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Free Online Calculators With Steps for Money, Math and Dates

Free online calculators with step-by-step working for money, math, dates, grades, health, conversions and home projects, all running in your browser.

Money, tax and pay

Tip, Discount and Sales Tax Calculator A tip calculator that splits the bill, plus percent-off sale prices and sales tax totals, each with the working shown and rounded to the cent. Self-Employment Tax Calculator for 1099 Income, 2026 Estimate self-employment tax, federal income tax and your four quarterly payments on 1099 income for 2026, with the working shown. Mortgage Calculator With Taxes, PMI and Extra Payments Estimate your monthly mortgage payment with taxes, insurance, PMI and extra payments, plus total interest and a full amortization table. Loan Calculator: Payment, Payoff Time, Amount and APR Find your monthly loan payment, how long a loan takes to pay off or how much you can borrow, with total interest, APR and an amortization table. Car Loan Calculator With Trade-In, Tax and Fees Work out your monthly car payment with trade-in, sales tax, fees and any term from 36 to 84 months, plus total interest and the cost of a longer loan. Compound Interest Calculator With Monthly Contributions Enter a deposit, a rate and a time to see your final balance, the interest earned and a year-by-year table, with every step of the working shown. Dividend Calculator With DRIP and Monthly Contributions See what a dividend portfolio grows to when dividends are reinvested (DRIP) or taken as cash, with monthly contributions, dividend growth and tax. Simple Interest Calculator With Formula and Steps Find simple interest, principal, rate or time with I = P × r × t. Example: $1,000 at 5% for 3 years earns $150, for a total of $1,150. Retirement Calculator With Inflation and the 4% Rule Enter your age, savings and monthly saving to see your projected retirement balance in today's dollars, the 4% rule income and any shortfall. FIRE Calculator: FI Number, Coast FIRE and Milestone Tracker Enter your spending, savings and monthly saving to see your FI number, years to financial independence, Coast FIRE number and a milestone ladder you can print. Credit Card Payoff Calculator With Months and Interest Enter your balance, APR and a monthly payment to see how many months it takes to pay off your credit card and how much interest it costs. Debt Snowball and Avalanche Calculator Enter your debts and an extra monthly payment to compare the snowball and avalanche methods: payoff date, interest paid and the order each debt is cleared. Budget Calculator: Income, Expenses and 50/30/20 Check Enter your pay and monthly expenses to see what is left over, your savings rate, a 50/30/20 check in dollars and how your spending compares with the US average. Hourly to Salary Calculator: Annual, Monthly and Biweekly Pay Convert an hourly rate to an annual, monthly, biweekly, weekly or daily salary, or a salary to an hourly rate, using your own hours and weeks. Overtime Calculator: Time and a Half, Double Time and Weekly Pay Work out overtime pay at time and a half or double time, split a week of hours at 40, or find your overtime hours from your total pay. Markup Calculator: Price, Cost, Markup % and Margin % Find the selling price, cost, markup percent or margin percent from any two, convert markup to margin, and test discounts. VAT Calculator: Add or Remove VAT (UK and EU Rates) Add VAT to a net price or remove it from a gross price, with UK and EU rates filled in and every step shown. Rates checked October 2026. GST Calculator: Add or Remove GST (Australia, NZ, India) Add GST to a price or remove it from a GST-inclusive total, with Australia, New Zealand, India and Singapore rates filled in. Checked October 2026. Canada Sales Tax Calculator: GST, HST, PST and QST by Province Pick a province or territory to add or remove GST, HST, PST or QST, with every province's rate in one table. Rates checked October 2026.

Dates and time

Age Calculator: Exact Age in Years, Months and Days Type a date of birth to see your exact age in years, months and days, your total days lived and the date of your next birthday, with the working shown. Date Calculator: Add or Subtract Days, Weeks, Months Pick a start date, add or subtract days, weeks, months or years, and get the new date with its weekday and week number, with the working shown. Days Between Dates Calculator: Days, Weeks and Workdays Pick two dates to count the days between them, in weeks, months and working days, with an option to include the end date and the working shown. Business Days Calculator With Holidays and Weekends Add or subtract business days, or count the business days between two dates, skipping weekends and holidays, with every step shown. Days Until Calculator for Holidays and Any Date Count the days, weeks, months and hours until Christmas, Halloween, Easter or any date you pick, with a countdown table for 20 holidays. Work Hours Calculator With Breaks, Overtime and Pay Add up hours worked from start and end times, subtract unpaid breaks, handle overnight shifts and see weekly totals, overtime and pay. Time Calculator: Add and Subtract Hours and Minutes Add or subtract hours and minutes, find the time between two times and convert hours to decimals. Example: 9:45 + 2:30 = 12:15. Time Zone Converter With Daylight Saving and Meeting Planner Convert a date and time between 60 cities with daylight saving time built in, see each UTC offset and find a meeting time across four zones.

