{
 "generated": "2026-11-02",
 "source": "https://duetrackstudio.com",
 "license": "https://duetrackstudio.com/terms-of-service/",
 "data": [
  {
   "slug": "daily-spending-calculator",
   "name": "Daily spending calculator",
   "description": "Work out how much you can safely spend each day until payday, after bills and savings. Free, private, no sign-up.",
   "what": "Shows how much money is genuinely free to spend each day until your next payday, after the bills still to come and the savings you want to keep.",
   "formula": "Safe to spend per day = (balance − bills still due − savings) ÷ days until payday",
   "example": "With 1,400 in the account, 520 of bills still to leave, 200 to save and 12 days to payday, 680 is free: 56.67 a day, or about 396.67 a week.",
   "limitations": [
    "It only knows what you enter. A forgotten bill makes the daily figure too high.",
    "It assumes your balance is cleared money, not pending payments."
   ],
   "url": "https://duetrackstudio.com/tools/daily-spending-calculator/",
   "category": "personal-finance",
   "free": true,
   "runsIn": "browser; no data sent"
  },
  {
   "slug": "50-30-20-budget-calculator",
   "name": "50/30/20 budget calculator",
   "description": "Split your take-home pay into needs, wants and savings with the 50/30/20 rule. Enter your income and see your three budget amounts instantly.",
   "what": "Splits your monthly take-home pay into the three parts of the 50/30/20 rule: needs, wants, and savings plus extra debt payments.",
   "formula": "Needs = 50% of take-home pay · Wants = 30% · Savings and extra debt payments = 20%",
   "example": "On a take-home pay of 4,000 a month: 2,000 for needs, 1,200 for wants and 800 for savings and extra debt payments.",
   "limitations": [
    "It is a starting point, not a rule. Where housing is expensive, needs often take more than 50%. Adjust the split rather than give up on it.",
    "Use take-home pay, not salary before tax."
   ],
   "url": "https://duetrackstudio.com/tools/50-30-20-budget-calculator/",
   "category": "personal-finance",
   "free": true,
   "runsIn": "browser; no data sent"
  },
  {
   "slug": "savings-goal-calculator",
   "name": "Savings goal calculator",
   "description": "Find out how much to save each month to reach a savings goal by a date, including what you already have and any interest. Free and private.",
   "what": "Tells you how much to put aside each month to reach a savings target in a set number of months, counting what you have already saved and any interest.",
   "formula": "Monthly deposit = (goal − already saved × (1 + r)ⁿ) × r ÷ ((1 + r)ⁿ − 1), where r is the monthly rate and n the number of months",
   "example": "To reach 5,000 in 24 months with 500 already saved at 4% a year, save 178.75 a month. Without interest it would be 187.50.",
   "limitations": [
    "Interest is assumed to be paid monthly at a fixed rate. Real rates change.",
    "It ignores tax on interest."
   ],
   "url": "https://duetrackstudio.com/tools/savings-goal-calculator/",
   "category": "personal-finance",
   "free": true,
   "runsIn": "browser; no data sent"
  },
  {
   "slug": "loan-payment-calculator",
   "name": "Loan payment calculator",
   "description": "Calculate the monthly payment, total repaid and total interest on a loan from the amount, interest rate and term. Free, private, instant.",
   "what": "Calculates the fixed monthly payment on a loan, how much you will repay in total and how much of that is interest.",
   "formula": "Payment = amount × r ÷ (1 − (1 + r)⁻ⁿ), where r is the yearly rate ÷ 12 and n the number of months",
   "example": "A loan of 15,000 at 7.5% over 60 months costs 300.57 a month: 18,034.15 in total, of which 3,034.15 is interest.",
   "limitations": [
    "Fees, insurance and variable rates are not included. Use the APR from your loan offer for the closest result.",
    "Lenders may round payments slightly differently."
   ],
   "url": "https://duetrackstudio.com/tools/loan-payment-calculator/",
   "category": "personal-finance",
   "free": true,
   "runsIn": "browser; no data sent"
  },
  {
   "slug": "debt-payoff-calculator",
   "name": "Debt payoff calculator: snowball vs avalanche",
   "description": "Compare the debt snowball and debt avalanche for your own debts: see your debt-free date, total interest and payoff order for each. Free and private.",
   "what": "Compares the two most popular ways to pay off several debts, snowball (smallest balance first) and avalanche (highest interest rate first), using your real balances, rates and payments.",
   "formula": "Monthly simulation: balance × (rate ÷ 12) interest added, minimums paid, then (extra + freed-up minimums) to the target debt",
   "example": "Three debts (store card 900 at 19.9%, credit card 4,500 at 24.9%, car loan 8,200 at 6.9%) with 200 extra a month are cleared in 27 months either way. Avalanche costs 1,937.22 in interest, 62.64 less than snowball (1,999.86), but snowball clears the first debt in month 5 instead of month 18.",
   "limitations": [
    "Rates are treated as fixed and interest as monthly. Cards that charge daily interest, promotional rates and fees will differ a little.",
    "Minimum payments on cards usually fall as the balance falls; here they stay fixed, which is what most payoff plans assume."
