Sitnit.com · Complete Tool Directory · 2026

Free Online Calculators & AI Tools
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145+ calculators and AI tools across finance, health, math, personal care and education. No login. No subscription. Works on any device.

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Financial Calculators
Tax, mortgage, investment, inflation, cost of living and savings tools for 15+ countries — USA, UK, India, Canada, Australia, Germany, Singapore, New Zealand, UAE, Saudi Arabia, Ireland and the Netherlands. Built on official government data — IRS, HMRC, ATO, IRAS, IRD, FTA, ZATCA, Revenue.ie, Belastingdienst and more.
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All Financial Calculators — Complete Hub
Every financial tool in one place, organised by country and category. Tax, mortgage, investment, inflation and more across 12 countries.
MAIN HUB
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India Financial Calculators Hub
13 India-specific tools — income tax, home loan EMI, NPS, FD, PPF vs ELSS, stamp duty, mutual fund overlap and more.
INDIA HUB
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USA Financial Calculators Hub
14 US-specific tools — federal tax, paycheck, 401k, Social Security, student loan, CD, HSA vs FSA and more.
USA HUB
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UAE Financial Calculators Hub
8 UAE-specific tools — salary (0% tax), gratuity (EOSB), VAT 5%, mortgage, personal loan, car loan, rent vs buy and cost of living for Dubai & Abu Dhabi.
UAE HUB
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Saudi Arabia Financial Calculators Hub
4 KSA-specific tools — salary (0% income tax), end-of-service gratuity, Zakat calculator and cost of living for Riyadh & Jeddah.
KSA HUB
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Singapore Financial Calculators Hub
4 Singapore-specific tools — income tax, CPF, salary after tax and stamp duty (BSD, ABSD, SSD). Built on IRAS and CPF Board data for YA 2026.
SG HUB
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UK Financial Calculators Hub
6 UK-specific tools — income tax, mortgage, inflation, student loans, debt repayment and cost of living. Built on HMRC and ONS data 2025-26.
UK HUB
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Australia Financial Calculators Hub — New
6 Australia-specific tools — ATO income tax, salary after tax, superannuation, mortgage, HECS-HELP repayment and cost of living. Built on ATO and ABS data FY 2025-26.
AU HUB ✦ NEW
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Ireland Financial Calculators Hub — New
5 Ireland-specific tools — income tax, take-home pay, mortgage, stamp duty and pension calculator. Built on Revenue.ie data for 2025-26.
IE HUB ✦ NEW
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Netherlands Financial Calculators Hub — New
4 Netherlands-specific tools — salary, take-home pay, 30% ruling for expats and cost of living for Amsterdam & Rotterdam. Built on Belastingdienst data 2025-26.
NL HUB ✦ NEW
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Income Tax & Salary — By Country
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India Income Tax Calculator
Old & new regime, 80C/80D/HRA deductions — FY 2024-25.
Free
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Federal Income Tax Calculator USA
US federal income tax — 2025-26 IRS brackets and standard deductions.
Free
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UK Income Tax Calculator 2025-26
HMRC bands, National Insurance, personal allowance — England, Wales & Scotland.
Free
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Canada Income Tax Calculator 2025-26
Federal + provincial tax, CPP, EI — all Canadian provinces.
Free
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ATO Tax Calculator 2025-26
Australian income tax, Medicare levy, LITO and LMITO — FY 2025-26.
Free
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Australia Salary After Tax Calculator
Take-home pay after income tax, Medicare levy and HECS-HELP for Australian residents — FY 2025-26.
New
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Einkommensteuerrechner Deutschland 2025-26
All 6 Steuerklassen, solidarity surcharge, church tax — §32a EStG formula.
Free
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Singapore Income Tax Calculator 2026
YA 2026 IRAS brackets, CPF relief and personal reliefs.
Free
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NZ PAYE Calculator 2025-26
New Zealand PAYE tax, KiwiSaver, ACC levies, student loan — IRD 2025-26.
Free
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Ireland Income Tax Calculator 2025-26
USC, PRSI, income tax bands and tax credits for PAYE employees — Revenue.ie 2025-26.
