# CalcFleet > 122 free, accurate calculators for money, home, fitness, cooking, and AI economics. Every result is computed by a tested, source-cited formula — never by a language model. Each calculator is also a JSON REST API and an MCP tool, so agents can call the same math humans use. ## How to use CalcFleet - Browse or search every tool at https://calcfleet.com/tools - Each tool page shows the formula's sources and a worked explanation - Programmatic access: https://calcfleet.com/developers (REST API) and https://calcfleet.com/mcp (MCP server) - Live US economic data (rates, inflation, energy): https://calcfleet.com/data ## Principles - The math is deterministic and unit-tested; AI is used only to route questions, never to compute answers. - Prices and rates carry an explicit vintage ("as of — verify"). - Free to use, no advertising trackers beyond consent-gated analytics. ## Decision paths - [Get out of debt](https://calcfleet.com/paths/get-out-of-debt): A three-step debt payoff path: compare avalanche vs snowball strategies, test whether a consolidation loan actually helps, then redirect the freed cash. - [Retire on your terms](https://calcfleet.com/paths/retire-on-your-terms): Find the monthly savings rate your retirement target needs, stress-test it with a Monte Carlo simulation, then challenge the plan against market history. - [Price your work](https://calcfleet.com/paths/price-your-work): Set your freelance hourly rate from income and expense targets, find your break-even point, and sanity-check margin and markup on every price you quote. - [Automate or hire](https://calcfleet.com/paths/automate-or-hire): Decide whether to automate a process with AI, hire an employee, or outsource it. Payback months, fully loaded labor cost, and global hiring, side by side. ## Comparisons - [Avalanche vs Snowball](https://calcfleet.com/vs/debt-avalanche-vs-snowball): Debt avalanche vs snowball: the avalanche saves the most interest, the snowball builds momentum with quick wins. See which one pays off your debt faster. - [Lease vs Buy a Car](https://calcfleet.com/vs/lease-vs-buy-car): Lease vs buy a car: leasing means lower payments but no ownership, buying costs more monthly but builds equity. Compare the true cost over your time frame. - [Rent vs Buy a Home](https://calcfleet.com/vs/rent-vs-buy-home): Rent vs buy a home: buying builds equity but ties up cash and time, renting stays flexible. Compare the real break-even point for your numbers and timeline. - [Self-Host vs API (LLMs)](https://calcfleet.com/vs/self-host-vs-api-llm): Self-host vs API for LLMs: renting GPUs has fixed cost but scales with volume, APIs charge per token. Find the monthly token breakeven for your workload. - [LoRA vs Full Fine-Tuning](https://calcfleet.com/vs/lora-vs-full-fine-tuning): LoRA vs full fine-tuning: LoRA trains a small adapter cheaply on modest GPUs, full tuning updates every weight for maximum fit. Compare cost and VRAM needs. - [Roth IRA vs 401(k) Match](https://calcfleet.com/vs/roth-ira-vs-401k-match): Roth IRA vs 401(k) match: the employer match is an instant return you rarely beat, a Roth IRA grows tax-free. See how to order your retirement contributions. ## API and agent access - REST API: https://calcfleet.com/developers — POST /api/v1/tools/{slug} with JSON body - OpenAPI spec: https://calcfleet.com/api/openapi - MCP server: https://calcfleet.com/api/mcp (Streamable HTTP, free during launch) - MCP landing: https://calcfleet.com/mcp ## Calculators by category ### Mortgage & Home Loans Overpayments, refinancing, points, PITI, and closing costs — model every part of your home loan with clear numbers. - [Mortgage Overpayment Calculator](https://calcfleet.com/mortgage/mortgage-overpayment-calculator) - [Mortgage Refinance Calculator](https://calcfleet.com/mortgage/mortgage-refinance-calculator) - [Mortgage Closing Cost Estimator](https://calcfleet.com/mortgage/closing-cost-calculator) - [Mortgage Discount Points Break-Even Calculator](https://calcfleet.com/mortgage/mortgage-points-calculator) - [Home Affordability Calculator](https://calcfleet.com/mortgage/home-affordability-calculator) - [Down Payment Calculator with PMI Threshold](https://calcfleet.com/mortgage/down-payment-calculator) - [Mortgage