All tools
33 free calculators and utilities. No account, no ads blocking the content, nothing leaves your browser.
Finance (20)
Salary: gross to net
Work out your take-home pay after income tax and social insurance. Vietnam and US rules included.
Loan payment calculator
Monthly payment and full amortisation schedule for any loan.
Savings interest calculator
How much your savings will grow with compound interest and monthly top-ups.
Number to words
Write any number in English and Vietnamese words — for invoices, cheques and contracts.
VietQR payment code
Create a scannable transfer QR for 16 Vietnamese banks.
Percentage calculator
Three common percentage questions answered at once.
Tip calculator
Tip amount and split the bill between friends.
Currency converter
Convert with the rate you enter — no tracking, no ads between you and the number.
VAT calculator
Add VAT to a price or extract VAT from a gross amount.
Mortgage calculator
Full monthly cost of a home loan including insurance and property tax.
Investment return (ROI)
Profit and annualised return of any investment.
Compound interest
Year-by-year growth of an investment with regular contributions.
Retirement savings calculator
Monthly amount you need to save to hit your retirement number.
Break-even point
How many units you must sell to cover all costs.
Profit margin calculator
Gross and net margins, plus markup on cost.
Discount calculator
Final price and how much you save.
Salary raise calculator
Your new pay after a percentage or fixed raise.
Paycheck budget 50/30/20
Split every paycheck into needs, wants and savings.
Tax withholding estimator
Estimate how much tax comes out of each paycheck.
Debt payoff planner
See exactly when you become debt-free and how much interest you pay.
Health (2)
Pregnancy due date
Estimated due date from last menstrual period.
Menstrual cycle tracker
Next period, ovulation and fertile window.
Insurance (3)
Social insurance lump sum
One-time social insurance payout: 1.5 months/year before 2014, 2 months/year from 2014, with sliding coefficient.
Unemployment benefit
Monthly unemployment allowance: 60% of 6-month average salary, capped at 5x regional minimum wage.
Maternity leave benefit
Maternity allowance: 100% of 6-month average salary, up to 6 months off.
Labour (2)
Overtime pay
Overtime pay by hour: 150% weekday, 200% weekend, 300% holiday; +30% for night work.
Total monthly salary
Sum basic salary, allowances, overtime and bonus into one monthly figure.
Life (1)
Tax (1)
Utilities (4)
Electricity bill (EVN)
EVN 5-tier progressive tariff from 01/11/2026, 8% VAT.
Water bill
Progressive water tariff for Hanoi and Ho Chi Minh City, 2026.
Fuel cost calculator
Cost of a trip from distance, consumption and fuel price.
Rent & roommate split
Split rent, utilities and shared costs between roommates.