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Ireland Take-Home Pay Calculator
Net pay after income tax, USC and PRSI deductions for Irish employees — weekly, fortnightly or monthly.
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Netherlands Salary Calculator 2025-26
Gross to net salary for employees in the Netherlands — income tax, social security and holiday allowance.
New
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Netherlands Take-Home Pay Calculator
Dutch net monthly take-home pay after loonbelasting (payroll tax) and social insurance contributions.
New
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Singapore Salary After Tax 2026
Take-home pay for Singapore residents and Employment Pass holders after CPF and income tax.
Free
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Singapore CPF Calculator 2026
All age bands, OA/SA/MA allocations and PR graduated rates — January 2026 CPF rates.
Free
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W-4 Tax Withholding Calculator
Optimise your W-4 to avoid underpaying or overpaying federal taxes.
Free
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1099 Tax Calculator USA
Self-employment tax, quarterly payments and deductions for 1099 freelancers.
Free
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Paycheck Calculator USA
Take-home pay after federal, state tax, FICA and Medicare — hourly or salary.
Free
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NRE vs NRO Tax Calculator
Compare NRE and NRO account tax treatment for NRIs in India.
NRI
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UAE Salary Calculator 2026
Calculate UAE net salary — 0% personal income tax, GOSI for nationals, DEWS for DIFC employees.
0% Tax
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UAE VAT Calculator 2026
Add or remove UAE’s 5% VAT instantly — FTA rates, zero-rated and exempt categories.
5% VAT
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Saudi Arabia Salary Calculator 2026
Calculate KSA net take-home pay — GOSI deductions for Saudi nationals, 0% income tax for all residents.
0% Tax
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Mortgages & Home Loans — By Country
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USA Mortgage Calculator
Monthly payment, total interest and amortisation schedule for US home loans.
Free
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Home Loan EMI Calculator India
Monthly EMI with Indian interest rates, tenure and prepayment schedule.
Free
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UK Mortgage Calculator 2025-26
Monthly repayments, total cost and affordability for UK residential mortgages.
Free
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Canadian Mortgage Calculator 2025-26
Monthly payments, CMHC insurance and stress test estimates for Canadian mortgages.
Free
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Australian Mortgage Calculator 2025-26
Monthly repayments, comparison rate, stamp duty and LMI estimates.
Free
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Ireland Mortgage Calculator 2025-26
Monthly repayments, total interest and Central Bank LTV rules for Irish residential mortgages.
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Hypothekenrechner Deutschland 2025-26
Annuity and linear repayment, Nebenkosten and KfW rates — 2025-26 regulations.
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UAE Mortgage Calculator 2026
Monthly repayments, Central Bank LTV rules and DLD fee estimates for UAE home loans.
Free
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NZ Mortgage Repayment Calculator
Calculate monthly repayments, total interest and payoff timeline for New Zealand home loans.
Free
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Reverse Mortgage Calculator USA
HECM loan amounts, equity payouts and eligibility for senior homeowners.
Seniors
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PMI Removal Calculator USA
Find out when you can remove private mortgage insurance and how much you’ll save.
Free
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Loans, EMI & Debt
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Loan Calculator
Monthly payment, total interest and amortisation schedule for any loan — any currency.
Global
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EMI Calculator India
Universal EMI calculator for car, personal and business loans in India.
Free
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Student Loan Calculator USA
Monthly payments, total interest and payoff timeline for federal and private loans.
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UK Student Loan Calculator 2025
Plan 1, 2 & 5 monthly repayments, total cost and write-off timeline.
Free
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Canada Student Loan Calculator
Federal and provincial student loan repayment — NSLSC payment schedules.
Free
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HECS-HELP Repayment Calculator Australia
Annual HECS-HELP student debt repayments based on income — ATO repayment thresholds 2025-26.
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Debt Payoff Calculator
Avalanche vs snowball strategy — personalised debt elimination plan, any currency.
Global
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UK Debt Repayment Calculator
Payoff plan for UK credit cards and loans using avalanche or snowball method.
