All Calculators

Free calculators and tools across finance, health, education, and lifestyle

UrsaClimb provides free, instant calculators for making better decisions. No signup required. All calculators work offline and your data never leaves your device.

Finance Calculators

Mortgage Calculator

Calculate monthly payments, total interest, and see complete amortization schedule for home loansmortgage, home loan, monthly payment

Car Loan Calculator

Calculate monthly auto loan payments, total interest, and see how down payment and trade-in affect your financingcar loan, auto loan, car payment

Student Loan Calculator

Calculate payments for federal and private student loans, compare repayment plans, and see interest savingsstudent loan, federal loan, private loan

Debt Payoff Calculator

Compare avalanche vs snowball debt payoff strategies and calculate total interest savingsdebt payoff, avalanche method, snowball method

Emergency Fund Calculator

Determine how much you need in emergency savings based on your expenses and risk factorsemergency fund, savings, financial security

Investment Calculator

Project investment growth with compound interest, calculate retirement savings, and plan for financial goalsinvestment, compound interest, retirement

Savings Goal Calculator

Calculate how long it will take to reach your savings goal with monthly contributions and interestsavings goal, savings timeline, goal planner

Loan Comparison Calculator

Compare multiple loan offers side-by-side including monthly payments, interest, and total costloan comparison, compare loans, best loan rate

Budget Calculator

Track income vs expenses using the 50/30/20 rule and get personalized budget recommendationsbudget calculator, 50/30/20 rule, budget planner

APR Calculator

Calculate the true Annual Percentage Rate (APR) of a loan including fees and compare effective rates across different loansapr calculator, annual percentage rate, apr vs interest rate

Retirement Calculator

Calculate how much you need to save for retirement and project your retirement savings growth over time using the 4% ruleretirement calculator, retirement savings, 4 percent rule

Car Affordability Calculator

Calculate how much car you can afford based on income, debts, and down payment using the 20/4/10 rule and debt-to-income ratioscar affordability calculator, how much car can i afford, 20 4 10 rule

Tax Calculator

Calculate your federal income tax, effective tax rate, and marginal tax bracket based on 2024 IRS tax brackets and deductionstax calculator, federal tax calculator, income tax calculator

Business Calculators

Salary Calculator

Convert between hourly, daily, weekly, monthly, and yearly salary. Calculate take-home pay with tax rates and compare compensation packages.salary calculator, hourly to yearly, salary conversion

Health Calculators

Calorie Deficit Calculator

Calculate safe daily calorie deficit for weight loss, see timeline projections, and plan sustainable fat loss with personalized recommendationscalorie deficit calculator, weight loss calculator, calorie deficit

TDEE & Macro Calculator

Calculate your Total Daily Energy Expenditure and personalized macronutrient targets for your goalsTDEE, calories, macros

BMI Calculator

Calculate your Body Mass Index and determine weight category (underweight, normal, overweight, obese) with healthy weight rangesbmi calculator, body mass index, bmi chart

Body Fat Percentage Calculator

Calculate body fat percentage using Navy method, see health ranges and lean vs fat mass breakdownbody fat, body composition, navy method

Protein Calculator

Calculate daily protein needs based on weight, activity level, and fitness goals with meal breakdownprotein calculator, daily protein, protein intake

Pace Calculator

Convert running pace to speed (min/mile ↔ mph), predict race finish times for 5K, 10K, half marathon, and marathon distancespace calculator, running pace, min per mile

One Rep Max Calculator

Calculate 1RM for bench press, squat, deadlift with training percentages and strength standardsone rep max, 1rm calculator, bench press max

Water Intake Calculator

Calculate daily water intake needs based on weight, activity level, and climate. Get personalized hydration goals with hourly targets and bottle count.water intake calculator, how much water should i drink, daily hydration

Education Calculators

GPA Calculator

Calculate your grade point average with weighted (AP/Honors) or unweighted scales. Track multiple classes and see college admissions context.gpa calculator, grade point average, weighted gpa

Grade Calculator

Calculate what grade you need on your final exam or assignment to reach your target grade. Plan study priorities with scenario analysis.grade calculator, final grade calculator, what grade do i need

Unit Converter

Convert between units for length, weight, temperature, volume, speed, area, and time. Supports imperial and metric systems with instant results.unit converter, metric converter, inches to cm

Lifestyle Calculators

Tip Calculator

Calculate tips for restaurants and services. Split bills among friends and round totals for easy cash payments.tip calculator, gratuity calculator, bill splitter

Sleep Calculator

Calculate optimal bedtimes and wake times based on 90-minute sleep cycles. Wake up feeling refreshed by completing full sleep cycles.sleep calculator, sleep cycle calculator, when should i go to bed

Age Calculator

Calculate your exact age in years, months, days, hours, and minutes. Find days until your next birthday, compare ages, and discover your zodiac sign.age calculator, how old am i, age in days

Coming Soon

• BMI & Body Fat % Calculator• One Rep Max Calculator• Protein Calculator• GPA Calculator• Tax Calculator• Tip Calculator• Retirement Calculator• Meal Planner• And 170+ more tools!

Why Use Our Calculators?

Free Forever

All calculators are completely free with no hidden fees, paywalls, or premium tiers. We believe financial and health tools should be accessible to everyone.

No Signup Required

Use any calculator instantly without creating an account. Your privacy is important - we don't track, store, or sell your data.

Works Offline

All calculations happen in your browser. No server requests means instant results and complete privacy. Your data never leaves your device.

Mobile Friendly

All calculators work perfectly on phones, tablets, and desktops. Calculate on the go, wherever you need quick answers.