❤️ Health & Body Composition
BMI Calculator
Body Mass Index with age‑adjusted interpretation.
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Body Fat % Estimator
US Navy method. Find your true muscle‑to‑fat ratio.
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Waist‑to‑Hip Ratio
Where you carry fat matters more than how much.
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Heart Rate Zones
Find your training zones by age. Optimise every workout.
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VO₂ Max Estimator
Rockport walking test. Estimate your cardio fitness.
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Calorie Deficit
Daily calorie target for weight loss based on BMR & activity.
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1‑Rep Max by Age
Estimate your maximum lift. Brzycki formula.
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1‑Rep Max by Age
Estimate your maximum lift. Brzycki formula.
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🧰 Calculators I Use to Run My Daily Life
These are the tools I’ve built and use myself — from tracking debt to evaluating investments. They’re not fitness‑focused, but they help keep the rest of life running smoothly.
Credit Card Payoff
See exactly when you’ll be debt-free and how much interest you’ll save.
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Mortgage Payment
Calculate PITI, amortization, and compare loan offers.
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Personal Loan EMI
Monthly installment, total interest, and payment breakdown.
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Compound Interest
See how your money grows over time with regular contributions.
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Student Loan Refinance
Compare current vs. new rates. See interest saved and break‑even.
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Auto Loan Calculator
Monthly payment, total interest, and true cost of your car loan.
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Crypto Profit/Loss
Net gain or loss on any crypto trade, with fees.
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Home Affordability
How much house can you afford based on income and debt?
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Rental Property ROI
Cap rate, cash-on-cash return, and monthly cash flow analysis.
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Mortgage Refinance
Break‑even point, monthly savings, and total interest saved.
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Rental Breakeven
Move or stay? See your breakeven point and net savings.
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Life Insurance Needs
Calculate how much coverage your family actually needs.
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More tools added regularly. Built by Dr. Shirley Cheung — theshirlshirl.com