Finance Calculators
Work out loan payments, investment growth, and what things actually cost. All 147 are free and run in your browser. Each one shows the formula behind the result.
Loan & EMI Calculator
Monthly payment, total interest, and a full amortization schedule.
OpenMortgage Calculator
Full monthly cost including tax, insurance, and PMI.
OpenCompound Interest Calculator
See how savings grow with regular contributions.
OpenSIP Calculator
Project returns on a monthly investment plan.
OpenDiscount Calculator
Final price after one or two discounts, plus tax.
OpenTip Calculator
Tip amount and per-person split, rounded cleanly.
OpenCar Affordability Calculator
Worked back from income, with running costs taken out first.
OpenAuto Refinance Calculator
The monthly saving, against what it costs over the life.
OpenCar Lease Calculator
Depreciation fee plus finance fee, with the money factor converted.
OpenCar Loan Payoff Calculator
What an extra payment each month actually removes.
OpenBiweekly Car Payment Calculator
Twenty-six half payments is thirteen monthly ones.
OpenLease Buyout Calculator
The residual was fixed years ago; the car has an opinion now.
OpenBalloon Payment Calculator
The payment is lower because the principal is still there.
OpenCar Equity Calculator
What the car is worth against what you still owe.
OpenCar Loan Debt-to-Income Calculator
The ratio the lender computes, before they compute it.
OpenCar Cost of Ownership Calculator
Depreciation is the biggest cost and never appears on a statement.
OpenNPV Calculator
Uneven cash flows, with period zero left undiscounted.
OpenIRR Calculator
The rate where NPV hits zero, found by bisection.
OpenPresent Value Calculator
A lump sum, a level stream, or both.
OpenDiscount Factor Calculator
The multiplier, period by period, with the annuity factor.
OpenDiscount Rate Calculator
The rate implied by two amounts, and the two conventions for it.
OpenWACC Calculator
Where the discount rate comes from, tax shield included.
OpenDiscounted Payback Period Calculator
When the money comes back, once the wait is priced in.
OpenDCF Valuation Calculator
Forecast, terminal value, and how much of the answer it is.
OpenDividend Discount Model Calculator
Gordon growth, and the two-stage version for real companies.
OpenBank Discount Calculator
Interest taken up front, and what it actually costs.
OpenMargin Call Calculator
The price the call comes at, and what it takes to clear it.
OpenStock Margin Calculator
Position, loan and equity, with the call price attached.
OpenBuying Power Calculator
What the cash supports, at the requirement your broker sets.
OpenMargin Interest Calculator
Daily accrual, and how far the position must rise to cover it.
OpenLeverage Calculator
The multiplier, in both directions, after borrowing costs.
OpenSimple Interest Calculator
I = Prt, with what compounding would have added.
OpenFuture Value Calculator
A lump sum plus contributions, in nominal and real terms.
OpenSavings Goal Calculator
What to put aside each month, and how much interest carries.
OpenCD Calculator
Certificate of deposit maturity value, from the APY.
OpenAnnuity Calculator
Present and future value, ordinary and due.
OpenBond Price Calculator
Present value of the cash flows, and why price moves inversely to yield.
OpenCredit Card Payoff Calculator
Months to clear, and the case where it never does.
OpenDebt Snowball Calculator
Snowball against avalanche, with both interest totals shown.
OpenRule of 72 Calculator
The mental shortcut, checked against the exact answer.
OpenRetirement Savings Calculator
Projected pot, in today's money as well as tomorrow's.
Open401(k) and Employer Match Calculator
How much match you are leaving on the table.
OpenInvestment Return Calculator
CAGR, not the average of the yearly percentages.
OpenDividend Yield Calculator
Yield, income, and how much stock a target would take.
OpenDollar-Cost Averaging Calculator
Why average cost lands below average price.
OpenNet Worth Calculator
The one number that captures the whole position.
OpenEmergency Fund Calculator
Based on essential spending, not income.
OpenDebt Avalanche Calculator
Avalanche against snowball, with the price of choosing.
OpenCredit Card Minimum Payment Calculator
Why the minimum takes decades — and when it never clears.
OpenStudent Loan Repayment Calculator
For commercial loans, and why that distinction matters.
OpenRefinance Break-Even Calculator
How long before the fees are recovered.
OpenDown Payment Calculator
Deposit, loan-to-value, and how long to save it.
OpenCap Rate and Cash-on-Cash Calculator
Two rental metrics that answer different questions.
OpenCar Depreciation Calculator
A percentage of what is left, not of what you paid.
