flow Calculator](https://grabcalc.com/dcf-calculator): Intrinsic value, enterprise value, equity value, and per-share price from projected cash flows and WACC
- [BMI Calculator](https://grabcalc.com/bmi-calculator): Body Mass Index, healthy weight range, ponderal index, and Mifflin-St Jeor daily calorie targets
- [SIP Calculator](https://grabcalc.com/sip-calculator): Mutual fund SIP return projections, maturity wealth, and annual percentage or fixed step-up modeling
- [EMI Calculator](https://grabcalc.com/emi-calculator): Monthly loan EMI, total interest, and full repayment schedule for home, auto, or personal loans.
- [CAGR Calculator](https://grabcalc.com/cagr-calculator): Compound annual growth rate, total return percentage, and growth multiple
- [ROI Calculator](https://grabcalc.com/roi-calculator): Return on investment, net profit or loss, investment multiple, and annualized return
- [CD Calculator](https://grabcalc.com/cd-calculator): Certificate of deposit maturity value, interest earned, and effective APY across any compounding frequency
- [BMR Calculator](https://grabcalc.com/bmr-calculator): Basal Metabolic Rate and daily maintenance calorie burn with Mifflin-St Jeor and Harris-Benedict formulas
- [Rent vs Buy Calculator](https://grabcalc.com/rent-vs-buy-calculator): Compare net wealth accumulation over time between buying a home and renting with invested savings
- [Home Affordability Calculator](https://grabcalc.com/home-affordability-calculator): Maximum purchase price, loan borrowing limit, and DTI debt constraints for home buyers
- [Debt Snowball Calculator](https://grabcalc.com/debt-snowball-calculator): Payoff timeline, interest comparison, and roll-forward schedule using snowball and avalanche methods
- [Savings Goal Calculator](https://grabcalc.com/savings-goal-calculator): Calculate required monthly deposits or timeline to reach any savings target with compound interest
- [Take-Home Pay Calculator](https://grabcalc.com/take-home-pay-calculator): Net paycheck estimation after federal taxes, FICA withholding, pre-tax deductions, and state tax
- [1099 vs W-2 Calculator](https://grabcalc.com/1099-vs-w2-calculator): Compare independent contractor vs employee take-home pay, 15.3% self-employment taxes, health benefits, PTO, and break-even rates
- [Cap Rate Calculator](https://grabcalc.com/cap-rate-calculator): Capitalization rate, Net Operating Income (NOI), and property market valuation for real estate investors
- [Cash on Cash Return Calculator](https://grabcalc.com/cash-on-cash-calculator): Cash-on-cash yield, monthly cash flow, and ROI on rental properties with financing
- [Rental Property Cash Flow Calculator](https://grabcalc.com/rental-cash-flow-calculator): Net monthly cash flow, full P&L, vacancy, OpEx, CapEx reserves, and mortgage debt service for landlords
- [BRRRR Calculator](https://grabcalc.com/brrrr-calculator): Analyze Buy, Rehab, Rent, Refinance, Repeat deals, cash-out refinance proceeds, cash left in deal, and infinite return
- [70% Rule Calculator](https://grabcalc.com/70-percent-rule-calculator): Maximum Allowable Offer (MAO) on house flips by factoring ARV, repair budget, and profit margins
- [1031 Exchange Calculator](https://grabcalc.com/1031-exchange-calculator): Calculate deferred capital gains and depreciation recapture tax when rolling investment property proceeds into like-kind replacement real estate
- [DSCR Loan Calculator](https://grabcalc.com/dscr-loan-calculator): Debt-Service Coverage Ratio, rental property mortgage qualification tiers, debt service (PITIA), and net cash flow without personal tax returns
- [Gross Rent Multiplier Calculator](https://grabcalc.com/gross-rent-multiplier-calculator): Screen rental properties, benchmark investment valuations, and estimate fair market purchase offers with GRM
- [Sleep Cycle & Bedtime Calculator](https://grabcalc.com/sleep-calculator): Calculate ideal bedtime and morning alarm times based on 90-minute sleep cycles and power naps
- [Airbnb Profit Calculator](https://grabcalc.com/airbnb-profit-calculator): Short-term rental net profit, monthly cash flow, platform host fees, cleaning fee spreads, and traditional rental comparisons
- [YouTube Earnings Calculator](https://grabcalc.com/youtube-earnings-calculator): Calculate YouTube channel earnings, video AdSense income, YouTube Shorts payouts, niche RPM rates, and creator revenue
- [CapEx Calculator](https://grabcalc.com/capex-calculator): Rental property capital expenditures (CapEx), component lifespan sinking fund reserves, and vacancy cash flow buffers
- [Gas Cost Calculator](https://grabcalc.com/gas-calculator): Road trip gas costs, fuel volume, round-trip expenses, and fair group passenger splits
