Receipts.
Not promises.
Free calculators across eight money-and-tech topics — does this AI tool, card, policy, or subscription actually pay for itself? Every number runs in your browser, no signup, no tracking.
Eight topics. One question each: where does the money actually go?
Each topic is its own world — pick the one on your mind and get the spreadsheet answer.
Money & Business
Unit economics, pricing, break-even, lead cost — the math behind a business that stays open.
6 calculators →AI & Automation
What an AI tool or automation actually saves you — payback, ROI, the right-size stack — before you subscribe.
3 calculators →Cybersecurity & Privacy
VPNs, password managers, scam math — what online protection is actually worth paying for.
Explore →Credit & Cards
Payoff timelines, balance-transfer savings, and the true cost of interest — the fine print, decoded.
3 calculators →Insurance & Protection
Coverage you actually need, premiums decoded — the big-money decisions, in plain numbers.
2 calculators →SaaS & Startups
LTV:CAC, subscription bleed, the unit economics behind software businesses that grow (or die).
2 calculators →Personal Finance
Compounding, SIPs, tax brackets, retirement targets — plan the long game with honest math.
6 calculators →Creator & Income
AdSense, YouTube, affiliate ROAS, side-hustle payback — creator income, fully costed.
4 calculators →Go straight to a calculator
A few of the most-used. The full set lives on the tools page.
AI ROI Calculator
Hours saved × rate − tool cost. Payback days, 12-month net, 3-year NPV.
Credit · PayoffCredit Card Payoff
How long your balance really takes to clear — and the interest it costs you.
Business · Break-evenBreak-Even Calculator
How many sales per month before you stop bleeding and start keeping money.
SaaS · Unit economicsLTV : CAC Ratio
Lifetime value vs acquisition cost + CAC payback. Is the growth engine healthy?
Compound Interest
Principal, rate, years, frequency. Final balance and the interest that did the work.
Security · VPNVPN Cost vs Value
Per-device cost, multi-year spend, and how much annual billing really saves.
The spreadsheet behind the opinion
Most money and tech decisions are sold on confusion — a confident pitch, a number with no source, a subscription nobody re-checks. Bhovix is the other thing: the math, shown, so you can decide for yourself.
Every calculator runs in your browser, no signup, no tracking. We earn only if you sign up for a tool through one of our affiliate links — and only when the numbers say it would actually pay for itself in your case. Full disclosure.