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    <title>The Handy Calculators — Updated Recently</title>
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    <description>New and updated free calculators on The Handy Calculators — money, time, health, education, conversions, home, and real estate.</description>
    <language>en-us</language>
    <lastBuildDate>Tue, 12 May 2026 12:00:00 GMT</lastBuildDate>
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      <title>1031 Exchange Calculator</title>
      <link>https://thehandycalculators.com/1031-exchange</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Deferred gain, recognized boot from cash and debt relief, federal tax owed, and carryover basis on a like-kind real estate exchange.</description>
    </item>
    <item>
      <title>401k &amp; Retirement</title>
      <link>https://thehandycalculators.com/retirement</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Project your retirement balance with employer match and growth.</description>
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    <item>
      <title>70% Rule Calculator</title>
      <link>https://thehandycalculators.com/seventy-percent-rule</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Maximum offer for a flip — 70% of ARV minus repairs, with adjustable spread for any market.</description>
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    <item>
      <title>Add or Subtract Days</title>
      <link>https://thehandycalculators.com/add-subtract-days</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Time</category>
      <description>Add or subtract days, weeks, months, years, or business days from any date.</description>
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    <item>
      <title>Age Calculator</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Time</category>
      <description>Your exact age in years, months, days, hours, and minutes.</description>
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    <item>
      <title>APR vs APY Converter</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Convert between APR and APY for any compounding frequency.</description>
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    <item>
      <title>BMI Calculator</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Body mass index in metric or US units, with category.</description>
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    <item>
      <title>BMR Calculator</title>
      <link>https://thehandycalculators.com/bmr</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Basal metabolic rate using Mifflin-St Jeor and Harris-Benedict, with activity-multiplier TDEE.</description>
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    <item>
      <title>Body Fat Calculator</title>
      <link>https://thehandycalculators.com/body-fat</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Estimate body fat percent with the US Navy circumference method, plus a BMI-based check.</description>
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    <item>
      <title>Body Roundness Index (BRI)</title>
      <link>https://thehandycalculators.com/body-roundness</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Models the body as an ellipse from waist and height — predicts mortality risk better than BMI.</description>
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    <item>
      <title>Business Days Calculator</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Time</category>
      <description>Count business days between two dates or add/subtract working days from any date, with custom holidays excluded.</description>
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    <item>
      <title>Calorie Calculator (TDEE)</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Daily calories to lose, maintain, or gain weight using Mifflin-St Jeor.</description>
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    <item>
      <title>Cap Rate Calculator</title>
      <link>https://thehandycalculators.com/cap-rate</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Capitalization rate from NOI and value, or solve for value, NOI, or required cap rate.</description>
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    <item>
      <title>Car Payment Calculator</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Monthly car payment including tax, trade-in, and down payment.</description>
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    <item>
      <title>Cash-on-Cash Return</title>
      <link>https://thehandycalculators.com/cash-on-cash</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Annual cash flow divided by cash invested — the levered return on a rental property.</description>
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    <item>
      <title>Closing Costs Estimator</title>
      <link>https://thehandycalculators.com/closing-costs</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Buyer closing-cost breakdown by line item — lender, title, government, prepaids — plus cash-to-close.</description>
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    <item>
      <title>Compound Interest</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Project your investment growth over years or decades.</description>
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    <item>
      <title>Concrete Calculator</title>
      <link>https://thehandycalculators.com/concrete</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Home</category>
      <description>Cubic yards needed for slabs, driveways, and patios — plus bags and cost.</description>
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    <item>
      <title>Cooking Conversions</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Conversions</category>
      <description>Cups, tablespoons, grams, ounces, and milliliters — plus oven temperature conversions.</description>
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    <item>
      <title>Cost of Living Comparison</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Salary you need in another city to maintain the same standard of living.</description>
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    <item>
      <title>Course Grade Calculator</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Education</category>
      <description>Weighted course grade from assignments, quizzes, and exams. Shows current grade plus the score needed on remaining work.</description>
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    <item>
      <title>Credit Card Payoff</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>How long it takes — and how much interest you&apos;ll pay — at your current monthly payment.</description>
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    <item>
      <title>Currency Converter</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Live exchange rates between major world currencies — updated daily (ECB).</description>
    </item>
    <item>
      <title>Date Difference</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Time</category>
      <description>Days, weeks, months, and years between any two dates — with optional business-days-only count.</description>
    </item>
    <item>
      <title>Days Until a Date</title>
      <link>https://thehandycalculators.com/days-until</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Time</category>
      <description>Countdown to any future date — birthdays, holidays, deadlines.</description>
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    <item>
      <title>Discount Calculator</title>
      <link>https://thehandycalculators.com/discount</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Find the sale price after any percentage discount.</description>
