Annuity Payment Calculator
Calculate monthly loan payment, total paid, and interest.
Estimate annuity-style payment schedules for mortgages, auto loans, and other fixed-term debt.
One page. One job. Done.
Mini Tools Collection
ToolPatch is a growing collection of focused utilities. Each page handles one task with clear inputs, fast results, and practical outputs.
Calculate monthly loan payment, total paid, and interest.
Estimate annuity-style payment schedules for mortgages, auto loans, and other fixed-term debt.
Run one-way ANOVA summary statistics for multiple groups.
Compute sums of squares, mean squares, and F statistic for one-factor group comparisons.
Remove image backgrounds locally in-browser with color keying.
Upload an image, pick a background key color, tune tolerance/softness, and download transparent PNG output.
Compute posterior probability from prior, sensitivity, and false positive rate.
Useful for medical test interpretation, risk scoring, and signal-detection decisions.
Compute body mass index from weight and height with category classification.
Enter weight and height to calculate BMI and identify general weight status bands. Useful for quick health tracking and baseline fitness planning.
Estimate body fat percentage from body measurements.
Uses circumference-based formulas for quick body composition estimates.
Calculate break-even units and revenue with fixed and variable cost inputs.
Understand exactly how many units you need to sell to cover costs and when you start generating profit. Enter fixed costs, variable cost per unit, and price per unit. Add a target profit to estimate your next milestone.
Forecast sprint completion date from current burn rate.
Estimate whether your sprint is on track and what burn rate is needed to finish remaining scope on time.
Calculate compound annual growth rate between two values over time.
Use CAGR to compare investment or revenue growth trends consistently over multiple years.
Estimate startup runway and projected cash balance over time.
Forecast how long your current cash lasts based on burn rate, revenue, and growth assumptions. This tool helps founders and finance leads model survival scenarios and plan fundraising or cost adjustments with clear time-based outputs.
Project customer count and MRR under churn and acquisition assumptions.
Model how churn and new customer acquisition affect your customer base and recurring revenue over 12 months. Useful for SaaS operators prioritizing retention initiatives and board-level planning.
Compute a covering supernet for multiple CIDR blocks.
Summarize multiple routes into a single supernet to simplify route tables and policy logic.
Forecast investment growth with compounding and recurring contributions.
Estimate how savings and investments can grow over time using compound interest. Enter your starting amount, expected annual return, time horizon, compounding frequency, and optional yearly contributions. This calculator helps freelancers, families, and founders run fast scenarios without opening a spreadsheet. Use it to compare contribution plans, test different return assumptions, and set realistic long-term targets. Tip: run conservative, expected, and aggressive scenarios to understand a full range of outcomes before making financial decisions.
Estimate confidence intervals from mean, standard deviation, and sample size.
Calculate margin of error and confidence bounds for common confidence levels. Great for analysis reports, A/B test summaries, and classroom statistics.
Convert confidence levels to z critical values and margin of error.
Get z* for common and custom confidence levels and estimate margin of error with sigma and n.
Convert data sizes across bytes, KB, MB, GB, and TB.
Useful for storage estimates, file size planning, and cloud budgeting.
Estimate months to pay off debt and total interest cost.
Model payoff timelines from balance, APR, and monthly payment assumptions. Great for personal budgeting and debt reduction planning.
Quantify dependency risk from blocked items, ownership clarity, and complexity.
Score external/internal dependency risk to identify where delivery bottlenecks are most likely to impact timeline.
Solve for distance, speed, or time using the standard motion formula.
Choose whether to solve for distance, speed, or time and provide the remaining values. Useful for travel planning, logistics estimation, and physics homework checks.
Calculate CPI, SPI, CV, and EAC for schedule/cost control.
Apply earned value management formulas to detect budget and schedule drift early.
Solve power, voltage, or current from P = V * I.
Convenient electrical triangle calculator for circuits and load estimates.
Approximate ODE solutions with the forward Euler method.
Numerically solve dy/dx = a*x + b*y + c from initial conditions, step size, and step count.
Model growth or decay over periods with compounding behavior.
Calculate exponential growth/decay trajectories using an initial value, periodic rate, and period count.
Compute n!, nPr, and nCr for combinatorics and probability problems.
Enter n and r to calculate factorial, permutations, and combinations in one place. Useful for exam prep, probability work, and algorithmic problem solving.
Compute GPA from course credits and grade points.
Enter credits and grade points per course to calculate weighted GPA. Helpful for semester planning, scholarship targets, and academic progress tracking.
Generate MD5, SHA1, and SHA256 hashes from input text.
Instantly create common cryptographic hash outputs for strings and payload snippets. Useful for development workflows, debugging, and quick integrity checks.
