Free calculators
Clear formulas. Visible assumptions.
Every calculator is an illustration built from the inputs and assumptions you can inspect.
KlarFort is not financial, investment, tax, or legal advice. Verify outputs before making material decisions.
EFMC Digital LLC publishes these tools. Calculations use monthly timelines, explicitly stated interest conventions, and currency rounding at output. Investment paths use a seeded lognormal model; cash-flow uncertainty uses the separate app cash-flow model. Neither predicts future outcomes.
Inflation uses World Bank CPI without filling missing years. US household wealth bands use the Federal Reserve SCF with weighted statistics calculated separately across five implicates. Survey dollars and age groups are stated beside the comparison.
Privacy and reproducibility
Page inputs stay in your browser. No calculation requires an account. Save a result CSV locally or share a card containing only dates, months or percentages. API callers supply their own inputs; use POST to avoid personal figures in request URLs.
CAGR and ROI calculator
Calculate compound annual growth and total return from starting and ending values, or solve for a future value, present value or investment duration.
Open calculator →borrowingCar loan, lease and ownership calculator
Compare buying, leasing or keeping a car over the same period. Include loan payments, depreciation, negative equity and electric or petrol running costs.
Open calculator →investingCompound interest and SIP calculator
Project lump-sum and monthly investment growth with compound interest. Include rising contributions, inflation and the first-million milestone.
Open calculator →cryptoCrypto converter and DCA calculator
Convert crypto to fiat or fiat to crypto after entered fees. Model regular purchases with an assumed price change in a forward DCA scenario.
Open calculator →cryptoCrypto trading profit, liquidation and staking calculator
Calculate crypto trade profit after fees, isolated liquidation estimates, position size and staking rewards. Convert nominal APR and effective APY.
Open calculator →moneyCurrency converter and transfer fee calculator
Convert currencies and check a transfer quote. Compare the reference rate, quoted rate and fee to see the amount received and effective exchange rate.
Open calculator →borrowingDebt payoff calculator: avalanche and snowball
Compare debt avalanche, snowball and consolidation payoff plans. Include promotional rates, minimum payments, transfer fees and protected emergency cash.
Open calculator →savingDeposit and savings interest calculator
Calculate compound deposit interest after entered tax and withdrawal penalties. Compare a single deposit with an equally funded deposit ladder.
Open calculator →investingDividend income and reinvestment calculator
Estimate dividend income, reinvestment growth and capital needed for an income target. Enter yield, dividend growth, price growth and dividend tax.
Open calculator →planningFIRE and Coast FIRE calculator
Estimate your financial independence target, saving timeline and Coast FIRE balance using spending, income, inflation and withdrawal assumptions.
Open calculator →moneyInflation calculator by country and year
Compare purchasing power between available years using national CPI data. Calculate equivalent amounts, cumulative inflation and annualized change.
Open calculator →investingInvestment growth calculator with fees and inflation
Compare gross, after-fee, after-tax and inflation-adjusted investment growth. Model contributions, withdrawals and a range of simulated outcomes.
Open calculator →borrowingLoan and EMI calculator
Calculate monthly loan payments, total interest and payoff time. Compare flat and reducing interest, extra payments and an amortization schedule.
Open calculator →borrowingMortgage payment and affordability calculator
Estimate mortgage payments and total housing costs. Check after-tax affordability, deposit requirements, cash reserves and income-loss scenarios.
Open calculator →planningNet worth calculator with US household comparison
Calculate assets minus debts with editable item lists. Optionally compare household net worth in 2022 US dollars with Survey of Consumer Finances data.
Open calculator →borrowingMortgage overpayment versus investing calculator
Compare mortgage overpayments with investing spare cash. See payoff dates, end wealth, liquidity and simulated outcomes using equal monthly budgets.
Open calculator →borrowingRent versus buy calculator
Compare renting and buying over the same period, including mortgage costs, rent growth, home value changes, transaction costs and invested savings.
Open calculator →planningRetirement calculator with pension and spending stages
Project retirement savings with contributions, pension income, changing spending, inflation and withdrawals. Explore simulated balances and shortfall risk.
Open calculator →planningCash runway calculator: how long will money last?
Estimate how long liquid savings cover expenses. Compare spending and income changes, job loss, a sabbatical and simulated cash drawdown.
Open calculator →savingSavings goal and monthly budget calculator
Find the monthly saving needed for a goal or estimate how long it will take. Include existing savings, assumed returns and a 50/30/20 budget illustration.
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