Utilities Calculators

Alcohol Home vs Bar Cost Calculator

Compare cost of alcohol at home vs at bars. See the premium paid for pub/bar drinking and annual difference based on your consumption.

Annual Cost of Habit Calculator

Calculate annual and 10-year cost of a daily habit from daily spend, frequency per week, and how long you've been at it.

Annual Mileage Cost Calculator

Calculate annual fuel cost from miles driven, fuel economy, and price per litre or gallon. See your estimated yearly fuel bill and cost per mile.

Antivirus Cost Calculator

Calculate annual antivirus cost across devices and compare to the cost of dealing with a malware incident — what protection actually buys per year.

Appliance Running Cost Calculator

Calculate appliance running costs by entering wattage, daily usage hours, electricity rate, and days per year to estimate annual spending.

Loan Cost Ratio Calculator

Average annual cost of a loan including interest and upfront fees, as a percentage of the loan amount. Quick comparison ratio — not the regulatory APR.

Batch Cooking Savings Calculator

Calculate your batch cooking savings vs individual meals. Enter meal costs and weekly frequency to estimate your total annual food budget savings.

Bottled Water vs Filter Calculator

Bottled water versus a home filter — savings from switching and the months it takes to break even on the filter system itself.

Break-Even Price Calculator

Calculate the minimum price per unit required to break even, given fixed costs, variable cost per unit, and expected sales volume.

Broadband Annual Cost Calculator

Calculate annual broadband cost including monthly fee and setup. Enter setup fee and contract length months to see annualised cost.

Cloud Storage Cost Calculator

Calculate total cloud storage cost per month and year across storage, egress, and API usage. Enter storage gb to see total monthly and annual cost.

Coffee Habit Annual Calculator

Calculate annual coffee spending and the long-term investment opportunity cost of buying a daily coffee instead of brewing it.

Cooking at Home Annual Savings Calculator

Annual saving from trading takeaways for home cooking — realistic numbers from a few sustained habit changes in the kitchen.

Cost per Day Calculator

Calculate daily cost of any purchase over its expected useful life. Enter purchase price and years of use to see cost per day.

Cost per Kilometre Calculator

Calculate your true cost per kilometre of driving by entering fuel, maintenance, insurance, and depreciation to get a single per-km figure.

Cost Per Trip Calculator

Find break-even trips for a travel pass vs per-ride fare — the count above which the pass starts saving money at your usage level.

local property tax Annual Impact Calculator

Calculate monthly, annual, and long-term local property tax impact from a single band rate — see what the bill quietly costs across years.

Currency Converter

Currency converter with fee modelling — see net amount received, gross amount converted, and the effective rate after fees.

Currency Exchange Fee Calculator

Calculate true cost of currency exchange including the hidden FX spread that providers add over the mid-market rate, plus transfer fees.

Discount Calculator

Calculate final price after a percentage discount and see the indicative amount saved and implied multiplier for any sale or markdown.

Eating Out vs Cooking Calculator

Compare eating out vs cooking at home costs with this calculator. Estimate your annual savings using your actual local meal prices and weekly habits.

Electricity Bill Estimator

Estimate your electricity bill from kWh usage and unit rate, with monthly totals, annual projection, and daily cost breakdown.

Energy Bill Calculator

Estimate monthly and annual energy bill from electricity and gas consumption at any rate structure. Enter electricity rate to see monthly bill and annual bill.

Energy Cost per Appliance Calculator

Calculate annual electricity cost of any appliance from wattage, daily use, and electricity rate. Enter daily hours of use to see daily and monthly.

Food Cost Calculator

Calculate annual household food budget from per-person weekly spending. Enter people in household to see annual food cost and weekly total.

Food Delivery Cost Calculator

Calculate simple annual food delivery spend from monthly order frequency and average total cost. Enter orders per month to see annual spend and monthly spend.

Food Subscription Box Calculator

Calculate the true cost per serving of any food subscription box, including weekly fees, meals, servings per meal, and projected annual spend.

Food Waste Annual Calculator

Estimate your food waste annual cost by entering daily waste weight and price per kg, projected across one year and multiple years.

Foreign Transaction Fee Calculator

What foreign transaction fees cost in a year, based on typical overseas spend and the fee rate your card charges per transaction.

Fraction to Decimal Calculator

Fraction to decimal calculator with percentage conversion. Handles terminating and repeating decimals. Instant conversion for any fraction.

Fuel Cost Calculator

Calculate fuel cost for any trip using distance, MPG, and price per litre. Returns total cost, litres used, and cost per mile.

Annual Gaming Cost Calculator

Calculate your annual gaming cost across hardware amortisation, new games, subscriptions, and in-game purchases to see your total yearly spend.

