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2000+ free calculators, instantly.

Finance, health, math, science, unit conversion, business, food, sports, education, and daily planning. Every calculator includes the tool, formula notes, examples, FAQs, and related guides.

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Browse by topic area

Five calculator collections

Every calculator is organised into one of five topic areas. Click a collection to browse all the tools, sub-categories, and guides it contains.

Finance

137 calculators

Loans, mortgages, savings, investments, tax, budgets, retirement planning and more.

Finance
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Health & Fitness

385 calculators

BMI, calories, nutrition, body composition, fitness training, sports and wellbeing.

HealthSportsFood
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Science & Engineering

755 calculators

Physics, chemistry, construction, unit conversion, technology and technical design.

ConstructionConversionPhysicsChemistryEngineeringTechnology
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Business & Data

252 calculators

Profit margins, ROI, pricing, statistics, payroll, revenue and business planning.

StatisticsBusiness
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Everyday Life

491 calculators

Math, dates, discounts, tips, education, ecology and everyday household decisions.

MathEveryday LifeEcologyEducation
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Browse by category

Calculator categories

Each category page works like a focused mini-library with topic clusters, descriptions, internal links, and calculator pages targeting specific search intent.

Finance

Plan loans, savings, investments, taxes, budgets, interest, and everyday money decisions with clear formulas and examples.

137 calculators

Health

Estimate health, fitness, nutrition, body measurements, and wellness metrics using practical reference formulas.

135 calculators

Math

Solve percentages, ratios, fractions, averages, geometry, algebra helpers, and common school or workplace math problems.

131 calculators

Construction

Estimate materials, areas, volumes, costs, paint, concrete, flooring, roofing, and renovation quantities.

130 calculators

Conversion

Convert units for length, weight, temperature, speed, volume, area, pressure, energy, and daily measurements.

125 calculators

Physics

Work with speed, force, energy, motion, electricity, waves, pressure, and classroom science formulas.

125 calculators

Chemistry

Use chemistry helpers for concentration, molarity, dilution, gas laws, molecular mass, and lab calculations.

125 calculators

Statistics

Analyze averages, probability, samples, confidence, variation, scores, and data interpretation problems.

125 calculators

Business

Estimate profit, margins, markup, inventory, payroll, pricing, revenue, productivity, and business planning metrics.

127 calculators

Everyday Life

Quick calculators for dates, time, tips, discounts, travel, fuel, recipes, shopping, and household planning.

110 calculators

Sports

Calculate pace, performance, training zones, scores, ratios, sports statistics, and fitness planning numbers.

125 calculators

Food

Scale recipes, estimate calories, cooking conversions, ingredient weights, nutrition, and meal planning quantities.

125 calculators

Ecology

Estimate energy use, water use, carbon footprint, recycling, transport impact, and sustainable living metrics.

125 calculators

Engineering

Work through mechanical, electrical, civil, and systems engineering formulas for practical design checks.

125 calculators

Education

Support learning with grade, score, GPA, reading, study time, classroom math, and academic planning calculators.

125 calculators

Technology

Estimate bandwidth, storage, download time, screen sizes, data transfer, battery life, and computing metrics.

125 calculators

Accuracy and transparency

Why United Calculator

Every page follows the same content standard: formula derivation, a worked example with real numbers, applicable laws or professional guidance, 6 plain-language FAQs, and links to 8 related tools.

Verified formulas

Each formula engine is based on published standards — TILA for loan calculations, METS tables for energy expenditure, ASTM standards for materials, and equivalents across 16 subject areas. The formula is shown in a code block on every result card so you can verify the calculation independently.

Professional context, not professional advice

Finance and health calculators cover applicable legislation (CFPB, NHS, OSHA) and reference professional thresholds (e.g. debt-to-income ratios accepted by lenders, WHO BMI categories). Every page includes a disclaimer — these tools are planning aids. Consequential decisions should be reviewed with a qualified professional.

No account, no tracking, no fee

Calculations run entirely in your browser. No data leaves your device. There are no login walls, no usage limits, no subscription tiers, and no premium paywalls. The only data stored is nothing — no cookies are set beyond what your browser requires to render the page.

