StatGardenREF. DESK
Every formula shown · nothing hard-coded

Every number you need, and the working underneath it.

A reference desk of calculators that print the equation they evaluate, explain every input, and take each rate and assumption from you rather than burying a figure that will be out of date next year.

Frequently used

The calculators people open most often.

Loan payment & amortisationRepayment on a fixed-rate amortised loan, with a year-by-year schedule.Mortgage repaymentFull monthly housing cost: principal, interest, rates, insurance and strata.Compound interestGrowth of a lump sum plus regular contributions.PercentageThe three everyday percentage questions in one place.Body mass index (BMI)Weight relative to height, with the WHO category.Standard calculatorA plain calculator for everyday sums, with brackets, powers, roots and the order of operations shown as it works.Salary & hourly rate converterMoves between hourly, weekly, monthly and annual pay.Savings goalWhat you must put away each month to hit a target.TDEE: daily calorie needsBMR scaled by how active you are.Body fat percentage (US Navy)Tape-measure estimate of body composition.Age calculatorExact age in years, months and days, plus the next birthday.Days between datesElapsed time between two dates, with and without weekends.Unit price comparisonWhich pack is actually cheaper per unit.Trip fuel costFuel and time for a journey, split between passengers.Length & distanceMetric and imperial length, from millimetres to nautical miles.TemperatureCelsius, Fahrenheit, Kelvin and Rankine.Paint requiredLitres of paint for walls, allowing for doors and windows.Concrete volumeCubic metres for a slab, footing or set of posts.Margin & markupTurns cost and price into margin, markup and profit.Calorie deficit targetDaily calorie target for a chosen weekly weight-loss rate, from TDEE.Fraction arithmeticAdd, subtract, multiply or divide two fractions and simplify.AverageMean, sum and count for a list of numbers.Ohm’s lawVoltage, current, resistance and power from any two.Ideal gas lawPressure, volume, temperature and moles of a gas.

Browse by subject

Every category, grouped. Each one lists its full set.

Finance

Loans, mortgages, valuations, business ratios and growth metrics: the maths behind money decisions, with every rate a field you set yourself.

Health & Fitness

Body composition, training load, nutrition and sports performance, worked out with published clinical and sports-science formulas, each one named.

Maths

Algebra, trigonometry, geometry and statistics, with the working shown beside every answer so you can check the method rather than trust the result.

Everyday

Unit conversion, home and trade quantities, cooking, pets and photography: the practical calculations that daily life actually runs on.

Date & Time

Everything measured in days and hours: ages, durations, business days, countdowns and timesheets, on real calendar arithmetic.

Science

Physics, chemistry, biology, ecology and renewable energy: first-principles formulas for the lab bench, the field and the classroom.

Gaming

Damage, survivability, drop odds and grind time: the arithmetic behind build choices, weapon comparisons and how long a level will really take.

How these are built

Three rules the whole site follows.

About →
Nothing goes stale

Most calculators quietly bake in a tax rate, a fuel price or a contribution cap, and are wrong the day it changes. Here every rate, price and threshold is a field you set yourself.

The formula is on the page

Each tool prints the equation it evaluates and explains what every input means, so you can check the answer by hand or rebuild it in a spreadsheet.

Worked examples are computed, not typed

The example tables are generated by running the calculator itself at build time. The numbers in the prose cannot drift from the tool, because they come from it.

From the blog

Short pieces on the arithmetic, and where it usually goes wrong.

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