What's new

The notebook grows almost every day. Here's the honest chronology — new tools, features and fixes as they ship. Suggest the next one at contact.

July 27, 2026

New direction: Learn by playing — /learn/ opens with the Compound Interest Race, a 60-second game where you guess when money doubles, meet the real curve, then challenge a friend (guesses are never recorded)
India pair: FD Calculator (real quarterly compounding, payout modes, and what choosing income over growth costs) and Lumpsum Calculator (the ×multiple view, with an honesty warning when assumed returns look rosy)
Planning tools: Study Planner (a fits-or-doesn't verdict with a protected revision buffer), Freelance Rate (the three-layer formula, interactive), Break-Even Customers (from fixed costs to leads and marketing budget), Moving Budget (with your day-one cash wall shown separately)
Honesty note: we found and fixed a bug where, on slow connections, the page could reset what you were typing (two visitors hit it — we saw, we're sorry). A new automated guard now renders every component twice before release and blocks any build where this class of bug could return

🎉 Tools #49 and #50, twins: Deadline Pace (remaining work ÷ days left, with the price of a skipped week) and Savings Pace (goal ÷ your date — monthly, weekly and the daily figure that argues with impulse buys)
New: Down Payment Calculator — the amount, your saving timeline, and what stretching to 20% costs and saves (with a PMI bridge)
New: Rule of 72, Meeting Cost, and Split Expenses by Income — three honest little calculators for money conversations
New: /mortgage/ — one page that routes you by task: payment, PITI, PMI, down payment, payoff, and the paperwork guides
Every mortgage-cluster page now ends with "Choose the right calculator" so you land on the tool that answers your question

New: Words to Time — reading, speaking and narration timings side by side, with a reverse word-budget for speakers
New: Random Team Generator — split any list into fair random teams; mix two groups evenly (e.g. girls and boys) so every team gets a fair share of both; names never leave your browser
New guide: Freelance Hourly Rate — why salary ÷ 2000 quietly bankrupts freelancers, and the three-layer formula that fixes it
Every major calculator can now Copy, Share, Email and Print/PDF its result; links with numbers exist only where inputs are non-personal — and we say so right under the button
Our Methodology page now publicly lists every analytics event we record (facts of use only, never your values) — if the list grows, that page changes first

New: PMI Calculator — monthly mortgage insurance, LTV, and the scheduled 80% / 78% cancellation milestones (extra payments pull them closer)
Mortgage Calculator: opt-in PITI block — add your taxes, insurance, PMI and HOA to see the full monthly payment, not just P&I
What Is PMI guide rebuilt: clear formula, worked example and direct CFPB sources
Dice Roller: copy any roll as text, plus an honest write-up of how our randomness works
Hotel Nights: itemized cost breakdown and a nights-vs-days table; timers hub got a use-case table
Under the hood: fixed a subtle date bug that could break calculators for some visitors (thanks, session replays)

For Teachers page: the whole classroom toolkit — grading, curves, timers and school-site widgets — in one place
Loan Calculator learns to compare two scenarios side by side, with the difference highlighted and a plain-language verdict
Dice Roller: D&D advantage/disadvantage rolls, crit highlights and a d100
Six minute-timer pages rebuilt with real content and tables; new universal Online Timer with custom time
Site-wide: security headers, faster caching, tables in BMI/GPA/Mortgage, compact mobile navigation, llms.txt for AI assistants

Teacher Pack: easy-grader score chart, Grade Curve Calculator, Percentage→GPA converter and Attendance Calculator — the School hub now has 10 tools
New guide: How to raise your GPA

Back-to-school cluster: Weighted Grade, Test Grade and Cumulative GPA calculators
Business cluster: Margin, Break-Even and VAT calculators

Ten new tools including the Mortgage flagship, QR codes that never expire, and the Dice Roller
Currency selector (USD, EUR, GBP, INR, CAD, AUD, JPY) on all money tools — your choice is remembered
Category hubs and share buttons

CalcNotebook launches with six calculators: percentage, age, dates, loans, BMI and passwords