Gas Bill Estimator Calculator

Estimate annual gas bill from kWh usage, unit rate, and standing charge — see what your usage pattern implies for the year.

Gold Price Calculator

Calculate gold value from weight and market price. Supports grams, ounces, and tolas. Enter price per unit to see total value and price per gram equivalent.

Weekly Grocery Cost Calculator

Calculate realistic weekly grocery budget based on household size and eating pattern. Compare to national averages and spot over/underspend.

Grocery Delivery vs In-Store Calculator

What grocery delivery costs annually (fees plus subscription premiums) versus in-store shopping — see whether convenience actually pays.

GST Calculator

Add or remove GST at any rate, or use a custom percentage for VAT or other consumption taxes — see the tax portion and total.

Annual Heating Cost Calculator

Calculate annual heating cost based on monthly winter cost, heating months per year, and unit rate. See realistic heating budget.

Home Bar vs Pub Calculator

Compare cost of setting up a home bar vs regular pub drinking. See annual savings from home-entertaining instead of going out.

Home Energy Upgrade ROI Calculator

Calculate payback period for home energy upgrades — factor in available rebates and see net savings at 10 and 20-year horizons.

Home Insurance Annual Comparison Calculator

Compound the cost of a home insurance premium across the mortgage term — small annual numbers add up to a meaningful total.

Intermittent Fasting Savings Calculator

Calculate the annual savings from skipping meals on intermittent fasting based on typical meal cost and days per week. Free and educational.

International Money Transfer Calculator

Estimate the total cost of an international money transfer, including transfer fees and the hidden FX margin providers add over the mid-market rate.

Internet Cost Calculator

Calculate annual and 5-year cost of internet service including router rental and any one-off setup or installation fees.

Landed Cost Calculator

Calculate landed cost of imported goods by combining purchase price, shipping, import duty, and clearance fees to find your true cost per unit.

Markup Calculator

Calculate selling price from cost plus markup percentage, with the corresponding gross margin shown alongside for context.

Meal Planning Savings Calculator

See yearly savings from weekly meal planning — reduced grocery waste and fewer takeaway nights add up to a meaningful annual figure.

Meal Prep vs Eating Out Calculator

Calculate meal prep savings vs eating out. See annual and long-term total. Enter cost per prepared meal to see long-term savings from meal prep vs eating out.

Miles to Kilometres Cost Calculator

Convert cost per mile to cost per kilometre — the small-but-essential unit conversion when comparing cars across imperial and metric markets.

Mobile Money Fee Calculator

Monthly and yearly mobile money transfer fees from amount transferred, percentage fee, and any flat fee per transaction.

Mobile Phone Annual Cost Calculator

Calculate total annual mobile phone cost including monthly plan, device cost amortised, and any extras. See total spending on phone service.

Monthly Cost Tracker

Aggregate five monthly cost categories (housing, food, transport, subscriptions, other) into one monthly and annual total.

Monthly Utility Total Calculator

Calculate total monthly household utilities and see which category is the largest, with annual total and daily average broken out.

Netflix vs Cinema Calculator

Compare Netflix vs cinema costs with this calculator. Enter streaming fees and annual visits to see your total yearly entertainment spending.

Organic vs Conventional Food Cost Calculator

Calculate the annual cost premium of choosing organic food over conventional at your grocery budget. Enter weekly grocery spend to see annual premium paid.

Own-Brand vs Premium Calculator

Annual saving from trading branded products for supermarket own-brand — typical price differences across the main grocery categories.

Percentage of Value Calculator

Calculate X% of Y. Also shows half, double, and inverse percentage math. Enter value to see percentage applied to the value and plus half/double the result.

Percentage Change Calculator

Calculate percentage change, percentage of, percentage increase/decrease instantly. The most useful maths tool in finance.

Percentage Decrease Calculator

Calculate percentage decrease between two values, with the absolute drop, the percentage retained, and the simple ratio of the two figures.

Percentage Increase Calculator

Calculate percentage increase between two values and get the absolute change, percentage difference, and ratio in one quick step.

Phone Plan Lifetime Cost Calculator

Calculate lifetime spend on mobile phone plans across the remaining working years at a given monthly plan cost and assumed inflation.

Phone Upgrade Cycle True Cost

Calculate true cost of a phone upgrade cycle including the opportunity cost of money tied up in the latest device every two years.

Plant-Based Diet Cost Calculator

Calculate annual cost difference between a plant-based diet and a meat-heavy omnivore diet — see the typical savings or premiums in your shop.