- [Seller Net Sheet Calculator](https://grabcalc.com/seller-net-sheet-calculator): Estimate net cash proceeds from home sales after mortgage payoffs, decoupled commissions, transfer taxes, and closing fees
- [TikTok Money Calculator](https://grabcalc.com/tiktok-money-calculator): Calculate creator earnings under TikTok Creator Rewards Program, brand deal sponsorships, TikTok Shop affiliate GMV, and LIVE gifts
- [Instagram Money Calculator](https://grabcalc.com/instagram-money-calculator): Calculate sponsored Reel rates, Carousel posts, Story sets, paid whitelisting ad rights, and creator earnings
- [Price-to-Rent Ratio Calculator](https://grabcalc.com/price-to-rent-ratio-calculator): Compare home purchase prices to market rents, evaluate buy vs rent thresholds, and calculate gross rental yield
- [FHA 90-Day Flip Rule Calculator](https://grabcalc.com/fha-90-day-flip-rule-calculator): Check FHA mortgage financing eligibility for flipped homes, deed recording calendar days, Day 91 contract dates, and second appraisal thresholds under HUD 24 CFR 203.37a
- [PMI Removal Calculator](https://grabcalc.com/pmi-removal-calculator): Calculate exact dates Private Mortgage Insurance cancels at 80% and 78% LTV under Homeowners Protection Act, extra principal savings, and fast-track appraisal removal
- [Triple Net Lease Calculator](https://grabcalc.com/triple-net-lease-calculator): Calculate true all-in monthly commercial rent by factoring base rent alongside property taxes, building insurance, and CAM pass-throughs
- [1% Rule Real Estate Calculator](https://grabcalc.com/one-percent-rule-calculator): Screen rental property deals, evaluate rent-to-cost ratios against the 1% and 2% rules, test 50% rule cash flow, and solve maximum purchase offer
- [Self-Storage Facility Valuation Calculator](https://grabcalc.com/self-storage-facility-valuation-calculator): Calculate commercial self-storage facility valuation, NOI, economic occupancy, cap rates, and value-add rent bump equity
- [Bi-Weekly Mortgage Calculator](https://grabcalc.com/bi-weekly-mortgage-calculator): Calculate interest savings, early payoff timeline, and debt-free dates from bi-weekly mortgage payments
- [TikTok vs YouTube Shorts Calculator](https://grabcalc.com/tiktok-vs-youtube-shorts-calculator): Compare creator payouts between TikTok Creator Rewards and YouTube Shorts Creator Pool, test the 60-second eligibility rule, and model cross-platform brand revenue
- [Split Rent Calculator](https://grabcalc.com/split-rent-calculator): Fair roommate rent split by room square footage, common area ratio, private baths, balconies, and parking
- [Gratuity Calculator](https://grabcalc.com/gratuity-calculator): Calculate statutory gratuity payout, 15/26 formula rate, 6-month rounding credit, and Section 10(10) tax exemption
- [Freelance Rate Calculator](https://grabcalc.com/freelance-rate-calculator): Calculate sustainable freelance hourly, day, retainer, and project pricing with tax reserves and non-billable hours
- [Electricity Cost Calculator](https://grabcalc.com/electricity-cost-calculator): Calculate running costs, kWh consumption, compressor duty cycles, and bill impact for home appliances
- [401(k) Match Calculator](https://grabcalc.com/401k-match-calculator): Calculate employer match, missed matching dollars, and 30-year compounded retirement growth
- [Roth vs Traditional Calculator](https://grabcalc.com/roth-vs-traditional-calculator): Compare pre-tax vs after-tax 401(k) and IRA growth, solve break-even retirement tax rates, and model reinvested tax savings
- [Self-Employment Tax Calculator](https://grabcalc.com/self-employment-tax-calculator): Calculate Schedule SE 15.3% tax burden, Social Security wage caps, 50% deduction, and quarterly estimated payment vouchers
- [TDEE Calculator](https://grabcalc.com/tdee-calculator): Calculate Total Daily Energy Expenditure, resting BMR, cutting deficit, and macro splits for fat loss or muscle gain
- [Final Grade Calculator](https://grabcalc.com/final-grade-calculator): Calculate the exact score needed on your final exam to pass your class or reach your target letter grade

## Pages

- [All Calculators](https://grabcalc.com/all-calculators): Complete directory of 69 calculators with instant search and category grouping
- [About](https://grabcalc.com/about): Why GrabCalc exists
- [Contact](https://grabcalc.com/contact): Feedback and calculator suggestions
- [Privacy Policy](https://grabcalc.com/privacy-policy): Data handling and cookie policies
- [Terms of Service](https://grabcalc.com/terms-of-service): Usage terms and disclaimers