All 12 SkyZap tools

Refinance Calculator

Find out exactly how many months until a refinance pays for itself. Compares your current loan against a new one including closing costs, PMI and lifetime interest.

Debt Payoff Planner

Compare the debt snowball and debt avalanche methods across all your balances. See your payoff date, total interest saved and a month-by-month payment schedule.

Life Insurance Calculator

Calculate how much life insurance your family actually needs using the DIME method plus income replacement. Get a coverage figure and a recommended term length.

Rent vs Buy

Should you rent or buy? This calculator compares total wealth under both paths including maintenance, taxes, closing costs and the opportunity cost of your down payment.

Solar Savings Calculator

Estimate solar panel system size, upfront cost after incentives, payback period and 25-year savings using your actual electricity bill and local sun hours.

Energy Open

Invoice Generator

Create and download professional PDF invoices in under a minute. Multi-currency, tax and discount support, custom logo, and nothing ever leaves your browser.

SaaS Metrics

Calculate MRR, ARR, net revenue retention, churn, LTV, CAC payback and the Rule of 40 in one place. Benchmarked against real SaaS ranges investors expect.

Freelance Rate Calculator

Work out the hourly rate you must charge to hit your target income after taxes, business costs, unpaid admin time and holiday. Includes day and project rates.

Business Loan Calculator

Calculate business loan payments, true APR including fees, total interest and a full amortization schedule. Compare term loans, SBA loans and equipment finance.

Privacy Policy Generator

Generate a complete, customised privacy policy for your website or app in minutes. Covers GDPR, CCPA/CPRA, analytics, advertising and cookie disclosures.

Legal Open