Solve pressure, volume, moles, or temperature with PV=nRT.
Use the ideal gas law to solve one missing variable given the other three. Great for gas-law homework, exam prep, and quick unit-aware checks.
Split invoices by team member, project, or department with transparent math.
Break a single invoice into clean allocations across people, teams, or clients. This tool is useful for agencies, partnerships, and operations teams who need auditable cost distribution. Add total amount, tax, discounts, and custom allocation percentages. Export a plain-language summary that can be attached to accounting records.
Classify IPv4/IPv6 addresses by private, loopback, multicast, and more.
Instantly classify addresses for troubleshooting, security reviews, and docs validation.
Compute kinetic energy and momentum from mass and velocity.
Calculate energy with KE = 1/2 m v² and momentum p = m v in one page. Useful for mechanics problems and practical motion estimates.
Fit a best-fit line from point data and compute r and R².
Enter x,y pairs to estimate slope, intercept, and correlation quality.
Generate multiple local SVG logo variations from one brand input.
Create and download wordmark and mark-based logo variations with customizable style and color settings.
Analyze determinant, inverse, trace, and eigenvalues for 2x2 matrices.
Useful for linear algebra classes, engineering math, and matrix sanity checks.
Measure schedule slip based on planned vs actual milestone progress.
Estimate slip percentage, projected delay days, and forecasted delivery date from milestone execution pace.
Solve molarity, moles, or volume using M = n/V.
Calculate solution concentration and dilution prep values from moles and volume. Useful for lab prep, chemistry coursework, and quick concentration checks.
Estimate monthly mortgage payments, total paid, and interest.
Calculate fixed-rate mortgage payments from principal, APR, and term.
Calculate effective payload and TCP MSS from MTU and tunnel overhead.
Model encapsulation overhead across IPv4/IPv6 and common tunnels to prevent fragmentation issues.
Solve force, mass, or acceleration using F = m * a.
Use Newton's second law to solve one unknown variable when the other two are known. Helpful for physics classes, engineering checks, and quick unit-based sanity tests.
Compute probability between two bounds in a normal distribution.
Converts bounds to z-scores and calculates probability mass between them.
Solve voltage, current, or resistance and compute electrical power.
Apply Ohm's law (V = I * R) to electrical circuit basics and derive missing values. Includes quick power estimate using P = V * I.
Compute one-sample t-statistic from sample values and hypothesized mean.
Enter sample values and compare against a target mean using the one-sample t-test setup.
Generate secure random passwords with customizable rules.
Create strong passwords with configurable length and character sets.
Calculate Pearson r and R² from paired X and Y datasets.
Quantify linear relationship strength between two numeric variables.
Compute absolute and percentage increase/decrease between two values.
Enter initial and final values to calculate both absolute change and percent change instantly. Useful for pricing updates, KPI shifts, trend reports, and quick sanity checks.
Convert hydrogen ion concentration to pH and classify acidity/basicity.
Compute pH and pOH from [H+] or derive [H+] from pH quickly. Useful for acid-base questions, buffer prep, and classroom exercises.
Calculate exact and cumulative Poisson event probabilities.
Estimate event-count probabilities over fixed intervals when events are rare and independent.
Evaluate cubic polynomial derivatives and curvature at a chosen x value.
Compute f(x), f'(x), and f''(x) for ax^3+bx^2+cx+d with instant output.
Model tier pricing and customer mix to forecast monthly and annual revenue.
Build a quick revenue model across Starter, Growth, and Scale tiers with customer counts and plan prices. This helps product and GTM teams pressure-test pricing strategy before experiments or launches.
Compute profit, margin, and markup from revenue and cost.
Quick check for profitability, pricing discussions, and target planning.
Solve ax² + bx + c = 0 with real or complex roots.
Quickly compute discriminant and roots for quadratic equations with clear output formatting. Suitable for students, tutors, and engineering pre-checks.
Compute RR, OR, and confidence intervals from a 2x2 contingency table.
Analyze exposure-outcome association with relative risk, odds ratio, and 95% confidence bounds.
Balance workload against team capacity using time and utilization assumptions.
Plan team allocation by comparing total work hours against available capacity and required team size.
Score project risks using probability, impact, and expected loss.
Apply a standard 5x5 risk matrix with expected financial exposure to prioritize mitigation efforts.
Calculate safety factor from material strength and working stress.
Estimate design safety margin by comparing allowable strength against expected load stress. Useful for preliminary design checks and engineering documentation.
Estimate required sample size from confidence level, margin error, and proportion.
Supports infinite-population and finite-population adjusted sample size estimates.
