Our Mission

FinanceUtils was built on a simple belief: everyone deserves access to accurate, easy-to-understand financial tools — without paywalls, or subscriptions. We create free online calculators that help everyday people understand money, make sense of historical economic data, and plan for the future with confidence.

Whether you're projecting how your savings could grow, checking a product's profit margin, converting a loan's APR to an APY, or curious what a dollar from the 1950s would be worth today, FinanceUtils gives you instant, clear answers you can understand and trust.

Our Data Sources

Accuracy matters. Where a calculator relies on published data — like our inflation tools — we use trusted, authoritative sources:

• Federal Reserve Bank of Minneapolis — historical US inflation rates (CPI-based, 1913–2025)
• US Bureau of Labor Statistics (BLS) — Consumer Price Index methodology and underlying price data

We update these data sets regularly to reflect the latest published figures and cite the source on the calculators that rely on them. Our other tools work entirely from the numbers you enter.

What We Offer

FinanceUtils is a growing set of free calculators. Right now you can use:

• Inflation Calculator — compare the purchasing power of a dollar across any two years from 1913 to 2025, alongside a Future Purchasing Power Calculator that projects how inflation erodes value over time.
• Investment Calculator — project the future value and ROI of a starting amount plus regular contributions, with an optional inflation adjustment.
• CD Calculator — see a certificate of deposit's balance and interest at maturity from your deposit, APY, and term.
• APR & APY Converter — convert between APR and APY at any compounding frequency and see the difference between them.
• Margin & Markup Calculator — find profit margin, markup, price, and profit from any two values.
• WACC Calculator — compute the weighted average cost of capital, including the debt tax shield.

We add new tools over time, so check back as the collection grows.

Privacy

We respect your privacy. FinanceUtils does not require registration, does not collect personal information, and does not sell user data. All calculations happen entirely in your browser — your inputs are never sent to our servers. See our Privacy Policy for full details.

Disclaimer

FinanceUtils provides tools for informational and educational purposes only. Nothing on this site constitutes financial, tax, or investment advice. Always consult a qualified financial professional before making important money decisions. While we strive for accuracy, we make no guarantees regarding the completeness or correctness of the data presented.

Who's Behind FinanceUtils

FinanceUtils is built and maintained by Vladimir, a software engineer with 10+ years of experience in data-driven applications. I'm not a licensed financial advisor — these calculators are mathematical tools. The ones that rely on published data draw on the Federal Reserve and the U.S. Bureau of Labor Statistics, with the source cited on the page; the rest work entirely from the figures you enter. For decisions tailored to your situation, consult a qualified CFP, CFA, or CPA.

Contact Us

Have a question, found a bug, or want to suggest a new calculator? We'd love to hear from you. Visit our Contact page to get in touch.