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Loan Eligibility Calculator India
Check home, car and personal loan eligibility based on income and obligations.
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UAE Personal Loan Calculator
Monthly instalments for UAE personal loans — reducing balance method as required by Central Bank of UAE.
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UAE Car Loan Calculator
Monthly instalments, total interest and amortisation for car loans from UAE banks — flat and reducing balance rates.
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Inflation — By Country
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USA Inflation Calculator
Purchasing power changes from 1913 to 2026 — official BLS CPI data.
BLS Data
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UK Inflation Calculator
UK purchasing power changes using ONS RPI/CPI data — any year to 2026.
ONS Data
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Canada Inflation Calculator
Canadian purchasing power changes using Statistics Canada CPI data.
StatsCan
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India Inflation Calculator
Purchasing power changes in India from any year to 2026 — RBI CPI data.
RBI Data
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Cost of Living — By Country
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Cost of Living India 2026
Compare Mumbai, Delhi, Bangalore, Pune, Chennai and 15+ Indian cities.
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Cost of Living USA 2026
Compare New York, LA, Chicago, Houston, Phoenix and more US cities.
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Cost of Living UK 2026
Compare London, Manchester, Birmingham and Edinburgh monthly expenses.
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Cost of Living Australia 2026
Compare Sydney, Melbourne, Brisbane, Perth and Adelaide living costs.
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Cost of Living Canada 2026
Compare Toronto, Vancouver, Calgary and Montreal monthly expenses.
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Cost of Living Germany 2026
Compare Berlin, Munich, Hamburg and Frankfurt monthly living costs.
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UAE Cost of Living 2026
Compare monthly living expenses in Dubai and Abu Dhabi — rent, groceries, transport and utilities.
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Saudi Arabia Cost of Living 2026
Compare monthly living expenses in Riyadh, Jeddah and Dammam — rent, groceries, transport and utilities.
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Netherlands Cost of Living 2026
Compare monthly living expenses in Amsterdam, Rotterdam and The Hague — rent, groceries, transport and utilities.
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🇦🇪 UAE & 🇸🇦 KSA — End of Service & Gratuity
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UAE Gratuity Calculator (EOSB) 2026
Calculate end-of-service benefit under Federal Decree-Law No. 33 of 2021 — limited & unlimited contracts, resignation & termination.
MOHRE
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Saudi Arabia End of Service Calculator
Calculate gratuity under Saudi Labour Law — years of service, resignation vs termination scenarios for KSA employees.
Saudi Labour Law
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Investment & Savings
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Investment Return & ROI Calculator
Calculate return on investment and compound growth over any period.
Global
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Retirement Calculator
How much do you need to retire? Project savings, withdrawal rate and retirement age.
Global
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401(k) Retirement Calculator USA
Project 401(k) balance at retirement with employer match and contribution rates.
Free
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Superannuation Calculator Australia
Project your super balance at retirement with employer contributions, SG rate and investment returns — FY 2025-26.
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Ireland Pension Calculator
Estimate Irish pension pot at retirement — employer/employee contributions, tax relief and projected fund growth.
New
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SIP Calculator India
Systematic Investment Plan returns — project monthly SIP corpus over any tenure.
Free
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FD Calculator India
Fixed Deposit maturity amount with compound interest — compare bank rates.
Free
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PPF vs ELSS Calculator India
Compare Public Provident Fund vs Equity Linked Savings Scheme for tax-saving choices.
Free
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Mutual Fund Overlap Calculator
Check overlapping holdings across your mutual fund portfolio to avoid over-concentration.
Free
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NPS Calculator India
Estimate National Pension System retirement corpus with Tier 1 & 2 contributions.
Free
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CD Calculator USA 2026
Certificate of Deposit maturity — compare CD rates and find the best return.
Free
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529 College Savings Calculator
Project college savings growth and estimate monthly savings needed in a 529 plan.
Free
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Social Security Benefits Estimator
Estimate monthly Social Security benefits at different retirement ages.
