About Calculator HQ

Calculator HQ is a small, free utility site built for hourly workers — the people whose pay changes every week with their hours, and who deserve to be able to check the math themselves — and for home buyers in Canada and the US who want to see exactly how a mortgage payment is built.

Every tool here follows the same rules:

• Free, with no sign-up. No accounts, no paywall, no email required to use a calculator.
• Instant and private. Calculations run in your browser as you type. The numbers you enter are never sent to a server or stored.
• The math is shown. Each result comes with a line-by-line breakdown, and each page explains the formula, works through an example with real numbers, and lists the common mistakes to watch for.
• Your currency, stated plainly. Use the currency selector at the top of any page to work in US dollars, Canadian dollars, euros, pounds, and more; exchange rates come from the Frankfurter API (European Central Bank reference rates), with built-in fallback rates if the live service is unreachable. The tools assume the standard 40-hour week and a 52-week year, and where a tool lets you change an assumption, the default is labelled. Worked examples are written in US dollars and labelled as USD examples.

What these tools are — and aren't

The pay calculators estimate gross pay: pay before income tax, Social Security, Medicare, and other deductions. The mortgage calculators estimate payments from the rate, amortization, and term you enter, and assume that rate never changes — real mortgages, taxes, and insurance do change. None of these tools is tax, legal, or financial advice. Overtime and pay rules differ by state, by country, and by employer; if a result here disagrees with your pay stub or your employer's policy, your stub and the rules that apply to your job are the ones that count — and your payroll department or state labor office can settle a real dispute.

How the site is supported

The site is free to use and is intended to be supported by advertising. See the Privacy Policy for how cookies and third-party advertising work here. If you spot a wrong number or a confusing explanation, please get in touch — correctness is the whole point of the site.