Finance Calculators
Loan, mortgage, compound and simple interest, ROI, margin, sales tax, savings, debt payoff, inflation and invoice tools to plan money decisions with confidence.
93 free tools
Compound Interest Calculator
Calculate compound interest with optional monthly contributions. See final balance, total interest and a year-by-year growth table for any rate and term.
Simple Interest Calculator
Calculate simple interest with the I = P × r × t formula. Enter principal, annual rate and time to see the interest and total amount instantly.
Loan Calculator
Calculate your monthly loan payment, total interest and total cost. Includes a full amortization schedule for any loan amount, rate and term.
Mortgage Calculator
Estimate your monthly mortgage payment including principal, interest, property tax and insurance. See total interest over the life of the home loan.
Tip Calculator
Calculate the tip and total for any bill, then split it evenly between people. Quick 15%, 18% and 20% buttons for fast gratuity at restaurants.
Margin & Markup Calculator
Calculate profit margin, markup and profit from cost and selling price, or find the price for a target margin. Ideal for pricing products and quotes.
Break-Even Calculator
Find your break-even point in units and revenue from fixed costs, price per unit and variable cost. Essential for pricing and small-business planning.
ROI Calculator
Calculate return on investment, net profit and annualized ROI from the amount invested and returned. Compare investments over any holding period.
Sales Tax Calculator
Add sales tax to a net price or extract tax from a gross price at any rate. See the net, tax and gross amounts instantly for receipts and invoices.
Salary to Hourly Calculator
Convert an annual salary to an hourly wage or an hourly rate back to a yearly salary, with monthly, weekly and daily pay equivalents. Free and private.
Savings Goal Calculator
Work out how much to save each month to reach a target amount by a set date, including interest earned. Free savings goal calculator, 100% in-browser.
Debt Payoff Calculator
Plan how fast you can clear multiple debts using the snowball or avalanche method. See payoff time, total interest and payment order. Free and private.
CAGR Calculator
Calculate the compound annual growth rate (CAGR) from a beginning value, ending value and number of years. See the formula and total growth. Free tool.
Inflation Calculator
See how inflation erodes purchasing power over time, or what a past amount is worth today. Enter an amount, rate and years. Free, private inflation tool.
Invoice Generator
Create a professional invoice with line items, tax and totals, then export a clean PDF — all in your browser. Free invoice generator, nothing uploaded.
Fuel Cost Calculator
Estimate the fuel cost and amount of fuel for any trip using distance, efficiency and fuel price. Supports miles/km and MPG or L/100km. Free and private.
Freelance Rate Calculator
Calculate the hourly and day rate you need to charge as a freelancer from your target income, expenses and billable hours. Free, private and instant.
Down Payment Calculator
Work out your down payment, loan amount and remaining percent from a home or purchase price. Switch between a down-payment percent and a fixed amount.
Rent vs Buy Calculator
Compare the cumulative cost of renting versus buying a home over several years, with rent growth, mortgage payments and ownership costs, and a clear verdict.
Net Worth Calculator
Add up your assets and subtract your liabilities to find your net worth. Editable rows for cash, property, investments, loans and debts, totalled instantly.
Retirement Savings Calculator
Project your retirement savings from current balance, monthly contributions, annual return and years. See the future value split into contributions and growth.
Paycheck Calculator
Estimate take-home pay from gross salary using your own tax and deduction percentages. See net pay per week, two weeks and month with a clear breakdown.
Overtime Pay Calculator
Calculate total pay from regular hours and overtime hours at a set multiplier (default 1.5×). See regular pay, overtime pay and total gross earnings.
Commission Calculator
Calculate sales commission from an amount and a rate, flat or tiered, plus an optional base salary. See commission earned and total earnings instantly.
Markup Calculator
Calculate selling price and profit from a cost and markup percentage, and see the resulting profit margin. Ideal for pricing products, quotes and resale.
Gross Profit Calculator
Calculate gross profit and gross profit margin from revenue and cost of goods sold. See profit in currency and as a percentage for pricing and reporting.
Lease Calculator
Estimate a monthly lease payment from capitalized cost, residual value, term and money factor. See the depreciation and finance portions of each payment.
Future Value Calculator
Calculate the future value of a lump sum and regular contributions given a rate and number of periods. See the total and the interest earned over time.
Present Value Calculator
Calculate the present value of a future lump sum and future payments using a discount rate and number of periods. See today's worth of tomorrow's money.
Amortization Schedule Calculator
Build a full month-by-month amortization schedule from your loan amount, rate and term. See principal, interest and balance for every payment, with CSV export.
Car Loan Calculator
Work out your monthly car payment from vehicle price, trade-in, down payment, sales tax and dealer fees, with total interest and the full cost of the loan.