Price Comparison Calculator

Compare price per unit across two products with this price comparison calculator to find the cheaper option by package size or quantity.

Price Per Unit Calculator

Calculate price per unit for any product so you can compare pack sizes accurately — the discipline behind 'is the bigger pack actually cheaper?'

Print Cost Calculator

Calculate the true annual cost of home printing — paper plus ink per page multiplied by the pages your household actually prints in a year.

Printing Cost Calculator

Calculate cost per page and annual printing costs from paper, ink, and volume. Enter pages per month to see annual total and cost per page.

Refrigerator Running Cost Calculator

Calculate refrigerator running cost by entering your fridge's kWh/year rating and local electricity rate to see annual and 10-year expenses.

Remittance Calculator

Calculate the real cost of an international remittance, including fixed fees, percentage fees, and FX markup above the mid-market rate.

Restaurant vs Home Cooking Calculator

Compare restaurant vs home cooking costs with this calculator. See the real annual difference based on your weekly dining-out habits.

Sales Tax Calculator

Calculate sales tax with state + local rates. See total price, tax, and combined rate. Enter pre-tax price to see total including tax and tax amount.

School Dinner vs Packed Lunch Calculator

School dinners versus packed lunches for children, across a typical school year — the annual difference and what it adds up to.

Shared Cost Calculator

Split a shared cost between any number of people, either equally or by custom weighting — useful for trips, group gifts, and shared bills.

SIM-Only vs Contract Calculator

Compare SIM-only plus an owned phone against a mobile contract over 2 years — see which is cheaper at total cost including the device.

Simple Interest Calculator

Calculate simple interest earnings or payments on loans and investments with quick, accurate results for short-term financial planning.

Smart Home Savings Calculator

Break-even years on smart home upgrades from annual energy savings and upfront cost, plus the 10-year net saving after that.

Software Subscription Cost Calculator

Total monthly and annual cost across up to five software subscriptions — the figure you really should know before adding the next one.

Split Bill Calculator

Split any bill among multiple people including tax and tip. Calculate per-person amounts accurately for restaurants, rent, utilities, or shared costs.

Standing Charge Calculator

Calculate the annual fixed standing charges on electricity, gas, water, and other utilities. See total you pay regardless of usage.

Streaming Subscription Cost Calculator

Calculate total annual cost of stacked streaming services and compare to traditional pay-TV packages — sometimes 'cheaper' isn't.

Streaming Service Lifetime Cost Calculator

Total career-long cost of all streaming services combined. Enter streaming total and price inflation to see nominal lifetime total.

Subscription Creep Calculator

Calculate total annual subscription spending with unused-portion analysis to identify which subscriptions are genuine cancel candidates.

Subscription vs One-Off Purchase Calculator

Compare subscription vs one-off purchase costs over any usage horizon to find which option costs less at your frequency and timeframe.

Supermarket Switcher Calculator

Annual saving from trading a premium supermarket for a discounter — the 20-30% gap applied to your monthly shop across a year.

Takeaway Habit Calculator

Calculate annual takeaway spend plus the investment opportunity cost over years — what a regular weekly habit quietly compounds to.

Tip Calculator

Calculate tip amount and split per person from bill amount, tip percentage, and number of diners, with the total bill including tip.

Tip / VAT Calculator

Calculate tips, split bills, and add VAT or sales tax instantly. Essential calculator for dining, shopping, and international transaction pricing.

Transport Pass Lifetime Cost Calculator

Project lifetime cost of transport passes over career with inflation. Enter annual pass cost and years to see nominal lifetime cost.

True Cost of Ownership Calculator

Work out the real cost of owning an item — purchase price plus annual running costs multiplied by the years you keep it.

Unit Price Comparator

Compare the true unit price of any two products to find the best value. Never overpay for larger or smaller packages again.

Utility Bill Compound Cost Calculator

Calculate your total utility bill cost over any timeframe using compound inflation. Enter monthly bill, rate, and years to project lifetime spend.

Vending Machine vs Home Snacks Calculator

Annualised cost of daily vending machine snacks vs bringing equivalent snacks from home, plus the per-day premium for vending convenience.

VPN Cost Calculator

Calculate the effective monthly and annual cost of a VPN subscription across monthly, yearly, and multi-year plan options.

Washing Machine Running Cost Calculator

Calculate the annual electricity and water cost of running a washing machine based on cycles per week and per-cycle costs.

Water Bill Calculator

Estimate your water bill from metered usage, fixed standing charges, and price per cubic metre. Enter usage m³ to see monthly and annual bill.

Work Lunch Annual Cost Calculator

Compare yearly cost of buying work lunches against bringing packed lunches — typical savings across a working year, before any tax effects.