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Financial Calculators
Loans, mortgages, savings, investing, business and tax calculators with assumptions you can change.
Loan, mortgage, savings, investment and business calculators that expose their assumptions as inputs, so you can test your own rates, fees and terms. Rates and tax rules change by country and year, so we ask you to enter them rather than guessing for you.
Loan CalculatorMonthly payment, total interest and a yearly balance table for a fixed-rate loan.Payback Period CalculatorSimple and discounted payback period for uneven cash flows, with net present value.Break-Even CalculatorBreak-even units and revenue from fixed cost, price and variable cost, with optional profit target.Margin CalculatorGross margin, markup and profit from any two of cost, price and margin, with a conversion table.Markup CalculatorSelling price, profit and implied margin from cost and markup percentage.Discount CalculatorSale price, savings and the combined effect of two successive percentage discounts.Sales Tax CalculatorAdd sales tax to a price or extract the tax from a total, using a rate you enter.VAT CalculatorNet, VAT and gross amounts from any one of them and a VAT rate that you enter.Salary CalculatorConvert pay between hourly, daily, weekly, fortnightly, monthly and annual figures.Depreciation CalculatorYearly depreciation and book value by straight-line, declining balance or sum-of-years-digits.Commission CalculatorSales commission from a flat rate or up to three tiers, with optional base salary.Zakat CalculatorEstimate Zakat al-mal at 2.5% on net wealth above a gold or silver nisab that you choose.Income Tax CalculatorTax, take-home pay, effective and marginal rate from brackets, allowance and credits you enter.Stock Profit CalculatorNet profit, return and break-even sell price for a stock trade after fees and optional tax.Interest CalculatorSimple or compound interest on a lump sum, with the final amount and the interest earned.Compound Interest CalculatorFuture value of a lump sum plus regular deposits, with a yearly growth table.Investment CalculatorProjected investment value after annual fees, with an inflation-adjusted figure.Inflation CalculatorFuture cost, lost purchasing power, or the implied yearly inflation rate between two prices.Retirement CalculatorProjected retirement pot, pot needed for your target income, and the monthly saving gap, in today's money.Savings CalculatorMonthly deposit needed for a savings goal, or the time it takes, including interest.CD CalculatorMaturity value, interest, APY and after-tax interest for a fixed-term deposit.Annuity CalculatorPresent value, future value or payment for an ordinary annuity or an annuity due.Present Value CalculatorDiscount a future lump sum, plus optional yearly cash flows, back to today's value.Future Value CalculatorFuture value of a lump sum with your choice of compounding, plus an inflation-adjusted figure.ROI CalculatorNet profit, ROI percentage and annualised return from cost, final value, income and fees.CAGR CalculatorCompound annual growth rate between two values, end value from a rate, or years to a target.Rule of 72 CalculatorRule of 72 estimate of doubling time or required rate, shown next to the exact figure.Net Worth CalculatorTotal assets, total liabilities, net worth, debt ratio and liquid assets from a simple list.Mortgage CalculatorMonthly mortgage payment with tax, insurance, HOA and extra payments, plus a yearly table.Mortgage Payoff CalculatorHow long until your mortgage is gone, and how much interest extra payments save.Auto Loan CalculatorCar loan payment with down payment, trade-in, sales tax, fees and total cost of the car.EMI CalculatorEMI on reducing balance or flat rate, with total interest and the true equivalent rate.House Affordability CalculatorMaximum home price from income, debts, down payment and editable front-end and back-end ratio limits.Rent vs Buy CalculatorNet cost of buying versus renting over a chosen number of years, with all assumptions editable.Refinance CalculatorCompare an existing loan with a refinance: new payment, saving, lifetime cost and break-even months.Interest Rate CalculatorFind the annual interest rate of a loan from the amount, monthly payment and term.Amortization CalculatorLoan amortization schedule: first 24 months, yearly totals and savings from extra payments.APR CalculatorAnnual percentage rate from loan amount, rate, term and upfront fees, solved by IRR bisection.Student Loan CalculatorStudent loan payment with interest during study, repayment term, extra payments and total interest.Down Payment CalculatorCash needed for a home purchase, months to save, and loan payment at different down payment levels.Lease CalculatorLease payment from price, residual, term and money factor, with approximate APR and total cost.Debt Payoff CalculatorCompare debt avalanche and snowball payoff plans for up to four debts: months and total interest.Credit Card Payoff CalculatorCredit card payoff time and interest for a fixed payment or target date, with a minimum-payment warning.Loan-to-Value CalculatorLTV and combined LTV from loan and property value, with equity and the paydown for a target ratio.Debt-to-Income CalculatorFront-end and back-end debt-to-income ratio, with the room left under a limit you can edit.
Financial disclaimer: Results are estimates for planning and education. They are not financial, tax or legal advice. Fees, taxes, rates and rules vary by lender, product and country, so confirm figures with your provider or a qualified adviser before making decisions.