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Engineering-as-Marketing · Free Web Utilities

Instant Financial Calculators. Zero Sign-Up Required.

High-precision, privacy-preserving financial utilities built for creators, indie founders, and multi-asset investors. Run mathematical models in your browser with 100% local calculation.

Zero Data Storage
Real-Time Computation
No Email Gates
TOOL 01
Most Popular

Net Worth Calculator

Multi-Asset Balance Sheet & Debt Ratio

Calculate your true net worth across cash, stocks, crypto portfolios, and illiquid holdings offset by credit cards and loans. Dynamic asset allocation charting in real time.

Key Parameters
Liquid CashEquities & ETFsCrypto AssetsActive Liabilities
Output Result:Total Net Worth & Debt-to-Asset Ratio
TOOL 02
For Indie Hackers

Creator Revenue Calculator

MRR, ARR & Operating Runway

Blend fragmented earnings from Stripe subscriptions, Gumroad digital goods, and RevenueCat app in-apps. Calculate your true annualized run-rate and survival runway months.

Key Parameters
Stripe MRRRevenueCat In-AppsGumroad SalesMonthly Burn
Output Result:Annualized ARR & Runway Months
TOOL 03
Cost Sentinel

Subscription Bleed Calculator

Recurring Drain & Compounding Opportunity Cost

Audit recurring SaaS subscriptions, forgotten trials, and streaming costs. Visualizes cumulative bleed over 1, 3, and 5-year horizons and calculates lost S&P 500 index compounding.

Key Parameters
Active SubscriptionsMonthly Recurring CostBilling Frequencies
Output Result:5-Year Bleed & Compounded Opportunity Cost
TOOL 04
Margin Auditor

Platform Fee & Take-Home Calculator

Gross-to-Net Gateway Deduction Engine

Discover your actual take-home revenue after Stripe payment processing (2.9% + $0.30), Apple App Store cuts (15% or 30%), and Gumroad platform fees. Uncover true creator margins.

Key Parameters
Gross Sales VolumeAverage Order ValuePlatform Rail Selection
Output Result:Net Take-Home Pay & Effective Take Rate %
[ THE SOVEREIGN UTILITY PHILOSOPHY ]

Why run your numbers on YoFi tools?

Most web calculators capture your email address, upload your financial figures to remote tracking pipelines, and sell your data to financial marketers. YoFi takes the exact opposite approach.

100% Client-Side Math

Every formula executes directly in your browser's JavaScript engine. Your revenue, subscriptions, and portfolio numbers never touch our servers.

Instant, Reactive Inputs

Slide parameters, tweak fees, and witness immediate compounding curves and debt-to-asset changes without page refreshes or delays.

Direct Mobile Upgrade

Tired of recalculating monthly? Download YoFi for Android to sync Stripe, Gumroad, and crypto balances automatically in an encrypted local database.

FROM WEB TOOL TO REAL-TIME APP

Automate these calculations permanently on your phone.

YoFi aggregates your Stripe, Gumroad, RevenueCat, bank balances, and crypto holdings into an offline-first encrypted dashboard. Never calculate manually again.

100% Local Encrypted DatabaseZero Cloud TelemetryInstant Offline Sync
YoFi Pro · Sovereign Mode
Encrypted
Unified Net Worth+18.4% YTD
$148,420.00
Cash / FX:$66,789
Stocks:$44,526
Crypto:$22,263
Creator:$14,842
Stripe · RevenueCat · Hardware KeysZero Cloud Storage