Ten calculators that work in any country and any currency — built to show their working, not just an answer.
Growth with regular contributions, any compounding frequency, plus the inflation-adjusted real value.
Monthly payment, total interest, and a full amortisation schedule — including what an extra payment saves.
How much you can borrow on your income and debts — with a rate stress test most calculators skip.
Hourly, daily, weekly, monthly and annual pay converted both ways, with your real working pattern.
Base plus overtime at several multipliers at once — time-and-a-half, double time and Gulf 1.25×/1.5×.
Part-time or part-year pay worked out properly, including mid-month joiners and leavers.
Business days between two dates with a configurable weekend — including the Gulf Friday–Saturday pattern.
Add or remove sales tax at any rate, with the reverse calculation people most often get wrong.
Six modes in one — percent of, percent change, increase, decrease and the reverse calculation.
Projected pot versus the pot you actually need, in real terms, plus the age your savings become optional.
Calcnate started with country-specific employment calculators — end-of-service, gratuity, notice periods and leave across the Gulf, South Asia and beyond. These global tools are the layer underneath: the money and time arithmetic that is the same wherever you work.
Each one is built around three principles:
End-of-service, gratuity, notice period, leave encashment, probation and maternity calculators are organised by country — covering the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, India, the Philippines, Australia, Canada, the UK and the USA. Browse all countries →
Yes, all of them, with no sign-up and no limit on use. They run entirely in your browser.
Yes. Every money tool has a currency selector covering more than thirty currencies, and the arithmetic is currency-neutral, so an unlisted currency works too — the label is cosmetic.
No. All calculations run locally in your browser. Nothing you type is transmitted to a server or stored.
They are estimates for planning and checking, not legal, tax or financial advice. For anything binding — a settlement, a tax return, a mortgage offer — confirm with the relevant authority or a qualified professional.
The arithmetic is exact and each page states its method and assumptions. Accuracy for your situation depends on the inputs and on local rules the tool cannot know, which is why every page lists what it excludes.