UtilityForge provides free, easy-to-use calculators designed for homeowners and individuals. Our tools help you plan, budget, and understand real-world costs for mortgages, utilities, retirement, and more.
We aim to empower users with trustworthy, accurate, and educational tools that do not require signups, emails, or hidden fees.
Most sites are cluttered with intrusive ads, require account creation, or provide questionable results. We built UtilityForge to be different—a place where you can get quick, accurate answers without the hassle.
UtilityForge was founded in 2024 by a team of developers and designers frustrated by the state of online calculators. We were tired of:
So we decided to build something better. UtilityForge started with a simple retirement calculator and has grown into a collection of professional-grade tools covering finance, home maintenance, and more.
All our calculators run entirely in your browser. Your inputs never touch our servers. We don't track what you calculate, we don't build profiles, and we don't sell data to third parties.
We believe tools should be beautiful and easy to use. Every calculator is designed with a focus on clarity, speed, and mobile responsiveness.
Our tools aren't just thrown together. Each calculator uses industry-standard formulas validated by professionals in their respective fields. When accuracy matters, we don't cut corners.
Desktop, tablet, or phone—our tools work seamlessly on any device. No app downloads required.
We actively listen to user feedback and regularly update our tools. Found a bug? Have a feature request? We want to hear about it.
UtilityForge is built by a small, dedicated team of developers, designers, and domain experts who care about creating useful tools.

Building fast, reliable tools with clean code and modern web technologies.

Crafting beautiful, intuitive interfaces that make complex tools feel simple.

Validating formulas and ensuring accuracy across finance, engineering, and more.
We currently offer five main tools, with more in development:
Plan your financial future with our comprehensive retirement savings calculator. See exactly when you can retire based on your current savings, contributions, and goals.
Calculate monthly payments including taxes, insurance, and PMI. View amortization schedules and see how extra payments can save you thousands in interest and years off your loan.
Calculate your electricity costs by state or custom rate. See what appliances cost to run and get personalized energy-saving recommendations.
Avoid costly home repairs by calculating optimal septic tank pumping schedules. Includes AI-powered troubleshooting for common issues.
We're constantly working on new tools based on user feedback and demand. Some tools currently in development:
Have an idea for a tool we should build? Let us know!
UtilityForge is supported by tasteful, non-intrusive advertising through Google AdSense. We deliberately keep ads minimal so they don't interfere with your experience.
We will never:
Our commitment: UtilityForge will remain free and accessible to everyone, forever.
We love hearing from our users! Whether you've found a bug, have a feature request, or just want to say hello, we're here to listen.