    </item>
    <item>
      <title>Fraction Calculator</title>
      <link>https://thehandycalculators.com/fraction-calculator</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Education</category>
      <description>Add, subtract, multiply, and divide fractions and mixed numbers — results returned simplified, as a mixed number, and as a decimal.</description>
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    <item>
      <title>Gas Mileage Calculator</title>
      <link>https://thehandycalculators.com/gas-mileage</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Conversions</category>
      <description>MPG from miles and gallons, plus total trip fuel cost at any price per gallon.</description>
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    <item>
      <title>GPA Calculator</title>
      <link>https://thehandycalculators.com/gpa</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Education</category>
      <description>Calculate your semester or cumulative GPA on a 4.0 scale.</description>
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    <item>
      <title>Grade Needed Calculator</title>
      <link>https://thehandycalculators.com/grade-needed</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Education</category>
      <description>Find the GPA you need on remaining coursework to hit a target cumulative GPA.</description>
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    <item>
      <title>Heart Rate Zone Calculator</title>
      <link>https://thehandycalculators.com/heart-rate-zones</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Calculate your five training heart-rate zones from age and resting HR using Tanaka, Fox, Gulati, or Karvonen heart-rate-reserve formulas.</description>
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    <item>
      <title>HELOC Calculator</title>
      <link>https://thehandycalculators.com/heloc</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Home equity line of credit: max borrow, interest-only payment, and full repayment cost.</description>
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    <item>
      <title>Hotel Income Proforma</title>
      <link>https://thehandycalculators.com/hotel-proforma</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>ADR × Occupancy × Keys → RevPAR, NOI, and value per key.</description>
    </item>
    <item>
      <title>Hourly to Salary</title>
      <link>https://thehandycalculators.com/hourly-to-salary</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Convert hourly wage to annual salary (and back) with custom hours per week.</description>
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    <item>
      <title>Ideal Weight Calculator</title>
      <link>https://thehandycalculators.com/ideal-weight</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Estimate ideal body weight from height, sex, and frame using Hamwi, Devine, Robinson, and Miller formulas, plus the healthy-BMI range.</description>
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    <item>
      <title>Income Proforma Hub</title>
      <link>https://thehandycalculators.com/income-proforma</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Pick a property type — multifamily, hotel, retail, office, or industrial — and underwrite it.</description>
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      <title>Industrial Income Proforma</title>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Warehouse / distribution NOI, NNN rent PSF, and value per SF.</description>
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    <item>
      <title>Inflation Calculator</title>
      <link>https://thehandycalculators.com/inflation</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>What a dollar from any year is worth today — adjust for the inflation rate.</description>
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    <item>
      <title>Investment ROI</title>
      <link>https://thehandycalculators.com/investment-roi</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Total return, profit, and annualized CAGR for any investment.</description>
    </item>
    <item>
      <title>Loan Calculator</title>
      <link>https://thehandycalculators.com/loan</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Monthly payment and total interest for any personal or auto loan.</description>
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    <item>
      <title>Lumber &amp; Board Foot Calculator</title>
      <link>https://thehandycalculators.com/lumber</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Home</category>
      <description>Calculate board feet for dimensional lumber. Add multiple sizes for total board feet, lineal feet, waste, and cost.</description>
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      <title>Macro Calculator</title>
      <link>https://thehandycalculators.com/macro</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Daily protein, carbs, and fat targets for cutting, maintenance, or bulking based on your TDEE.</description>
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      <title>Mortgage Calculator</title>
      <link>https://thehandycalculators.com/mortgage</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Monthly payment, taxes, insurance, and required income.</description>
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    <item>
      <title>Mortgage Refinance</title>
      <link>https://thehandycalculators.com/mortgage-refinance</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Monthly savings, break-even point, and lifetime savings from refinancing.</description>
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      <title>Mulch &amp; Gravel Calculator</title>
      <link>https://thehandycalculators.com/mulch-gravel</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Home</category>
      <description>Cubic yards, cubic feet, bags, and tons of mulch, gravel, topsoil, or sand to cover a rectangular area at any depth.</description>
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    <item>
      <title>Multifamily Income Proforma</title>
      <link>https://thehandycalculators.com/multifamily-proforma</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Apartment building NOI, cap-rate value, value per door, and DSCR.</description>
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    <item>
      <title>Net Worth Calculator</title>
      <link>https://thehandycalculators.com/net-worth</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Money</category>
      <description>Add up assets, subtract liabilities, see your total net worth.</description>
    </item>
    <item>
      <title>Office Income Proforma</title>
      <link>https://thehandycalculators.com/office-proforma</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Real Estate</category>
      <description>Office building NOI, rent PSF, expense recoveries, and value per SF.</description>
    </item>
    <item>
      <title>One-Rep Max (1RM)</title>
      <link>https://thehandycalculators.com/one-rep-max</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Estimate your 1RM from a working set using Epley, Brzycki, Lombardi, O&apos;Conner, and Lander formulas.</description>
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    <item>
      <title>Ovulation Calculator</title>
      <link>https://thehandycalculators.com/ovulation</link>
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      <pubDate>Tue, 12 May 2026 12:00:00 GMT</pubDate>
      <category>Health</category>
      <description>Estimated ovulation date, six-day fertile window, and next expected period from your last menstrual period and cycle length.</description>
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