PITI Calculator](https://calcfleet.com/mortgage/mortgage-piti-calculator) ### Home & Renting Affordability, down payments, and the rent-versus-buy decision, worked through with numbers instead of guesswork. - [Rent vs Buy Calculator](https://calcfleet.com/home/rent-vs-buy-calculator) - [Paint Calculator: How Much Paint Do I Need?](https://calcfleet.com/home/paint-calculator) - [Rent Affordability Calculator](https://calcfleet.com/home/rent-affordability-calculator) - [Solar Panel Savings Calculator](https://calcfleet.com/home/solar-panel-savings-calculator) - [Solar System Size Calculator (kW Needed)](https://calcfleet.com/home/solar-system-size-calculator) - [Appliance Electricity Cost Calculator](https://calcfleet.com/home/electricity-cost-calculator) - [Heat Pump vs Furnace Savings Calculator](https://calcfleet.com/home/heat-pump-savings-calculator) - [Home Battery Backup Size Calculator](https://calcfleet.com/home/home-battery-size-calculator) - [Flooring Calculator (Boxes & Cost)](https://calcfleet.com/home/flooring-calculator) - [Tile Calculator (Tiles Needed)](https://calcfleet.com/home/tile-calculator) - [Concrete Calculator (Cubic Yards & Bags)](https://calcfleet.com/home/concrete-calculator) - [Drywall Sheet Calculator](https://calcfleet.com/home/drywall-calculator) - [Deck Board Calculator (Linear Feet & Boards)](https://calcfleet.com/home/deck-boards-calculator) - [Fence Calculator (Posts, Panels, Rails)](https://calcfleet.com/home/fence-calculator) - [Mulch Calculator (Cubic Yards & Bags)](https://calcfleet.com/home/mulch-calculator) - [Topsoil Calculator (Yards & Weight)](https://calcfleet.com/home/topsoil-calculator) - [Grass Seed Calculator](https://calcfleet.com/home/grass-seed-calculator) - [Gravel & Aggregate Calculator (Yards & Tons)](https://calcfleet.com/home/gravel-calculator) - [Fertilizer Calculator (N-P-K Rate)](https://calcfleet.com/home/fertilizer-calculator) ### Loans & Financing Amortization schedules, personal loans, student loans, and HELOCs mapped out payment by payment from day one. - [Student Loan Payoff Calculator](https://calcfleet.com/loans/student-loan-calculator) - [Loan Amortization Calculator](https://calcfleet.com/loans/loan-amortization-calculator) - [HELOC Payment Calculator (Draw + Repayment)](https://calcfleet.com/loans/heloc-calculator) - [Personal Loan Calculator with APR & Amortization](https://calcfleet.com/loans/personal-loan-calculator) - [Debt-to-Income (DTI) Ratio Calculator](https://calcfleet.com/loans/dti-calculator) ### Debt & Credit Payoff plans, balance transfers, consolidation, and debt-to-income checks to get out of debt faster and cheaper. - [Debt Payoff Calculator: Avalanche vs Snowball](https://calcfleet.com/debt/debt-payoff-calculator) - [Balance Transfer Calculator](https://calcfleet.com/debt/balance-transfer-calculator) - [Debt Consolidation Calculator](https://calcfleet.com/debt/debt-consolidation-calculator) - [Credit Card Payoff Calculator](https://calcfleet.com/debt/credit-card-payoff-calculator) ### Auto Loans See the true monthly cost of financing a car — with taxes, fees, and interest all folded into one honest number. - [Car Loan Calculator with Sales Tax and Trade-In](https://calcfleet.com/auto/car-loan-calculator) - [EV Charging Cost Calculator](https://calcfleet.com/auto/ev-charging-cost-calculator) - [Car Affordability Calculator](https://calcfleet.com/auto/car-affordability-calculator) - [Car Lease Payment Calculator (Money Factor)](https://calcfleet.com/auto/car-lease-calculator) - [Lease vs Buy a Car Calculator](https://calcfleet.com/auto/lease-vs-buy-car-calculator) - [Car Depreciation Calculator](https://calcfleet.com/auto/car-depreciation-calculator) - [Cost Per Mile to Own a Car Calculator](https://calcfleet.com/auto/cost-per-mile-calculator) - [Gas vs Electric Car Cost Calculator](https://calcfleet.com/auto/gas-vs-electric-car-calculator) ### Savings & Investing Compound growth, APY, FIRE targets, and goal planning to help your money grow steadily over the years ahead. - [Compound Interest Calculator](https://calcfleet.com/savings/compound-interest-calculator) - [Savings Goal Calculator](https://calcfleet.com/savings/savings-goal-calculator) - [FIRE Calculator: When Can You Retire