Free Online Tools for Everything You Do

Moratorium EMI Calculator — Loan Moratorium Interest Cost

Free moratorium EMI calculator: see how pausing loan EMIs accrues interest. Compare 3 post-moratorium options — tenure extension, EMI increase, or lump-sum interest payment — with full amortisation tables.

Morse Code Translator

Morse Fall Scale Calculator — MFS Score & Fall Risk Band | nrtechstudio.com

Interactive Morse Fall Scale (MFS) calculator: score the 6 validated items (0-125 points), get the fall-risk band (low / moderate / high) and general

Morse Code to Hex & English Translator

International Morse code converter, audio synthesizer, hex translator, and real-time audio-to-text decoder.

Mortality Rate Calculator — Crude, Cause-Specific, Case-Fatality, IMR (Free)

Free mortality rate calculator for epidemiology: crude mortality rate, cause-specific mortality rate, case-fatality rate (CFR), infant mortality rate

Mortgage Calculator UK — Monthly Payments, Borrowing Power, Stamp Duty & Stress Test

Free UK mortgage calculator: monthly payments in £, how much you can borrow (4.5x income + affordability), stamp duty SDLT with first-time buyer relief, lender stress test, LTV rate bands, Help to Buy & First Homes.

Mortgage Calculator with Extra Principal Payments

Universal Mortgage & Loan Amortization Calculator with Extra Principal Payments, Payoff Estimator, and Auto/Personal/Student Loan Schedules.

Mortgage Insurance Lab — PMI Calculator, FHA MIP, VA Funding Fee & USDA Fees

Free mortgage insurance lab: PMI calculator with credit-score rate estimator, PMI removal date calculator (with extra payments), upfront vs monthly PMI, lender-paid PMI vs borrower-paid PMI, piggyback 80-10-10 vs PMI, FHA MIP calculator (upfront + annual, 11-year rule), FHA vs conventional comparator, VA funding fee calculator and USDA guarantee fee calculator. 100% client-side.

Mortgage Penalty Calculator — Canada IRD + US Prepayment Penalty

Free mortgage penalty calculator: Canada IRD (interest rate differential) vs 3-month interest — compare Big-6 posted-rate vs fair monoline methods — plus US prepayment penalty types (declining, % of balance, yield maintenance) and a refinance break-even analyzer.

Mortgage Refinance Break-Even Calculator — Monthly Savings, Break-Even & Total Cost | nrtechstudio.com

Free mortgage refinance break-even calculator: monthly savings, break-even months, total interest old vs new, net savings over your horizon, and a don

Motor Capacitor Size Calculator — Run & Start Capacitor Sizing (µF, 50/60 Hz)

Free motor capacitor size calculator: compute run capacitor µF from motor no-load current (C = I·10⁶/2πfV), size start capacitors (2–4× rule), pick voltage ratings, and design discharge bleed resistors. 50/60 Hz, HP charts, safety guide.

Motorcycle Loan Calculator — Payment, Down Payment, Gear & Amortization

Free motorcycle loan calculator: monthly payment with down payment and trade-in, gear and accessories financing, dealer fees, sales tax, 24-84 month term comparison, extra payments, underwater tracker, ownership costs, and full amortization schedule. 100% client-side.

Moving Average Calculator (SMA, EMA, WMA) — Moving Averages & Crossover

Calculate moving averages from a data series: per-point SMA, EMA (α=2/(n+1)), and WMA, two-period golden cross / death cross detection, plus a two-series comparator. Free, 100% in your browser.

Moving Cost Calculator — DIY vs Movers vs Container (Free, 2026)

Free moving cost calculator: compare DIY truck rental vs professional movers vs moving container side by side. Seasonal & weekend pricing, packing supplies estimator, hidden-cost checklist, and international moving estimates. 100% client-side, no signup.

Moving Insurance & Valuation Calculator — Released Value vs Full Value vs Third-Party (Free)

Free moving insurance calculator: released value ($0.60/lb) shock math, full value protection cost estimator with deductible table, third-party insurance comparator, declared-value sizer, and a coverage decision framework. Educational estimates, 100% client-side, no sign-up.

Moving Truck Cost Calculator — U-Haul vs Penske vs Budget (6-Mode Lab)

Free moving truck cost calculator: compare U-Haul vs Penske vs Budget vs Home Depot side by side, pick the right truck size, one-way vs local pricing math, fuel cost by truck size, tow trailer add-ons, and hidden-fee checklist. Estimates from 2026 rate tables. 100% client-side.

