46 free tools for money, risk, and workflow decisions
Tool collections for personal finance, investing, risk, and automation
Restructured around the lanes that matter most: broad consumer finance, repeat-use investing, defensible insurance and risk workflows, and automation tools that compress manual work.
Three new tools worth opening
A tighter spotlight on the newest additions with the strongest pull right now.
Personal Finance
Focused on individual money decisions: salary, housing, debt payoff, and savings momentum.
Built to win broad-intent search and convert one-off visitors into repeat users.
Inflation-Adjusted Salary Calculator
Compare salary growth against inflation. See real pay, required equivalent salary, and purchasing-power gain or loss over time.
Financial Health Snapshot
Score cash flow, savings, debt load, emergency runway, and retirement progress to get a practical personal finance health snapshot.
Rent vs Buy Calculator
Compare 10-year wealth, break-even point, and monthly costs for renting vs buying. Supports UK, US, Canada, Australia and more.
Debt Avalanche vs Snowball Calculator
Enter all your debts and compare avalanche vs snowball payoff strategies. See interest saved, payoff timeline, and debt-free date.
Salary Calculator
Convert salary across pay periods with international tax estimates, multiple currencies, city modifiers, and PPP comparison.
Compound Interest Calculator
See how your investment grows over time with compound interest. Year-by-year breakdown.
Investing
Focused on portfolio intelligence: growth, income compounding, downside analysis, and return tradeoffs.
This lane is positioned to build authority and bring people back for deeper analysis.
Investment Growth & Inflation Calculator
See how your investments grow in real terms after inflation. Nominal vs real value, purchasing power chart, year-by-year breakdown.
Portfolio Stress Tester
Stress-test a portfolio against market drops, inflation spikes, and rate shocks to see value impact, recovery targets, and downside pressure.
Dividend Reinvestment Calculator
Model DRIP investing with share-price growth, dividend growth, taxes, and ongoing contributions. See value, income, and share count over time.
Portfolio Drawdown Analyzer
Analyze return or balance sequences to find maximum drawdown, recovery time, ulcer index, and the worst peak-to-trough period.
Compound Interest Calculator
See how your investment grows over time with compound interest. Year-by-year breakdown.
ROI Calculator
Calculate return on investment, annualized ROI, and net profit from any investment.
Insurance & Risk
A broader and more professional lane for renewals, premium movement analysis, claims intelligence, exposure estimation, and operational insurance tracking.
This section is built as the insurance moat: operational workflows first, then deeper claims, commission, and exposure tooling.
Insurance Renewal Dashboard
Upload policy schedules, track upcoming renewal dates, and compare yearly premium totals across your portfolio.
Insurance Premium Change Analyzer
Compare last year versus current premium, factor in claims and policy changes, and explain the increase against inflation.
Claims Analytics Dashboard
Upload claims data, track frequency and severity, and compare open claims, incurred cost, and reserve pressure by region or line of business.
Risk Exposure Estimator
Estimate operational insurance exposure using payroll, revenue, property values, vehicles, cyber records, and regional market context.
Broker Commission Calculator
Model commission income, override income, broker fees, and effective revenue rate across insurance premiums and policy volumes.
Insurance Comparison Workspace
Compare carriers across premium, deductible, coverage fit, claims handling, and service quality in one insurance comparison workspace.
Business Risk Cost Estimator
Estimate cyber, downtime, liability, property, and workforce risk costs using operational assumptions and regional insurance context.
Automation & AI Tools
Focused on workflow compression: cleaning files, converting formats, and preparing messy inputs for downstream automation.
This lane creates a natural bridge from free utilities into higher-value SaaS workflows.
Visual Data Explorer (Graphic Walker)
A lighter open-source alternative to Tableau-style exploration. Analyze CSV and JSON in a drag-and-drop visual workspace powered by Graphic Walker and embedded directly in the browser.
File to Markdown Converter
Convert CSV, JSON, XML, HTML, and plain text to clean Markdown for LLMs. Inspired by Microsoft's open-source MarkItDown tool.
CSV Cleaner
Upload a CSV and remove duplicates, blank rows, and whitespace. Download cleaned file.
CSV to JSON Converter
Paste CSV data and instantly convert to a clean JSON array. Handles headers automatically.
JSON to CSV Converter
Paste JSON and instantly convert to CSV. Handles nested objects and arrays.
VLOOKUP Simulator
Match two tables on a key column — just like Excel VLOOKUP. No Excel needed. Paste and go.