Math with steps

Fraction Calculator With Steps: Add, Subtract, Multiply, Divide Add, subtract, multiply, divide or compare fractions and mixed numbers, and get the answer in simplest form with every step shown. Simplify Fractions Calculator: Reduce to Lowest Terms Type any fraction to reduce it to lowest terms, with the greatest common factor and every step shown, or reduce a whole list at once. Decimal to Fraction Calculator With Repeating Decimals Turn any decimal, repeating decimal or ruler reading into a simplest-form fraction, or a fraction into a decimal, with every step shown. Percentage Calculator: Percent Of, Change and Difference Find a percent of a number, what percent one number is of another, percent change and percentage difference, with every step shown. Ratio Calculator: Simplify, Solve and Share a Total Simplify a ratio to lowest terms, solve a proportion, share a total in a ratio or check equivalent ratios, with every step shown. Rounding Calculator: Nearest Ten, Tenth, Cent and More Round any number to a place value, decimal places, a multiple such as 5 or significant figures, with five rounding methods and every step shown. Long Division Calculator With Steps, Remainders and Decimals Long division: divide, multiply, subtract, bring down, repeat. For example, 7,465 ÷ 23 = 324 remainder 13, or about 324.5652 as a decimal. LCM and GCF Calculator With Steps for 2 or More Numbers The LCM of 12 and 18 is 36 and their GCF is 6. Type any 2 or more numbers to get the least common multiple and greatest common factor with steps. Prime Factorization Calculator With Steps, Factors and Prime Test Prime factorization writes a number as a product of primes: 360 = 2³ × 3² × 5. Type any whole number for its prime factors, all factors and a prime test. Mean, Median, Mode and Range Calculator Paste any list of numbers to get the mean, median, mode and range in one step, with the working shown and the sorted list. Scientific Notation Calculator With Steps and E Notation Type any number to get scientific notation, E notation and standard form, or multiply, divide, add and subtract in scientific notation, with the steps shown. Roman Numeral Converter for Numbers, Years and Dates Type a number from 1 to 3999 or a Roman numeral to convert it both ways, or pick a date, with the symbols and rules explained step by step. Number to Words Converter: Check Writing, Lakh and Crore Type a number to see it in words, as a check or cheque amount or as an ordinal, in American, British or Indian lakh and crore style.

Algebra, geometry and statistics

Quadratic Formula Calculator With Steps Enter a, b and c to solve ax² + bx + c = 0: get both roots (real or complex), the discriminant, vertex and factored form, with every step shown. Pythagorean Theorem Calculator With Steps Find the missing side of a right triangle from any two sides, with the area, perimeter, angles and every step, or test whether three lengths form a right triangle. Slope Calculator With Steps: Two Points, Equation and Grade Enter two points, a rise and run, or a grade to get the slope, line equation, distance, midpoint and angle with every step shown. Square Root Calculator With Steps and Simplified Radicals Find square roots, cube roots, nth roots and powers, with the simplified radical form, imaginary results for negatives and the steps shown. Standard Deviation Calculator With Steps Paste a list of numbers to get the sample or population standard deviation, variance, mean, standard error and a deviations table, with every step shown. Z Score Calculator With Steps, Percentile and Critical Values Find the z-score from x, the mean and the standard deviation, or x from z, with the percentile, probability and critical z-values and steps. Permutation and Combination Calculator With Steps (nPr and nCr) Find nPr and nCr for any n and r, with or without repetition, and see the formula and every step. Includes a guide to choosing permutation or combination. Percent Error Calculator With Steps, Formula and Examples Find percent error from an experimental and an accepted value, with absolute and relative error, several trials, percent difference and every step shown. Significant Figures Calculator: Count, Round and Calculate Count significant figures, round to any number of sig figs, convert to scientific notation, and add, subtract, multiply or divide with the correct sig figs. Area Calculator With Perimeter, Formulas and Steps Find the area and perimeter of a rectangle, triangle, circle, trapezoid and more, with the formula, every step and the answer in square feet, meters or acres. Volume Calculator: Cylinder, Sphere, Cone, Box and More Find the volume of a box, cylinder, cone, sphere, pyramid and more, with the formula, every step and the answer in gallons, liters and cubic feet.

