Are my financial numbers uploaded to a server?

No. CalcTools is 100% client-side. Every calculation — mortgage, loan, compound interest, tax — runs in your browser as plain JavaScript. There is no backend and no /api route. The site's Content-Security-Policy (connect-src 'self') even restricts which hosts the page may contact, so the privacy guarantee is enforced by the browser itself.

Are the calculations accurate?

Yes — each calculator uses the standard, published formula for its problem (the loan PMT formula, compound-interest future value, marginal tax bands, the HKMA stress-test rule, and so on). The verify suite hand-checks reference values against the implemented math before every build. Still, these are decision aids, not financial advice; confirm with a professional for a binding decision.

How is the currency converter's exchange rate sourced?

The converter ships with a build-time snapshot of exchange rates (taken from a public, no-key exchange-rate API at build time) bundled same-origin — it never makes a runtime request to any server in this MVP build. So currency conversion works offline and exposes no browsing data to a third party.

Do the Hong Kong calculators reflect the current year?

They use the published 2024/25 HK rates: Salaries Tax progressive bands (2%/6%/10%/14%/17%) and 15% standard rate with a $132,000 basic allowance; property Stamp Duty on the smoothed ad valorem band scale; MPF at 5% employee + 5% employer capped at the $30,000 monthly relevant-income limit. Always confirm the current figures on gov.hk before relying on a number for a real filing or purchase.

Does it work offline?

Yes. After the first load the app shell is cached, so every calculator works with no internet connection. Install CalcTools as a PWA and it opens and runs offline.

Debt

Debt-to-Income Calculator

Your debt-to-income ratio — the number lenders use to judge affordability.

Debt-to-Income Calculator

Your debt-to-income ratio — the share of monthly income that goes to debt.

Gross monthly income

Monthly debt payments

Your numbers never leave your device — all math runs in your browser.

Result

Debt-to-income ratio

30.00%

Healthy (≤35%)

Income left after debts$3,500.00

DTI = monthly debts ÷ gross monthly income. Lenders typically prefer ≤36%, and 43% is often the max for a mortgage.

Printable PDF report, saved scenarios & compare are Pro features.

One-time unlock, no subscription. Unlock CalcTools Pro →

How to use this calculator

Enter your gross monthly income.
Enter your total monthly debt payments (rent/mortgage, cards, loans).
Read your DTI ratio and the band it falls in.

Bookmark Debt-to-Income Calculator — it works offline once loaded. Figures are decision aids, not financial advice.