Student Loan Calculator
Calculate monthly payments, payoff date and lifetime interest across one or several student loans, including interest that capitalizes during a grace period.
Credit Card Payoff Calculator
See how long it takes to clear a credit card balance and what the interest costs, comparing a fixed monthly payment against the minimum-payment trap.
APR Calculator
Find the true annual percentage rate on a loan once points, origination fees and closing costs are included, and compare it with the quoted nominal rate.
Mortgage Refinance Calculator
Compare your current mortgage with a refinance offer: new payment, monthly saving, lifetime saving and the break-even month where savings cover closing costs.
Early Mortgage Payoff Calculator
See how extra monthly, annual or one-off payments shorten your mortgage. Compare the accelerated schedule with the baseline to find the time and interest saved.
Home Affordability Calculator
Find out how much house you can afford from your income, monthly debts and down payment, using the 28/36 debt-to-income rule with fully editable ratios.
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios from itemised monthly debts and gross income, with the lender thresholds each result falls into.
Loan to Value (LTV) Calculator
Calculate your loan-to-value ratio, combined LTV with a second lien, your equity percentage and how far you are from the 80% mark where PMI usually drops.
Balloon Payment Calculator
Calculate the regular payment and the lump sum due at maturity on a balloon loan amortized over a longer notional term, plus total interest paid.
Loan Interest Rate Calculator
Work out the interest rate on a loan from the amount borrowed, the monthly payment and the term. Solves the annuity equation numerically for the true rate.
Loan Comparison Calculator
Compare up to three loan offers side by side on payment, total interest, fees and effective APR, with the cheapest total cost ranked automatically.
401(k) Calculator
Project your 401(k) balance at retirement from your salary, contribution percent, employer match and expected return, with a year-by-year growth table.
Roth IRA Calculator
Compound your annual Roth IRA contributions to retirement and compare the tax-free balance against a traditional account taxed at withdrawal.
SIP Calculator
Calculate the maturity value of a monthly SIP from your instalment, expected return and duration, with the invested-versus-returns split and a yearly table.
Dividend Calculator
Work out annual dividend income, dividend yield and yield on cost, then project reinvested DRIP growth from a dividend growth rate you set yourself.
Annuity Calculator
Calculate the present value, future value or sustainable payout of an annuity, for both ordinary annuities and annuities due, at any rate and term.
Bond Yield Calculator
Calculate a bond's current yield, yield to maturity and yield to call from its face value, coupon rate, market price and time remaining.
Capital Gains Tax Calculator
Calculate capital gain, tax due and net proceeds from your sale price, cost basis, fees and a tax rate you enter yourself. No jurisdiction tables.
Rule of 72 Calculator
See how long it takes an investment to double using the Rule of 72, checked against the exact logarithmic answer so you can see the approximation error.
Emergency Fund Calculator
Work out your emergency fund target from itemised essential monthly expenses and months of coverage, plus how long it takes to reach at your savings rate.
NPV Calculator
Discount a full series of period cash flows to today's money at any rate, with a cumulative discounted cash flow table, profitability index and CSV export.
IRR Calculator
Find the internal rate of return of a cash flow series by numeric root-finding, with an NPV check, a discount curve and clear warnings when no IRR exists.
Stock Average Calculator
Calculate your weighted average cost per share across multiple buy lots, the break-even price after brokerage, and profit or loss at any price you enter.
Crypto Profit Calculator
Calculate crypto profit, loss and ROI from buy price, sell price, quantity and both-side fee percentages, with break-even and target price planning.
Biweekly Mortgage Calculator
Compare a biweekly mortgage against monthly payments to see how many years you cut off the term and how much interest you save, plus a year-by-year table.
Mortgage Points Calculator
Work out what discount points cost, how much they cut your monthly payment, and the break-even month — so you know whether buying down your rate is worth it.
PMI Calculator
Estimate monthly private mortgage insurance, find the month your balance crosses 80% and 78% loan-to-value, and total the PMI you pay before it drops off.
PITI Calculator
Add principal, interest, taxes, insurance, HOA and PMI into one monthly PITI figure, then check it against front-end and back-end debt-to-income limits.
Interest-Only Mortgage Calculator
Model an interest-only mortgage: the low early payment, the jump when it converts to full repayment, and the extra interest it costs over the loan's life.
ARM Calculator
Project an adjustable-rate mortgage through its caps: a fixed teaser period, then index plus margin, re-amortised at each adjustment in three scenarios.
HELOC Payment Calculator
Calculate a home equity line of credit: available credit from your CLTV, interest-only draw payments on a schedule of draws, and the amortising repayment phase.
Closing Cost Calculator
Build an itemised closing cost estimate: origination, prepaid interest, escrow months and your own fee lines, totalled into the cash you need at closing.