Find required monthly savings contribution to reach a target goal.
Plan a target amount with current savings, time horizon, and expected return.
Detect scope growth risk and delivery pressure before deadlines are missed.
Compare initial and current scope, then estimate the throughput increase needed to still finish on plan.
Create social preview images from text, colors, and platform size presets.
Generate downloadable SVG social cards for Open Graph, Twitter/X, LinkedIn, and Instagram using local rendering only.
Estimate sprint hours and suggested story points from team constraints.
Compute gross, net, and effective sprint capacity after ceremonies, then estimate practical story point target.
Calculate mean, variance, and standard deviation for a dataset.
Paste numeric values to compute population and sample statistics quickly. Useful for analytics, classroom assignments, and data quality checks.
Calculate network, broadcast, host range, and mask details from CIDR.
Analyze IPv4 subnets quickly for network planning, lab setup, and infrastructure troubleshooting.
Integrate polynomial expressions symbolically and evaluate definite bounds.
Find antiderivatives for polynomial terms (e.g. 3x^2 - 4x + 7) and optionally compute definite integral values.
Convert Celsius, Fahrenheit, and Kelvin values instantly.
One-page converter for common scientific and everyday temperature units.
Convert bps/Kbps/Mbps/Gbps and estimate transfer time.
Translate bandwidth units and estimate file transfer durations for operations and capacity planning.
Calculate torque from force, lever arm, and angle.
Uses tau = F * r * sin(theta) for quick mechanical calculations.
Analyze triangle validity, perimeter, area, angles, and type.
Enter side lengths to classify triangles and compute key geometry outputs for coursework and design.
Translate SLA percentage targets into allowed downtime windows.
Compute maximum allowable downtime for day, week, month, or year across common uptime targets.
Run dot product, angle, magnitude, sum, difference, and cross product.
Compute core 2D/3D vector operations for mechanics, graphics, and linear algebra tasks.
Analyze sprint velocity consistency with a normalized stability index.
Convert historical sprint velocities into variance, coefficient of variation, and a stability score for release planning confidence.
Plan variable-length subnet allocations from a base CIDR.
Allocate host requirements into efficiently sized subnets and verify whether all requests fit in the parent block.
Compute output voltage for two-resistor divider circuits.
Useful for quick analog design checks and electronics prototyping.
Calculate age in years, days, and weeks from birth date.
Simple date-based age computation for personal and admin use.
Find nth term and sum of an arithmetic progression from a, d, and n.
Solve arithmetic progression problems with first term, common difference, and number of terms. Great for school math, exam preparation, and quick sequence verification.
Encode and decode Base64 text directly in browser.
Quick utility for API payload prep, debugging, and data transport checks.
Estimate max deflection for a simply-supported beam with center load.
Uses classic formula delta = PL^3/(48EI) for quick structural checks.
Compute exact and cumulative binomial probabilities for n, k, p.
Great for probability exercises, risk estimation, and stats exam prep.
Calculate chi-square goodness-of-fit statistic from observed vs expected counts.
Useful for categorical fit checks and introductory hypothesis testing workflows.
Calculate diameter, circumference, and area from a circle radius.
Input radius and get all key circle measurements with precise decimal outputs. Suitable for geometry practice, engineering checks, and classroom demos.
Turn dense legal language into plain summaries with key risk highlights.
Paste clause text and get a concise summary, suggested action points, and common risk pattern flags. Useful for founders, procurement, and operations teams who need fast first-pass contract understanding.
Estimate critical path duration and potential schedule compression gains.
Model key project phase durations and approximate impact of test parallelization. Useful for project kickoff planning and timeline communication.
Clean rows, normalize columns, and remove duplicates quickly.
Upload or paste CSV content to detect duplicate rows, empty records, and inconsistent formatting. Normalize headers, trim whitespace, and export a cleaned file in one flow. Useful for marketing, operations, and analytics teams before importing data into other systems.
Calculate days and weeks between two dates.
Useful for planning timelines, deadlines, and scheduling windows.
Use C1V1=C2V2 to solve dilution and solution prep problems.
Determine unknown concentration or volume for dilution planning with one equation. Great for lab workflows, stock solution prep, and chemistry practice.
Compute discount amount, post-discount price, and final total with tax.
Useful for retail pricing, promotions, and quick checkout math.
Generate Fibonacci numbers and inspect nth term and sequence sum.
Choose how many terms to generate and instantly get the sequence, nth value, and total sum. Great for math practice, coding interviews, and algorithm demonstrations.
Reduce fractions to simplest form and convert to decimal instantly.
