Finance Tools

Free online finance calculators to plan and decide with confidence — loans and mortgages, compound and simple interest, savings goals, ROI, VAT and more. Provided for information only, not financial advice.

Compare loans and repay debt

Loan / EMI Calculator

Calculate your monthly loan payment (EMI), total paid and total interest.

Auto / Car Loan Calculator

Calculate your monthly car payment and total interest from price, down payment, trade-in and fees.

Amortization Schedule Calculator

Generate a full loan amortization table: interest vs principal per period and the running balance.

Early Payoff & Extra Payment Calculator

See the interest saved and months cut by extra payments, a lump sum or biweekly payments.

Student Loan Repayment Calculator

Find your student loan payment, total interest and payoff date — or the time a given payment takes.

Credit Card Payoff & Minimum Payment Calculator

Compare paying a card's minimum vs a fixed amount: payoff time, interest and the cost of the minimum trap.

Debt Payoff Calculator

Find how many months it takes to clear a debt, plus the total interest and total paid.

Plan housing costs

Mortgage Calculator

Estimate monthly mortgage payments including taxes and insurance.

Refinance / Loan Comparison Calculator

Compare your current loan with a refinance offer: monthly savings, break-even month and lifetime cost.

Debt-to-Income Ratio Calculator

Compute your front-end and back-end DTI and grade them against adjustable lender limits.

Home Equity / HELOC Calculator

Find your home equity, how much you can borrow at a max LTV, and the repayment on the drawn amount.

House Affordability Calculator

Find the maximum home price you can afford from income, debts, down payment and DTI limits.

Rent Affordability Calculator

See the maximum rent you can afford with the 30% rule and the 3x-income landlord check.

Rent vs Buy Calculator

Compare long-run net worth from renting versus buying the same home and find the break-even year.

Rental Property ROI Calculator

Monthly cash flow, cash-on-cash return, NOI and cap rate for a rental property.

Down Payment Calculator

Work out your down payment, loan amount, LTV and PMI status — and how long to save for a target.

Plan savings and interest

Compound Interest Calculator

Project savings growth with compound interest and optional monthly contributions.

Savings Goal Calculator

Find the monthly amount you need to save to reach a goal, with optional interest.

Simple Interest Calculator

Calculate non-compounded simple interest and the final amount from principal, rate and time.

Rule of 72

Estimate the years to double an investment from a rate, or the rate needed for a target time.

SIP / Recurring Investment Calculator

Future value of a fixed monthly investment with optional annual step-up, split into invested amount and gains.

Fixed Deposit / CD Calculator

Maturity value, interest and APY of a fixed deposit or CD with selectable compounding.

Present & Future Value (TVM) Solver

Solve any one of present value, future value, payment, rate or time in a savings plan.

APR ⇄ APY Converter

Convert between APR (nominal) and APY (effective) rates for daily, monthly, quarterly, annual or continuous compounding.

Evaluate investment returns

ROI Calculator

Calculate net profit, return on investment and annualized ROI from cost and value.

CAGR Calculator

Compute the compound annual growth rate between a beginning and ending value over time.

IRR / NPV / XIRR Calculator

Internal rate of return and net present value of any cash-flow series, with dated XIRR mode.

Dividend & Dividend Yield Calculator

Dividend yield, annual income from your shares, and projected income with dividend growth.

Stock Average Price Calculator

Weighted average cost per share across multiple buys, unrealized P/L, and shares needed to hit a target average.

Bond Price & Yield Calculator

Price a bond from its yield or solve the yield to maturity (YTM) from a market price, plus current yield and coupon income.

Plan retirement income

Retirement Calculator

Project your retirement savings from current savings, monthly contributions and return rate.

Pension / 401k Contribution Calculator

Project a workplace retirement pot from salary, your contribution and the employer match.

Withdrawal / Annuity Payout Calculator (SWP)

Fixed monthly withdrawals from a compounding corpus: payout, how long it lasts, or final balance, with a yearly table.

FIRE / Financial Independence Calculator

Your FIRE number from expenses and safe withdrawal rate, plus years to reach financial independence.

Roth IRA Calculator

Project your tax-free Roth IRA balance at retirement from contributions, expected return and years.

Inflation Calculator

See how inflation changes the future cost and purchasing power of an amount over time.

Calculate pay and income tax

Salary Converter

Convert a salary between hourly, daily, weekly, monthly and yearly amounts.

Take-Home Pay Calculator

Net pay per year, month, paycheck and hour from gross salary minus your own deductions and tax brackets.

Income Tax Calculator (custom brackets)

Total tax, effective and marginal rate from your own progressive brackets, with a per-bracket breakdown.

Overtime & Time-and-a-Half Calculator

Overtime pay, total earnings and blended hourly rate from your base rate, hours and multiplier.

Pay Raise Calculator

New salary and raise percentage from a percent, flat amount or target salary — with the inflation-adjusted real raise.

Freelance Hourly Rate Calculator

The minimum hourly rate to hit your target income after expenses, taxes and unbillable time, plus a project price.

Manage budgets and spending

50/30/20 Budget Calculator

Split take-home income into needs, wants and savings targets and compare them with what you actually spend.

Fuel / Trip Cost Calculator

Calculate the fuel cost of a trip from distance, fuel efficiency and fuel price, split per person for carpools.

Electricity Running Cost Calculator

See what an appliance costs to run per day, month and year from its wattage, usage hours and your price per kWh.

Unit Price Comparison Calculator

Compare differently-sized package prices per kg, litre or item and find which option is actually cheapest.

Subscription Cost Calculator

Add up all your recurring subscriptions into their true monthly, yearly and 5-year cost — and what that money could earn invested.

Cash Denomination Counter

Total a cash drawer by counting each bill and coin, with per-denomination subtotals and a configurable denomination set.

Net Worth Calculator

Add up your assets and liabilities to find your net worth, total assets, total debts and debt-to-asset ratio.

Zakat Calculator

Calculate Zakat due at 2.5% on cash, gold, silver, business assets and investments against the gold or silver nisab.

Bill Split Calculator

Split a restaurant bill among any number of people with tax and tip. Divide evenly or itemize each person's share, with exact-to-the-cent rounding.

Calculate prices and business costs

Discount Calculator

Find the sale price, amount saved and effective discount from one or two discounts.

VAT / Sales Tax Calculator

Add VAT or sales tax to a net price, or remove it from a gross price.

Percent Off & Markup

Compute a percent-off sale price, a markup selling price, and the gross margin.

Break-Even Point Calculator

Find how many units and how much revenue a business needs to cover its costs, plus contribution margin and margin of safety.

Profit Margin Calculator

Calculate gross, operating and net profit margins from revenue and costs, and the revenue needed to hit a target margin.

Depreciation Calculator

Build a year-by-year depreciation schedule using straight-line, declining-balance or sum-of-years-digits methods.

Sales Tax Calculator

Add US sales tax to a price and see the tax amount and final total. Combine state and local rates, list multiple items, and exclude tax-exempt subtotals.

Reverse Sales Tax Calculator

Back out the pre-tax price and the tax from a tax-inclusive total. Enter a receipt total and the sales tax rate to see the original price and tax paid.

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