School and grades

Dice, coins and random

Health and fitness

Converters

Home and DIY

Free online calculators answer a number question and show the working, so you can check the result instead of trusting it. PrintSheetLab has 70 of them, from a mortgage payment and a percentage to days between dates, BMI, grades and paint for a room. They run in your browser with no sign-up.

Quick answer: To choose among these free online calculators, start with the question. A money question goes to a loan, tax or pay calculator, a date question to a date calculator, and a homework question to a calculator with steps. For example, 15% of 80 is 0.15 × 80 = 12, and the percentage calculator shows that line by line.

Four free online calculators with steps: 15% of 80, 3/4 plus 1/2, a $320,000 mortgage payment and the days between two dates
Four questions and the steps a step by step calculator shows for each one.

How to use these free online calculators

Every one of these free online calculators works the same way, and the page opens with a realistic example already filled in.

  1. Pick the calculator that matches your question, from the table below or the cards above.
  2. Type your numbers. Quick-pick buttons fill in values such as 5%, 10% or 20%.
  3. Read the answer, which updates as you type.
  4. Open the working to see the formula, then your numbers in it.
  5. Use Copy result, Copy link or Reset, or go full screen on a phone.

Nothing you type is sent to a server or saved, so these online calculators are safe to use with children and in class.

Which online calculator do I need? A quick decision table

This table matches everyday questions to the right tool among the free online calculators. The link text names each calculator, so you can scan for your own question.

If you want to… Use this calculator
Work out a monthly home loan payment Mortgage calculator
Compare loans, or finance a car Loan calculator or Car loan calculator
See how savings grow each month Compound interest calculator
Turn $25 an hour into a yearly salary Hourly to salary calculator
Pay time and a half or double time Overtime calculator
Add or remove VAT, GST or Canadian tax VAT calculator, GST calculator or Canada sales tax calculator
Find an exact age or the days between dates Age calculator or Days between dates calculator
Count working days or add days to a date Business days calculator or Date calculator
Find a percent, or add fractions Percentage calculator or Fraction calculator
Find a mean or a standard deviation Mean, median and mode calculator or Standard deviation calculator
Solve a quadratic or a right triangle Quadratic formula calculator or Pythagorean theorem calculator
Work out a GPA or the final exam score you need GPA calculator or Final grade calculator
Roll dice or find the odds Dice roller or Dice probability calculator
Check a healthy weight range BMI calculator
Convert units, temperatures or cups to grams Unit converter, Temperature converter or Cups to grams converter
Estimate concrete, paint or flooring Concrete calculator, Paint calculator or Flooring calculator
Nine groups of free online calculators with an example question for each group
The nine groups of calculators and a typical question for each.

What each group of free online calculators is for

The free online calculators fall into nine groups, and the cards above list every tool. Here is what each group is for, with real numbers.

Money, tax and pay

A $320,000 mortgage at 6.5% over 30 years costs $2,022.62 a month in principal and interest, and $10,000 at 5% with monthly compounding grows to $16,470.09 in 10 years. At $25 an hour, a 2,080 hour year pays $52,000. Adding 20% VAT to £100 gives £120. Rates are editable examples, and results are estimates, not financial advice.

Dates and time

The days between dates calculator finds that 8 October 2026 to 25 December 2026 is 78 days, or 11 weeks and 1 day. At 9:00 a.m. in New York on October 8, 2026 it is 2:00 p.m. in London, but from October 25 to November 1 the gap shrinks from 5 hours to 4 because the UK changes its clocks first.

Math, algebra, geometry and statistics

A step by step calculator names the method and applies it. For 3/4 + 1/2 the common denominator is 4, so 3/4 + 2/4 = 5/4, or 1 1/4. For 4, 7, 7, 9 and 13, the mean is 8, the median and mode are 7 and the range is 9. The equation x² − 5x + 6 = 0 has roots 2 and 3.

School and grades

A 4 credit A, a 3 credit B and a 3 credit A earn 37 grade points over 10 credits, a 3.7 GPA. With an 85% average and a final worth 30%, you need 95% on the final to finish on 88%. The final grade calculator does that sum for any set of grades.

