IZN Tools

Calculators

21 of 21 live

Percentages, loans, margins and dates — the arithmetic you would otherwise open a spreadsheet for.

Percentage Calculator

Increase, decrease, and “X is what percent of Y” in one place.

Loan Calculator

Monthly payment, total interest and the full amortisation schedule.

VAT Calculator

Add VAT or pull it back out, at any rate you need.

Date Difference Calculator

Days, weeks and working days between two dates.

Percentage Increase Calculator

How much a number grew, in percent and in absolute terms.

Percentage Decrease Calculator

The same in the other direction, without the sign confusion.

Compound Interest Calculator

What a regular contribution turns into, year by year.

Mortgage Calculator

Payment, overpayment and the effect of paying down early.

Salary Calculator

Gross to net and back, per hour, month or year.

Hourly Rate Calculator

Turn an annual figure into an honest hourly number.

Freelance Rate Calculator

Work back from a yearly target, counting holidays and downtime.

Profit Margin Calculator

Margin and markup are not the same number. This shows both.

Markup Calculator

Price from cost, or the markup implied by a price you already set.

ROI Calculator

Return on investment, with and without the time factor.

Break Even Calculator

How many units cover the fixed costs.

Discount Calculator

Final price, amount saved, and stacked discounts done right.

Inflation Calculator

What a sum from one year is worth in another.

Savings Calculator

How long until a target, or how much per month to hit it.

Currency Converter

Rates fetched daily; this one needs the network, unlike the rest.

Number to Words

Amounts written out for contracts and invoices, in Russian or English.

Age Calculator

Exact age in years, months and days, on any given date.

The arithmetic is easy; the framing is where it goes wrong

There is nothing to hide from a server here — a loan payment is not a secret. The trouble with these sums is not the calculation but calculating the wrong thing. Margin gets confused with markup, and the same inputs give two different answers. A percentage decrease gets taken against the new figure instead of the original. Stacked discounts get added when they multiply. A freelance rate gets derived from a target income with holidays and unbilled hours quietly left out.

So each calculator shows not just the answer but what it was built from, and names the trap people usually fall into beside it. It all runs in the browser — not for secrecy but so the number moves while you drag the slider, and keeps working with no network.

What is coming next

21 of the 21 are live today. The rest are being added in batches, and each one is listed as it lands. If a tool you need is still marked as coming and you want it sooner, say so — the order is not fixed.