   ],
   "url": "https://duetrackstudio.com/tools/debt-payoff-calculator/",
   "category": "personal-finance",
   "free": true,
   "runsIn": "browser; no data sent"
  },
  {
   "slug": "position-size-calculator",
   "name": "Position size calculator (forex)",
   "description": "Calculate forex position size in lots from your account balance, risk percentage, stop-loss in pips and pip value. Free and private.",
   "what": "Works out how many lots to trade so that, if your stop-loss is hit, you lose only the percentage of your account you chose to risk.",
   "formula": "Lots = (balance × risk % ÷ 100) ÷ (stop-loss pips × pip value per standard lot)",
   "example": "A 10,000 account risking 1% with a 25-pip stop on EUR/USD (pip value 10) can trade 0.40 lots (40,000 units), risking 100.",
   "limitations": [
    "Pip value depends on the pair and your account currency. Use your broker's figure.",
    "Slippage and gaps can make a real loss larger than planned. Educational tool only, not advice."
   ],
   "url": "https://duetrackstudio.com/tools/position-size-calculator/",
   "category": "trading-investing",
   "free": true,
   "runsIn": "browser; no data sent"
  },
  {
   "slug": "risk-reward-calculator",
   "name": "Risk/reward calculator",
   "description": "Enter entry, stop-loss and target to get the risk-to-reward ratio and the win rate you need to break even. Works for long and short trades.",
   "what": "Shows how much you stand to gain for each unit you risk, and the share of trades you would need to win just to break even at that ratio.",
   "formula": "R = |target − entry| ÷ |entry − stop| · Break-even win rate = 1 ÷ (1 + R)",
   "example": "Entry 1.0850, stop 1.0825 and target 1.0925 is a 1:3 trade. You would need to win 25% of such trades to break even, before spreads and fees.",
   "limitations": [
    "A high ratio is not better on its own: distant targets are hit less often.",
    "Spreads, commissions and slippage raise the real break-even rate. Educational tool only."
   ],
   "url": "https://duetrackstudio.com/tools/risk-reward-calculator/",
   "category": "trading-investing",
   "free": true,
   "runsIn": "browser; no data sent"
  },
  {
   "slug": "compound-interest-calculator",
   "name": "Compound interest calculator",
   "description": "See how savings grow with compound interest and regular monthly deposits, year by year. Free, private, no sign-up.",
   "what": "Shows how a starting amount plus a regular monthly deposit grows over the years when interest is added monthly and itself earns interest.",
   "formula": "Each month: balance = balance × (1 + rate ÷ 12) + deposit",
   "example": "Starting with 1,000 and adding 200 a month at 6% a year, after 10 years you would have 34,595.27, of which 25,000 is what you paid in and 9,595.27 is growth.",
   "limitations": [
    "Real returns vary from year to year and investments can fall in value. A fixed rate is an illustration, not a forecast.",
    "Tax, fees and inflation are not included."
   ],
   "url": "https://duetrackstudio.com/tools/compound-interest-calculator/",
   "category": "personal-finance",
   "free": true,
   "runsIn": "browser; no data sent"
  },
  {
   "slug": "blood-sugar-converter",
   "name": "Blood sugar converter: mg/dL ↔ mmol/L and A1C",
   "description": "Convert blood glucose between mg/dL and mmol/L, and turn an A1C result into estimated average glucose. Free, private, educational.",
   "what": "Converts blood glucose readings between the two units used around the world, and estimates average glucose from an A1C (HbA1c) percentage.",
   "formula": "mmol/L = mg/dL ÷ 18.016 · mg/dL = mmol/L × 18.016 · eAG (mg/dL) = 28.7 × A1C − 46.7",
   "example": "126 mg/dL is 7.0 mmol/L, and 7.0 mmol/L is 126 mg/dL. An A1C of 7% corresponds to an estimated average glucose of about 154 mg/dL (8.6 mmol/L).",
   "limitations": [
    "This is a unit converter, not a diagnosis. It does not tell you whether a reading is normal or what to do about it. Ask your doctor or diabetes team what your targets are.",
    "Estimated average glucose is a population formula; an individual's average can differ from it."
   ],
   "url": "https://duetrackstudio.com/tools/blood-sugar-converter/",
   "category": "health",
   "free": true,
   "runsIn": "browser; no data sent"
  }
 ]
}