Free Finance & Money Calculators

Tip, discount, NPV, time value of money, prorated rent and a free invoice generator — simple money answers with no signup.

No uploads No signup No watermarks Free forever
Short answer: ToolVaultly’s finance and money calculators split into the two kinds of money questions people actually have. Everyday ones: what tip to leave and how to split the bill, and what a discounted price really comes to. Bigger ones: what an investment or payment stream is worth today (NPV and time value of money), what rent is owed for a partial month, and a clean invoice you can send a client. All free, all instant, and everything runs in your browser — your figures are never uploaded.

Money maths goes wrong in predictable places: tip percentages calculated on the wrong base, discounts stacked in the wrong order, rent charged for days you did not live somewhere, future money treated as if it were worth the same as money today. These calculators exist to get those specific sums right, with the working visible.

There is no account, no spreadsheet to build and no data stored — enter the numbers, get the answer, and close the tab. Start with the group that matches your question below.

Which finance calculator do you need?

At the table, it is the tip calculator — tip, tax and an exact split where the shares always add up. At the till, the discount calculator shows the real price after one discount or several stacked. For bigger decisions, the NPV calculator values a stream of future payments in today’s money, and the time value of money calculator projects growth or present value with compound interest. Moving house mid-month? The prorated rent calculator works out the partial month fairly. Freelancers: the invoice generator produces a clean PDF invoice with no account.

Everyday Money

The sums from daily life — tips, splits and sale prices — answered in seconds at the table or the till.

Tip Calculator

Tip, tax and bill split — shares add up exactly.

Discount Calculator

% off and $ off sale prices — final price and savings, live.

Business & Property Finance

Investment value, rent for partial months and client-ready invoices for freelancers, landlords and analysts.

Invoice Generator

Create a clean PDF invoice as a freelancer — free, no account.

NPV Calculator

Net present value of investments.

Time Value of Money Calculator

Future & present value, compound growth.

Prorated Rent Calculator

Partial-month rent for move-in & move-out — daily rate shown.

Frequently asked questions

How do I split a bill so the shares add up exactly?
Use the tip calculator: enter the bill, tip percentage and party size. It rounds each share so the parts sum to the exact total — no one quietly over- or under-pays by a few cents.
How do stacked discounts work?
Sequentially — a second discount applies to the already-discounted price, not the original. Two successive reductions of the same percentage always beat the single combined figure people expect. The discount calculator applies them in order and shows each step.
What does NPV tell me?
Net present value converts future payments into today’s money using a discount rate. A positive NPV means the payments are worth more than the rate you chose demands; negative means they fall short. The NPV calculator shows each discounted payment so you can audit the result.
How is prorated rent calculated?
By the day: monthly rent divided by the days in the month, multiplied by the days you actually occupy. The prorated rent calculator shows the daily rate it used, which is the number landlords and tenants argue about most.
Are these finance calculators free and private?
Yes — free, no signup, and everything runs in your browser. The amounts you enter never leave your device. Outputs are estimates for planning, not financial advice.

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