What is CalculatorAI

CalculatorAI is an AI-powered platform for the math that money asks you every day — mortgages and taxes, trading and freelancing, budgets and business pricing. We pair fast, focused calculators with long-running trackers and professional document tools, and we weave an AI copilot through all of them.

Three families of tools live under one account. One platform, one Pro tier, one bill — when you choose to pay at all.

What's on the site

Calculators — fast answers for one specific question

A growing library across 13 categories:

• Real estate — mortgage, rental profitability, property loan, affordability
• Crypto — BTC mining ROI, crypto P&L, average buy price
• Stocks & investing — stock profit, capital gains, ROI, dividend yield, compound interest
• Debt — credit card payoff, debt avalanche, debt snowball, loan payment, credit score simulator
• Solopreneur / business — break-even, CAC/LTV, bonus tax, business margins
• FIRE / retirement — FIRE retirement, asset allocation, savings projections
• Mindful spending — budget, cost of living, cost-per-use
• Body & ecology — BMI, calorie deficit, carbon footprint
• Daily essentials — currency converter, tax estimators
• Travel & auto — auto lease, car loan
• Life milestones — baby cost, education savings
• Goal achiever — savings targets, goal-amount planners
• Group / social — tip splitter, group expense split

Every calculator works the same way: enter your numbers and the result appears instantly. Below it you get a clear breakdown (what each component contributes), a formula explanation (what the math actually does), and FAQ about the topic.

From the result panel you can:

• Download a PDF report — full breakdown formatted for printing or sharing.
• Save an instant screenshot — one tap, get a branded image of your result. Works on every device, perfect for sharing in chat or email.
• Save to History — keep the result tagged with a custom name so you can come back to it later. Comes with a history page that lists every result you've saved.
• Favorite the calculator — pin the ones you use often. They show up on your /favorites page in one click.
• Compare scenarios side by side — change inputs, save scenario A, change inputs again, save scenario B; the Scenario Compare panel shows both with deltas highlighted. Pro users get unlimited comparisons; free users get three lifetime saves.
• Ask the AI about your specific numbers — see the AI section below.

Trackers — long-running journals that remember

Trading Journal — /journals

A unified journal that covers every asset class a serious trader works with: crypto, forex, stock, futures, options, swing, and scalp trades. (Sports betting lives in its own sub-section using the same engine.) One workspace, one analytics layer, one database — no need for a separate tool per asset type.

Tabbed workspace:

• Trades — the full ledger. Filter by symbol, side, account, strategy, status. Sticky filters, sticky headers, type-coloured rows.
• Dashboard — equity curve, win/loss donut, win rate, profit factor, max drawdown, average win/loss, R-multiple, expectancy, longest streaks, Kelly criterion. Filter by month, year, all-time, or custom date range — and by account or strategy. Built-in calendar shows daily P&L coloured red/green.
• Setup — your trading rule book. Strategies library with abbreviations, ticker registry (with point-value for futures), pre-trade checklist, profit goals by month, and a one-click share link to publish your stats to a public profile.
• Accounts — manage multiple accounts (live, demo, prop firm) with starting balance, deposits, withdrawals, and per-account analytics.

Add a trade with the Quick Add popover from anywhere, or open the full editor for partial entries / exits, risk amount, MAE / MFE, market regime, emotional state, mistakes, screenshots, tags. The journal records far more than most: it's built to find the patterns behind the numbers, not just record them.

When you have no trades yet (anonymous, or fresh account), the journal opens in demo mode with a 15-trade fixture so you can see the full UI before committing.

Invoices Tracker — /invoices

A bookkeeping tracker for invoices you've issued (not to be confused with the Invoice Generator below, which creates them). The focus is on collections and cash flow:

• Dashboard KPIs — total billed, total paid, total outstanding, collections rate, overdue exposure, average days to pay (DSO).
• Status breakdown — paid / sent / draft, with overdue flagged.
• Interactive Payment Calendar — every due date plotted on a month grid. Click a day to see which invoices are due. Coloured by status so you can spot trouble at a glance.
• Forward cash-flow projection — three months of expected revenue based on outstanding sent invoices.
• Six-month trend chart — billed vs paid, month by month.
• Late payment recovery workflows — when an invoice goes overdue, the AI helps you draft a polite follow-up email with the right tone for the situation.

