The best free tools for trading and money, all in one place.
32 calculators and live dashboards, from position sizing and the full prop-firm math to net worth, retirement and mortgage payoff. No signup, no download, no email. Every tool prints the exact formula it uses, names its data source, and runs in your browser, so nothing you type ever leaves the page.
Where the market sits right now
Cached from official and public sources, refreshed through the day, not streamed tick by tick. For the full picture see today's brief.
Free tools, from trading to everyday money
Each one is free, works on desktop or phone, and needs no login.
Apps
All apps →Enter your own data once, come back and update it. Stored on your device by default; sync is opt-in where a tool offers it.
Net worth tracker
Track every asset and liability, save periodic snapshots and watch a real net worth curve build over time, with a category breakdown. Nothing leaves your browser: no account, no bank link, no upload.
Budget & cash flow tracker
Track recurring income and bills, see your real monthly cash flow and savings rate, and get a heads-up on what is due next. Built-in freelance mode for estimated-tax set-asides.
Mortgage payoff calculator
See what an extra payment really saves you, in interest and in years, across every mortgage and rental property loan you own. Tracks real payoff progress too. Nothing leaves your browser.
529 calculator
Track progress toward a college savings goal across as many kids as you have, and see exactly what monthly contribution closes the gap. Not tied to any state's 529 plan.
Rental property tracker
Track cash flow, cap rate and cash-on-cash return across every rental property you own, no bank linking, no account. See real cash flow trend over time.
Trading journal
A free trading journal you run in your own browser: log trades and see what your record says, R-multiples, expectancy, profit factor, drawdown, equity curve and breakdowns by setup, session and weekday. No account, nothing uploaded.
Calculators
All calculators →Put numbers in, get an answer out. Nothing saved between visits.
Position size calculator
Risk-based lot sizing across forex, metals, oil, indices and crypto, with account-currency conversion, broker contract conventions and shareable calculation links.
Real wage calculator
Did your raise beat inflation? Compare any two salaries against official BLS consumer price data and see whether you gained purchasing power or quietly lost it.
Coast FIRE calculator
Find your Coast FIRE number, the amount invested today that needs no further contributions to reach a full retirement. Unlike most Coast FIRE calculators, this one subtracts an expected Social Security benefit or pension first.
Personal inflation tracker
The official CPI is a national average. Enter your own monthly spending by category and get your actual personal inflation rate, weighted from official BLS category data.
Amortization calculator
The full payment-by-payment schedule for any loan repaid in instalments: mortgage, car, student or personal. Every payment split into principal and interest, with extra payments and a printable table.
Mortgage calculator
Monthly payment, full amortization schedule and where every dollar goes, starting from this week's real Freddie Mac average rate instead of a number you have to guess at.
Emergency fund & job loss runway calculator
Not just how much to save: how many months your actual emergency fund, severance and unemployment benefits would really cover if the income stopped tomorrow.
RMD calculator
Calculate your required minimum distribution across every IRA and 401(k) you own, see the combined total, and track whether you've taken it. Uses the IRS's own Uniform Lifetime Table.
Savings bond calculator
Track every Series I savings bond you own and see today's value, using the Treasury's own published fixed and inflation rate history. No serial number, no account.
Net worth by age & percentile calculator
Compare your net worth to your age group using the Federal Reserve's own survey data, inflation-adjusted to today's dollars. Save a snapshot to track your percentile over time.
US inflation calculator
What any dollar amount since 1913 is worth today, from official BLS consumer price index data, with the purchasing-power view and the compound annual rate.
Options profit calculator
Black-Scholes pricing and greeks with payoff diagrams for calls, puts, spreads, straddles, strangles and iron condors, including breakevens and max profit and loss.
Pivot point calculator
Classic, Fibonacci, Camarilla and Woodie pivots with every support and resistance level, from the previous period high, low and close.
Margin & leverage calculator
Required margin, the notional a position controls, and your effective leverage, the number that decides how hard a price move lands on your account.
Compounding calculator
Project how an account grows at a fixed return per period, with the growth curve and the gap between compounding and simple growth. A lesson in the maths, not a forecast.
Currency converter
Daily official ECB reference rates for 30 currencies, with one-year charts and 52-week stats for 40 major and cross pairs.
Live Data
All live data →Public market and economic data, refreshed on a schedule. No input required.
Today in markets (daily brief)
The trading day on one page: releases due in the next 48 hours, the yield curve, crypto sentiment, perp funding extremes and the macro backdrop, assembled from our cached public data.
Economic calendar
Every market-moving release, with the expected direction, a countdown and reminders you can export to your own calendar.
