Finance calculators,
beautifully simple.
Free, accurate calculators for everyday money decisions. Every tool shows the formula, a worked example, and the numbers that actually matter — in your currency.
Loans & Debt
View allMortgage Calculator
Estimate your monthly mortgage payment, total interest, and amortization schedule. See exactly when your payments start building more equity than interest.
EMI Calculator
Calculate your loan EMI (equated monthly installment) instantly. See your monthly payment, total interest, and a full amortization schedule for any loan amount, rate, and term.
Amortization Calculator
Build a full month-by-month amortization schedule for any loan. See how each payment splits between interest and principal, when equity starts to build, and how extra payments reshape the table.
Car Loan Calculator
Work out your car loan payment after down payment, trade-in, and sales tax. See the financed amount, total interest, and the true total cost of the vehicle.
Personal Loan Calculator
Calculate your personal loan payment and see how an origination fee makes the real cost higher than the headline rate. Includes amount received, total interest, and total repaid.
Student Loan Calculator
Estimate your student loan payment and see how interest that accrues during the grace period capitalizes and raises everything you repay.
Business Loan Calculator
Calculate the monthly payment on a business loan for working capital or equipment, and see how an origination fee cuts your net funds and raises the real cost.
Loan Prepayment Calculator
See exactly how much interest and time you save by paying a little extra on your loan each month. Compare your original schedule against an accelerated payoff with a full month-by-month breakdown.
Refinance Calculator
Compare your current loan against a refinance: see the new monthly payment, how many months it takes to break even on closing costs, and whether resetting the term quietly raises your total lifetime interest.
Credit Card Payoff Calculator
Find out how many months it takes to clear a credit card balance at a fixed monthly payment, how much interest you pay, and — crucially — the minimum payment needed before the balance even starts to fall.
Loan Comparison Calculator
Compare up to four loan offers side by side. See the monthly payment, total interest, and true total cost of each — and which one is actually cheapest.
Debt Payoff Calculator
Compare the debt snowball and avalanche strategies on your own debts. See exactly when you'll be debt-free and how much interest each method costs.
Loan Affordability Calculator
Find the largest loan your income can support. Enter your monthly income, existing debts, and DTI limit to turn a comfortable payment into a concrete borrowing ceiling.
Down Payment Calculator
Turn a down payment percentage into the cash amount, the loan you will carry, and your loan-to-value ratio — and see whether you clear the 80% LTV line where mortgage insurance kicks in.
Compound Interest Calculator
See how your savings or investment grows with compound interest. Enter an amount, rate, term, and compounding frequency to get the future value, interest earned, and how fast your money doubles.
Investing & Savings
View allSIP Calculator
Estimate the maturity value of a Systematic Investment Plan. Enter your monthly investment, expected annual return, and time horizon to see how much you invest, how much you earn, and the final corpus.
Lumpsum Investment Calculator
Project the future value of a one-time lumpsum investment. Enter the amount, expected annual return, and time horizon to see your maturity value, total returns, and growth multiple in any currency.
Simple Interest Calculator
Calculate simple interest on a principal over time. Enter the principal, annual rate, and term to see the interest earned and the maturity amount — and how it differs from compound interest, in any currency.
Future Value Calculator
Find what a sum of money today will be worth in the future. Enter the present amount, growth rate, term, and compounding frequency to get the future value and interest gained, in any currency.
Present Value Calculator
Find what a future sum of money is worth today. Enter the future amount, discount rate, term, and compounding frequency to get the present value and the discount applied — in any currency.
ROI Calculator
Calculate return on investment (ROI) from an initial cost and a final value. Get total ROI, net gain, and the annualized return so you can compare investments held for different lengths of time.
CAGR Calculator
Calculate the compound annual growth rate (CAGR) between a beginning and ending value over a number of years. See the smoothed yearly rate, total growth, and absolute gain for any currency.
APY Calculator
Convert a nominal interest rate into its effective annual yield (APY) for any compounding frequency. See exactly how much extra compounding adds over the stated rate, in any currency.
Rule of 72 Calculator
Use the rule of 72 to estimate how many years it takes an investment to double at a given annual rate — then compare it against the exact doubling time to see how accurate the shortcut is.
Annuity Calculator
Calculate the future and present value of an annuity — a stream of equal payments — for any rate, term, and payment timing. See total contributions versus compound growth in any currency.
NPV Calculator
Calculate the net present value of an investment from an upfront cost, annual cash flows, and a discount rate. See whether the project adds value in today's money and how much.
IRR Calculator
Find the internal rate of return for an investment from its upfront cost and annual cash flows. The IRR is the annual return at which the project breaks even — compare it to your required rate.
Savings Goal Calculator
Work out how much to save each month to hit a target by a deadline. Factors in your current savings and an expected rate of return, in any currency.
Net Worth Calculator
Add up everything you own and subtract everything you owe to find your net worth. Breaks down assets versus liabilities so you can track financial progress in any currency.
Emergency Fund Calculator
Find out how big your emergency fund should be and how far your current savings stretch. Based on your monthly expenses and the months of cover you want, in any currency.
FIRE Calculator
Calculate your FIRE number — the amount you need invested to retire early — from your annual expenses and safe withdrawal rate, plus how many years of saving it takes to get there. Works in any currency.
Fixed Deposit (FD) Calculator
Work out the maturity value of a fixed deposit. Enter your principal, interest rate, term, and compounding frequency to see the interest earned and the total amount you receive at maturity.
Recurring Deposit (RD) Calculator
Estimate the maturity value of a recurring deposit. Enter your monthly deposit, interest rate, and term to see how much you contribute, how much interest you earn, and what your RD is worth at maturity.