Demo mode for anonymous viewers shows a richer 8-invoice fixture across paid, sent, draft, and overdue states.

More trackers are planned and will share the same Pro account when they ship — no new bill, no new account.

Document tools — professional generators for business paperwork

Nine document generators, each at its own URL, each producing PDFs that look like a real accounting department made them:

• Invoice generator — /invoice-generator — commercial invoices with Net 30 / Net 15 / Net 60 terms, VAT / sales tax / GST, IBAN / SWIFT / routing details, currency formatting that respects locale conventions.
• Quote / estimate — /quote-template — business quotes with validity windows, scope of work, conversion to invoice.
• Purchase order — /purchase-order-template — B2B purchase orders with Incoterms (FOB, EXW, DDP), PO numbers, three-way matching support.
• Receipt — /receipt-generator — payment confirmations, cash vs card, warranty proofs.
• Credit note — /credit-note-template — refunds, billing corrections, reference to original invoice.
• Debit note — /debit-note-template — added B2B charges with reference trail.
• Proforma invoice — /proforma-invoice — pre-shipment, customs, letter of credit.
• Delivery note / packing slip — /delivery-note-template — quantities, sender / receiver, signature line, no financial fields.
• Timesheet — /timesheet-template — billable hours, project / task split, consultant approval flow.

All nine share one editor and one PDF pipeline. Features available across all of them:

• Fill with AI — type a sentence ("Send Globex $4,200 for last month's consulting hours, Net 30 terms, my standard tax of 20%"), and the form populates. Edit anything before you save.
• Save to your account — every document you create can be saved into your library; revisit, edit, duplicate, archive.
• Email straight to your client — send the PDF in-app (via Resend). Sender name, reply-to, message body — all editable. Both you and the client get the same branded email.
• CSV import with AI mapping — bulk-import historical invoices from any spreadsheet; AI maps your columns to ours.
• Reusable address book — clients you've billed before are one tap away on the next document.
• Multi-currency — display, send, and store in 30+ currencies.
• Translated in all 10 site languages.

How pricing works

We do not believe in walls. Everything on the site is free to try, and we never auto-charge anyone.

Anonymous visitors can use every calculator, browse the trackers in demo mode, see every document tool, and read every methodology page. Sign up to save your work, get an account, and unlock the AI everywhere.

Free signed-in keeps you forever. Daily caps on PDFs, saves, and AI requests, plus a few lifetime caps (favorites, saved invoices, address-book size). You can always export your data — that's never gated.

Pro removes every cap. Unlimited AI everywhere, unlimited saves, unlimited everything.

The trial: every new account gets 30 days of full Pro access, free, no credit card. When the trial ends, your account drops to Free; everything you created during the trial stays — visible, exportable, never deleted. Subscribe whenever you're ready.

What changes between Free and Pro

Everything still works on Free — Pro just removes the caps. The full comparison and FAQ live on the pricing page.

How AI helps across the site

The AI isn't bolted on — it's woven through every product. Six different AI surfaces, each with its own focus and its own knowledge.

1. In every calculator — AI chat (Pro / Free 5/day)

Inside any calculator, an AI chat tab knows your current inputs and the live computed result. Ask things like:

• "Why is my monthly mortgage payment $1,847 — what's driving most of it?"
• "What happens if I increase the down payment by $20,000?"
• "Explain PMI / amortization / capital gains tax in plain language."
• "Compare this scenario with a 15-year loan instead of 30-year."

The AI sees your numbers, so the answer is grounded in your situation — not a generic textbook response. It will not invent prices, rates or jurisdictions you didn't enter.

2. AI Insights button on the result (Pro / Free 3/day)

One tap on the result panel asks the AI for a one-shot expert reading of the numbers. Different from chat: this is a single, structured analysis without back-and-forth. Typical output includes:

• What the result actually means in plain language
• Risks or red flags in the numbers
• Two or three recommended next actions
• Trade-offs the user might not have noticed

Use chat for back-and-forth questions, use Insights when you just want a verdict.

