Finance calculators
Money calculators for borrowing, saving and investing. Loans: Mortgage calculator, Loan calculator, Auto loan calculator, Refinance calculator and Debt payoff calculator. Saving and growth: Compound interest calculator, Savings calculator, Retirement calculator, 401(k) calculator and FIRE number calculator. Business and everyday money: ROI calculator, Break-even calculator, Margin calculator, Take-home pay calculator, Sales tax calculator, VAT calculator and Tip calculator.
- Loan calculatorMonthly payment, total interest and a month-by-month amortization schedule.
- Mortgage calculatorMonthly payment, total interest, extra payments and a schedule by year.
- Down payment calculatorDown payment, loan amount, LTV and how long it takes to save the money.
- Loan comparisonTwo loans side by side: monthly payment, interest and total cost, fees included.
- Refinance calculatorNew payment, monthly savings, break-even month and lifetime interest difference.
- Student loanMonthly payment and total interest, with a grace period and interest capitalization.
- Interest-only loanInterest-only payment, the payment after the period ends, and total interest.
- Rent vs buy calculatorTotal cost and net worth of buying versus renting over the years you plan to stay.
- Balloon paymentMonthly payment and the final balloon payment of a loan with a short term.
- APR calculatorAPR of a loan from amount, fees, rate and term, the US Regulation Z way.
- Auto loan calculatorMonthly car loan payment, amount financed and total interest, with down payment, trade-in, tax and fees.
- House affordabilityEstimate an affordable home price from income, debts, down payment and costs.
- Debt-to-income ratioDTI and housing ratio from your monthly income and debt payments.
- Effective annual rateConvert between a nominal rate and the effective annual rate for any compounding frequency.
- Compound interest calculatorFinal balance, interest earned and a yearly table, with regular contributions.
- Simple interest calculatorSimple interest I = P × r × t; solve for interest, principal, rate or time.
- 401(k) calculatorProjected 401(k) balance with contributions, employer match and a yearly limit you enter.
- Roth vs traditionalA simplified comparison of a Roth and a traditional account from two tax rates.
- Capital gains taxGain, tax and profit after tax for a sale, with the rates you enter.
- Future value calculatorFuture value of a starting amount plus regular payments, with any compounding.
- Self-employment taxUS self-employment tax from net profit, with the Social Security wage base you enter.
- Present value calculatorWhat a future sum or a stream of payments is worth today at a given rate.
- Credit card payoff calculatorMonths to pay off a card balance, the payment needed for a target time, and total interest.
- VAT calculatorAdd or remove VAT at any rate, with standard rates for the UK, EU and more.
- Credit utilizationUtilization per card and overall, and the payment needed to reach a target.
- Debt payoff calculatorCompare debt snowball and avalanche payoff by months, total interest and payoff order.
- Sales tax calculatorAdd sales tax to a price or work out the pre-tax price from a total, at any rate you enter.
- Discount calculatorSale price and savings, two discounts in a row, and the original price from a sale price.
- Retirement calculatorProjected savings at retirement, in future money and in today's purchasing power.
- CD calculatorInterest, maturity value and APY of a certificate of deposit with the compounding you choose.
- Credit card minimum paymentHow long and how much interest it costs to pay only the minimum on a card balance.
- Inflation calculatorFuture cost of today's prices, purchasing power of your cash, or the average inflation between two prices.
- SWP calculatorHow long a portfolio lasts under regular withdrawals, and what is left at the end.
- Tip calculatorTip amount, total and each person's share, with an option to round up.
- CAGR calculatorCompound annual growth rate from start, end and years, or the end value from a rate.
- Bill splitterSplit a bill equally or by items, with tax and tip, so the shares add up exactly.
- Rule of 72 calculatorYears to double an investment by the rules of 72, 70 and 69.3 against the exact value.
- Cap rateNet operating income and cap rate of a rental property, plus its value at a target rate.
- Dividend calculatorDividend income per year and payment, and growth over the years with or without reinvestment.
- Loan-to-valueLTV, combined LTV, equity and the pay-down needed to reach a target ratio.