Transparent methodology

Smart defaults come from published benchmarks — median UK household income from ONS, US average mortgage rate from Freddie Mac weekly surveys, average commute distances from the US Census ACS. Defaults are documented in the article body on each calculator page.

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Simple by design

How United Calculator works

Three steps from question to answer — no account, no subscription, no ads cluttering the result.

Search or browse

Type a topic into the search box or click a category. Each category is a mini-library of 125 calculator pages targeting specific questions — loan payments, BMI, tile counts, carbon footprint, and more.

Enter your values

Smart defaults are pre-filled so you get an immediate example result. Replace any field with your own data. Click the ? icon on any field for a plain-language explanation of what that input means.

Read, copy, and share

The result updates in real time. The formula is shown in a code block below the answer. Copy the result to your clipboard, share it to 8 social platforms, or scroll down for the full explanation, FAQs, and 8 related calculators.

Car Loan Calculator

Calculate monthly car loan payments, total interest, and true cost of ownership including depreciation. Compare lease vs buy with full amortization table.

A car loan calculator estimates monthly payments, total interest, and total cost of financing a vehicle purchase over a set term at a given interest rate. Vehicle finance takes various forms across markets — hire purchase (HP), personal contract purchase (PCP), personal contract hire (leasing), and unsecured personal loans — each with different structures, ownership implications, and total costs. The calculator helps compare the true cost of different finance options before committing to a dealer's proposal. and provide useful context for the broader financial impact.

PCP (Personal Contract Purchase) is common in the UK and some European markets — it includes a final "balloon" payment representing the guaranteed minimum future value (GMFV) of the vehicle. Monthly payments are lower than HP because you finance only the depreciation portion (purchase price minus GMFV) rather than the full vehicle value. Understanding this structure is essential for comparing PCP against HP or a personal loan on a total-cost basis.

  1. Enter the vehicle price (or the amount to finance after any deposit or trade-in).
  2. Enter the annual interest rate (APR) as stated in your finance agreement.
  3. Enter the loan term in months (typical: 24, 36, 48, or 60 months).
  4. For PCP, enter the optional final balloon payment (GMFV) — subtract the present value of this payment from the financed amount.
  5. Read the monthly payment, total interest, and total amount payable.
  6. Compare total cost of ownership across different finance types and terms to find the most cost-effective option.

Car loan payment formula

HP or personal loan monthly payment: PMT = P × r / (1 − (1+r)^−n)

where P = amount financed, r = monthly rate (APR ÷ 12 ÷ 100), n = term in months.

For PCP, subtract the present value of the balloon from the financed amount before applying the formula.

Worked example HP: 18,000 car, 3,000 deposit, 7.9% APR, 48 months. Finance = 15,000. r = 0.658%/month. PMT = 15,000 × 0.00658 / (1 − 1.00658^−48) ≈ 365/month. Total paid = 17,520. Interest = 2,520.

Understanding your car finance result

Total cost comparison across finance types

For a 20,000 car over 4 years at 8% APR: HP — approximately 488/month, total cost 23,400, you own the car outright; personal loan — similar total, no balloon risk; PCP with 8,000 balloon — approximately 310/month over 48 months plus 8,000 optional final payment = 22,880 total if you buy, or hand back the car. PCP is cheapest if you plan to change car every 3–4 years; HP or personal loan is cheapest if you keep the car long-term. Always compare Total Amount Payable (TAP), not just monthly payments.

Finance tips and best practices

Common mistakes to avoid

Vehicle finance regulation varies by country. In most markets, hire purchase and personal contract purchase agreements are regulated credit agreements that grant the finance company ownership of the vehicle until the final payment. Consumer protection laws in most jurisdictions require lenders to disclose APR, total amount payable, and key contract terms. For disputes about mis-selling or contract terms, contact the relevant financial regulator or consumer protection authority in your jurisdiction. This calculator is for illustrative purposes only and does not constitute financial advice.