OpenYield to Maturity Calculator
Solved by iteration, because it has no closed form.
OpenCAGR Calculator
Not the average of the yearly returns. Never was.
OpenReal Return Calculator
Subtracting inflation is not the same as dividing by it.
OpenSharpe Ratio Calculator
Punishes upside volatility exactly as hard as downside.
OpenP/E Ratio Calculator
Earnings yield is the number that compares to a bond.
OpenExpense Ratio Calculator
1% a year takes about a quarter of the pot over 30 years.
OpenStock Average Price Calculator
Weighted by shares, not by the number of buys.
OpenPortfolio Rebalancing Calculator
Rebalance on drift, not on the calendar.
OpenDividend Reinvestment Calculator
Compounding the share count, not just the price.
OpenCapital Gains Tax Calculator
Every rate and allowance is an input, because they change.
OpenMortgage Refinance Calculator
A lower payment can still cost more in total.
OpenExtra Mortgage Payment Calculator
A guaranteed, tax-free return at the mortgage rate.
OpenRent vs Buy Calculator
A mortgage payment is not comparable to rent.
OpenLease vs Buy Calculator
The residual value is what decides it.
OpenStudent Loan Calculator
Income-contingent loans behave like a graduate tax.
OpenIncome Tax Calculator
A raise never leaves you worse off. Here is why.
OpenTake-Home Pay Calculator
The gap between gross and net, itemised.
OpenRental Yield Calculator
Gross yield is not a return.
OpenCash-on-Cash Return Calculator
Cap rate compares properties. This compares deals.
OpenBRRRR Calculator
It works only if the refinance releases everything.
Open70% Rule Calculator
The 30% is not profit.
OpenProperty Tax Calculator
Charged on assessed value, not market value.
OpenClosing Costs Calculator
3 to 5% you never get back.
OpenHome Equity Calculator
Separates the equity you earned from the equity you got lucky on.
OpenCrypto Profit Calculator
Break-even is above what you paid, because of fees.
OpenMining Profitability Calculator
The break-even power price is the durable number.
OpenStaking Rewards Calculator
APR is not APY, and the gap grows fast.
OpenImpermanent Loss Calculator
A 4× divergence costs 20%, whichever way it moved.
OpenGas Fee Calculator
The fee has nothing to do with the amount you send.
OpenDollar-Cost Averaging Calculator
Lower average cost is guaranteed. Higher return is not.
OpenBillable Hours Calculator
Utilisation is what decides whether the business works.
OpenFreelance Rate Calculator
Salary ÷ 2,080 understates it by roughly half.
OpenContractor vs Employee Cost Calculator
Salary is not the cost of an employee.
OpenSalary Increase Calculator
A rise below inflation is a pay cut.
OpenCost Per Hire Calculator
The vacancy usually costs more than the recruitment.
OpenYouTube Revenue Calculator
RPM is not CPM, and the gap is most of the money.
OpenMeeting Cost Calculator
The annual figure is the one nobody looks at.
OpenEmployee Turnover Cost Calculator
The recruiter's fee is the smallest part of it.
OpenDowntime Cost Calculator
Lost revenue is rarely the largest line.
OpenFully Loaded Employee Cost Calculator
Two corrections, and they compound.
OpenToll Cost Calculator
Puts a price on each hour the toll route saves.
OpenTravel Budget Calculator
Six nights is seven days of eating.
OpenCurrency Exchange Fee Calculator
Zero commission is not the same as free.
OpenMarkup Calculator
A 50% markup is a 33.3% margin.
OpenDiscount Percentage Calculator
20% then 10% is 28% off, not 30%.
OpenROI Percentage Calculator
100% over five years is 14.87% a year, not 20%.
OpenInflation Calculator
Prices up 34% means your money is worth 26% less.
OpenCost of Living Calculator
Housing moves far more than everything else combined.
OpenHousehold Budget Calculator
Unallocated money is money without a job.
Open50/30/20 Budget Calculator
A heuristic that assumes housing is a third of pay.
OpenZero-Based Budget Calculator
Finished when the unallocated figure reaches zero.
OpenSinking Fund Calculator
Turns an annual bill into a monthly one.
OpenRent Increase Calculator
Checks the rise against inflation and any local cap.
OpenRent Proration Calculator
Two conventions, and February is where they disagree.
OpenRoommate Rent Split Calculator
Four bases, side by side, because that settles it.
OpenSecurity Deposit Interest Calculator
Whether interest is owed is a local question.