SSA Data
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Emergency Fund Calculator USA
Calculate your 3–6 month emergency safety net target — how much and how fast.
Free
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HSA vs FSA Calculator USA
Compare Health Savings Account vs Flexible Spending Account tax benefits.
Free
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Property, Credit, Zakat & Other
📋
Stamp Duty Calculator India
Stamp duty and registration charges for property purchase across Indian states.
Free
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Singapore Stamp Duty Calculator
Calculate BSD, Additional Buyer’s Stamp Duty (ABSD) and Seller’s Stamp Duty (SSD) — 2026.
Free
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Ireland Stamp Duty Calculator
Calculate stamp duty on residential and commercial property purchases in Ireland — current Revenue.ie rates.
New
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Netherlands 30% Ruling Calculator
Calculate your 30% tax-free allowance as an expat employee in the Netherlands — eligibility and tax saving.
Expat
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UAE Rent vs Buy Calculator
Should you rent or buy in Dubai or Abu Dhabi? Compare total costs over time to make the right decision.
Free
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☪️
Saudi Arabia Zakat Calculator 2026
Calculate annual Zakat obligation — 2.5% on Nisab-eligible wealth including cash, gold, investments and business assets.
ZATCA
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Rental Yield Calculator India
Gross and net rental yield and ROI for investment properties in Indian cities.
Free
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Credit Score Impact Calculator India
See how financial decisions affect your CIBIL credit score before making them.
Free
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Credit Score Impact Calculator USA
Predict how decisions affect your FICO score before you make them.
Free
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Net Worth Growth Calculator
Track and project net worth growth — assets, liabilities and savings rate.
Global
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Business Profit Calculator
Gross profit, net profit, profit margin and markup for any business or product.
Global
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Currency Converter
Live exchange rates for 150+ currencies — USD, EUR, GBP, INR, AUD, SGD, AED, SAR and more.
Live
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Interest Rate Calculator
Calculate effective annual rate, APR, and compare fixed vs variable rates globally.
Global
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General Finance Calculator
All-purpose financial calculator for compound interest, present value, future value and payments.
Global
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Medical Bill Negotiation Calculator
Estimate how much you can save negotiating medical bills and what to offer insurers.
USA
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Child Education Planning Calculator
Plan for your child’s future education costs with inflation-adjusted projections.
USA
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Health & Fitness Calculators
BMI, calories, nutrition, sleep, pregnancy, running and workout tools. Science-based formulas for real health decisions.
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Health & Fitness Calculators — Complete Hub
All 21 health and fitness tools — BMI, BMR, calories, macros, pregnancy, sleep, running pace and more.
HEALTH HUB
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Body & Weight
⚖️
BMI Calculator
Calculate Body Mass Index — underweight, normal, overweight or obese range.
Free
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BMR Calculator
Basal Metabolic Rate — how many calories your body burns at rest daily.
Free
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Body Fat Percentage Calculator
Estimate body fat percentage using multiple methods — Navy, BMI, and skinfold formulas.
Free
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Body Shape Calculator
Determine your body shape — apple, pear, hourglass, rectangle or inverted triangle.
Free
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Calories & Nutrition
🍎
Calorie Calculator
Daily calorie needs based on age, weight, height, gender and activity level (TDEE).
Free
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Calorie Deficit Calculator
Calculate calorie deficit needed to lose weight at your target pace — safe and sustainable.
Free
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Calories Burned Calculator
Calories burned in 50+ activities — walking, running, cycling, swimming and more.
Free
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🥩
Protein Calculator
Daily protein requirements based on body weight, activity and fitness goals.
Free
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Carbohydrate Calculator
Daily carb intake based on your diet goals, activity and calorie target.
Free
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Fat Intake Calculator
Recommended daily fat intake based on your calorie goal and diet type.
Free
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Macronutrient Calculator
Calculate your ideal protein, carb and fat macro ratios for any fitness goal.
Free
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Water Intake Calculator
Daily water intake needs based on weight, climate and exercise level.
Free
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☕
Caffeine Half-Life Calculator
Track caffeine metabolism and find the best cutoff time for quality sleep.
