Most calculators give you answers but lose the context. CalPal is a literate calculator that combines a text editor with a calculation engine, letting your math tell a story. The standout feature is the BYOK AI Assistant (Gemini). It solves "Blank Page Syndrome"—just ask it to "Draft a travel budget" or "Estimate MVP costs," and it generates the line items instantly for you to tweak. It's 100% free, private (local-only data), and browser-based.