OpenWater Bill Calculator
The standing charge does not fall when you use less.
OpenAppliance Running Cost Calculator
Standby runs for 8,760 hours a year.
OpenHeating Oil Calculator
A monthly figure for a bill that arrives twice a year.
OpenSolar Payback Calculator
Self-consumption decides the answer, not system size.
OpenGrocery Budget Calculator
Children are weighted, because dividing by heads is wrong.
OpenAllowance Calculator
The decision happens on payday, not at the shop.
OpenFuel Cost Trip Calculator
Fuel is about a third of what the journey costs.
OpenCredit Utilization Calculator
One maxed card shows even when the total looks fine.
OpenMinimum Payment Calculator
The minimum falls as the balance does, so it never ends.
OpenStudent Loan Payoff Calculator
Check the loan type before paying a penny extra.
OpenClosing Cost Calculator
Transfer tax is the biggest and most variable line.
OpenSalary to Hourly Calculator
Divides by the hours you work, not a notional 2,080.
OpenHourly Wage to Annual Salary Calculator
Shows what the 2,080-hour shortcut gets wrong.
OpenAnnual Income Calculator
Twenty-six fortnightly payments, twenty-four semi-monthly.
OpenBiweekly Pay Calculator
Two months a year carry a third payday.
OpenTake Home Pay Calculator
Bands are inputs, because they change every year.
OpenTime and a Half Calculator
The multiplier applies to the regular rate, not the base rate.
OpenDouble Time Pay Calculator
Usually a second threshold, not the first one.
OpenPay Raise Calculator
Real change divides by inflation, it does not subtract it.
OpenSalary Increase Percentage Calculator
Up 12.5% and back down 11.1% is the same money.
OpenFreelance Hourly Rate Calculator
Billable hours are about half the hours you work.
OpenDay Rate Calculator
Billable days top out near 220, not 260.
OpenContract vs Permanent Calculator
Prices the benefits, then finds the break-even day rate.
OpenSeverance Pay Calculator
The weekly cap applies to statutory pay, not to notice.
OpenHoliday Pay Calculator
Average pay, not base pay, if your earnings vary.
OpenSick Pay Calculator
Waiting days come off the front, unpaid.
OpenBonus Tax Calculator
Withholding is not taxation — the year settles up.
OpenShift Differential Calculator
The differential joins the regular rate for overtime.
OpenPer Diem Calculator
Four nights is five days, two of them travel days.
OpenMileage Reimbursement Calculator
The rate covers depreciation, not just fuel.
OpenTip Out Calculator
A sales-based tip-out is owed even on a bad night.
OpenCommission Calculator
Marginal tiers, not cliffs — always ask which.
OpenUnemployment Benefit Calculator
The cap turns a 50% scheme into a 45% one.
OpenFilament Cost Calculator
A 20% failure rate costs 25%, not 20%.
OpenCrop Yield Calculator
Harvest wet and you pay twice.
OpenEgg Production Calculator
Feed per dozen, not feed per hen.
OpenBoat Fuel Calculator
A third out, a third back, a third spare.
OpenAbout finance calculations
Money calculations share a common shape: something compounds, and the effect of that compounding over time is larger than intuition suggests in both directions. Interest working for you turns modest monthly contributions into a substantial balance; interest working against you turns a manageable loan into one that costs half as much again as the amount borrowed.
The calculators here are built around that. Each one shows not just the answer but how it accumulates, the amortization schedule that reveals when your payments start reducing the debt rather than servicing it, the year-by-year split between what you contributed and what the growth earned.
None of them model tax, fees or the specific terms a lender is offering you. They model the arithmetic underneath, which is the part that does not change between providers and the part most people never see broken down.
Which one do you need?
I want to know what a loan will actually cost
Start with the loan and EMI calculator for personal or car finance, or the mortgage calculator if it is property: that one adds property tax, insurance and PMI, which principal-and-interest calculators leave out and which typically add 30-40% to the monthly figure.
I want to know what my savings will grow to
The compound interest calculator handles a lump sum with regular contributions and shows the year-by-year curve. If you are investing a fixed amount monthly into a fund, the SIP calculator models the same thing with each instalment compounding for its own length of time.
I want to work out a price or a discount
The discount calculator handles stacked reductions and sales tax in the order a checkout actually applies them. For anything involving margin. What to charge, what a discount costs you, the selling online category has the tools built for it.
I just want to split a bill
The tip calculator does tip, total and per-person share, with rounding so you can settle up without counting coins.