Free
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Fitness & Training
🏋️
One Rep Max Calculator
Calculate your 1RM for bench press, squat, deadlift — and training percentages.
Free
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❤️
Target Heart Rate Calculator
Calculate target heart rate zones for fat burn, cardio, and peak performance.
Free
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Running Pace Calculator
Calculate running pace, finish time and splits for 5K, 10K, half marathon and marathon.
Free
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Sleep Calculator
Calculate optimal bedtime and wake-up times based on sleep cycles for maximum rest.
Free
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Health Risk Calculators
Assess cardiovascular, diabetes and lifestyle health risks based on your indicators.
Free
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Women’s Health & Pregnancy
📅
Women’s Period Calculator
Track menstrual cycle, predict ovulation and next period dates.
Free
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Pregnancy Calculator
Calculate due date by LMP, track pregnancy milestones week by week.
Free
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Pregnancy Weight Gain Calculator
Healthy pregnancy weight gain by trimester based on pre-pregnancy BMI.
Free
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AI Personal Care Tools
Quiz-based AI tools for face shape, hairstyle, skin tone, eye shape, glasses, beard, skincare and fashion. Used by 24,000+ people across 15+ languages. No photo required for most tools.
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AI Personal Care Tools — Complete Hub
All 11 AI beauty and personal care tools. Start with Face Shape Detector — it powers recommendations across all other tools.
AI CARE HUB
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Face & Feature Analysis — Start Here
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Face Shape Detector
Identify oval, round, square, heart or oblong face shape — start here for the most accurate recommendations.
Start Here ⭐
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Skin Tone Detector
Find your undertone — warm, cool or neutral — and get matching colour palettes for makeup and clothing.
Free
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Eye Shape Detector
Identify almond, round, hooded or monolid eyes — with targeted makeup and eyewear tips.
Free
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✨
AI Face Attractiveness Test
AI analyses facial symmetry and features — constructive beauty enhancement suggestions.
Free
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Hair & Style
💇
Hairstyle Recommender
Personalised hairstyle suggestions for men and women — includes a barber-ready script. Most popular tool.
🔥 Most Popular
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AI Glasses Finder
Find perfect frames — aviator, round, rectangle, cat-eye — matched to your face shape and style.
Free
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👗
AI Fashion Enhancer
AI-powered outfit and fashion advice based on body type, style goals and occasion.
Free
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AI Fashion Advice
Personalised fashion styling tips — colour coordination, occasion dressing and wardrobe planning.
Free
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Skincare, Makeup & Grooming
🌿
AI Skincare Routine
Personalised morning and evening skincare routine for your skin type — dry, oily, combination or sensitive.
Free
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AI Makeup Problem Solver
Struggling with foundation, concealer or contouring? Get targeted AI fixes instantly.
Free
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🧔
Beard Style Recommender
Best beard style for your face shape — stubble, full beard, goatee, Van Dyke. Includes barber script.
Barber Script
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How to Use Any Tool
01
Choose a Category
Browse Financial, Health, Math, AI Personal Care or Education. Use the sticky nav above to jump straight to what you need.
02
Pick Your Tool
145+ tools organised by category and sub-category. Click any card to open the tool instantly — no login, no sign-up.
03
Enter Your Details
Each tool has clear input fields. Financial calculators auto-select the right tax year. AI tools guide you step by step.
04
Get Instant Results
Results appear immediately. Save, screenshot or share — no data is stored on our servers.
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100% Private
No data stored, no tracking of inputs. Photos used in AI tools are never saved to our servers.
📱
Mobile-First
All tools have 44px+ tap targets and work perfectly on any phone, tablet or desktop.
🏛️
Official Data
Tax calculators use IRS, HMRC, ATO, IRAS, IRD, FTA, ZATCA, Revenue.ie and Belastingdienst source data — not estimates.
🔄
Always Updated
Tax rates, brackets and formulas are reviewed and updated at the start of every financial year.
SITNIT.COM · 145+ FREE TOOLS · 15+ COUNTRIES · 2026
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