Enter numerator and denominator to simplify fractions using GCD and view decimal form. Helpful for math homework, tutoring sessions, and quick arithmetic checks.
Compare sample variances with F statistic and degrees of freedom.
Compute two-sample variance comparison metrics to support homogeneity checks.
Find greatest common divisor and least common multiple for two integers.
Input two integers to calculate GCD, LCM, and whether they are coprime. Great for number theory basics, classroom exercises, and programming prep.
Find geometric mean for positive-number datasets.
Useful for growth rates, index performance, and multiplicative process summaries.
Calculate harmonic mean for rates and ratios.
Best for averaging speeds, price multiples, and other ratio-based metrics.
Convert IPv4 addresses to 32-bit integers and back.
Useful for database indexing, scripting, firewall rule systems, and low-level networking work.
Compress or fully expand IPv6 notation.
Normalize IPv6 addresses for documentation, automation pipelines, and compliance checks.
Allocate and track end-to-end latency budget across system components.
Break down response-time targets into frontend, backend, DB, network, and external dependency budgets.
Compute logarithms for custom base and value inputs.
Solve log_b(x) quickly and verify with exponent reconstruction.
Turn messy notes into clear owners, deadlines, and next actions.
Paste meeting notes or transcripts and generate action items grouped by owner and due date. This saves teams from manual follow-up and missed commitments. Designed for project managers and founders who need immediate post-meeting clarity.
Estimate meeting cost per session, week, month, and year.
Translate meeting load into direct labor cost to improve planning discipline and reduce unnecessary meetings.
Compute rolling averages over a configurable window.
Useful for smoothing noisy series and spotting trend direction.
Find percentile rank of a target value within a dataset.
Helpful for score interpretation, benchmarking, and education metrics.
Convert pressure units: Pa, kPa, bar, psi, and atm.
Ideal for engineering checks, tire pressure, and process control tasks.
Check whether a number is prime and view factors when it is not.
Enter an integer to test primality and classify the number quickly. Helpful for schoolwork, coding practice, and cryptography fundamentals.
Estimate flight time, max height, and range from launch speed and angle.
Solve projectile motion assuming no air resistance and equal launch/landing heights. Great for introductory mechanics practice and trajectory intuition.
Calculate accrued and remaining paid time off based on annual allowance.
Estimate earned PTO from annual policy, months worked, and used days. Helpful for HR operations and employee leave planning.
Calculate percent yield and loss from theoretical and actual yield values.
Enter theoretical and actual yield to evaluate reaction efficiency. Helpful for lab reports, stoichiometry checks, and process optimization basics.
Analyze text readability with Flesch score and writing complexity band.
Paste text to evaluate readability and estimate how easy it is to understand. Useful for blog posts, product docs, and marketing copy refinement.
Estimate fluid flow regime using Reynolds number.
Classifies laminar, transitional, and turbulent flow from fluid properties.
Convert speed across m/s, km/h, mph, and knots.
Useful for transport planning, sports metrics, and navigation.
Calculate linear expansion from alpha, temperature change, and length.
Useful for materials, piping, and tolerance planning under temperature shifts.
Find working-hour overlaps across distributed teams.
Pick multiple locations and availability windows to instantly see overlap slots that work for everyone. Built for remote teams coordinating calls across regions without guesswork.
Calculate tip amount, total bill, and per-person split.
Quickly split restaurant bills with configurable tip percentage and party size.
Convert length values across metric and imperial units.
Convert between meters, kilometers, centimeters, millimeters, miles, feet, and inches. Useful for engineering specs, logistics, and daily conversion tasks.
Generate campaign links with consistent UTM naming standards.
Build clean, trackable campaign URLs with source, medium, campaign, and optional term/content fields. Enforce naming conventions to improve analytics quality. Ideal for growth marketers running multi-channel campaigns who need fast and consistent tagging.
Rank vendors using weighted criteria for faster, defensible procurement choices.
Compare up to three vendors using weighted scoring across price, reliability, and support metrics. This produces a transparent ranking framework for procurement and operations decisions.
Convert liters, milliliters, gallons, quarts, and cups.
Helps with recipes, lab prep, and fluid volume planning.
Solve wave speed, frequency, or wavelength using v = f * lambda.
Choose which variable to solve and compute wave relationships for sound, light, or general wave problems. Includes period output from frequency.
Convert kg, g, lb, oz, and tonnes accurately.
Useful for shipping, nutrition, fitness, and engineering workflows.
Compute weighted average from value and weight lists.
Ideal for grading, portfolio weighting, KPI scoring, and multi-factor decision models.
Convert values to z-scores and estimate normal-distribution percentile.
Useful for test scores, benchmarking, and statistical interpretation.