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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.
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Compound Interest Calculator
Project savings growth with compound interest and optional monthly contributions.
$=Loan / EMI Calculator
Calculate your monthly loan payment (EMI), total paid and total interest.
🏠Mortgage Calculator
Estimate monthly mortgage payments including taxes and insurance.
%↓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.
🐷Savings Goal Calculator
Find the monthly amount you need to save to reach a goal, with optional interest.
💼Salary Converter
Convert a salary between hourly, daily, weekly, monthly and yearly amounts.
📈ROI Calculator
Calculate net profit, return on investment and annualized ROI from cost and value.
–%Percent Off & Markup
Compute a percent-off sale price, a markup selling price, and the gross margin.
$·Simple Interest Calculator
Calculate non-compounded simple interest and the final amount from principal, rate and time.
↗$Inflation Calculator
See how inflation changes the future cost and purchasing power of an amount over time.
🏦Retirement Calculator
Project your retirement savings from current savings, monthly contributions and return rate.
%ⁿCAGR Calculator
Compute the compound annual growth rate between a beginning and ending value over time.
💳Debt Payoff Calculator
Find how many months it takes to clear a debt, plus the total interest and total paid.
72Rule of 72
Estimate the years to double an investment from a rate, or the rate needed for a target time.
🚗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.
$⇄Refinance / Loan Comparison Calculator
Compare your current loan with a refinance offer: monthly savings, break-even month and lifetime cost.
🎓Student Loan Repayment Calculator
Find your student loan payment, total interest and payoff date — or the time a given payment takes.
💳%Credit Card Payoff & Minimum Payment Calculator
Compare paying a card's minimum vs a fixed amount: payoff time, interest and the cost of the minimum trap.
%÷Debt-to-Income Ratio Calculator
Compute your front-end and back-end DTI and grade them against adjustable lender limits.
🏡Home Equity / HELOC Calculator
Find your home equity, how much you can borrow at a max LTV, and the repayment on the drawn amount.
⌂$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.
∑↑SIP / Recurring Investment Calculator
Future value of a fixed monthly investment with optional annual step-up, split into invested amount and gains.
$ᵗFixed Deposit / CD Calculator
Maturity value, interest and APY of a fixed deposit or CD with selectable compounding.
$⌛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.
$ⁿPresent & Future Value (TVM) Solver
Solve any one of present value, future value, payment, rate or time in a savings plan.
%∑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.
$✓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.
$/hFreelance Hourly Rate Calculator
The minimum hourly rate to hit your target income after expenses, taxes and unbillable time, plus a project price.
$÷50/30/20 Budget Calculator
Split take-home income into needs, wants and savings targets and compare them with what you actually spend.
⛽Fuel / Trip Cost Calculator
Calculate the fuel cost of a trip from distance, fuel efficiency and fuel price, split per person for carpools.
⚡$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.
$/uUnit 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.
$⇌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.