Free calculators for people who would rather check the number than trust it.
BizCalcHub is a collection of free calculators covering three areas: what your time is worth, what a loan actually costs, and whether buying beats renting. Every tool is free, requires no account, and runs entirely in your browser.
Most calculator sites give you a number and nothing else. That is not useful, because a result without context cannot tell you whether it is good, normal or disastrous. A monthly payment of $2,500 means something very different at $80,000 of income than at $200,000.
So every page here includes the formula, a fully worked example with real numbers, typical ranges by category, and the mistakes people actually make. If you want to check the arithmetic yourself, everything you need is on the page.
All calculations are performed in JavaScript in your browser. Standard amortising loan formulas are used for mortgages, auto loans and student loans. The rent versus buy tool runs a year-by-year simulation of both paths and then repeats it a thousand times with randomised appreciation and investment returns, so you see a probability instead of a single fragile answer.
Nothing is sent to a server. There is no account system, no email capture and no paywall.
This is not financial advice, and it is not a substitute for a licensed adviser, accountant or lender. The tools are educational models: they show how the arithmetic works under the assumptions you enter. Real outcomes depend on taxes, local rules and events nobody can forecast. Always confirm numbers with a qualified professional before making a decision.
Every tool is available in English and Simplified Chinese. The Chinese version is localised rather than translated: default values, tax treatment and worked examples use Chinese conventions.
If you find an error in a formula or a worked example, please report it. Accuracy matters more than looking confident.
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