Plan every money decision with clarity
35 free calculators to forecast growth, size your goals, and pressure-test the big decisions - no signup required.
Every calculator is free to use, no sign-up required. To save scenarios, unlock projected target dates, and track multi-currency net worth, see Kesoria Pro pricing.
Built for your situation
The tools most relevant if your money, income, or life crosses more than one country or currency.
Net Worth Tracker
Calculate your total assets minus liabilities.
Currency Converter
Convert 150+ currencies at daily reference rates.
Financial Independence (FIRE)
Find your FI number and years to freedom.
Coast FIRE
How much you need invested today to coast to retirement.
Emergency Fund
Size the cushion you need from your expenses.
Savings Rate
See how your savings rate maps to years of freedom.
Rent Affordability
How much rent you can afford, in any currency.
General financial tools
The rest of the toolkit - broadly useful for anyone, not specific to living or earning across borders.
Wealth & Retirement
Track your overall net worth, plan for retirement, and visualize compound growth.
Investment Analysis
Analyse asset classes, valuation, and optimise your portfolio allocation.
Investment Return
Stress-test a plan against bull, base, and bear scenarios.
Wealth Multiplier
See how cutting expenses multiplies wealth.
Growth vs Dividend
Compare growth investing vs dividend investing.
Asset Allocation
Find your ideal mix of stocks and bonds.
Portfolio Rebalancer
Calculate exact trades to reach target weights.
Expense Ratio Drag
See how fund fees destroy long-term wealth.
DCF Intrinsic Valuation
Value a stock based on future cash flows.
Options P&L
Visualize payoff diagrams for basic options.
Margin Call
Calculate leverage and margin call prices.
Real Estate & Fixed Income
Evaluate physical properties, bonds, and interest-bearing assets.
Mortgage Calculator
Calculate monthly payments with full PITI.
Rent vs. Buy
Compare home equity vs investing the difference.
Rental Property ROI
Analyse Cap Rate, NOI, and cash flow.
Bond Yield & Pricing
Calculate YTM and visualize price-yield curves.
Tax-Equivalent Yield
Compare muni bonds vs corporate bonds.
Budgeting & Income
Manage your monthly cash flow, savings goals, and understand your salary.
Inflation Calculator
See how rising prices erode your buying power over time.
Financial Health Score
Assess your overall financial wellness.
Budget Calculator
Apply the 50/30/20 rule to your income.
Salary Breakdown
Break any salary down to the month, week, day, hour.
Savings Goal
Find how much to set aside to reach your goal.
Taxes, Debt & Crypto
Optimise your strategies for digital assets, taxes, and large purchases.
Debt Payoff
Compare avalanche vs snowball methods.
Lease vs. Buy (Auto)
Compare the net cost of leasing vs buying a car.
Roth Conversion
Compare Traditional vs Roth tax impacts.
Social Security
Optimise your claiming age for max benefit.
Impermanent Loss
Calculate IL when providing DeFi liquidity.