Early?](https://calcfleet.com/savings/fire-calculator) - [APY Calculator: APR to APY Conversion](https://calcfleet.com/savings/apy-calculator) - [401(k) Employer Match Calculator](https://calcfleet.com/savings/401k-match-calculator) - [Roth IRA Growth Calculator](https://calcfleet.com/savings/roth-ira-calculator) - [CD Ladder Calculator](https://calcfleet.com/savings/cd-ladder-calculator) - [Coast FIRE Calculator](https://calcfleet.com/savings/coast-fire-calculator) - [DRIP Dividend Reinvestment Calculator](https://calcfleet.com/savings/dividend-reinvestment-calculator) - [Savings Drawdown Calculator](https://calcfleet.com/savings/savings-drawdown-calculator) - [Retirement Monte Carlo Calculator](https://calcfleet.com/savings/retirement-monte-carlo-calculator) - [Required Savings Calculator](https://calcfleet.com/savings/required-savings-calculator) - [Purchase Impact Calculator](https://calcfleet.com/savings/purchase-impact-calculator) ### Salary & Take-Home Pay Turn a gross salary into the real take-home pay that lands in your account after taxes and payroll deductions. - [Take-Home Pay Calculator (US)](https://calcfleet.com/salary/take-home-pay-calculator) - [Salary to Hourly Calculator (and Back)](https://calcfleet.com/salary/salary-to-hourly-calculator) - [Overtime Pay Calculator (Time-and-a-Half)](https://calcfleet.com/salary/overtime-pay-calculator) - [Pay Raise Calculator](https://calcfleet.com/salary/pay-raise-calculator) - [PTO Accrual Calculator](https://calcfleet.com/salary/pto-accrual-calculator) ### Business & Startups ROI, break-even, margins, runway, SaaS metrics, and pricing — the core math operators and founders run every week. - [Break-Even Point Calculator](https://calcfleet.com/business/break-even-calculator) - [Margin and Markup Calculator](https://calcfleet.com/business/margin-markup-calculator) - [ROI Calculator with Annualized Return](https://calcfleet.com/business/roi-calculator) - [SaaS MRR Growth Projection Calculator](https://calcfleet.com/business/saas-mrr-growth-calculator) - [CAC : LTV Ratio Calculator](https://calcfleet.com/business/cac-ltv-calculator) - [ROAS & Break-Even ROAS Calculator](https://calcfleet.com/business/roas-calculator) - [Churn & Retention Rate Calculator](https://calcfleet.com/business/churn-rate-calculator) - [CAC Payback Period Calculator](https://calcfleet.com/business/payback-period-calculator) - [Burn Rate & Runway Calculator](https://calcfleet.com/business/burn-rate-runway-calculator) - [Product Pricing Calculator](https://calcfleet.com/business/product-pricing-calculator) - [US Sales Tax Calculator (by State) + Reverse](https://calcfleet.com/business/sales-tax-calculator) - [Amazon FBA Profit Calculator](https://calcfleet.com/business/amazon-fba-calculator) - [Etsy Fee & Profit Calculator](https://calcfleet.com/business/etsy-fee-calculator) - [Ecommerce Profit Margin Calculator](https://calcfleet.com/business/ecommerce-profit-margin-calculator) - [True Cost of an Employee Calculator](https://calcfleet.com/business/employee-cost-calculator) - [Hire vs Outsource Calculator](https://calcfleet.com/business/hire-vs-outsource-calculator) - [Global Hiring Cost Calculator](https://calcfleet.com/business/global-hiring-cost-calculator) - [LLC vs Sole Proprietor Calculator](https://calcfleet.com/business/llc-vs-sole-proprietor-calculator) - [Pricing Strategy Calculator](https://calcfleet.com/business/pricing-strategy-calculator) - [Lead Gen Budget Calculator](https://calcfleet.com/business/lead-gen-budget-calculator) - [Tiered Commission Calculator (USD)](https://calcfleet.com/business/tiered-commission-calculator) ### AI & LLM Economics LLM API costs, token estimates, GPU memory, adoption ROI, and research-based job exposure — the numbers behind building with AI. - [LLM API Cost Calculator (GPT-4o, Claude, Gemini)](https://calcfleet.com/ai/llm-api-cost-calculator) - [Token Counter & Context-Window Fit Calculator](https://calcfleet.com/ai/token-counter-calculator) - [AI Build vs Buy Calculator (API vs Self-Host)](https://calcfleet.com/ai/ai-build-vs-buy-calculator) - [GPU VRAM Calculator (Model Size & GPU Fit)](https://calcfleet.com/ai/gpu-vram-calculator) - [AI Tool ROI Calculator (Payback on Adoption)](https://calcfleet.com/ai/ai-roi-calculator) - [AI