Dice, coins and random picks

A pair of dice totals 7 in 6 of 36 ways, a chance of 16.67%, and three heads in a row from a fair coin has a chance of 12.5%. The random tools make chance fair and let you see the odds.

Health, converters and home projects

A BMI of 24.4 (5 ft 10 in, 170 pounds) sits inside the 18.5 to 24.9 range, though BMI is a screening number, not a diagnosis. Also, 350°F is 176.7°C, a US cup of flour weighs about 120 g, and 25 miles per US gallon is 9.41 liters per 100 km. A 10 ft by 10 ft slab 4 inches thick needs 1.23 cubic yards from the concrete calculator.

Calculator with steps: calculators for students and teachers

Free online calculators with steps can help children learn or help them skip learning, depending on how they are used. These habits keep it on the right side.

  • Try it first. Work the problem on paper before you touch the calculator.
  • Compare the steps. Find the first line where your working and the calculator differ.
  • Explain it back. Say why each step happens, then print matching practice from the math worksheets.

Teachers can project calculators for students, change one number and ask the class to predict the new steps. Formulas worth knowing: percent of a number is (percent ÷ 100) × number, percent change is (new − old) ÷ old × 100, and Celsius to Fahrenheit is °C × 9 ÷ 5 + 32. The definitions of metric units behind the unit converter come from the NIST guide to SI units.

Formula cheat sheet for the most used calculators

What you want Formula Example
Percent of a number (percent ÷ 100) × number 15% of 80 = 12
Percent change (new − old) ÷ old × 100 80 to 100 = +25%
Mean (average) sum of values ÷ how many values 4, 7, 7, 9, 13 = 8
Area of a rectangle length × width 8 × 5 = 40
Area of a circle π × radius² r = 3 gives 28.27
Simple interest principal × rate × time $1,000 at 5% for 3 years = $150
Compound interest principal × (1 + rate ÷ n)n × years $1,000 at 5% yearly for 3 years = $1,157.63
Monthly loan payment L × r ÷ (1 − (1 + r)−n) $320,000 at 6.5%, 30 years = $2,022.62
Celsius to Fahrenheit °C × 9 ÷ 5 + 32 20°C = 68°F
BMI (pounds and inches) 703 × pounds ÷ inches² 170 lb, 70 in = 24.4

How to check the answer from any of these free online calculators

Even the best online calculators depend on what you type, so a 30 second check is worth the time. These five checks work for every calculator on the site.

  1. Estimate first. 15% of 80 is a little more than 10% of 80, which is 8, so expect about 12.
  2. Reverse the sum. If 12 is 15% of 80, then 12 ÷ 80 should give 0.15.
  3. Move one input. A higher loan rate must raise the payment, and a longer term must lower it.
  4. Check units and rounding. Miles against kilometers, pounds against kilograms, and whether the tool rounds only for display.
  5. Confirm big decisions. For a loan, tax or health choice, compare the result with the lender, the tax authority or your doctor.

Real-life uses for free online calculators

  • Shopping. 30% off an $80 jacket takes $24 off, so you pay $56. Add 8% sales tax and the total is $60.48.
  • School. A 3.7 GPA or a 95% needed on the final turns worry into a plan, using the GPA calculator and final grade calculator.
  • Work. Planning a week of 48 hours at $20 an hour with time and a half after 40 hours pays $1,040.
  • Cooking. A recipe asking for 2 cups of flour needs about 240 g of flour, and the oven setting 350°F is 177°C.
  • DIY. A 12 ft by 10 ft room with 8 ft walls has 352 square feet of wall, which is about one gallon per coat if the can covers 350 square feet.
  • Travel. A 9:00 a.m. call in New York is 2:00 p.m. in London, or 6:30 p.m. in India, in October 2026.

Online calculators by country: what changes

Arithmetic is the same everywhere, but free online calculators must follow local taxes, accounts and units. The country hubs go deeper: USA calculators, Canada calculators, UK and Europe calculators and Australia calculators.