More Free Tools
Everything not currently featured in the homepage lanes still stays discoverable.
Why people trust ToolDox
Built like a real publishing product, not a thin tool directory
ToolDox combines browser-based calculators with guides, FAQs, limitations, and practical examples. The goal is to help users act on a result, not just generate one.
Privacy-first processing
Most tools run fully in the browser, which reduces friction and keeps raw user data off our servers.
Curated section strategy
The homepage now groups tools by strategic lanes so new launches and future categories can be merchandised intentionally.
Visible assumptions
Where a tool depends on rates, formulas, or simplifications, we try to say so explicitly rather than hiding the model.
Contactable publisher
ToolDox has clear About, Privacy, Terms, and Contact pages so users know who runs the site and how to report issues.
Guides & Articles
View allDeep-dive guides and walkthroughs for finance, insurance, and operational decision-making. Learn the formulas, workflows, and real-world considerations behind every tool.
Rent vs Buy Calculator Guide
Complete breakdown of all costs, formulas, and decision factors. See real examples from UK, US, Canada, and Australia.
Debt Payoff Strategies
Compare avalanche vs snowball with real examples, motivation tradeoffs, and UK-specific payoff considerations.
Investment Growth & Inflation
Learn real vs nominal returns, how inflation destroys purchasing power, and why investment horizon matters.
Investment Returns After Inflation
See why nominal returns mislead and how to calculate the real return on investment after inflation properly.
The 5% Rule for Rent vs Buy
A fast rent vs buy screening rule, plus UK-specific adjustments and the cases where the shortcut fails.
Hidden Costs of Buying a House UK
The extra costs buyers miss: stamp duty, surveys, legal fees, moving, repairs, and first-year ownership cash flow.
How Much House Can I Afford?
A realistic UK affordability guide covering lender limits, debt ratios, rate stress tests, and lifestyle budgeting.
Compound Interest Examples UK
Real examples showing how time, tax wrappers, fees, and delayed starts change long-term investing outcomes.
Take Home Pay Calculator UK
Understand salary after tax, NI, student loans, pensions, and salary sacrifice with practical UK examples.
Inflation-Adjusted Salary Guide
See whether a raise really beat inflation, how to compare real pay across years, and how to frame salary negotiations in purchasing-power terms.
Insurance Renewal Dashboard Guide
Track policy renewals, compare yearly premium totals, and structure a practical renewal workflow across UK, EU, US, and Australia programs.
Insurance Premium Change Guide
Break a renewal increase into inflation, claims, and policy-change drivers so pricing conversations become evidence-based.
Claims Analytics Dashboard Guide
Read loss runs properly, separate frequency from severity, and spot reserve pressure before renewal meetings turn reactive.
Risk Exposure Estimator Guide
Translate payroll, revenue, property, fleet, and cyber footprint into clearer underwriting-prep priorities.
Broker Commission Calculator Guide
Understand commission, override, fee income, and effective take rate so brokerage economics stop hiding behind premium volume.
Insurance Comparison Workspace Guide
Compare carriers on coverage fit, claims handling, service, and deductibles instead of letting price decide by default.
VAT for Small Business
Learn when to register for VAT, when flat rate helps, and where small businesses lose money through filing mistakes.
Dividend Reinvestment Guide
Understand DRIP compounding, tax drag, yield on cost, and why dividend growth can matter more than headline yield.
Break-Even Analysis Example
Coffee shop, SaaS, and consultant examples showing how to calculate break-even point and margin of safety.
ROI Calculation Example
Property, stock, business, and side-hustle ROI examples with annualized return and payback thinking.
Portfolio Drawdown Guide
Learn max drawdown, recovery time, ulcer index, and why average returns fail to describe the risk investors actually experience.
Dashboard Design System
Build effective data dashboards with KPI templates, layouts for executives and analysts, and anti-patterns to avoid.
Data Visualization Guide
Master data storytelling. Learn the 4 data relationships, chart selection framework, and when to use Excel vs Tableau vs Python.
Data Quality Framework
Standardize data quality. Learn the 6 dimensions, source-specific validation, ETL pipeline checks, and compliance for analytics teams.
Data Governance Tool
Master data governance, GDPR compliance, data catalogs, and audit-ready documentation. For compliance officers and data teams.
Graphic Walker Guide
Use exploratory analysis to test field quality, build first views, and decide what deserves a proper dashboard workflow.