Job Exposure Score](https://calcfleet.com/ai/ai-job-exposure-calculator) - [AI Automation Payback Calculator (Process ROI)](https://calcfleet.com/ai/ai-automation-payback-calculator) - [LLM Self-Host vs API Cost Calculator](https://calcfleet.com/ai/llm-self-host-vs-api-calculator) - [Fine-Tuning Cost Calculator](https://calcfleet.com/ai/fine-tuning-cost-calculator) - [RAG Cost Calculator](https://calcfleet.com/ai/rag-cost-calculator) - [AI Agent Cost Calculator](https://calcfleet.com/ai/ai-agent-cost-calculator) - [Prompt Caching Savings Calculator (LLM API Costs)](https://calcfleet.com/ai/prompt-caching-savings-calculator) - [LLM Throughput & GPU Sizing Calculator](https://calcfleet.com/ai/llm-throughput-calculator) ### Freelance & Self-Employed Set a defensible hourly or project rate that actually covers your costs, taxes, time off, and target take-home pay. - [Freelance Hourly Rate Calculator](https://calcfleet.com/freelance/freelance-hourly-rate-calculator) - [1099 vs W-2 Rate Calculator](https://calcfleet.com/freelance/contractor-vs-employee-calculator) ### Fitness & Nutrition Estimate daily calories, total energy expenditure, and macro targets to line your eating up with your goals. - [TDEE Calculator: Daily Calorie Needs](https://calcfleet.com/fitness/tdee-calculator) - [Macro Calculator: Protein, Carbs and Fat Targets](https://calcfleet.com/fitness/macro-calculator) - [One Rep Max (1RM) Calculator](https://calcfleet.com/fitness/one-rep-max-calculator) - [Body Fat Percentage Calculator (Navy Method)](https://calcfleet.com/fitness/body-fat-calculator) - [Ideal Weight Calculator (4 Formulas)](https://calcfleet.com/fitness/ideal-weight-calculator) - [Calories Burned Calculator (MET-Based)](https://calcfleet.com/fitness/calories-burned-calculator) - [Heart Rate Zone Calculator](https://calcfleet.com/fitness/heart-rate-zone-calculator) - [Calorie Deficit Calculator (Goal Weight by Date)](https://calcfleet.com/fitness/calorie-deficit-calculator) ### Sport & Training Dial in running pace, splits, and race targets so every training session points at the finish time you want. - [Running Pace Calculator with Race Predictions](https://calcfleet.com/sport/running-pace-calculator) ### Cooking & Kitchen Scale recipes, convert baking pans, nail dough and brine ratios, and cost a dish per serving with confident kitchen math. - [Recipe Scaler / Serving Size Calculator](https://calcfleet.com/cooking/recipe-scaler-calculator) - [Baking Pan Size Conversion Calculator](https://calcfleet.com/cooking/baking-pan-conversion-calculator) - [Pizza Dough Calculator (Baker's Percentage)](https://calcfleet.com/cooking/pizza-dough-calculator) - [Turkey Cooking Time & Thaw Calculator](https://calcfleet.com/cooking/turkey-cooking-time-calculator) - [Recipe Cost & Cost-Per-Serving Calculator](https://calcfleet.com/cooking/recipe-cost-calculator) - [Brine Calculator (Salt Ratio by Weight)](https://calcfleet.com/cooking/brine-calculator) ### Photography Depth of field, crop factor, print resolution, time-lapse, and aspect ratios — the precise technical numbers behind a shot. - [Depth of Field & Hyperfocal Calculator](https://calcfleet.com/photography/depth-of-field-calculator) - [Crop Factor / Equivalent Focal Length Calculator](https://calcfleet.com/photography/crop-factor-calculator) - [Print Resolution & Max Print Size Calculator](https://calcfleet.com/photography/print-resolution-calculator) - [Time-Lapse Calculator (Interval, Clip, Storage)](https://calcfleet.com/photography/time-lapse-calculator) - [Aspect Ratio Calculator (Resize & Crop)](https://calcfleet.com/photography/aspect-ratio-calculator) ### Pet Ownership Dog years, food portions, puppy growth, lifetime costs, and aquarium sizing — the everyday numbers of caring for a pet. - [Dog Age Calculator (Human Years, Size-Adjusted)](https://calcfleet.com/pet/dog-age-calculator) - [Dog & Cat Food Portion Calculator](https://calcfleet.com/pet/pet-food-portion-calculator) - [Puppy Adult Weight Predictor](https://calcfleet.com/pet/puppy-weight-calculator) - [Pet Cost Calculator (First-Year & Lifetime)](https://calcfleet.com/pet/pet-cost-calculator) - [Aquarium Volume & Stocking Calculator](https://calcfleet.com/pet/aquarium-stocking-calculator)