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TS Tools

Free online calculators, pure frontend, no data uploads, instant results.

tstools.org · Continuously updating

Online Tools
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Mortgage Calculator
A mortgage calculator with taxes and insurance. Enter loan amount, term, and rate to get monthly payment, total interest, and a full amortization schedule.
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Income Tax Calculator
Income tax calculator based on the latest bracket rates. Figure your taxable income, tax due, quick deduction, and after-tax take-home pay.
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Compound Interest Calculator
Compound interest calculator with contributions. Supports lump sum and monthly contribution modes, outputs future value and return ratio, compares with simple interest, and draws a growth curve.
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Mortgage Prepayment Calculator
Mortgage prepayment calculator supporting two strategies, shortening the term and lowering the monthly payment. See interest saved, new monthly payment, and new payoff date.
Use now

AboutAbout TS Tools

TS Tools (tstools.org) is a pure frontend tool site focused on free online calculators, currently featuring 4 practical calculators covering the mortgage calculator, income tax calculator, compound interest calculator, and mortgage prepayment calculator for high-frequency life scenarios. All tools run locally in your browser, pure frontend, no ads, no data uploads, instant calculation; pages use responsive design, mobile-friendly, and no login required, just open the page and use it.

Use CasesWho Uses These Tools

Covering home buying, investing, and tax filing scenarios

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Homebuyers

Before buying a home you need to compare monthly payments and see total interest, and decide between equal installment and equal principal. Use the mortgage calculator to instantly get monthly payment and total interest, then layer in the mortgage prepayment calculator to plan early payoff and interest savings.

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Investors

Run dollar-cost averaging, project compound interest future value, compare simple versus compound interest, and plan retirement or education funds. The compound interest calculator supports both lump sum and monthly contribution modes with a growth curve for long-term planning.

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Tax Filers

Every annual filing season you need to compute taxable income and tax due from marginal brackets. The income tax calculator figures your taxable income, tax due, quick deduction, and after-tax take-home pay based on the latest bracket rates.

Featured ToolsFeatured Tools

Practical calculators covering mortgage, income tax, compound interest, and prepayment

¥
Mortgage Calculator
A mortgage calculator with taxes and insurance. Enter loan amount, term, and rate to get monthly payment, total interest, and a full amortization schedule.
Use now
税
Income Tax Calculator
Income tax calculator based on the latest bracket rates. Figure your taxable income, tax due, quick deduction, and after-tax take-home pay.
Use now
↑
Compound Interest Calculator
Compound interest calculator with contributions. Supports lump sum and monthly contribution modes, outputs future value, and compares with simple interest.
Use now
⏱
Mortgage Prepayment Calculator
Mortgage prepayment calculator supporting two strategies, shortening the term and lowering the monthly payment. See interest saved and new payoff date.
Use now

FAQFrequently Asked Questions

Common questions about mortgage, income tax, compound interest, and data safety

How does a mortgage calculator with taxes and insurance work?
A mortgage calculator with taxes and insurance estimates your true monthly payment by combining principal and interest with property taxes, homeowners insurance, and other costs. The mortgage calculator on TS Tools lets you enter loan amount, term, and rate to instantly see monthly payment, total interest, and a full amortization schedule.
How is income tax calculated?
Income tax is calculated by applying marginal tax brackets to your taxable income, then subtracting deductions and credits. The income tax calculator on TS Tools figures your taxable income, tax due, quick deduction, and after-tax take-home pay based on the latest bracket rates.
How do I calculate compound interest with monthly contributions?
Compound interest with contributions adds a fixed deposit each period and lets interest accumulate on both principal and prior interest. Future value = P*(1+r)^n + PMT*[((1+r)^n - 1)/r]. The compound interest calculator with contributions on TS Tools supports both lump sum and monthly contribution modes and draws a growth curve.
Is making mortgage prepayments worth it?
Mortgage prepayment is usually worth it when your loan rate is higher than the return on safe investments. The mortgage prepayment calculator on TS Tools compares two strategies, shortening the term versus lowering the monthly payment, and shows how much interest you save and the new payoff date.
What is the difference between equal installment and equal principal mortgages?
Equal installment (fixed monthly payment) keeps payments constant and easier to budget, while equal principal pays more upfront but less total interest. Use the mortgage calculator to output both plans side by side and compare total interest paid.
Are these calculators free? Is my data uploaded to a server?
Yes, completely free and no login required. Every calculator on TS Tools is pure frontend, your inputs are processed only in your local browser, never sent to any server, with no ads and no tracking pixels. Open the page and use it with confidence.
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Free · No sign-up
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Ads · No data uploads
4
Tools and growing
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Mobile-friendly