3. Trading Journal AI (Pro / Free 3/day chat, 1/day per-trade)

The journal has the deepest AI integration on the site because the data is rich enough to find real patterns. Four distinct AI capabilities live inside /journals:

• Per-trade analysis — open any trade, press "AI Analyze". The AI examines your entry, exit, stop, take-profit, size, strategy, and notes, and tells you what went well and what to improve. Great for post-trade journaling.
• Journal chat — ask anything about your trading. "What's my win rate by strategy?", "Which day of the week am I most profitable?", "Review my last 10 trades and find the common mistake." The AI sees every trade, every account, every strategy.
• AI Insights (Pro only) — a weekly pattern report. Surfaces patterns you didn't see yourself: best setups, worst times of day, drawdown triggers, edge decay, recovery patterns.
• Pre-trade checklist — the AI helps you maintain a checklist (e.g. "Did I check the news? Is my stop placed? Is my risk under 1%?") and reminds you before quick-adding a new trade.

4. Invoices Tracker AI (Pro / Free 3/day)

The invoices chat knows your client base, your billing history, and which clients are late.

• "Which invoices are overdue, and by how much?"
• "Draft a polite-but-firm follow-up to Globex about INV-2026-004."
• "What's my average days-to-pay this quarter?"
• "Which clients always pay on time? Which always drag?"

When you ask for a follow-up email, the AI tunes the tone for the situation — gentle nudge for a 3-day overdue, firmer language for 30+ days, formal escalation for 60+ days. You always review before sending.

5. Document tools — Fill with AI (Pro / Free 5/day)

In every document generator (invoice, quote, purchase order, receipt, etc.), the Fill with AI button accepts a single natural-language sentence and populates the entire form:

• "Send Globex Corporation $4,200 for May consulting hours, Net 30, my standard 20% tax."
• "Quote to Wayne Enterprises for 3 days of consulting at $1,500 / day, valid 30 days."
• "Receipt to John Smith for the May rent payment of $2,400, cash."

The AI fills client details (looking up your address book if it knows the client), line items, dates, terms, tax. You review and tweak before saving or sending — never a black box.

Pro users also get CSV Import with AI mapping — point at any spreadsheet of historical invoices and the AI maps your columns to ours, no template required.

6. Site Assistant — the floating button (Pro / Free 3/day)

The chat button in the corner of every page — this is the only AI that knows about everything you do across the whole platform.

• "How am I doing this month — both trading and invoices?"
• "Which clients are late and which trades are open?"
• "Which calculator should I use to figure out a 401(k) rollover?"
• "What features come with Pro that I'm not using yet?"
• "What's the difference between a quote and a proforma invoice?"

Unlike the in-product chats which focus on one tool, the site assistant has read every methodology page on the site and has a compact snapshot of your data across the journal, the invoices tracker, and your calculator history. It routes you to the right tool, explains site-wide concepts, and gives personalised cross-product answers.

Privacy guarantee for all six surfaces: the AI sees only your own data, never anyone else's. We do not train models on what you ask. CSV export of your data is free regardless of tier — you never get held hostage.

How people use the site

There's no single path. People come for one tool, stay for the platform. A few real journeys:

"I'm a first-time homebuyer"

Land on the mortgage calculator. Enter price, down payment, rate, term. See the monthly payment break down into principal, interest, taxes, insurance. Save the scenario as "Option A — 30-year fixed". Adjust the down payment by $20,000 and save as "Option B". The Scenario Compare panel shows the delta in monthly payment and total interest paid. Ask the AI "explain PMI" and "should I prioritize down payment or rate buy-down?" — the AI explains the trade-offs without prescribing. Download the PDF and bring it to your real-estate agent meeting.