CD Calculator
Calculate what a certificate of deposit (CD) will be worth at maturity. Enter your deposit, APY or nominal rate, term, and compounding frequency to see the interest earned and the final value.
Retirement Calculator
Project the retirement corpus you are on track to build. Enter your age, target retirement age, current savings, monthly contribution, and expected return to see your future nest egg and the income it could provide.
Mortgage & Real Estate
View allHome Affordability Calculator
Find out how much house you can afford based on your income, existing debts, down payment, and interest rate. See your maximum monthly payment, loan amount, and home price.
Rent vs Buy Calculator
Compare the true cost of renting versus buying over the years you plan to stay. Factors in the down payment, mortgage interest, upkeep, rent increases, home appreciation, and the equity you build.
Mortgage Payoff Calculator
See how much faster you can pay off your mortgage — and how much interest you save — by adding a fixed amount to every monthly payment.
Biweekly Mortgage Calculator
See how paying half your mortgage every two weeks — 26 payments a year instead of 12 monthly ones — shortens your loan and cuts total interest.
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income (DTI) ratios — the figures lenders use to decide how much you can borrow for a home.
HELOC Calculator
Estimate how large a home equity line of credit (HELOC) you can open. Enter your home value, mortgage balance, and the lender LTV cap to see your available credit line, current equity, and loan-to-value.
Home Equity Loan Calculator
Work out how much you can borrow with a fixed-rate home equity loan and what the monthly payment, total interest, and total repaid will be. Enter your home value, mortgage balance, LTV cap, rate, and term.
Rental Property Calculator
Estimate the return on a rental property. Enter the purchase price, down payment, monthly rent, and annual expenses to see net operating income, cap rate, and cash-on-cash return.
Price Per Square Foot Calculator
Convert a property's total price and floor area into a price per square foot and per square metre, so you can compare listings of different sizes on an equal footing.
Balloon Payment Calculator
See the lump-sum balloon payment due at the end of a balloon loan, plus the low monthly payment along the way. Enter the loan amount, rate, amortization period, and when the balloon falls due.
Everyday Money
View allPercentage Calculator
Work out what one number is as a percentage of another, or find a percentage of any value. Enter a percentage and a base number to get the result instantly, plus the reverse relationship.
Tip Calculator
Work out the tip and total on any bill, and split it evenly between people. Enter the bill amount, your chosen tip percentage, and the number of diners to see what each person owes.
Discount Calculator
Find the sale price and the amount you save on any discount. Enter the original price and the discount percentage to see the final price and your total saving instantly.
Double Discount Calculator
See the true price when two discounts are stacked — like "20% off, then an extra 10% at checkout". Stacked discounts multiply rather than add, and this calculator shows the real effective rate.
Budget Calculator (50/30/20)
Split your monthly take-home pay into needs, wants, and savings using the popular 50/30/20 rule. Enter your income to see how much to allocate to each bucket.
Inflation Calculator
See how inflation raises the future cost of goods and erodes the purchasing power of money over time. Enter an amount, an inflation rate, and a number of years to see both effects.
Markup Calculator
Work out a selling price from your cost and a markup percentage. Enter what an item costs you and the markup you want to add to see the price, the profit per unit, and the equivalent profit margin.
Profit Margin Calculator
Find your profit margin from revenue and cost. Enter the price you sell at and the cost to produce it to see your profit per unit, your margin as a percentage of revenue, and the equivalent markup.
Commission Calculator
Calculate a sales commission from a sale amount and a commission rate. Enter the value of the sale and the percentage rate to see the commission earned and how much of the sale is left over.
Hourly to Salary Calculator
Convert an hourly wage into a yearly salary. Enter your hourly rate, the hours you work each week, and the weeks you work per year to see your weekly, monthly, and annual gross pay.
Pay Raise Calculator
See what a pay raise is worth. Enter your current salary and the raise percentage to find the increase amount and your new salary, plus how it compares with inflation.
Subscription Cost Calculator
Add up the true lifetime cost of a subscription. Enter the monthly price, how many years you expect to keep it, and any yearly price rise to see the total you will spend.
Business & SMB
View allBreak-Even Calculator
Find the number of units you must sell to cover your costs. Enter fixed costs, price per unit, and variable cost per unit to get your break-even point in units and revenue, plus the contribution margin on every sale.
Depreciation Calculator
Calculate annual straight-line depreciation for a fixed asset. Enter the purchase cost, salvage value, and useful life to get the yearly depreciation expense and the depreciable base, in any currency.
COGS Calculator
Calculate your cost of goods sold from beginning inventory, purchases, and ending inventory. COGS is the direct cost of the products you sold in a period and the starting point for gross profit, in any currency.
Payback Period Calculator
Find how long an investment takes to pay for itself. Enter the upfront cost and the annual cash flow it generates to get the simple payback period in both years and months, in any currency.
Customer Lifetime Value (CLV) Calculator
Estimate how much gross profit a customer generates over their entire relationship with you. Enter average purchase value, purchase frequency, lifespan, and gross margin to get customer lifetime value in any currency.
Currency & Crypto
View allTax
View allSales Tax Calculator
Add sales tax to any price, or work backwards from a tax-inclusive total. Enter a pre-tax amount and a sales tax rate to see the tax owed and the final total, in any currency.
VAT Calculator
Add VAT to a net price or remove it from a VAT-inclusive price. Enter a net amount and a VAT rate to see the VAT charged and the gross price, in any currency.
GST Calculator
Add GST to a base amount or remove it from a GST-inclusive total, and see the CGST/SGST split for intra-state sales in India. Enter a base amount and a GST rate, in any currency.