Rent Affordability Calculator
Work out how much rent you can afford using the 30% rule, the landlord 3× income test and a debt-adjusted view, plus the income a target rent needs.
Debt Consolidation Calculator
Compare keeping your debts separate against one consolidation loan: payoff times, blended APR, total interest and whether the fee and longer term are worth it.
Balance Transfer Calculator
Model a 0% balance transfer: the transfer fee, the payment needed to clear before the promo ends, what the revert APR costs, and the saving versus staying put.
Car Depreciation Calculator
Project a car's resale value year by year with declining-balance depreciation, separate first-year and later rates, and the cost per year and per mile driven.
Car Lease vs Buy Calculator
Compare leasing a car against buying over the same horizon: lease payment from the money factor, loan payment, mileage overage and net cost after equity.
Stock Profit Calculator
Work out net profit on a share trade after commissions, with return percentage, break-even sell price and annualised return across multiple buy lots.
Stock Split Calculator
Convert a holding through forward or reverse stock splits: new share count, adjusted cost basis per share, split-adjusted price and cash in lieu of fractions.
Dollar Cost Averaging Calculator
Simulate fixed periodic investments over your own price series or a modelled return, and compare the average cost and ending value against a single lump sum.
Expense Ratio Calculator
See what a fund's expense ratio costs over time: fees paid each year, the lost compound growth, the ending-value gap and a side-by-side cheaper fund.
Portfolio Rebalancing Calculator
Turn current holding values and target weights into a trade plan: drift per asset, the exact buy or sell amount, and a cash-only mode that never sells.
CD Calculator
Work out what a certificate of deposit pays at maturity, its true APY at any compounding frequency, and what an early withdrawal penalty would cost you.
APY Calculator
Convert between nominal APR and effective APY at any compounding frequency, and see the same rate tabulated daily, monthly, quarterly and continuously.
Cap Rate Calculator
Calculate capitalisation rate from net operating income and price, or solve the price from a target cap rate, with GRM and the 1% rule screening check.
Rental Property Cash Flow Calculator
Model monthly rental cash flow after mortgage, tax, insurance and reserves, with cash-on-cash return, DSCR, cap rate and the break-even rent.
Savings Withdrawal Calculator
Find out how long your savings will last at a given monthly withdrawal, or how much you can safely take for a set number of years, with inflation increases.
Financial Independence Calculator
Work out your FI number from annual spending and a safe withdrawal rate, the years until you reach it, and the coast-FI amount needed today to stop saving.
Options Profit Calculator
Build a multi-leg option strategy and see the expiry payoff chart, break-even prices, maximum profit and maximum loss for calls, puts, spreads and straddles.
Income Tax Bracket Calculator
Apply a fully editable progressive bracket table to your income and see tax per band, total tax, marginal rate, effective rate and take-home pay.
WACC Calculator
Calculate weighted average cost of capital from market-value weights, CAPM cost of equity and a blended after-tax cost of debt, with Hamada beta relevering.
Depreciation Calculator
Build a year-by-year depreciation schedule using straight line, declining balance, double declining, sum of years digits, units of production or MACRS.
Bond Duration Calculator
Price a bond and calculate Macaulay duration, modified duration, convexity and DV01, then estimate the price move for any yield shift in basis points.
Sharpe Ratio Calculator
Paste a return series to get the Sharpe ratio with mean and standard deviation, plus Sortino, Treynor, information ratio and tracking error, annualised.
RMD Calculator
Work out your required minimum distribution from the IRS Uniform Lifetime Table, aggregate several accounts, and project future RMDs with a growth rate.
Self-Employment Tax Calculator
Estimate self-employment tax on your net profit with editable Social Security and Medicare rates, wage base, surtax threshold and the deductible half.
Estimated Tax Payment Calculator
Size your quarterly estimated tax payments from the safe-harbour rules, split them four ways or use the annualised income method for uneven earnings.
50/30/20 Budget Calculator
Split your take-home pay into needs, wants and savings at any ratio, map real spending to each bucket and see surplus, overspend and your true savings rate.
Credit Utilization Calculator
Calculate per-card and aggregate credit utilisation, and see exactly what payment or credit-limit increase brings each card down to your target ratio.
Stamp Duty Calculator
Calculate progressive stamp duty from a fully editable band table, with region presets, first-time-buyer relief, surcharges and total purchase cost.
Mortgage Recast Calculator
See what a lump-sum principal payment does to your mortgage: the recast payment over the remaining term versus keeping the payment and shortening the loan.
Gratuity Calculator
Calculate end-of-service gratuity under the Indian 15/26 rule, the UAE 21/30-day rule or your own company policy, with editable caps and rounding.