Topic United States Canada UK and Europe Australia
Sales tax No national rate; states set theirs GST 5% plus HST, PST or QST VAT: UK 20%, EU 17% to 27% GST 10%
Retirement 401(k), IRA RRSP, TFSA Workplace pension, ISA Superannuation
Overtime 1.5× over 40 hours Set by province Set by contract Set by award
Fuel economy Miles per US gallon Liters per 100 km UK: miles per imperial gallon Liters per 100 km
Temperature Fahrenheit Celsius Celsius Celsius
Date order Month, day, year Varies by province and person Day, month, year Day, month, year
Bar chart of standard sales tax and VAT rates: Canada 5%, Australia 10%, New Zealand 15%, Germany 19%, UK 20%, Ireland 23%, Hungary 27%
Standard consumption tax rates in seven countries, as checked in October 2026.

Units and calendars change too. Fuel economy is quoted in miles per US gallon in the United States, liters per 100 km in Canada and Australia, and miles per imperial gallon in the UK, where a gallon is 4.546 liters instead of 3.785. Daylight saving starts on different dates in each region, which the time zone converter handles by date.

The rates come from the Canada Revenue Agency, business.gov.au, Inland Revenue New Zealand, GOV.UK and the European Commission. Confirm a rate with your tax authority before an invoice or a decision.

Key terms in plain English

These terms appear across the free online calculators, so it helps to know what each one means before you type a number.

Term Meaning
APR The yearly cost of borrowing, including fees, as a percent
Amortization Paying a loan down with equal payments over time
Compound interest Interest earned on the principal and on past interest
VAT / GST A tax added at each sale and shown in the price you pay
Business day A weekday that is not a public holiday
Standard deviation How far values usually sit from the mean
BMI Weight in kg divided by height in meters squared

Questions people ask about online calculators

Is there a calculator with steps for free?

Yes, every calculator on this page is a free calculator with steps. Type the numbers, then open the working under the answer to see the formula and each line of arithmetic, with nothing to install and no account to create.

What is a step by step calculator?

A step by step calculator is a tool that shows how it reached the answer, not only the answer. It states the rule, puts your numbers into it and works through each stage, so you can check a method, learn it or explain it to someone else.

Do these online calculators work on a phone or full screen?

Yes. The layout shrinks to a single column on a phone, the keypad is a number pad, and a full screen button gives the calculator the whole display. On a classroom projector, full screen makes the numbers readable from the back row.

Are there free online calculators for kids?

Yes. The fraction, long division, rounding and time tools match primary and middle school topics, and each shows its steps in plain words. Pair them with printable practice from the math worksheets.

Frequently asked questions

11 quick answers

Are these free online calculators really free?

Yes. All 70 calculators are free, with no account, no limits and nothing to download. They work on phones, tablets, Chromebooks and computers, and the working is laid out to read on a small screen.

Is there a free calculator that shows steps?

Yes. Most of these calculators show the formula, your numbers in the formula and the result, covering fractions, percentages, long division, loans, grades and statistics. Open the working section under the answer to read each step.

What is the best free online calculator?

The best free online calculator is the one built for your exact question, because a general calculator cannot add PMI to a mortgage or find a z-score. Look for live results, visible working, clear units and no sign-up.

Do the calculators save or send my numbers?

No. Every calculation happens in your own browser, and nothing you type is sent to a server or stored. Close the page and the numbers are gone, which suits shared school devices.

Is using a calculator for homework cheating?

Not if you use one of these free online calculators to check your work and learn the method. Try the problem first, then compare your steps with the calculator’s steps and fix the first line that differs.

Which calculators are best for students?

Match the course: the fraction, percentage, ratio and long division tools for middle school, the quadratic, slope and standard deviation tools for algebra and statistics, and the GPA and final grade tools for planning a term.

Are online calculators accurate enough for real decisions?

They are accurate for the formula they use, but the inputs decide the answer. Use your own rate, tax and hours, treat the result as an estimate, and confirm figures that matter, such as a loan quote, with the lender.

Can I use these calculators outside the United States?

Yes. Free online calculators with a country option, such as the mortgage and tax calculators, let you pick your country and currency. The country hubs explain US, Canadian, UK, European and Australian rules.

What is the difference between a calculator and a calculator with steps?

A basic calculator returns only the answer. A calculator with steps also shows the formula, your numbers in the formula and each stage of the working, so you can check the method as well as the result.

How do I share a result from the calculators?

Use Copy result to paste the answer and a one line summary into a message, or Copy link to share the calculator with your numbers already filled in. The person who opens the link sees the same working.

Are the tax and interest rates current?

Tax tables were checked in October 2026. Interest rates are editable examples because lenders change them often, so type the rate from your own quote to match it.

Sources and further reading

Last updated: October 2026.