Free money calculators — no sign-up, ever
Confirm what to charge, what you'll take home, and where it goes
Fast money tools for people who get paid by the hour, the mile, the job, or the tip jar. Open one, type your numbers, get an answer you can use tonight.
✓ 100% free ✓ Built for your phone ✓ Shows all the math
Pick your tool
What Should I Charge?
Work backwards from the take-home income you want to the hourly, daily, and per-project rate to quote clients — taxes and expenses included.
Find my rate → 🚛Trucker Pay & Cost Calculator
Cost per mile for owner-operators, take-home pay for 1099 and company drivers, and percentage-of-load pay with fuel surcharge.
Run my numbers → 🍽️Restaurant Tip-Out Calculator
Split tips fairly between servers, bussers, bartenders, runners, and hosts — by percentage or by hours worked.
Split the tips → 📊Budget Calculator
Turn your monthly take-home pay into a simple needs / wants / savings plan you can actually stick to.
Build my budget →Rate calculators by trade
The "what should I charge" math changes with your line of work — different expenses, different billable hours, different seasons. Pick your trade:
Tip guides for restaurant workers
Why these calculators?
Most pay calculators online are built for salaried employees. These are built for everyone else: freelancers and tradespeople setting their own rates, truck drivers comparing owner-operator math against a company job, restaurant crews splitting a tip pool at 11pm, and anyone trying to make a paycheck stretch. Every tool works without an account, loads fast on a phone, and shows its math.