Market hours & session clock
Is the market open right now? Live status and countdowns for NYSE, Nasdaq, London, Tokyo and Hong Kong, the 2026 US holiday calendar and forex session overlaps.
US national debt clock
A live estimate of the US national debt with debt-to-GDP, debt per person, the annual interest bill, the public vs intragovernmental split and 20 years of history, from official Treasury data.
US recession indicators
A scoreboard of five well-known recession signals, the Sahm Rule, yield-curve inversion, recession probability, Chicago Fed activity index and jobless claims, each against its recognised threshold.
Central bank interest rates
Current policy rates for the Fed, ECB, Bank of England, Bank of Canada and RBA, each with its last-change date and the path of moves, from every bank's own official data.
US yield curve & inversion tracker
Is the curve inverted right now? Live 10Y-2Y and 10Y-3M spreads with five years of history, from official Federal Reserve data.
Bitcoin halving countdown
A live estimated countdown to the next Bitcoin halving, with block height, blocks remaining, the reward drop and current BTC market dominance, from public blockchain data.
Currency strength meter
Which of the eight majors is leading or lagging, ranked by average move against the basket over 1 day, 1 week or 1 month, from official ECB rates.
Crypto Fear & Greed index
Where crypto sentiment sits on the 0-100 scale right now, against the complete daily history back to 2018, with comparisons, long-run charts and extreme-sentiment stats.
How these tools are built
I trade, and I got tired of calculators that hand you a number and hide the arithmetic. So every tool here prints the formula it used and works through a real example next to it. Risking 1% of a 5,000 dollar account is 50 dollars; the position size calculator shows you exactly how it turned that 50 dollars into a lot size, not just the lot size. If the maths is wrong you can catch it, because it is on the page.
Where a tool leans on data, the data is public and the source is named. Inflation and real-wage numbers come from the US Bureau of Labor Statistics. The yield curve and recession signals come from the Federal Reserve's own series through FRED. Currency rates are the European Central Bank's daily reference rates. Central bank policy rates come from each bank's own releases. Futures positioning is the CFTC's weekly Commitments of Traders report. Nothing here is scraped from a vendor whose terms forbid showing it to you, which is why you will not see live stock or crypto prices dressed up as our own.
The market dashboards read from a cache we refresh on a schedule, not from your browser hitting an exchange. That keeps the pages fast and keeps us inside the licensing rules, but it also means a funding rate or a sentiment score is a recent snapshot, not a tick. Each page says when it was last updated, so you always know how fresh the number is.
The calculators are different again: they run entirely in your browser. Your account balance, your risk, your open positions, none of it is sent to us or stored anywhere. The statement analyzer parses your broker file on your own machine and forgets it when you close the tab. The trading journal works the same way by default, and stays that way unless you choose to sign in with Google to sync it across your own devices; nothing else on the site asks for an account.
Free trading and money tools, common questions
- What kind of tools are these, and which do I actually need?
- Each one turns a decision you're about to make into a concrete number or a clear picture: how many lots to trade, where your stop sits in real money, what an extra mortgage payment actually saves, whether your net worth is on track for your age. You don't need dozens. Most traders live on three or four, a position size calculator, a pip value or profit calculator, a trading journal to review what happened, and an economic calendar so a data release, like the next FOMC meeting, doesn't catch them mid-trade. If you're here for the money side instead, the net worth tracker and the mortgage payoff tracker are usually the first two people bookmark. The rest are for when a specific question comes up.
- Are these really free, with no signup?
- Yes. Nothing to create an account for, no email to hand over, nothing to download or install. Every calculator runs in your browser, and the market dashboards read a cached copy of public data. They are free because the running costs are small and the data is public. There is no locked paid tier and no signal service waiting at the end of a funnel.
- Are these AI tools?
- No, and that is on purpose. These are transparent calculators and dashboards, not a black box guessing where price goes next. Every tool prints the formula it used and names its data source, so you can check the arithmetic yourself. If you were hoping for a free AI that trades or invests for you, the honest answer is that no free tool reliably does that. What these remove is the manual maths, so the numbers your own decisions rest on are in front of you in seconds.
- Which tools do forex, crypto, options and day traders use most?
- Forex traders reach for the position size, pip value and profit calculators; crypto traders use the liquidation-price and funding tools and the fear and greed index; options traders use the options profit calculator; prop-firm and day traders use the drawdown, profit-target and consistency calculators alongside the free trading journal. They all share the same account-currency handling, so results come out in your own money whether you trade from London, Lagos or Mumbai. If you're planning retirement or a house instead of a trade, the RMD, mortgage payoff and net worth trackers get the same treatment: real formulas, no guessing.
Learn how the economy works
All explainers →Plain-language explainers for how inflation, the Fed and the markets actually work. No jargon.