# Finance & Money Tools

> Mortgages, interest, income tax, salary, investment returns, discounts and unit prices, bill splitting, expense tracking and invoices.

- URL: https://qilingtools.com/en/tags/finance
- Price: Free, no sign-up
- Privacy: Runs locally in the browser; files are never uploaded

## Tools (15)

- [Percentage Calculator](https://qilingtools.com/en/math/percentage): Free online percentage calculator: X% of Y, X as a percent of Y, increase and decrease, a value after a percentage change and the original behind it.
- [Number to Words](https://qilingtools.com/en/math/number-words): Free online number to words converter: English words, English currency amounts, Chinese numerals and the financial uppercase form used on invoices.
- [Interest Calculator](https://qilingtools.com/en/math/interest): Free online interest calculator: compound interest at any frequency with the effective annual rate, simple interest, monthly savings growth and loan payments.
- [China Income Tax Calculator (IIT)](https://qilingtools.com/en/math/income-tax): Free China individual income tax calculator: monthly gross to take-home with social insurance, 2023 deductions, cumulative withholding and annual bonus options.
- [Mortgage Calculator](https://qilingtools.com/en/math/mortgage): Free mortgage calculator: monthly payment, fixed-payment vs equal-principal, total interest, taxes and insurance, extra payments and a yearly schedule as CSV.
- [Split Bill](https://qilingtools.com/en/split-bill): Free online bill splitter for trips and dinners: add people and expenses, split equally, by share or by amount, and settle with the fewest transfers.
- [Discount Calculator](https://qilingtools.com/en/math/discount): Free discount calculator: sale price after % off and stacked discounts, spend-and-save deals, deal and unit price comparison, margin, markup, sales tax, tips.
- [Invoice & Quote Generator](https://qilingtools.com/en/invoice): Make invoices, quotes, receipts and proforma invoices online: line items with discounts and tax, automatic totals, logo and signature, 3 templates, PDF.
- [Unit Price Calculator](https://qilingtools.com/en/unit-price): Compare products by unit price: per oz, lb, kg, L, item or sheet, with % off, spend-and-save, second-item discounts and buy-N-get-M deals. Finds the best value.
- [China Salary Calculator (Take-Home Pay)](https://qilingtools.com/en/math/salary): China take-home pay calculator: editable city social insurance and housing fund rates, special deductions, monthly IIT, bonus tax, employer cost, net-to-gross.
- [IRR & NPV Calculator](https://qilingtools.com/en/math/irr-npv): Investment calculator: NPV, IRR (detects multiple IRRs), MIRR, XNPV/XIRR on real dates, payback, discounted payback and PI. Matches Excel.
- [Expense Tracker](https://qilingtools.com/en/expense-tracker): Free private expense tracker: categories, accounts, tags, currencies, monthly budgets, pie, trend and heatmap reports, recurring bills, CSV import. Stays local.
- [Chinese E-Invoice Extractor](https://qilingtools.com/en/pdf/invoice): Batch-extract Chinese VAT and digital e-invoice PDFs: number, date, buyer, seller, tax IDs, amounts, line items; QR cross-check, duplicates, CSV.
- [FIRE Calculator](https://qilingtools.com/en/math/fire): Find your FIRE number and years to financial independence from income, spending and real returns, with Monte Carlo success rates, Coast FI and Barista FI.
- [Gift Ledger](https://qilingtools.com/en/gift-ledger): Free private gift ledger: log wedding, shower and birthday gifts received and given, see each person’s balance, get return-gift ideas and print a list.