Visible formulas
Each published calculator page includes a visible equation and supporting formula context.
Free calculators with clear formulas
Search a practical calculator library with clean explanations, transparent formulas, and mobile-first pages for finance, units, health, construction, property, and time.
Popular calculators
Start with high-value calculators from each category, selected from the live catalog order.
Compound Interest Calculator helps with financial planning by using Initial principal, Annual interest rate, Years, Additional contribution, and Compound frequency to calculate Ending balance, Total interest, Total contributions, and Effective annual rate. It includes a visible formula, readable result summary, clear result details and export-ready details.
Open calculatorCentimeters to Feet helps with unit conversion work by using Centimeters and Decimal places to calculate Feet and Centimeters. It includes a visible formula, readable result summary, clear result details and export-ready details.
Open calculatorBMI Calculator helps with health and wellness estimates by using Unit system, Weight, and Height to calculate BMI, Category, Weight, and Height. It includes a visible formula, readable result summary, clear result details and export-ready details.
Open calculatorHome Affordability Calculator helps with property decisions by using Annual income, Monthly debt, Down payment, Target DTI, and Mortgage rate to calculate Affordable price, Max monthly payment, and Estimated loan. It includes a visible formula, readable result summary, clear result details and export-ready details.
Open calculatorAge Calculator helps with date and time planning by using Birth date and Reference date to calculate Age, Total days, and Weeks. It includes a visible formula, readable result summary, clear result details and export-ready details.
Open calculatorConcrete Calculator helps with project estimates by using Length, Width, Depth, Waste, and Cost per cubic yard to calculate Concrete needed, Estimated cost, and 80-lb bags. It includes a visible formula, readable result summary, clear result details and export-ready details.
Open calculatorBMR Calculator helps with health and wellness estimates by using Unit system, Sex, Age, Weight, and Height to calculate BMR, Maintenance estimate, Method, and Activity multiplier. It includes a visible formula, readable result summary, clear result details and export-ready details.
Open calculatorCentimeters to Inches helps with unit conversion work by using Centimeters and Decimal places to calculate Inches and Centimeters. It includes a visible formula, readable result summary, clear result details and export-ready details.
Open calculatorCalculator categories
Choose a category first, then open a focused calculator with formulas, exports, and useful result details.
Finance Calculators available in the Xero Tools calculator catalog.
Unit Calculators available in the Xero Tools calculator catalog.
Health Calculators available in the Xero Tools calculator catalog.
Real Estate Calculators available in the Xero Tools calculator catalog.
Date & Time Calculators available in the Xero Tools calculator catalog.
Construction & Home Improvement Calculators available in the Xero Tools calculator catalog.
Formula transparency
Calculator pages are designed to show the equation, explain the variables, and keep supporting result details close to the result so users can understand the calculation instead of trusting a black box.
Each published calculator page includes a visible equation and supporting formula context.
Calculators are organized around clear everyday tasks instead of mixed, hard-to-scan lists.
Result schedules and breakdowns are available where tabular output improves understanding.
Charts are used where visual summaries make comparisons, progress, or ranges easier to read.
Calculator tools
Compound Interest Calculator helps with financial planning by using Initial principal, Annual interest rate, Years, Additional contribution, and Compound frequency to calculate Ending balance, Total interest, Total contributions, and Effective annual rate. It includes a visible formula, readable result summary, clear result details and export-ready details.
Daily Compound Interest Calculator helps with financial planning by using Initial principal, Annual interest rate, Years, Additional contribution, and Compound frequency to calculate Ending balance, Total interest, Total contributions, and Effective annual rate. It includes a visible formula, readable result summary, clear result details and export-ready details.
APY Calculator helps with financial planning by using Nominal annual rate and Compound frequency to calculate APY, Compounding, and Compounding periods. It includes a visible formula, readable result summary, clear result details and export-ready details.
CAGR Calculator helps with financial planning by using Beginning value, Ending value, and Years to calculate CAGR, Total growth, and Ending value. It includes a visible formula, readable result summary, clear result details and export-ready details.
Simple Interest Calculator helps with financial planning by using Starting amount, Annual interest rate, and Time period to calculate Total interest, Maturity amount, and Interest per year. It includes a visible formula, readable result summary, clear result details and export-ready details.
Interest Rate Calculator helps with financial planning by using Starting amount, Target amount, and Time period to calculate Required annual rate, Total growth needed, and Growth multiple. It includes a visible formula, readable result summary, clear result details and export-ready details.
Future Value Calculator helps with financial planning by using Starting amount, Monthly contribution, Expected annual return, Time period, and Yearly contribution increase to calculate Future value, Total contributions, and Estimated growth. It includes a visible formula, readable result summary, clear result details and export-ready details.
Investment Calculator helps with financial planning by using Current investment balance, Monthly investment, Expected annual return, Investment time period, and Yearly investment increase to calculate Projected balance, Total invested, and Estimated return. It includes a visible formula, readable result summary, clear result details and export-ready details.
Forex Compounding Calculator helps with financial planning by using Starting account balance, Monthly deposit, Expected annual growth, and Projection period to calculate Ending account balance, Total deposits, and Compounded growth. It includes a visible formula, readable result summary, clear result details and export-ready details.
Money Market Account Calculator helps with financial planning by using Starting balance, Monthly deposit, APY or annual rate, and Time period to calculate Ending balance, Total deposits, and Estimated interest. It includes a visible formula, readable result summary, clear result details and export-ready details.
How Long to Save Calculator helps with financial planning by using Current savings, Savings goal, Monthly saving amount, and Expected annual interest to calculate Time to goal, Ending balance, and Total saved from deposits. It includes a visible formula, readable result summary, clear result details and export-ready details.
How Long Will Money Last Calculator helps with financial planning by using Starting savings balance, Monthly withdrawal, and Expected annual return to calculate Estimated duration, Total withdrawals, and Monthly withdrawal. It includes a visible formula, readable result summary, clear result details and export-ready details.
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Latest guides
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