"I'm an active trader getting serious"

Sign up. Trial Pro auto-activates for 30 days. Open /journals. Add your first account (live, with broker name and starting balance). Quick-add your first three trades from earlier this week. Close them with exit prices and see your win rate, P&L, and equity curve fill in on the Dashboard. End of the week, ask the journal chat "review my last week" — the AI spots that you size up after wins and recommends fixed-fractional sizing. Two weeks in, the AI Insights weekly report lands in your dashboard surfacing that your best setups are breakouts on Wednesdays and your worst are mean-reversion attempts after 3pm. You add this insight to your pre-trade checklist and your win rate climbs.

"I freelance and I need to chase my unpaid invoices"

Open /invoice-generator. Type "Send Globex $4,200 for May consulting, Net 30, my standard 20% tax". AI fills the form. Tweak the line items. Hit Email to client — the PDF lands in Globex's inbox the same minute. Also hit Save so the invoice goes into your /invoices tracker. Three weeks later, open the tracker dashboard — INV-2026-005 is overdue by four days. Open the invoices AI chat: "draft a polite follow-up to Globex about INV-2026-005". The AI writes a gentle three-paragraph nudge that references the invoice number and original due date. Send. Two days later, paid. Mark as paid in the tracker; your collections rate ticks up.

"I'm budgeting for life events"

Use the baby cost calculator to project the next 18 years of one child. Use the education savings calculator to figure out how much to put aside per month for college. Use the FIRE / retirement calculator to see whether saving for both at once delays your retirement target. Save all three scenarios as favorites and pin them. Open the floating site assistant — "based on what I just calculated, where should I start?" — the AI looks at your favorites and gives a prioritised three-step plan.

"I'm a small business owner pricing my services"

Open the break-even calculator with your fixed costs, variable cost per unit, and target price. Iterate on price until break-even hits a comfortable monthly volume. Open the CAC/LTV calculator next to figure out how much you can spend acquiring a customer. Move to /quote-template, fill with AI "Quote to new client for 4 months of fractional CMO work at $6,500/month, 50% deposit". Send. When they accept and the work begins, convert the quote to a recurring invoice in the invoice generator.

"I'm tracking debt payoff"

Open the debt snowball calculator — list all your debts, balances, rates, minimums. See the monthly payment plan with a payoff date. Open the debt avalanche calculator — same debts, but pay highest-interest first. Compare both side by side. Save the better plan as a favorite. Each month, open the credit card payoff calculator to confirm you're on track. Three months in, open the credit score simulator to see how the payoff is moving your score.

"I'm crypto investing across exchanges"

Use the average buy price calculator to merge your multiple buys at different prices. Use crypto P&L to see where you stand. Use the BTC mining ROI calculator if you're considering hardware. Later, move your trades into the Trading Journal — record entries, exits, fees, exchange. The journal aggregates across all your tickers and shows a unified P&L curve regardless of how many exchanges you use.

"I want to send a quote, then later turn it into an invoice"

Open /quote-template. Fill it. Save. When the client accepts, open the quote, click "Convert to invoice". The invoice opens pre-filled with the client and line items; you just adjust the date / due date / terms and email it. Both stay in your saved-documents library so you can audit the full thread.

"I'm not sure where to start"

Click the floating AI button bottom-right. Ask "I'm new — what should I do first?". The assistant looks at your account (empty), points you at three starter calculators based on common first-visits, and offers to walk you through any one of them.

What we believe

Your data stays yours. CSV export is always free, no matter the tier. We never want anyone to feel held hostage by their own numbers.

Privacy is real, not theatrical. Your trades, your invoices, your calculator history — the AI sees them only to help you, never anyone else. We do not use customer data to train models. Auth is via Supabase with row-level security; every database query is scoped to the signed-in user.

No dark patterns. No auto-charge after the trial. No card on file unless you actively subscribe. Cancel from your account page in one click. We track your trial days remaining in the sidebar so you always know where you stand.

The math is free forever. The core compute, the formula explanations, the screenshots, the basic results — none of that ever gets locked behind a paywall. Pro removes caps on AI, saves, and history; it never gates the math itself.

Built for every language. Every page is translated into 10 languages — English, Russian, Chinese (Simplified), Spanish, German, Italian, French, Japanese, Portuguese, Turkish. Your numbers, your currency, your rules — formatted right for where you live.

Ready to start? Get Pro free for 30 days — no card required.