Free tools
Free personal finance tools that run in your browser.
No signup, no account, no data sent to a server. Every calculator below runs entirely in your browser, with the latest official exchange rates where currency conversion is needed. Built for expats, cross-border savers, and anyone who has outgrown a spreadsheet.
- One currency or severalNet Worth CalculatorAdd what you own and what you owe to see your net worth. Works in one currency or across 38, at the latest official exchange rates, and if you hold several it shows how much sits in currencies you do not spend in.
- Borrowing decisionsLoan Comparison CalculatorCompare two or three loan offers side by side. APR, total cost of borrowing, refinancing scenarios, and per-vendor amortisation, without a spreadsheet.
- Projections and retirementMonte Carlo SimulatorPlay your savings forward thousands of times with returns from the long-run record of world markets. See a low, median and high outcome, and how often the money lasts once you live off it.
- Prices over timeInflation CalculatorSee what an amount buys after years of inflation, what a price may cost later, and whether a raise keeps up, with yearly history for most countries from the World Bank.
How these tools work
- All calculation runs in your browser. The numbers you type, the values you upload, and any results are kept on your device. They are not sent to nidhi or to any third party.
- Official exchange rates where needed. When a tool needs a currency conversion, your browser fetches reference rates from the Frankfurter API (a free, open service that combines the exchange rates published by central banks and other official sources). The request includes only your selected functional currency, not your asset data.
- No signup, no account, no email needed. The tools are usable straight from the page. Nothing goes into the page address while you use a tool. An optional share link carries your inputs after the # sign, a part of the address browsers never send to a server, so you control whether to share, and with whom.
- Educational, not advice. Each tool shows you the math behind the answer and the assumptions it makes, so you can apply the same logic to your own situation. For decisions that matter, talk to a qualified professional.