- Salary converterHourly, daily, weekly, monthly and yearly pay from any one of them, before tax.
- Stock profitNet profit, return and break-even price of a stock trade after fees and tax.
- WACC calculatorWeighted average cost of capital from equity and debt values, their costs and a tax rate.
- PMIMonthly mortgage insurance, total payment and months until it can end.
- Closing costsTotal fees at closing and the cash you need with your down payment.
- A/B test significanceTwo-proportion z-test: p-value, lift, confidence interval and sample size.
- Interest rateThe annual rate behind a loan payment or a savings goal, solved numerically.
- Raise percentage calculatorPay rise as a percent, the new salary, the increase, and the raise after inflation.
- Position sizeUnits, lots and risk amount from account size, risk percent, entry and stop.
- Pip valueValue of one pip and of a pip move for a lot size, in your account currency.
- ROASROAS, CPA, CPM, CPC, CTR and break-even ROAS from one form.
- Customer lifetime valueCLV, customer lifespan, LTV:CAC ratio and payback time from your averages.
- Biweekly mortgageInterest and years saved by paying half the monthly payment every two weeks.
- Margin calculatorMargin, markup and profit from cost and price, or the price for a target margin.
- NPV and IRR calculatorNet present value, internal rate of return and payback for an investment with up to 20 cash flows.
- Rental yield calculatorGross and net rental yield, yearly net income and payback years for a property.
- Sinking fundDeposit per period needed to reach a target amount by a set time.
- Payback periodSimple and discounted payback from an investment and a list of cash flows.
- Bond yieldCurrent yield and yield to maturity of a bond, annual or semiannual coupons.
- Freelance rateThe hourly rate to charge to reach a target take-home income.
- Break-even calculatorUnits and revenue needed to cover fixed costs, from price and variable cost.
- Rent increase calculatorNew rent from a percent or an index change, or the percent behind a new rent.
- Prorated rentRent for a partial month by days, with three ways to count a day.
- Late feeLate fee from days overdue as a daily or monthly percent or a flat amount, with grace and caps.
- Price per area calculatorPrice per m² or ft² for up to four offers, with the cheapest one and the gap between them.
- ROI calculatorReturn on investment in percent and the annualized return (CAGR).
- Commission calculatorSales commission at a flat rate or with graduated tiers, plus the effective rate.
- Home appreciation calculatorAverage yearly growth between two home values, or the future value at a steady yearly rate.
- Annuity calculatorPresent and future value of equal regular payments, or the payment that matches a lump sum.
- Commute cost calculatorYearly cost of getting to work by car fuel and parking or by transit fares, with commute hours and their value.
- Cost per use calculatorPrice per use of anything you buy, with running costs, resale value and uses needed for a target.
- Emergency fund calculatorEmergency fund target for a number of months of expenses, the gap and months needed to fill it.
- FIRE number calculatorSavings target for financial independence from yearly spending and a withdrawal rate, plus years to go.
- Habit cost calculatorWhat a habit costs per week, year and lifetime, and what the money could become if invested instead.
- Marketplace fee calculatorPayout, profit, margin and break-even price for a sale after percentage and fixed fees.
- Meeting cost calculatorMeeting cost from people, hourly rate and duration, plus a live meter that ticks while it runs.
- Net worth calculatorYour net worth from a list of assets and debts, with total assets, total debts and a debt ratio.
- Take-home pay calculatorNet pay from gross pay with income tax and payroll rates you type in, plus fixed deductions.
- Savings calculatorMonths to reach a savings goal, or the monthly deposit you need, with interest.
- SIP calculatorFuture value of monthly investments with an expected return and an optional yearly increase.
- Stock average calculatorAverage cost per share across several buys, or shares to buy to reach a target average.
- Invoice generatorFill in seller, buyer, line items, tax and discount, then print or download a PDF invoice.
- Unit price calculatorCompare 2–4 products by price per unit and see which is the best value.
- Overtime calculatorOvertime pay at time-and-a-half or double time, with total pay and average hourly rate.
- Depreciation calculatorYearly depreciation by four methods, with accumulated depreciation and book value.