Lawn Mowing Cost Calculator — Per Visit, Monthly & Season Estimates | nrtechstudio.com

Free lawn mowing cost calculator: estimate cost per visit, per month, and per season by lawn size, frequency, and condition. DIY vs hire comparator + quote checker. Runs 100% in your browser.

Mudroom Size Calculator — How Big Should a Mudroom Be?

Free mudroom size calculator: room dimensions for your household size, bench length, locker width, hooks per person, and walkway clearance.

Mulch Calculator | Cubic Yards, Bags & Cost | nrtechstudio

Free mulch calculator: bed area × depth to cubic yards, bags of mulch, bulk vs bag cost comparison, and annual re-mulch top-up. Works in feet/meters, inches/cm.

Multifactorial Calculator — n!, n!!, n!!! & General n!_k

Free multifactorial calculator: compute n! (factorial), n!! (double factorial), n!!! (triple factorial) and general n!_k with step-by-step multiplication and exact BigInt results for large n.

Mushroom Foraging Calendar: What’s in Season by Region & Month (Free)

Free interactive mushroom foraging season calendar: 28 gourmet wild mushrooms across 8 regions (Pacific Northwest, California, Northeast, Midwest, Southeast, UK, Europe, Australia). What’s fruiting now, morel season by state, species guides with lookalike warnings, printable trip checklist. 100% client-side.

Mushroom Yield Estimator — Flush-by-Flush Harvest Projection by Species & Substrate

Free mushroom yield calculator with a 12-species biological efficiency (BE) dataset: project flush-by-flush harvests (flush 1/2/3 with diminishing returns) from substrate weight, convert fresh to dried weight, and estimate batch cost, revenue and break-even. 100% client-side.

Music Room Size Calculator — 7 Planners for Piano, Drums, Guitar & Bands

Free music room size calculator: 7 planners for grand piano, upright piano, drum kit, guitar, band layout, acoustic panels and practice rooms.

Mutation Frequency Calculator

Free mutation frequency calculator: f = mutants / total screened, Wilson score confidence interval, frequency ↔ mutation-rate conversion, and the Luria-Delbrück fluctuation test (p0 method). Populatio

Mutation Rate Calculator — Per-Base Rate, Mutations per Genome & Reference Table

Free mutation rate calculator: estimate mu from de novo mutation counts (mu = M / (N x G)), convert mutations per base pair per generation to per-genome and per-year rates, and compare verified rates

Mutual Fund Calculator — SIP, Lump Sum Projections & Compare 2 Funds

Mutual fund calculator: lump sum & monthly SIP projections, compare 2 mutual funds (return & expense ratio), and solve for contribution/tenor/return from a target amount. Free, no sign-up.

Muzzle Velocity Calculator — Muzzle Velocity from Energy, Chronograph & BC

Calculate bullet muzzle velocity: from kinetic energy v=√(2E/m), from chronograph v=d/t, and downrange velocity correction via ballistic coefficient. Verified 9mm, .45 ACP, 5.56 NATO, .308 Win presets. 100% client-side.

NAFLD Fibrosis Score Calculator — NFS (Angulo) for Liver Fibrosis | nrtechstudio

Free NAFLD Fibrosis Score calculator (Angulo et al., 2007): estimate advanced liver fibrosis likelihood from age, BMI, diabetes, AST/ALT, platelets an

Pathfinder Name Generator & Golarion Lore Studio

Interactive name generator pathfinder and human name generator pathfinder for Pathfinder 2e and 1e RPG players.

Name Generator

Generate random names.

NanoID Generator & Collision Calculator

Free online NanoID generator to create secure, URL-friendly unique IDs with custom alphabets, length controls, and collision probability estimations.

UK National Insurance Calculator 2026/27 — Employee & Employer NI

UK National Insurance calculator for tax year 2026/27: calculate employee Class 1 NI (8%/2%), employer NI (15%), compare two salaries, and solve gross pay from an NI target. Free, educational estimate.

NPS Calculator – National Pension Scheme Corpus & Monthly Pension Estimator

Free National Pension Scheme calculator: project your NPS Tier 1 corpus, lump-sum withdrawal and monthly pension. Includes pension target solver, government employee mode, Tier I vs Tier II comparison, exit rules and tax benefits. Also works for NRI subscribers.

