Free Home & Financial Calculators You Can Trust
UtilityForge provides simple, accurate calculators to help homeowners and individuals make smarter decisions about money, utilities, and long-term planning — without ads, accounts, or hidden fees.
UtilityForge is a collection of free, browser-based calculators designed to help people understand real-world costs — from mortgage payments and electric bills to retirement planning and septic system maintenance.
Each tool is built to be easy to use, transparent in its assumptions, and focused on education — not selling products or collecting personal data.
Plan your financial future with confidence. Calculate when you can retire based on your savings, contributions, and goals. See exactly how much you need to save.
Calculate Retirement →Estimate monthly payments, total interest, and long-term costs across different loan terms including 15, 30, and 50-year mortgages. See amortization schedules and discover how extra payments can save you thousands in interest.
Calculate Mortgage →Learn septic pumping schedules, maintenance costs, and warning signs to avoid expensive system failures. Calculate your pumping schedule and get expert AI advice on troubleshooting issues.
Get Your Schedule →Understand how energy usage, rates, and household habits affect your monthly electric bill. Calculate your electricity costs and find ways to save money. See what your appliances really cost to run and get personalized energy-saving tips.
Calculate Electric Bill →UtilityForge exists to make complex calculations approachable, so you can plan ahead with confidence.
UtilityForge provides free, easy-to-use calculators that help homeowners and individuals understand real-world costs — from utilities and mortgages to long-term planning.
Our tools are designed for education and transparency, with no signups, no personal data collection, and no sales pressure.
We built UtilityForge to be different. Our tools are:
Whether you're planning retirement, growing your business, or maintaining your home, we're here to help you make better decisions with better tools.