NATO Phonetic Alphabet Translator — Text to Alpha Bravo Charlie (Free)

Free NATO phonetic alphabet translator: spell any text as official ICAO code words (Alfa–Zulu, Zero–Niner) and decode code words back to text. Includes read-aloud, batch line processing, and copy/download.

Natural Frequency Calculator — Spring-Mass, Pendulum & Cantilever Beam

Free natural frequency calculator: spring-mass f = (1/2π)√(k/m) with 3-way solver, pendulum f = (1/2π)√(g/L), and cantilever beam first bending mode.

Natural Rate of Unemployment Calculator (NAIRU) — nrtechstudio.com

Natural rate of unemployment (NAIRU/NRU) calculator: compute NRU from frictional and structural components, cyclical unemployment, Okun's law output gap, two-region comparator, and solver. Free, educational, 100% in your browser.

Navy PRT Calculator — US Navy Physical Readiness Test Score (2025 Standards)

Free Navy PRT calculator using the official Guide-5A (Dec 2025) scoring tables. Score push-ups, forearm plank, 1.5-mile run, 2km row, or swim by age and gender — plus overall PRT score and pass/fail.

ND Filter Exposure Calculator — Long Exposure Suite (Stops, Bulb Timer, Stacking, Film Reciprocity, Video)

Free ND filter exposure calculator: convert ND stops to shutter speed, stack ND8+ND64 and more, bulb countdown timer with audio cues, film reciprocity compensation (Ilford HP5+, FP4+, Kodak Tri-X, T-Max, Fuji Acros), exposure triangle rebalancer, and 180° shutter video/drone mode. 100% client-side, no data leaves your browser.

NE555 Astable Calculator — 555 Timer Frequency, Duty Cycle & R/C Designer

Free NE555 astable calculator: compute 555 timer frequency, period, high/low time and duty cycle from R1, R2, C — or reverse-design R1/R2 from a target frequency and duty cycle with nearest E12 values. Timing diagram, pinout, schematic and presets. 100% client-side, no signup.

NEDOCS Score Calculator — National Emergency Department Overcrowding Scale

Free NEDOCS calculator: compute the National Emergency Department Overcrowding Scale score (Weiss et al. 2004) from 7 operational inputs, see the 6 se

Net Debt Calculator — Calculate Company Net Debt

Free net debt calculator: compute net debt (total interest-bearing debt − cash), component breakdown, compare 2 companies, and net debt target solver.

Net Effective Rent Calculator — Free

Net effective rent calculator: compute effective monthly rent after concessions (free rent, TI allowance), break down each concession's impact, compare 2 lease offers, and simulate a rent target. Free, 100% in your browser.

Net Force Calculator — 1D & 2D + Vector Diagram

Free net force calculator: sum 1–10 forces (magnitude + angle or Fx/Fy components), get F_net, direction, components, worked steps, and an SVG vector diagram. 1D collinear & 2D modes. N, kN, lbf units. 100% client-side.

Net Income Calculator — Calculate Company Net Income

Free net income calculator: compute company net income from revenue, COGS, operating expenses, interest & tax — plus multi-step income statement, 2-company comparator, and target profit solver.

Net Operating Assets (NOA) Calculator — Net Operating Assets

Net Operating Assets (NOA) calculator: compute net operating assets from balance-sheet components or the identity, measure RNOA, compare 2 companies, and simulate an RNOA target. 100% free in your browser.

Net Operating Income (NOI) Calculator — Property & Business NOI

Free NOI calculator: compute property net operating income (effective rental revenue − operating expenses) & business, compare 2 properties, plus target NOI solver. Runs 100% in the browser, no sign-up.

Net Operating Working Capital (NOWC) Calculator — Net Operating Working Capital

Compute net operating working capital (NOWC) from balance-sheet components or from total current assets and current liabilities. With a two-company comparator and a NOWC target solver.

NPV Calculator — Net Present Value, IRR, Payback & Pension Valuation

Free net present value calculator: NPV of projects with variable discount rates, IRR, MIRR, profitability index, discounted payback, sensitivity analysis, cash-flow timeline chart, and pension NPV / lump-sum buyout valuation. 100% client-side.